Credit Cards

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• + What should I do if I lose my card or find fraudulent charges?

  If your UFCU Credit Card has been lost or stolen, or your card has been declined and you suspect possible fraud, call Member Services at (800) 252-8311(800) 252-8311.

• + Can I make credit card payments at the credit union?

  Yes. Credit card payments can be made at any UFCU branch. You can also call Member Service to transfer funds to pay your UFCU credit card from your UFCU checking or savings account. In addition, payments can be made through Online Banking or Mobile Banking.

• + Where do I mail credit card payments if I don't have my remittance envelope?

  The payment address is:

  VISA
  PO Box 9389 
  Austin TX, 78766-9389

  Please be sure to include your credit card account number on your check.

• + How do I dispute a charge on my credit card statement?

  All billing disputes and inquiries must be submitted in writing to the following address:

  UFCU
  Attn: Card Services
  P.O. Box 9350
  Austin, TX 78766-9350

  Note: Your letter should include your name and credit card account number, the charge in question and an explanation of why you believe there is an error. All billing disputes must be received within 60 days of the date that the charge first appeared.

• + How do I change my billing address?

  You can update your billing address in either of the following ways:

  • Log in to Online Banking, and select Settings » Change Contact Info.
  • Visit any branch.
• + How can I obtain a personal identification number (PIN) for my credit card in order to access cash through an ATM machine?

  If you would like to choose your own PIN, you can call (866) 928-5450, and set or change your PIN over the phone. The Credit Card Department at UFCU DOES NOT have access to PINs.

• + How can I add an additional user to my account?

  The primary cardholder must complete and submit an Add Authorized User Request form.

  Your request will be processed in 2-3 business days and you should receive the new card with the additional user's name in 7-10 business days.

• + How can I transfer a balance to my UFCU card from another credit card?

  In order to perform a balance transfer, complete the Balance Transfer Request form.

• + Can I make a credit card payment for an amount greater than my credit card balance?

  You cannot make a payment for an amount greater than your credit card balance.

• + What is the benefit of having my credit card information available in Online Banking?

  By integrating your credit card information into Online Banking, you are able to make credit card payments by directly transferring funds into your credit card account.

• + My credit card account information is incorrect or missing from my Account Summary page. What can I do?

  Please contact a UFCU Representative, who will be able to correct this problem.

• + I've opened a new UFCU account and my credit card information is no longer shown. What happened?

  Your credit card account information could still be associated with your older account. Please contact a UFCU Representative so that they can correct this problem.

• + Can my credit card statement be combined with my checking account statement?

  At this time, both statements will continue to be delivered separately.

• + Can my credit card information be removed from Online Banking?

  Not at this time, though your credit card information will be removed when you close your credit card account.

• + Why did I receive a credit limit increase?

  UFCU increased credit card limits for Members who have demonstrated wise use of their credit. If UFCU has increased your credit card limit, it generally is because you are a cardholder in good standing who has consistently made payments on time.

• + Can anyone get an automatic credit limit increase?

  No. Automatic increases are awarded to cardholders in good standing who have maintained a positive payment history. However, you can request an increase by contacting us at (512) 498- 2277.

• + How can I request a credit limit increase?

  If you have been making on-time credit card payments for some time, or have had an increase in your income, you can request a higher credit card limit. UFCU will pull a credit bureau report to determine if you may be eligible for a credit limit increase. Contact us at (512) 498- 2277 to request a higher credit card limit.

• + How can I opt out of a credit card limit increase?

  To decline an automatic increase to your UFCU credit card limit, contact us at cardprocessingservices@ufcu.org or call (512) 467-8080.

• + Will increasing my credit limit impact my credit score?

  Credit card limit increases can have a positive impact on your credit score by potentially improving your credit utilization ratio. (Your credit utilization ratio is the percentage of available credit you are using, or your total outstanding credit card balance divided by your total credit limit.) If your credit limit increases but your balance stays the same, your credit utilization ratio will be lower. That can lead to a higher credit score, because the credit utilization ratio is one of several factors used to determine your credit score.

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Add Authorized User

To add an authorized user to your UFCU credit card:

1. Verify your identity by answering security questions
2. Complete and fill out the request form
3. Create a digital signature and sign the form

To complete the form, you will need the following information about the person you would like to add:

• Name
• SSN
• Date of Birth
• Phone Number
• Mailing Address

You will also need to know your UFCU account number and the last four digits of your credit card.

Start the process now

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Balance Transfer Form

To transfer your credit card balance:

1. Verify your identity by answering security questions
2. Complete and fill out the request form
3. Create a digital signature and sign the form

To complete the form, you will need the following information about the credit card company from which you want to transfer:

• Name
• Payment Address
• Account Number
• Amount to transfer

You will also need to know your UFCU account and credit card numbers.

Start the process now