The Department of Defense transitioned from its legacy paper-based Uniformed Services Identification (USID) card to a more secure, next generation USID card. The Next Generation USID card incorporates an updated design and security features to deter counterfeiting and fraud, and is printed on a plastic cardstock. Initial issuance of the Next Generation USID card began on July 31, 2020 at select DoD ID card facilities, with phased implementation at all DoD ID card facilities, and completed in December 2020. USID cards are issued to retired and reserve members, dependent family members of uniformed Service members, and other eligible individuals in accordance with DoD policy to facilitate access to benefits, privileges, and DoD bases. The Next Generation USID card does not change the populations who are eligible to receive the current card.

Legacy USID cards remain valid through their expiration date, however, individuals with an indefinite (INDEF) expiration date on their legacy USID card may replace those ID cards with a Next Generation USID card.


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NextCard, Inc. was a United States company that was one of the first issuers of credit cards online, and the first to offer instant online approval. Its headquarters were located in San Francisco, California and maintained offices in Livermore, California and at 44th St. and Van Buren in Phoenix, Arizona. The issuing bank was known as NextBank and was fully owned by NextCard, Inc.

NextCard, Inc. was started during the Internet boom of the late 1990s. Jeremy and Molly Lent, a married couple, founded the company in 1996 as Internet Access Financial Corporation, later changing the name to NextCard in 1997. During the early 1990s, Jeremy Lent had served as CFO for Providian Financial Corporation which had relied heavily on direct mail marketing methods "to identify and recruit customers who made extensive use of credit cards". Convinced that he could adapt this marketing strategy for the Internet, Lent left Providian to form NextCard.[citation needed]

NextCard issued MasterCard and Visa cards under its own brand, and co-branded cards with MyPoints.com, PlanetOut.com, and Amazon.com. NextCard also issued secured credit cards.[citation needed] NextCard was a major online advertiser at the time, as they only accepted applications online. Its website was "regularly named one of the top 50 financial websites by Money magazine and by 2000 attracted more online 'hits' than any other website in the financial services industry".[citation needed]

On October 31, 2001, it was announced that NextCard was under-capitalized and was then investigated by the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency.[citation needed] The reason, as stated to employees, was that the company had been categorizing as "fraud losses" what should have been categorized as "credit losses"... meaning the company was trying to categorize as fraud some of the money lost due to issuing cards to people with very poor credit.[1] The Amazon.com Visa issued by NextCard was subsequently issued by Chase following NextCard's demise.[citation needed]

NextCard's stock price fell from its high of $53.12 to $.14 per share, and in February 2002 the company was taken over by the FDIC. The bank tried to find a buyer and was under negotiations with CompuCredit for a while, but in the end no buyer was found. In early July 2002, most NextCard credit card accounts were closed.[2]

A small portfolio of credit cards that were issued to those with low credit scores was sold to Merrick Bank of Utah, who then increased the annual percentage rates (APRs) and fees. In 2003, NextCard was liquidated with liabilities of nearly $470 million and realizable assets of approximately $20 million.[citation needed] Fraud charges and insider trading charges were filed against five former NextCard executives.[3]

6. Limitations on Frequency andDollar Amounts of Transactions. The total amount of purchases thatyou can perform in any single day is limited to the Daily PurchaseLimit and the total amount of cash withdrawals (includingwithdrawals from a teller inside a bank office) that you can performin any single day is limited to the Daily Withdrawal Limit (asdefined in the table below). The maximum aggregate value of yourCard Account(s) may not exceed $30,000 at any time. The maximumvalue will be determined by aggregating the activity and value ofall Card Accounts you may have with the Program. For securityreasons, we may further limit the number or dollar amount oftransactions you can make with your Card. The following grid isprovided in order to highlight the frequency and limitations ofcardholder transactions in a single day or additional time frame ifwarranted:

21.  Obtaining Balance andTransaction Information for Your Card; Periodic StatementsAlternative. You should keep track of the amount of funds availablein your Card Account. You may obtain information about the amount offunds you have remaining in your Card Account by calling the numberon the back of your Card. This information, along with a 12-monthhistory of account transactions, is also available on-line throughour customer self-service website shown on the back of the Card. Youalso have the right to obtain a 24-month written history of accounttransactions by calling the number on the back of your Card or (800)221-6504, or by visiting www.nexscard.com, or by writingExpanse Financial Technologies, Inc. - NexsCard, P.O. Box 307,New Hyde Park, NY 11040.

24.  In Case of Errors orQuestions about your Card Account. If you think an error hasoccurred in your Card Account, promptly call the number on the backof your Card, (800) 221-6504, provide noticethrough www.nexscard.com or write to Expanse FinancialTechnologies, Inc.- NexsCard, P.O. Box 307, New Hyde Park, NY 11040. We will allow you to report an error until 60 days after theearlier of the date you electronically access your Card Account, ifthe error could be viewed in your electronic history, or the date wesent the FIRST written history on which the error appeared. You mayrequest a written history of your transactions at any time bycalling the number on the back of your Card or (800)221-6504, or by visiting www.nexscard.com or writing tothe Program Manager at Expanse Financial Technologies, Inc.-NexsCard, P.O. Box 307, New Hyde Park, NY 11040. You will need totell us: (1) your name and Card Number; (2) why you believe there isan error, and the dollar amount involved, and (3) approximately whenthe error took place. If you tell us orally, we will require thatyou send your complaint or question in writing within 10 businessdays. We will determine whether an error occurred within 10 businessdays (five business days for Visa Point of Sale Signatureunauthorized debit transactions, unless the dispute resolution teamdetermines an exceptional basis exists, in which case Visa allows anadditional five business days in which to provide the provisionalcredit) after we hear from you and will correct any error promptly.If we need more time, however, we may take up to 45 days toinvestigate your complaint or question. If we decide to do this, wewill provisionally credit your Card within 10 business days (fivebusiness days for Visa Point-of Sale Signature unauthorized debittransactions, unless the dispute resolution team determines anexceptional basis exists, in which case Visa allows an additionalfive business days in which to provide the provisional credit) forthe amount you think is in error, so that you will have the use ofthe money during the time it takes to complete the investigation. Ifwe ask you to put your complaint or question in writing and you donot provide it within 10 business days, (five business days for VisaPoint-of Sale Signature unauthorized debit transactions) we may notcredit your Card Account. For errors involving new Card Accounts forwhich the initial deposit or value load occurred within the last 30days, POS transactions, or foreign-initiated transactions, we maytake up to 90 days to investigate your complaint or question. Fornew Card Accounts, we may take up to 20 business days toprovisionally credit your Account for the amount you think is inerror. We will tell you the results within three business days aftercompleting the investigation. If we decide that there was no error,we will send you a written explanation and debit your Card Accountfor the amount of the provisional credit. You may ask for copies ofthe documents that we used in our investigation. If you need moreinformation about our error-resolution procedures, call the ProgramManager at the number on the back of your Card.

25. Lost or StolenCards/Unauthorized Transfers. If you believe your Card, AccessCode(s), or PIN has been lost or stolen, call the number on the backof your Card, or (800) 221-6504, or send noticethrough www.nexscard.com, or write tothe Program Manager at > Expanse Financial Technologies, Inc.-NexsCard, P.O. Box 307, New Hyde Park, NY 11040. You should alsocall (800) 221-6504, the number on the back of yourCard, or write to the address shown here if you believe anelectronic transfer has been made using the information from yourCard, Access Code(s), or PIN without your permission. 2351a5e196

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