Getting Started Apply Now  
 
 
  About This Section:
Loan Questions & Answers
General Questions
Product Questions
Pricing Questions
Payment Questions

Credit Cards Questions & Answers
General
Product & Pricing
Fraud Prevention
VISA Credit Card Rewards Program
Verified by VISA

LoanXpress™ Questions & Answers
   
  Current Rates
   
  Resources
   
  Calculators
   


 
Credit Card Questions & Answers


General Questions

  1. What is the difference between a UNFCU VISA® Credit Card and a UNFCU ChequeMate Debit Card™?

  2. Is my UNFCU VISA Credit Card accepted anywhere in the world?

  3. How do I perform a VISA credit card purchase transaction at a store location?

  4. Can I use my UNFCU VISA Credit Card at ATMs/Bancomats?

  5. How many UNFCU VISA Credit Cards can I have?

  6. What is the difference between a joint VISA credit cardholder and an authorized user?

  7. Is an additional cardholder (an “authorized user”) responsible for charges on my UNFCU VISA Credit Card?

  8. How many authorized users can I have under my UNFCU VISA Credit Card?

  9. What if my credit card gets lost or stolen?

  10. What are recurring payments?

  11. Can I view my current credit card transactions online?

  12. Can I view my monthly UNFCU VISA Credit Card statements online?

  13. How can I make my UNFCU VISA Credit Card payments?

Product & Pricing Questions

  1. In what currency do I make my UNFCU VISA Credit Card transactions?

  2. Can I use my UNFCU VISA Credit Card in countries that have the euro as a currency?

  3. What is the rate of exchange for international UNFCU VISA Credit Card transactions?

  4. How much will I be given as a UNFCU VISA credit line?

  5. Can I increase my credit limit?

  6. Are there fees associated with a UNFCU VISA Credit Card?

  7. Why was I charged a late payment fee on my VISA Credit Card?

  8. Will I be charged interest on my UNFCU VISA Credit Card?

  9. What is a grace period?

  10. I paid my VISA credit card bill. Why was a finance charge assessed?

  11. What is a cash advance transaction?

  12. What is a convenience cheque?

  13. Do I have to pay my VISA credit card balance in full each month?

  14. What are the benefits of balance transfers?

  15. How can I transfer a balance to my UNFCU VISA Credit Card?

  16. Is there a fee for balance transfers?

  17. Why do I incur finance charges on balance transfers?

  18. How are my UNFCU VISA Credit Card payments applied?

  19. I have a purchase balance on my VISA credit card and would like to take a cash advance. Can I pay back just the cash advance balance before the purchase balance is paid?

  20. I received a merchant credit on a purchase made with my UNFCU VISA Credit Card. Does it count as my monthly payment?

  21. Can I change my monthly payment due date?

  22. Does a UNFCU VISA Credit Card offer a travel or reward programme?

  23. How do I handle merchant disputes?

  24. What if I want to dispute an error on my statement?

Fraud Prevention Questions

  1. What if there are unauthorized charges on my stolen card?

  2. Is it safe to use my UNFCU VISA Credit Card for Internet purchases?

VISA Credit Card Rewards Program Questions

  1. What is VISA Credit Card Rewards Program?

  2. What are the main benefits of VISA Credit Card Rewards Program?

  3. Is there any cost for participating in the VISA Credit Card Rewards Program programme?

  4. Is there a limit on the number of points I can accumulate?

  5. When do the VISA Credit Card Rewards Program points expire?

  6. My spouse is a joint UNFCU VISA Credit Cardholder. When he/she uses his/her card, does he/she earn points as well?

  7. What can I redeem my VISA Credit Card Rewards Program points for?

  8. Do I have to book my flights through a certain travel agency?

  9. How can I redeem my VISA Credit Card Rewards Program points?

  10. Do you ship VISA Credit Card Rewards Program merchandise to locations outside of the U.S.?

  11. What if I have more questions about VISA Credit Card Rewards Program?

Verified by VISA Questions

  1. What is Verified by VISA?

  2. How does Verified by VISA work?

  3. How do I enroll in Verified by VISA?

  4. What is the cost to enroll in Verified by VISA?

  5. Who can I contact if I forget my password?

  6. Can a joint UNFCU VISA Credit Cardholder register with Verified by VISA?

  7. Which online merchants participate in Verified by VISA?

  8. Can I make purchases at participating merchants if I am not enrolled in Verified by VISA?

Understanding the International Service Assessment (ISA) Fee.

  1. What is an International Service Assessment (ISA) fee?

  2. Is the ISA fee listed on my UNFCU statement a new fee?

  3. What types of transactions will be assessed as an ISA fee?

  4. Do all credit and debit cards charge ISA fees for transactions made internationally?

  5. What benefit is there to using my UNFCU VISA Credit Card while overseas?

 

 


>Loan Questions & Answers

>LoanXPress™ Questions & Answers

>Check Rates

>Apply Now
 
 
 
LoanXPress
LoanXPress
 
  Getting Started | Loans | Credit Cards | Apply Online | Loan & Credit Card Rates | All UNFCU Rates | Questions & Answers
Calculators | Loan Centre Home | Mortgage Centre | UNFCU Home | VISA Credit Card Rewards Program
 
This credit union is federally insured by the National Credit Union Administration (NCUA). Accounts and shares are insured by the Administration to the maximum insurance amount for each member or shareholder. Unless otherwise noted, fees may be associated with certain products and services. Certain UNFCU products and services are subject to approval. Federal and state laws may limit the availability of certain products and services in select areas. Granting credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted. © UNFCU and "Serving the People Who Serve the World" are registered marks of United Nations Federal Credit Union. All rights reserved. Privacy Policy

Equal Opportunity Lender logo