Credit Card FAQ

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Credit Card FAQs

  • How will I know what my rate and credit limit are?
    You will receive a letter upon approval stating your rate and initial credit limit. Each individual's limit will vary based on credit, income, amount of other unsecured JHFCU loans, and other variables.
  • What if my payment arrives late?
    If your payment arrives past the scheduled due date, you will owe interest for the prior billing cycle and current billing cycle, which will be added to your next bill. A late fee of $25 will also be applied. 
  • How can I make a cash advance?
    You can make a cash advance at our branches, at an ATM with your PIN, or via Telebranch24 over the phone. Note that online transfers for cash advances 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. 
  • What should I do if I'm planning to travel out of the country?
    If you are traveling abroad, please log into online banking to submit a Travel Notification Form or contact us and we will be able to assist you.
  • When will I receive my credit card statement?
    JHFCU’s cycle date for Card Statements is the 28th of each month; statements will be sent out within a few days after the cycle closes. If you are enrolled in e-statements for your regular JHFCU account, you will automatically be enrolled in e-statements for your credit card. The credit card statement will appear on the same screen as your regular account statement. 
  • Can I have a co-applicant on my credit card?
    Yes, co-applicant can be added 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 balance of the card.
  • Can I have an authorized user on my credit card, or add one in the future?
    Yes, authorized users can be added to a member's credit card account as long as they are over the age of 18. To add an Authorized User, a form needs to be completed and signed by the card holder and authorized user.
  • How do I make payments

    You have several options to pay your credit card bill:

    1. Online Transfer — Transfer money from another account to your credit card. Your payment will be credited immediately, and your balance and available credit will be updated. You may also conduct transfers at a branch.
    2. Online Bill Pay — You can use Online Bill Payment to pay your credit card bill! It takes 2 business days to credit your account and update the balance. For convenience in paying and tracking all your bills, you can set up JHFCU as a Payee. Use your 9-digit JHFCU account number (not the 16-digit card number) and JHFCU's main address: 2027 E Monument St, Baltimore, MD 21205.
    3. Telebranch 24 — You can use our 24/7 automated phone system to transfer money from a JHFCU account to your credit card balance.
    4. Check — You may use a check to pay your credit balance sent through the mail or brought in person to a branch.
  • How do I dispute or report a fraudulent transaction

    For transaction disputes, your first step is contacting the merchant directly. They can often resolve issues faster by reversing incorrect charges. If the problem persists, you can contact JHFCU, and we'll assist you in filing a claim through Visa. Keep in mind, this process may take up to 120 days.

    If you discovered fraudulent or suspicious transactions associated with 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.