Secured Credit Card

Making Payments

• How Can I Make a Payment?

  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.

• When Will I Receive My Credit Card Statement?

  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.

• When Is My Payment Due?

  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.

• 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 assessed.

• How Much Will My Payment Be?

  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.

• What Happens If I Pay My Bill On Time, But The Check I Use Is Returned (Bounced)?

  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.

• I Used To Carry A Balance, But Paid My Account In Full This Month; Why Was I Charged a Finance Charge?

  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.

Lost, Stolen, or Damaged Credit Card

• What If My Card is Lost, Stolen or Damaged?

  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.

• How Do I Get a Replacement Card?

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

Co-Applicants and Authorized Users

• Can I have a co-applicant on my Credit Card?

  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.

• 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 credit card account. To add an Authorized User, a form needs to be completed and signed by the card holder and authorized user. The Authorized User must be over the age of 18. In the future we hope to have an online form for adding Authorized Users.
• Will a co-applicant Have The Same Card Number?
  No, credit cards are issued with unique numbers in all cases.
• What is the Difference Between a co-applicant and an Authorized User?

  No account information will be given to the Authorized User.