Credit Card

• Report a lost or stolen credit or debit card
  

  Call 800-449-7728

• Verified by VISA®
  

  Protect your VISA® credit and debit cards when you shop online with Verified by VISA®

• Over the limit coverage
  

  If you want us to authorize transaction that will go over your credit limit, download the Over the Limit Fee Opt in Form and either mail to the address on the form or fax it to Card Services at 571-527-2343

  
  
  

• Disclosures
  
  • Visa® Credit Card Disclosure
  • Consumer Credit Card Agreement

VISA® Rewards FAQs

• How do I redeem my points?
  

  Redeem points

• When do my points expire and will I be notified prior to that date?
  

  Points expire in 5 calendar years, and notification will be listed on your monthly statement

• Is the VISA Rewards Credit Card a variable rate?
  

  Yes, and the rate will change when the Prime Rate changes

• How will I know that my deposit has been made to my account?
  

  The credit to your account will have the following comment: CO: Award HQ Type P2C

• Once I make a request, how long does it take to receive the money, payment or Gift Card?
  

  7 to 10 business days (Generally no later than 3 business days)

• How many points do I have to accumulate before I can redeem my points for cash, make a payment to the Democracy FCU VISA Rewards Card, or purchase a Gift Card?
  

  A minimum of 5,000 points is required to redeem points

• How many points do I earn?
  

  You earn 1 point for every dollar spent

• What are the VISA Rewards Limits?
  

  $500.00 - $30,000.00 maximum