Personal Credit Cards FAQs

We offer cards for every wallet, whether you are already established or are just getting started. Visit our Credit Card page or schedule a virtual appointment or an appointment in person to learn which card is best for you.

Complete our Online Application to apply for a credit card.

SECU offers several convenient methods by which you can make your credit card payments:

  • Pay online with Online Banking through the “Transfers” tab
    • To pay from another financial institution, find your credit card in “Accounts” and click “Statements & Payments”
  • Make payments from the “Transfers” tool in Mobile Banking
  • Mail-in Payments:
    • Visa, PO Box 4521, Carol Stream, IL 60197-4521
  • Pay over the phone by calling 410-487-7930 or 888-643-9777.


Make a payment to your credit card through Online/Mobile Banking:

  1. Log in to Online or Mobile Banking
  2. Go to “Transfers”
  3. Select the “Detailed” tab (Desktop Only for this step)
  4. Select an account to make the payment From
  5. Choose your credit card account in the pay To section

If you are looking to pay from a non-SECU account, this can only be done through desktop at this time.

  1. Log in to Online Banking
  2. Go to your credit card “Account Details” page
  3. From there, click on “Statements & Payments”
  4. Follow the prompts to make your credit card payment.

To Visa, PO Box 4521, Carol Stream, IL 60197-4521.

Please call SECU immediately for 24/7 support at 800-879-7328.

To dispute a credit card transaction, visit our Credit and Debit Card Fraud Claim page.

Yes! Many of our cards offer Rewards. Visit our Credit Card page to learn more and choose which card is right for you.

If you have an applicable SECU Visa Credit Card, you earn points or cash back per net dollar spent. Points can be redeemed for rewards like merchandise, gift cards and travel. To learn more and apply for a SECU credit card, visit our credit cards page.

You can redeem points for name-brand merchandise, gift cards and travel. With the SECU Visa Signature Card you can even redeem points for cash back. To find your perfect reward and redeem today, visit

To view your credit card rewards points, log in to Online Banking, click on your credit card from “Accounts”, and select the “Statements & Payments” tab. You will be directed to a new page that lists your credit card information. From here, click “View Rewards”.

You can spend your rewards on electronics, recreation, travel, fashion, and more!

To redeem points for merchandise or travel, simply log in to to browse or search for rewards. The required number of points to redeem each reward will be listed.

You can also redeem points for ScoreCard Cash back. After logging in to, select the amount of cash back you would like to redeem via statement credit or direct deposit into a savings or checking account. Note: cash back must be redeemed in increments of $25.

You can choose to redeem your Cash Back as a statement credit to your credit card account or an electronic direct deposit into a savings or checking account.

The total Cash Back you’ve earned is listed on your monthly credit card statement. You can also log in to

The minimum Cash Back balance you can redeem is $25. Cash back must be redeemed in increments of $25.

Log in to and select how much cash back you would like to redeem via statement credit or direct deposit into a savings or checking account. Cash back must be redeemed in increments of $25.

A debit card is linked to your checking account and draws from the available money within the linked checking account.

A credit card allows you to borrow money from a limited line of credit offered by a financial institution. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.

Complete our Online Application to request a credit limit increase.

If you have a higher credit score, lenders and investors will be more likely to provide lower interest rates and fees. If your credit history is good, investors will have more confidence in your ability to pay on time consistently.

Simply insert your EMV debit or credit card into the card reader of an EMV terminal with the chip facing up, and leave the card inside the terminal. Follow the prompts on the terminal to enter the PIN, or to sign. When the transaction is complete, remove the debit card. Visit anytime for instructions on how to use your EMV card.

At merchant locations that have not yet switched to EMV-enabled terminals, the SECU EMV card still has a magnetic stripe and you can swipe the card in exactly the same way as you do today.

A chip card is a standard-size plastic debit or credit card with an embedded microchip. The microchip encrypts account information to increase data security when making transactions at a chip-enabled terminal. SECU’s credit and debit cards will continue to include the magnetic stripe as well.

The Federal Truth-in-Lending law requires that all financial institutions disclose the APR (Annual Percentage Rate) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some, but not all, closing fees are included in the APR calculation. These fees in addition to the interest rate determine the estimated cost of financing over the full term of the loan.

Travel Notification is located in Online Banking. After logging in, from the dashboard, click the “More” widget then the “Travel” icon. From the Travel Notifications screen you can add your SECU card, travel details, and contact information. All travel notification requests are processed by 12:00 pm Eastern, the following business day.