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Lower your monthly costs and get rewarded—that’s a win all around! Enjoy NO payments for up to 90 days!1 Choose from loan terms ranging from 36 to 84 months with competitive low rates
Where strong credit habits take root.
Healthy credit habits start here—with easy-to-manage limits and low rates designed to help your financial future shine.
Ready to embark on your credit journey? Our VISA® Starter Card is designed for members new to credit or working to improve their history, offering a manageable $500 balance to help you start—or restart—your credit journey with confidence!
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 JHCU, 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.
Starter Visa Credit Card
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.
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:
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.
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
*APR = Annual Percentage Rate.
1Rates are based on applicants’ credit and the type of credit card and may vary at JHFCU. Fee for foreign purchases is 1% of each transaction in U.S. dollars. Cash advance fee is $5 or 2% of the amount of each advance, whichever is greater.
