- Visa® Platinum Advantage
- Visa® Platinum Family
- Visa® Platinum Rewards
- Visa® Prime Lock
- Visa® Advantage Secured
- Credit Card Fraud and Foreign Transactions
- Important Credit Card Resources
- Credit Card Overlimit Program
- Switch to Visa® Platinum Rewards
- Report Lost or Stolen Credit Card
Visa® Prime Lock
Visa® Prime Lock is equal to the current Prime Rate, without added margins.
|2.99% APR* introductory rate for the first six months
|The rate is equal to the current Prime Rate, without added margins.
|No balance transfer fees
|No cash advance fees
|No rate increases for late payments
|No interest on purchases if entire balance is paid within 25-day grace period (Except cash advance – interest accrues from posting date)
|And, zero liability for any unauthorized transactions!
|Free HFCU Card Alerts and Protections service** Sign up for HFCU Card Alerts and Protections
|Visa® Click to Pay helps deter fraud through a retailers site. Sign up all your HFCU credit cards today!
There is a $50 annual fee with the Visa® Prime Lock.
|Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa® credit cards
|Prime Lock card available to highly qualified members
|Credit Life and Credit Disability Insurance Protection available for a nominal fee
Rates Below Effective: February 1, 2024
Visa® Prime Lock
|APR* – Variable Rate as low as
|Visa® Prime Lock
*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.
**The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones. You are responsible for any text messaging fees from your carrier, message and data rates may apply.
Declined Credit Card and Debit Card Transactions
If one of your credit card transactions or debit card transactions (where you selected the credit option instead of using your PIN on your debit card) was declined, please call the following phone number for assistance:
You can also detach your payment slip, and submit your credit card payments to the following address:
P.O. BOX 19609
Sugar Land, TX 77496