Your first step is to contact the merchant directly; they can often resolve issues more quickly by reversing incorrect charges. If the problem persists, you can contact JHCU, and we'll assist you in filing a claim through VISA®. Keep in mind, this process may take up to 120 days.

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If you discover fraudulent or suspicious transactions on your credit card, please contact us at 410-534-4500 or 1-800-543-2870 as soon as possible to prevent further damage. For lost, stolen, or otherwise damaged cards, please contact us.

You can pay for your credit card in the following ways:
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• Account Transfers: Transfer money online or in-branch from another account to your credit card. Your payment will be credited immediately, and your balance and available credit will be updated. 
• Online Bill Pay: It takes two business days to credit your account and update the balance. For convenience in paying and tracking all your bills, you can set up JHCU as a Payee, using:
  
  • Your 9-digit JHCU account number (not the 16-digit card number)
  • JHCU's main address:
    
    • 2027 E Monument St, Baltimore, MD 21205
• Telebranch 24: You can use our 24/7 automated phone system to transfer money from a JHCU account to your credit card balance.
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Check: You may use a check to pay your credit balance, sent through the mail or brought in person to a branch.

Yes, you can add authorized users to your credit card account, provided they are 18 or older. To add an Authorized User, a form needs to be completed and signed by the cardholder and the authorized user.

Yes, you can add a co-applicant to the application. A co-applicant has co-ownership of the card and can use it just as the Primary Owner would. The co-applicant is equally responsible for paying off the card's balance.

Our Card Statements cycle ends on the 20th of each month; we send statements a few days after the cycle closes. When you enroll in eStatements for your regular JHCU account, you are automatically enrolled in eStatements for your credit card. The credit card statement will appear on the same screen as your regular account statement.

If you are traveling abroad, please log in to Online Banking to submit a Travel Notification Form or contact us, and we will assist you.

You can make a cash advance at our branches, at an ATM with your PIN, or via Telebranch24. Note that online cash advance transfers are not currently available. Cash advances start accruing interest immediately, and come with either a $5 or 2% fee of the amount advanced each day—whichever is greater.

If your payment arrives after the scheduled due date, you will owe interest for the prior and current billing cycles, which will be added to your next bill. A $25 late fee will also be applied.

You will receive a letter upon approval stating your rate and initial credit limit. Each individual's limit will vary based on credit, income, the number of other unsecured JHCU loans, and other factors.