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If you have a higher credit score, lenders and investors will be more likely to provide lower interest rates and fees. If your credit history is good, investors will have more confidence in your ability to pay on time consistently.
Did you know you can check your own credit score for free once annually? A good credit score is essential to your financial health. Visit annualcreditreport.com to receive a free copy of your credit score.
To request a credit limit increase please fill out a new credit card application, and a loan officer will work to increase the limit on your existing card.
No, we do not offer a credit card rewards program, but we do have several credit cards options:
- Visa Platinum
- Visa Classic
- Visa New Beginning
Our credit cards have great features that make being a member at Providence Federal Credit Union worthwhile!
- No annual fee and cash advance fees
- Internet Authentication Service (Verified by Visa®)
- Fraud protection – provides 24/7 fraud monitoring
- $500,000 Travel and Accident Insurance
- Emergency Cash and Card Replacement
- Zero Liability
- Free balance transfers up to your credit limit
- Visa Global Customer Assistance Services (GCAS)
If your card has been lost or stolen we recommend that you block your card in Online Banking or the Mobile Banking app immediately. To do this, log in to Online Banking or your Mobile Banking app, go to “Cards” and then “Lock Card.” You can then go to “Lost Card” to order a replacement card. You can also contact us at (866) 633-7032. We will block and reissue your card.
Please review our Deposit Fee Schedule on our Rates page for our current Card Replacement Fee.
To learn more on how you can protect yourself, please visit our Security page. If you suspect your accounts have been compromised, Contact Us right away!
To dispute a credit card transaction please contact our fraud line at 888-918-7313.
You may need to dispute a credit card transaction if:
- Someone else used your card without permission.
- There was a billing error.
- You’ve tried to resolve a problem with the merchant.
You can set up travel notices for your Visa Credit Card in the CCCU Credit Card Control App. Simply log in, select your card image, tap on “More” in the bottom menu, and then “Travel Notification.” Then fill in your travel date, destination, and other details. Note: You can only schedule one travel notice at a time and the duration cannot exceed 30 days.
Download the app by searching “CCCU Credit Card” in the app store, or by following the buttons below depending on your mobile device type.
