CREDIT CARDS

When you open a new First Service Visa® credit card, six months with the 0% introductory APR period on purchases and transfers will be a standard feature of your account.

Once the introductory period ends, your rate will change to the standard APR (listed above).

To put it simply, credit cards are revolving lines of credit where a borrower uses what they need when they need it, and personal loans are lump-sum amounts that are paid all at once.

To better understand the difference between loan types, and to know when to use each, check out this article on our website.

You can make your monthly credit card payment using our form on FSCU.com, or you can make your payment using First Service Digital Banking by following the steps below:

1. Navigate to Make a Transfer under Transfers & Payments in the menu.
2. In the first column, select the account from which you wish to pay the loan.
3. In the second column, select the loan you wish to pay.
4. In the third column, choose the amount you wish to pay and choose whether you'd like to make a one-time or recurring payment.
5. Click Transfer Now to complete your payment.

Transferring a balance to your card is easy with First Service Digital Banking. Simply follow the steps below:

1. Navigate to Transfer a Credit Card Balance under Transfers & Payments in the menu.
2. Complete the required information about the cards you wish to transfer to and from.
3. Click Submit to finalize your request..

An Authorized Signer is a person that has been designated as having the authority to make charges on your account.

When you add an Authorized Signer to your First Service Visa® credit card, we will send them their own card with their name on it and access to your credit line. They should receive this card within 7 - 10 business days.

It's easy to add an Authorized Signer within First Service Digital Banking. Simply follow these steps:

1. Once you’ve logged in to digital banking, navigate to Add/Remove Authorized Users under Manage First Service Cards.
2. Select your card from the dropdown, then complete the form on the screen, and check the box to acknowledge the terms associated with adding an Authorized Signer.
3. Click the Add button to complete your request.

Adding an Authorized Signer to your First Service Visa® credit card won't negatively impact your credit score or the credit score of the person you are adding. There is no credit pull required for either party. However, heavy card usage can diminish credit availability, which is a factor that influences your credit score.

If you are interested in improving your credit score, we have created a free guide to help you better understand what credit scores are, how they're calculated, and what you can do to improve yours over time.

There are no service charges or hidden fees for adding an Authorized Signer on your First Service Visa® credit card. Taking advantage of this feature won't cost you a thing.

The primary owner of the First Service Visa® credit card is responsible for all charges made on the account and interest accrued from those charges, as laid out in the card's terms. That includes charges made by an Authorized Signer.

If you ever need to dispute a credit card transaction, you can call our team at (713) 676-7777 or visit one of our Houston-area branches to submit your dispute.

You may file a dispute for any of the following reasons:

• Someone else used your card without your permission
• There was a billing error on your account
• You cannot resolve a billing issue with a merchant

Please note, disputes may only be made on a transaction made within 60 days of the statement date. A provisional credit will be applied within 10 business days.

If you notice suspicious activity on your credit card, or if you suspect your account or personal information has been compromised, it is important that you notify us as quickly as possible. Please call our team at (713) 676-7777 during business hours or submit a secure request through First Service Digital Banking to notify our team of your concern.

Your security is of highest priority! We are careful to take action steps to ensure your banking security:

Click here to learn more about our security measures.

• Account Monitoring
• Network Security
• Multi-Factor Authentication
• Fraud Text Alerts
• And more!

Normally, you will receive your renewal card in the mail on the third week of the month prior to your card expiration. If you have not received the new card by the third week of the previous month, call our Contact Center at (713) 676-7777 to order a new card.

Your new card should arrive by mail within 7 - 10 business days. If you prefer, you may also visit one of our Houston-area branches for an instant-issue card.