Visa Credit Cards
*APR=Annual Percentage Rate. Membership eligibility required.
Automatically Protected 24/7
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.
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:
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.
How Long Will it Take to Pay Off my Credit Card?