Please contact our member service representatives at: 813.569.2000 or toll free at: 800.763.2005. You may also stop by your nearest USF FCU branch location to complete the authorized user request form or have it emailed/faxed to you.

Please note: authorized users are able to make purchases and obtain a card but they are not subject to credit reporting and may be removed at any time by the primary on the account.

Please visit our website or log into online banking (if currently a member) to apply for a new card or a limit increase. If you are near a USF FCU branch location, you may apply in-person with a loan officer. To avoid lobby wait times, our online application is a good tool and you may always reach out to us with any questions or concerns.

This can be completed through the Statement widget in digital banking.

Please call 1-800-654-7728 to report fraud or dispute a transaction. You may also begin a transaction dispute through digital banking.  Send a secured message to the Subject of "Transaction Dispute" and provide the requested information in the form.

Please contact our member service representatives at: 813.569.2000 or toll free at: 800.763.2005. You may also stop by your nearest USF FCU branch location to complete the automatic payment form or have it emailed/faxed to you.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card hasn’t been registered yet, please complete the registration first.

Within the Manage Cards widget, you should have a Balance Transfer option. Click the gear icon next to it to display all of the Balance Transfer fields and complete the required fields (ex. card issuer name, account/card number, an address for the card issuer, and the balance transfer amount). Accept the disclosure box and click the Submit button. The payment should be received by your other financial institution within 3-12 business days.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card hasn’t been registered yet, please complete the registration first.

Within the Manage Cards widget, you should see your Visa Rewards point near the top of the screen. Please visit the CU Rewards website: www.curewards.com to redeem your points. If you have any trouble logging in to your account, please call: 1-800-637-7728.

To make the adjustment, please contact our member service representatives at: 813.569.2000 or toll free at: 800.763.2005 and they will be able to assist you further.

Your credit card account requires that you make at least the minimum payment every month. You can’t pay ahead to avoid making the next month’s payment.

If you have made two payments within the same 24 hours through online banking, only the last payment you made will be withdrawn from your account. You may have received a confirmation number for both payments but the first payment will be voided automatically.

If you have made two payments within the same 24 hours through the mobile app., both payments will be withdrawn from your account but only the last payment you made will be applied to the credit card. You may have received a confirmation number for both payments. To have the payment amount put back into your account, please contact our member service representatives at: 813.569.2000 or toll free at: 800.763.2005.

Yes, please contact our member service representatives at: 813.569.2000 or toll free at: 800.763.2005 and they will be able to assist you.

In the event that your Debit card was never received, you can visit one of our branches to have a card instant issued. Or, you may contact our member service representatives at 813.569.2000 to have a replacement card sent to you (it will take 7-10 business days to receive).  If you never received your Credit card please call 800.449.7728 to request a new one. 

Any new charges after the statement close date are not included in the previous month’s charges. The new charges receive a 25-day grace period and would not have to be paid until the next statement cycle.

You may make 4 cash redemptions per year. A minimum of $50 increments are allowed. A minimum of 5,882 points are required to get $50.

Some merchants process their transactions through a system known as “square” or “SQ.” Oftentimes, smaller businesses or vendors will use this processor for signature and point of sale purchases. If you see a transaction like this, try to recall if you have made any purchases for a similar amount because it may look different on your banking statement and appear fraudulent at first.

A secured credit card is offered when there is a deposit amount provided by the individual that is placed on hold to “secure” the value of the credit card. The secured card is reported to the credit bureau as a revolving account, the same as an unsecured credit card.  An unsecured credit card is a revolving line that does not have deposit funds on hold. An individual may pledge, or provide a deposit, for a secured card in the event that the applicant does not qualify for an unsecured credit card due to lack of credit history or negative history.

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your credit card in online or mobile banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send your payment.
2. Make a payment in person at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
4. Make an immediate payment to Visa using the Pay-by-Phone service. Please call 866.820.3942. A small fee of $5.00 does apply.
5. If you’d like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking to the topic "Visa Payment from External Account Setup" and complete the required information.
6. Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

Your credit card statements are also located within the Statements widget in digital banking. You should have a separate, Credit Card tab.

To report your VISA credit card lost or stolen please call: 1 (800) 449-7728. VISA representatives may refer you back to the credit union if your address has not been updated or if you would like to have the card rushed. Otherwise, they will reissue you a replacement card with a new number and it should arrive within seven to ten business days. Please update any scheduled drafts from your VISA accordingly once the new card arrives.

If your Visa is grayed out when you attempt to make a transfer to it from an external account, please contact us.

In most cases, a late charge is assessed because a payment was made after the due date or payment did not cover the minimum payment amount due.