Platinum & Share Secured Visa

When you apply for a Visa Credit card you will receive an email confirmation once the application has been submitted. If you have questions regarding the status or anything at all reply to the email and member of our team will respond with an update. 

You can activate your credit card online or over the phone.

Online:

1. Log into Digital Banking
2. Navigate to the Visa Card Management center and select your credit card on the Account Summary page
3. Select "Activate" on the card image and enter your card expiration date

Phone:
Call our toll free number at 800.631.3197 (outside of the United States, please call 531.262.5350)

A balance transfer lets you move a balance from one credit card or loan to your Platinum Visa or Savings Secured Credit Card.  Transferring balances with a higher APR to a card with a lower APR can help reduce the amount of money you pay on interest.

Please note that it may take up to 2-3 weeks for your creditor to apply payment. Please continue making payments until your transfer is complete and reflected on your creditor's statement.

You can transfer a balance from another credit card to your credit card at The Police Credit Union in one of the following ways: 

Online:

• Log into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"
• On the Visa card management page, navigate to "Balance Transfer" on the bottom right side of the page
• Complete and submit the online form

By filling out the Balance Transfer Form PDF and returning the form to us:

• Please fill out all of the information thoroughly and fax it to 415.682.7280 or mail to The Police Credit Union, Attn: Visa^® Coordinator, P.O. Box 1087, San Bruno, CA 94066.

If you need help please look for the "We're here to help" section below to contact us and we can assist you. 

A cash advance allows you to withdraw cash from your Platinum Visa or Savings Secured Credit Card. 

Cash advances can be a source of funds if unexpected expenses arise, but keep in mind that you will pay a transaction fee and the money you have borrowed against your credit card will start accruing interest. 

You may request a cash advance in one of three ways:

• Visiting one of our branch locations,
• Calling our Contact Center at 800.222.1391 (note: a limit of $5,000 applies), or
• Selecting the Withdrawal option at a compatible ATM and selecting Credit as the withdrawal source.

If you need help please look for the "We're here to help" section below to contact us and we can assist you. 

On Visa card management page within Digital Banking you can: 

• See your activity
• Check your balance
• Make a payment
• Report a card lost or stolen
• Place a travel notification
• Update your cardholder information
• Request a balance transfer
• Request Replacement Card
• See your rewards points summary and access CURewards to redeem points

How to Navigate to the Visa card management page:

• Log into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"

Register your The Police Credit Union Platinum Visa^®  for free Visa Purchase Alerts and receive real-time email and text notifications when purchases are made on your credit card! 

Register Your Card

Set the notifications that are right for you: reaching a purchase amount threshold, international purchases, or purchases made on the Internet or over the phone.

How Visa Purchase Alerts Work

• Register your The Police Credit Union Platinum Visa by clicking on the button above.

• Register your mobile device and email to receive Visa Purchase Alerts.

• Choose the notification triggers that match your needs. 

Purchase alerts can help keep your account secure by allowing you to immediately identify possible fraudulent activity.

You can easily change or customize your PIN by calling 888.886.0083 anytime 24/7 and following these instructions:

• Enter your card number.
• Answer the security questions.
• Enter your new custom pin (any combination of 4 numbers).
• Re-enter your new PIN.

You're done! Your new PIN will work immediately.

You may now call 888.886.0083 anytime 24/7 to reset your PIN.  

After the security questions are answered, you will be prompted to identify which cardholder you are by entering the first letters of your first name using your telephone key pad. The system will confirm which cardholder is calling.

If there have been multiple cards issued for the same cardholder and you have changed your PIN recently, it’s possible you are using the wrong card. Since the chip is unique to the card, the updated PIN only works for the most recently issued card.

Temporarily lock your credit card online:

• Log into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"
• Locate the card you would like to lock, and click on the green "Lock Card" icon

Unlock your credit card online:

• Log into Digital Banking
• Click or tap on the link for your Platinum Visa credit card
• Locate the card you would like to unlock, and click on the red "Unlock Card" icon

You may make a payment on your vehicle loan one of the following ways.

Digital Banking: In digital banking there are a number of payment options:  

• Navigate to the Visa card management page, by clicking on your Visa credit card account number on the Accounts Summary> Make Payment. On the payment page you can set-up automatic payments or make a one-time payment. 
  
  
• Money Transfer: From the Accounts Summary page go to the "Pay" button under your Visa account. This will take you to "Move Money" where you can make a one-time payment or a recurring transfer
• Bill Pay: Click on Set up a one-time payment or a recurring payment

Virtual branch or branch location: Visit our “Contact us” page to find out how you can visit our virtual branch, a branch location.

Phone: Call us at 800.222.1391 to make a payment over the phone.

Mail: Please make sure to notate your account number on the check memo and mail check to:

The Police Credit Union/Consumer lending
P.O. Box 1087
San Bruno, CA 94066

• Visa Credit Card Platinum Agreement (PDF)
• Visa Credit Card Share Secured Agreement (PDF)

• You can enroll by logging into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"
• On the Visa card management page click on "Rewards"
• This will take you to the CU Rewards site where you can enroll 

• Log into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"
• On the Visa card management page click on "Rewards"
• You will be redirected to CU Rewards site where you can redeem your rewards points

You will find detailed information in the Visa Benefits Guide.

An online Travel Notification form is available within Digital Banking to notify us of when you will travelling away from your home area. Alerting us of your travels will reduce the likelihood that your The Police Credit Union Visa will be blocked due to card activity outside your home area.

Navigating to the form: 

• Log into Digital Banking
• Navigate to the Visa card management page, by clicking on your Visa credit card account number in the "Accounts Summary"
• At the right of the screen, click on "Travel Notifications"
• On the Travel Notifications page enter your travel dates and destination and click submit. 

The foreign transaction fee is 1% of foreign transactions in US Dollars.

You can visit the Payment Protection page here.

If you would like to enroll please look for the "We're here to help" section below to contact us.

I received an automated fraud alert what do I do? 

If suspicious activity is detected on your credit card, our automated security system will attempt to contact you immediately with a text message. If no response is received to the initial text, the automated system will attempt to contact you via the next available channels until a response is received, in this order:

1. Text message
2. Phone call and voicemail
3. Email

Take action immediately by responding to the automated system via text, phone, or email. To ensure that you receive these important alerts, please log into Digital Banking and make sure that your contact information is updated.

At The Police Credit Union, we are committed to protecting your personal information so you can use your Visa^® Debit and Credit Cards with confidence. We offer Falcon Fraud Manager to enhance the security of your electronic transactions with a system that detects fraud quickly and accurately to minimize your risk and protect against losses.

24-Hour Monitoring

Falcon Fraud Manager monitors signature-based and PIN-based transactions 24 hour a day, seven days a week.

• Each debit and credit card transaction is assigned a score on a risk-based scale.
• High-risk transactions will trigger Falcon Fraud Manager to contact you to determine the transaction’s legitimacy.
• If the score is deemed ultra-risky, Falcon Fraud Manager may block your account temporarily if you can’t be reached, in order to secure the card against fraudulent activity.

Even with Falcon Fraud Manager, you should contact The Police Credit Union immediately if the following occurs:

• You suspect your card has been compromised.
• Your contact information has changed. (It’s vital to keep your contact information and emergency contact information current at The Police Credit Union.)
• You are planning a vacation and know there will be unusual activity on your card.