- Benefits/Good To Know
- Application Process
Our VISA Credit Card is the best deal in town!
Check out these outstanding card benefits:
- Low Interest Rates
- No Annual Fees
- No Balance Transfer Fees
- No Cash Advance Fees
- No Penalty Rate Increases - the rate you start with is the rate you keep
- No Late Payment Fees or Overlimit Fees
- Ability to transfer high-rate balances from existing credit cards at other financial institutions
- Knowledgeable and friendly in-house VISA staff for personalized service
- Choices on how to pay your bill - online, at a branch, by mail or by phone
- Travel and Emergency Assistance services at no extra costs
- Travel and Accident Insurance
- Auto Rental Collision Damage Waiver
Good To Know
For balance transfers, member will provide the following creditor information on debts to be paid: Financial Institution Name, Payment Address, account number and balance
Applications are typically processed within 24 business hours (excluding holidays and weekends).
Complete a JSC FCU application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.
Emergency assistance Outside of the United States: call collect 410-581-9994. In the United States: 800-VISA-911 (800-847-2911).
- What you will need to provide at application:
- Personal contact & employment Information
- Proof of Income
- Pay Check Stub
- Self Employed: Two years of tax returns
- Amount Requesting
- Member will receive a pre-approval letter (email for online apps) from a loan officer/processor. This will be your point of contact for your loan closing.
- Member should contact their loan officer to schedule a closing appointment.
- Documents to bring to closing
- Balance Transfer Form (if applicable)
- Member chooses payment options
- Periodic Payments
- Electronic Transfer (through eBanking)
- Member signs loan documents (see page 2 for complete list)
If this occurs during business hours 8:00 a.m. to 5:00 p.m. MST, contact the Visa Department at 1-800-940-0708. If the line is busy and you receive a voice recording, please leave a telephone number where you can be reached during JSC FCU business hours.
If you call after hours or during the weekend, please leave a message and your call will be returned on the first available business day.
A member must be 18 years of age to enter into a binding contract on a VISA credit card.
Yes, on the application you will select your own four digit pin number. The VISA Check (Debit) Card and ATM Card Application is located on the Forms & Documents page under Application.
Yes, VISA Credit Cards can be used for international merchant transactions. Please note there is a 1% fee for all international transactions.
A credit card is a revolving loan account that requires a payment at a later date. A debit card removes funds directly from a checking account.
A pin number can be used at an ATM, this is considered a cash advance.
No, there is not a limit on a cash advance provided the credit limit is available. However, there are limits set on an ATM withdrawal. These limits are set by the financial institution and can vary from ATM to ATM.
Yes, you can use your VISA credit card at any ATM. You will be issued a PIN when you receive your credit card.
For your convenience a dispute form is available on the back of your monthly credit card statement. You may also provide us a letter detailing your dispute or you can download the form off of eBanking.
The payment is calculated at 3.5% of the daily average balance.
Yes, you can pay your credit card bill through our Online Payment Center or any system of your choice.
Payment is due 25 days after the cycle date of your statement. Monthly payments are due on the 19th or 20th.
VISA payments are available on the next business day. For example, if a payment is made on Monday, it will be available on Tuesday. However, if a payment is made on a Friday, it will available on Monday.
In order to stop the cash advance interest, your VISA must be paid to zero. On that day the interest stops accruing. For example, if you did a cash advance on the 1st of the month and pay the balance to zero on the 15th of the month, your interest stops accruing. However, on the closing date, which is the 25th of every month, interest will be posted for the 15 days the money was borrowed.
Yes, you can make a payment through Western Union.
Your payments should be mailed to: JSC Federal Credit Union P.O. Box 58346, Houston, TX 77258 Or you may make your payment at a branch location or online through eBanking.
The primary member will need to complete and sign a short form and surrender the authorized user's card at that time. To remove an authorized user, please complete the VISA Credit Card: Request to Remove Authorized User form found on the Forms & Documents page under Account Forms.
Your PIN (Personal Identification Number) is a security code that allows us to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.
Yes, contact a Member Services representative at 281.488.7070 or 800.940.0708 to have your PIN reset.
There is no charge.
One card is issued per person. To request a card for an authorized user please complete the VISA Credit Card: Request for an Additional Credit Card form found on the Forms & Documents page under Account Forms.
The maximum limit we offer is $20,000.00.
You will need to reapply for a new VISA after 6 months of current payments.
VISA maintains toll free numbers for many countries outside of the United States, please call 1.866.416.5686 or 1.800.VISA.911.
We offer only VISA credit cards.
To replace your credit card contact the VISA department at 1.800.940.0708
No, we do not impose a fee.
Once the new card is ordered, the damaged card will not work. When you receive the new card in the mail you must call and activate it.
To activate your new card call the 800-number printed on the sticker on the front of your card. You cannot activate a credit card online.
To report a lost or stolen VISA credit card, call 866.692.9364. During regular business hours contact the VISA department at 281.488.7070 or 800.940.0708.
To report a lost or stolen VISA check card, please call 800.528.2273. During regular business hours contact the Member Service department at 281.488.7070 or 800.940.0708 To report a lost or ATM card please call 281.488.7070.
After your order a new card it will arrive between 7 to 10 days.
Reissued VISA cards are mailed by the 15th of the previous month your card expires
If your VISA card has expired and you have not received a new card, please contact the VISA department at 1.800.940.0708.
You may access you credit card through eBanking or on 281.488.0708 or 800.940.0708 eBanking phone system 24/7/365.
Yes, you may apply for VISA credit card online please click here.