Credit Card FAQs

Call Cardholder Services toll-free 24-hours a day at 866-820-3947.

There are a few ways you will be notified if there is any potentially fraudulent activity on your VACU credit card. If a suspicious transaction is detected, a text message will be sent to your mobile device to confirm the transaction. If you do not recognize the transaction, you should call Fraud Detection at 1-888-918-7313. Additionally, you can set up credit card alerts in online banking and the VACU Mobile app, customizable by merchant, transaction type, location, and spending limit.

The easiest payment method is via online banking or the VACU Mobile app. Select My Cards from the menu and then Make a Payment next to the appropriate card. Additionally, you can select Transfers & Payments from the menu and then Credit Card and Loan Payments. You can also mail a check, call Member Services at 800-285-6609, or pay at a branch.

Mail credit card payments to: Mastercard, P.O. Box 37603 Philadelphia, PA 19101-0603

Yes, you can request additional cards for the same account. You will be responsible for the charges made with additional cards.

You agree to repay balances on the account.

We cannot remove a joint applicant from a credit card account, but you can close the account and apply for a new credit card in just your name. You are still responsible for paying any outstanding balance on the closed card.

When the minimum payment is not made on or before the due date, a fee may be assessed.

You can request a credit limit increase in online banking, at a branch, or by calling Member Services at 800-285-6609.

Effective 10/1/12 you automatically receive a 1% rebate on all net purchases. There is no limit on the amount you can earn from the 1% rebate. Net purchases are qualifying purchases less credits, returns, and adjustments charged to your card. You also earn additional bonus rebates on the first $3,000 of qualifying net purchases in each of these three categories annually when processed by an eligible participating merchant: (a) grocery and (b) restaurant merchants - 1% bonus for a 2% total rebate; and (c) gas merchants - 2% bonus for a 3% total rebate. For each category, any net purchase in excess of $3,000 will earn the standard 1% rebate.

How purchases are identified for bonus rebates: Eligibility of a purchase for a special offer rebate is based on the Merchant Category Code (MCC) associated with the merchant where the purchase was made. (A Merchant Category Code is a standard code assigned by the bankcard industry to classify individual merchants into market segments based on their primary line of business.) Eligible merchants and associated MCCs used for the bonus rebates are as follows: (1) Grocery merchants: MCC 5411, 5422, 5441, 5451, 5462, 5499; (2) Restaurant merchants: MCC 5812, 5813, 5814; (3) Gas merchants: MCC 5172, 5541, 5542. Purchases made at merchants that do not process under these codes will not qualify for a bonus rebate but you will still earn a 1% rebate. VACU does not have any control over which MCC codes individual merchants use. 

The easiest way to redeem your cash rewards is in online banking or the VACU Mobile app by selecting My Cards, then View Rewards under your card or Rewards on the card details page. You can redeem your cash rewards as a statement credit or as a deposit to a VACU account. The amount you redeem must be between $5.00 and your available rewards balance.
 

If you are not enrolled in online banking, you can call our contact center or visit a branch to request your Cash Rewards.

Rebates are not paid on balance transfers, cash advances, fees, interest charges, unauthorized or fraudulent transactions, and certain other types of charges.

Rebates are not paid if an account is not in good standing, or if the account is closed prior to the rebate posting date.