Credit and Debit Cards

Find answers to frequently asked questions about our products and services.

Credit and Debit Cards

Q: What do I do if my debit or credit card is lost or stolen?
A: Please call SECU immediately for 24/7 support at 800-879-7328.

Q: What is an EMV “chip card”?
A: 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.

Q: How do I use my SECU Visa chip credit card?
A: 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.

Q: Where do I mail Visa credit card payments?
A: To Visa, PO Box 4521, Carol Stream, IL 60197-4521.

Q: How do I notify SECU that I'm traveling internationally and plan to use my SECU Visa Card?

A: 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.

Visa Credit Card: ScoreCard Rewards and Cash Back

Q: What are ScoreCard Rewards points and Cash Back?
A: 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

Q: What can I do with ScoreCard Rewards points?
A: 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

Q: How can I determine the number of points I have accumulated?
A: The total number of points is listed on your monthly credit card statement. You can also log in to

Q: How do I redeem points for merchandise or travel?
A: Log in to and browse or search for rewards. Rewards will have the points needed to redeem listed.

Q: How do I redeem for ScoreCard Cash Back?
A: 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.

Q: Where can I view my Cash Back balance?
A: The total Cash Back you’ve earned is listed on your monthly credit card statement. You can also log in to

Q: What can I redeem my Cash Back for?
A: 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.

Q: What is the minimum amount of Cash Back to redeem?
A: The minimum Cash Back balance you can redeem is $25. Cash back must be redeemed in increments of $25.

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