Please contact our member service representatives at 877.906.9328. 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 DCU/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.

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.

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 877.906.9328 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.

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

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 arrive.

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.