Visa Credit Cards

The Ultimate in Buying Power, Convenience and Security

More Safety. More Convenience. More Cash Back.

Apply Online

 

Visa Credit Cards

Secured*

3.25%

  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • Instant, Ready to Use EMV Chip Security Card
  • *Secured by Savings Account

Gold Plus

9.45%

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App

Classic Plus

12.49%

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App

Apply Now

Fraud Detection

Automatically Protected 24/7

Lost or Stolen Cards

If your VISA card is lost or stolen, IMMEDIATELY notify the credit union by calling 410-838-9090 or 410-879-3762 during regular business hours.

If you discover your card is lost or stolen when the credit union is closed, report your card lost/stolen by dialing 1-800-472-3272.

FREE VISA Fraud Protection

HAR-CO Credit Union uses a powerful tool for early detection of fraudulent activity on your HAR-CO VISA credit and debit cards. As a HAR-CO VISA Credit Card or Check Card holder, you are automatically protected 24/7. All you need to do is keep your phone numbers up-to-date with the credit union.

If fraudulent activity is suspected, the Fraud Monitoring Service automated notification system will call you directly at your current phone number on file to verify transactions. If the automatic caller reaches an answering machine or voice mail system, an automated message with contact information will be left. HAR-CO's Fraud Monitoring Services' system will contact you between the hours of 8:00 am-9:00 pm local time based on your area code. Two calls will be made to each of your phone numbers with a 15 minute gap between calls for one day. Based on your instructions, HAR-CO's Fraud Monitoring Service can permanently block your card, place a temporary block on your card, or they can take no action at all and close the alert. If you do not respond to the Fraud Monitoring Service directly, you may also receive a call from credit union staff in the following days.

Note:

If you are taking a trip out of the country, please check the status of using your HAR-CO issued VISA Credit or Debit card in the country you will be visiting. Due to increased international credit card fraud cases, HAR-CO has blocked use of credit union issued cards in certain countries. This is done to protect YOU from becoming a fraud victim.

Countries Currently Blocked From ANY Transactions Are:

  • Japan
  • Jordan
  • Kuwait (ecommerce only)
  • Qatar
  • Romania
  • Thailand

If you have any questions about blocked countries, please stop by one of our branch locations and speak with a Member Service Representative or contact a Call Center Agent today at 410-838-9090 or 410-879-3762 or 1-888-427-2628.

Visa Disclosure

ANNUAL PERCENTAGE
RATES (APR) FOR
PURCHASES

OTHER APR’SPAYMENT
FOR
PURCHASES
METHOD OF COMPUTING THE
BALANCE FOR PURCHASES
ANNUAL
FEES
MINIMUM
FINANCE
CHARGE
FEES

SECURED VISA

3.25%


 

VISA GOLD PLUS

9.45%


VISA CLASSIC PLUS

12.49%

NONE 25TH DAY OF
EACH MONTH*
AVERAGE DAILY BALANCE
(INCLUDING NEW PURCHASES)
NONE NONE

Transaction Fee for Cash Advances

-NONE-


Balance Transfer Fee

-NONE-


Late Payment Fee

**5%


Over the Credit Limit Fee

-NONE-

Information above was accurate as of December 1, 2017. Rates and Terms are subject to change. Current rates and terms can be obtained from:

30 Hickory Avenue, Bel Air, MD 21014.

*How to Avoid Paying Interest on Purchases – Your due date is the 25th of every month. No finance charge will be imposed on credit purchases if the entire new balance is paid in full by the due date.

**Late Payment Fee – 5% of the payment amount for every payment 10 days (or more) delinquent. A $2.00 minimum late charge for each delinquent payment.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

How Long Will it Take to Pay Off my Credit Card?

Calculate

Traveling in or out of the country?

Before you leave:

Notify HAR-CO of your travel dates to prevent any unnecessary blocks on your VISA® Debit or VISA® Credit Cards.

 

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