Visa Card FAQs

Visa Credit Card FAQs

  1. What is a Credit Card?
    A Credit Card is a card used to charge purchases from merchants without directly linking the purchase to your share or share draft account. People use credit cards for many reasons; primarily for security when purchasing from merchants online or for emergency purchases. Another reason credit cards are useful is they help build and maintain good credit standing if they are used responsibly and their balances are kept low.
  2. How can I get a VISA Credit Card?
    To obtain a VISA Credit Card from Your Legacy FCU, the first step is to apply! You can apply online, over the phone, or call and schedule an appointment for an in-office application. *Approval is subject to credit approval and application analysis* A Loan Processor will contact you within 24-hours.
  3. What are the different types of Credit Card Products I can apply for?
    At Your Legacy FCU, we offer two types of VISA Credit Cards. The VISA Classic Credit Card is our low-rate card for members that are not concerned with rewards and want the lowest amount of interest charged as possible. The VISA Platinum Credit Card still boasts a lower rate, but also offers rewards through UChoose Rewards at 1.5 reward points per dollar spent. The types of rewards you can redeem are gift cards, merchandise, and cash-back that can be used for whatever you want! If you are new to the credit world, we have options for you, too! We offer Share Secured VISA Classic and Platinum Credit Cards, as well. Share Secured cards are cards that utilize a sum of money that we hold in an account as security for the credit line. You cannot access the held funds until the credit card account is closed.
  4. Do I have to be a member to take out a VISA Credit Card?
    At Your Legacy Federal Credit Union, we do require that you have a membership set up with us to obtain credit of any kind. Please contact us today to set up an appointment and get started!
  5. How long will it take for me to receive my new VISA Credit Card?
    Our VISA Credit Cards are printed and sent out by our business partner. They can take up to 7-10 business days to arrive at your mailing address.
  6. How do I activate my VISA Credit Card?
    Please call the phone number listed on the sticker on the new credit card. If you need assistance, please contact us at 419-448-0191.
  7. Who do I call if I suspect fraudulent activity on my VISA Credit Card?
    If you suspect fraud, please call the phone number listed on the back of your card immediately and follow the prompts. Our team may ask you to verify some personal information. This helps us to verify your identity, ensure you are protected, and keep your information confidential.
  8. What do I do if I lost my card, or it was stolen?
    Call Your Legacy FCU immediately. You can speak with a representative or follow the teleprompts to report your card lost or stolen. Your card will be replaced, so if you happen to find your card, please dispose of it properly to prevent putting yourself at additional risk.
  9. Where can I find my VISA Credit Card statement?
    Members with online banking can access their statements via our online banking portal. If you do not have access to online banking, you will also receive a statement in the mail. Please review your statements and retain for your records. If you have questions about transactions or charges, do not hesitate to reach out to us at 419-448-0191.
  10. How do I make a payment on my VISA Credit Card?
    Making payments is easy with our online banking portal. Just log in to your account, click on your VISA Credit Card, and enter your payment information. If you do not have access to our online banking portal, you can also pay by stopping in at our branch location, mailing payments to us, or making a payment over the phone by calling 419-448-0191 and pressing 6 for payment options.
  11. How do I know what my VISA Credit Card limit is?
    On your VISA Credit Card statement, your credit limit is listed as the “Total Credit Line”. A credit limit is put in place at the time of approval when you first applied for your credit card. This credit limit is the maximum amount of money you can use on the credit card. You can always contact us if you are curious about how much money you have available to spend on your credit card.
  12. How do I increase my credit limit?
    All you have to do is apply for the amount you wish to have set as the credit limit. Our Loan Processing team will contact you within 24-hours to discuss the application. If you are curious about our application process, please contact us. *Approval is subject to credit approval and application analysis*
  13. Does Your Legacy FCU perform Balance Transfers?
    Yes, we do! If you are unsure of what a balance transfer is, it’s when we take the balance owed from another card and transfer it to your Credit Card account held with us for a small fee. This can help you lower your monthly obligations by getting some of your debt consolidated onto one credit line. If you have questions about our Balance Transfer terms, please call us at 419-448-0191.
  14. Is there an Annual Fee for these VISA Credit Cards?
    Your Legacy FCU is proud to state that we do not charge our members an Annual Fee for their credit cards.
  15. Can I take cash off my VISA Credit Card like I can from a Debit Card?
    Yes, you can obtain cash, but that comes with a few guidelines. Taking cash from a credit card is called a Cash Advance. There are fees involved and limits to how much you can take out. If you have questions about our Cash Advance terms, please call us and we will be happy to assist you.
  16. How do I access UChoose Rewards to redeem my reward points?
    You can access UChoose Rewards by logging in to your online banking, click the VISA Credit Card account then click the hyperlink UChoose Rewards to be taken to the rewards web page. You can also access UChoose Rewards by visiting the website and logging in to your account. If you haven’t signed up yet, click the “Register” link in the upper right-hand corner of the web page. If you need assistance, please call us at 419-448-0191 for help.