Heartland FCU VISA

One of the many benefits of our card is a low introductory rate of 1.99% for 6 billing cycles. To top it off, we do not charge a balance transfer fee! Think about how much money you can save by consolidating high-interest debt to your low-rate Heartland FCU Visa. Stop in any branch, visit our Web site, or call 937.294.1991 for more information.

To access your Visa Credit Card account online, create an account at Visa Online.

Visa Credit Card Options

• Visa Classic low rate of 14.88% APR*
• Visa Gold low rate of 12.99% APR*
• Visa Gold Plus low rate of 9.99% APR*

* APR = Annual Percentage Rate. View our disclosures. All payments over $1000 may be subject to a three day hold.

Benefits of all our Visa Cards include:

• No cash advance fee
• No balance transfer fee
• No penalty fee
• No annual fee
• 25-day billing cycle
• 10-day grace period
• No minimum finance charge
• Automatic enrollment in ScoreCard Rewards*
• $500,000 travel accident insurance coverage when used to buy airline tickets ($250,000 with Visa Classic)
• Car rental liability insurance coverage when used to rent car
• Accepted at millions of merchants around the world
• Online account management
• Added protection with Enhanced 3D-Secure
• To access your Visa Credit Card account line log in to Heartland Online. If you do not have access to Heartland Online, click to Visa Online.

ScoreCard Rewards

All card holders are automatically enrolled in ScoreCard Rewards*. Each purchase earns you points. Create an account at ScoreCard and start shopping! Note: your current card number may not match your ScoreCard number. If you have trouble creating a user, please stop in any branch or call 937.294.1991.

* ScoreCard points expire after 36 months. The first expiration of points will be December 31, 2018, subsequent expirations will be annually on December 31. You can view your expiring points on your ScoreCard statement or ScoreCard online.

Important Numbers

VISA · 1.844.334.3873

• Activate your Visa
• Fraud, dispute transactions, lost or stolen
• Change your Visa PIN

Visa ScoreCard · 1.800.854.0790

Secured Visa Credit Card

If your goal is to improve or repair your credit score, we can offer you a Secured Visa Credit Card between $250 and $500. You pledge the equal amount of the credit limit with cash, and we hold it in an interest bearing savings account. After 12 on-time payments, you may reapply for an unsecured Visa Credit Card and get your pledged funds released – plus interest! Stop in any branch, visit our Web site, or call 937.294.1991 for more information.

Travel Notification

When you travel, you make purchases out of your normal pattern. These purchases may be blocked by our fraud department. Make sure we have your cell phone number on file in case our credit card fraud department needs to confirm charges. If you have charges denied, simply call the number on the back of your card. Check out our Top 10 Travel Tips.