Frequently Asked Questions

Credit Card Online

What is Credit Card Online? Credit Card Online allows you to view your credit card transactions and your statements online, as well as make payments and sign up for e-Statements. It also provides information on who to call with questions, payment addresses, and how to handle fraud and dispute claims.

How do I enroll? Enrolling is as simple as entering Credit Card Online through your home banking site and clicking on the link that displays your credit card account information.

How do I make a Payment on my account? The easiest way to make a payment is through the Make A Payment option in Credit Card Online. By entering your checking or savings account information, you can have a payment posted to your account within a few business days, or schedule one for a future date. Also, you can make a payment by stopping in at your local credit union office or by mailing payment to:

VSECU

PO Box 10309
Des Moines, IA 50306-0309

If you have any questions, please contact us at 802/800 371-5162.

If I suspect Fraud or Forgery, what should I do? Visit our Help page or contact us at 802/800 371-5162.

If I want to Dispute a transaction, what should I do? Visit our Help page or contact us at 802/800 371-5162.

Is Credit Card Online safe? Credit Card Online is designed to keep your account information secure. Your session will time out after 20 minutes of inactivity and your account number is never displayed on the screen. If you have any questions, please contact us at 802/800 371-5162.

Activation and Use

How do I activate my account? When you receive your card, please call 888-691-8661 from your home phone.

My card has been lost/stolen, what should I do? Please call 802/800 371-5162 immediately to report your lost card. A Member Service Consultant will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.

I think I have fraud on my account, what should I do? Please call 802/800 371-5162 immediately to report any fraud.

How can I get my credit limit increased? Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, you can apply for an increase online at www.vsecu.com.

General Information

What is APR and how do I find my APR information? APR is annual percentage rate, this is the amount of interest that is billed to your account for the convenience of carrying a balance. Please review your card agreement and welcome letter for complete APR details.

What is a line of credit? This amount is listed on the card carrier, the letter that your card was glued to, in the upper right corner. You may also view your credit line and the balance remaining for purchases and cash advances on the Account Overview page once you have logged into Credit Card Online.

What is a minimum monthly payment? This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 3% of the new balance but at least $25. If the new balance is less than $25, then the minimum payment would be equal to the new balance.

Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error please contact us at 802/800 371-5162.

I have a dispute on my credit card statement, what do I do? If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps. First, double-check your receipts and check with other authorized users of your card. Second, contact the merchant where the purchase originated. Finally, if you are unable to resolve your dispute with the merchant, please us at 802/800 371-5162.

How does my credit union keep my personal information safe? Your account safety is our primary concern. Please refer to our Privacy Policy for specific policies and information.

I am traveling internationally, can I use my credit card? Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you call us at 802/800 371-5162 prior to your departure as a fraud protection measure. When traveling internationally please use the direct dial number of 00-1-802-371-5162. The toll free number will not work outside the United States.

Can I add an additional user to my credit account? Yes, please contact us at 802/800 371-5162. They will quickly gather the necessary information from you. There is no fee for adding a secondary user.

Account Access

I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online please call 802/800 371-5162.

How do I make a cash advance? There are three convenient ways to get cash from your credit card. You may visit your credit union branch or call to request a PIN to make withdrawals from any ATM.

How do I get a personal identification number (PIN)? As a security measure to protect you, the card member, personal identification numbers (PINs) are not created unless they are requested. To request or to change your PIN, please call 802/800 371-5162.