Credit Card FAQ

Yes, a 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.

No account information will be given to the Authorized User.

If you view your account in Online Banking, the credit card will be listed as Rewards Visa Card. The card itself will have the word "REWARDS" imprinted on the back lower corner. Monthly statements will also reflect if your card is a Rewards card. Rewards cards will have a "1" as the 8th number in the 16-digit card number.

All Rewards cardholders are automatically enrolled and begin earning points with purchases as soon as you activate the card. In order to track your Rewards points, you need to log into the UChoose Rewards site, and register your card. You can then track or redeem points.

NOTE: The UChoose Rewards will not initially be integrated into online banking, but we hope to integrate them in the future so you can see your rewards points after logging into your main JHFCU account.

Yes, there are Apps available for Apple and Android smartphones.

Yes, Rewards points will expire after three (3) years if not redeemed for merchandise.

You earn points for each merchandise/service purchase transaction. In our current program, you will earn 1 point for each $1.00 charged on the card. Points are not earned for Cash Advances or Balance Transfers. Points are credited approximately 30 days after your purchase and can be redeemed on the Uchoose website

Yes, some of the merchant-partners will offer special programs where you can earn extra bonus reward points. To find what might be available, visit the UChoose Rewards site.

100,000 is the maximum number of points that can accrue; any more earned after that will drop off.

Yes, you should receive a 90-day warning email prior to expiration.

JHFCU's UChoose Reward program offers a wide array of items for redemption with your Visa Rewards Card points. There are various merchandise items, including electronics and even trips or tickets to events, or gift cards.

Register your credit card on the website. Track your points, and once you have a sufficient amount you can browse the site for eligible merchandise and begin shopping.

No. Once points are redeemed you are not able to change what was picked.

Yes. If you return something purchased with your Rewards card the Rewards points will be deducted from your Rewards points balance.

Once your credit card has been canceled/closed, you will no longer have access to these rewards. All points accrued will be lost.

Contact the credit union at 410-534-4500 or 800-543-2870. If you call during our normal business hours, we will deactivate your card. If you call after hours, our third-party card processor will deactivate your card to prevent unauthorized activity from occurring.

Contact the credit union. Your old card will be deactivated and a new card will be processed and mailed.

There are many options for making a payment to your JHFCU Visa Credit Card:

1. Transfer online from Checking, Savings, or another transactional account to your Visa Loan account. Payment will be credited immediately and balance and available credit will be updated.
2. JHFCU's Online Bill Payment – You can use JHFCU's Online Bill Payment service to make a payment, but note that it will take 2 business days to credit the Credit Card account and update the balance. If you do like to use Online Bill Payment for ease of paying all your bills and tracking, you can pay your Credit Card this way. When you set up JHFCU as a Payee, use your regular 9-digit JHFCU account number, a dash, and you 2-digit loan suffix number between 70 & 77, (EX:. XXXXXXXXX-XX.)  Do not use the 16-digit number on the plastic credit card. You should use JHFCU's main address, 2027 E Monument St, Baltimore, MD 21205.
3. JHFCU TeleBranch 24 — You may transfer your payment from a JHFCU account to your Visa; use your loan suffix number between 70 & 77 (EX: XXXXXXXXX-XX.)
4. Online Bill Payment from an Outside Bank - When you set up JHFCU as a Payee, use your 9-digit JHFCU Account number - 2-digit loan suffix number between 70 & 77 (EX: XXXXXXXXX-XX.) Do not use the 16-digit number on the plastic credit card. You should use JHFCU's main address, 2027 E Monument St, Baltimore, MD 21205
5. Mailed Check Payment
6. Branch Payment by Check
7. Branch Payment by Transfer

NOTE: You should not set up automatic recurring transfers, since the monthly amount will vary. Also, Payroll Deduction payments are not an option for the Credit Cards.

JHFCU's cycle date for Card Statements is the 18th 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.

Your due date is at least 25 days after the close of the billing cycle. Your Credit Card payment will be due on the 15th of each month.

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 assessed.

Your Minimum Payment due will be 2% or $30, whichever is greater. Of course you can pay the balance in full each month to avoid interest charges, and/or can pay more than the minimum payment due at any time. Please note: If you have a total outstanding balance of under $30 for the first statement cycle, the system will still show a minimum of $30 due, but you are only responsible for the amount charged.

If you made a payment by check that was returned for non-sufficient or non-available funds, we will reverse the payment on your account. You will be charged interest on outstanding balances as if the payment were never received, and will be charged a Returned Check Fee as well. If your reversal is made after the due date and you didn't make another minimum payment, you will incur a Late Fee, too.

Depending on the statement cycle and your average daily balance, you may have had a residual balance in the new cycle even though you paid off your balance with your last payment.