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Credit Card Help

Frequently Asked Questions(FAQs)

How do I file a card dispute?
How do I redeem points for merchandise?
What should I do if my card is lost or stolen?
How do I enroll in Credit Card eStatements?
How do I get a copy of my Credit Card statement?
How do I make a Credit Card payment?
How do I transfer funds from my Credit Card?
What can I do to protect my Credit Card information?
What is a finance charge and when does it occur?
Why is a pending transaction different then the actual amount?
Can I use my card outside the U.S.?





How do I file a card dispute?

Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:

  • A receipt
  • A copy of your account history or
  • A statement

If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:

  • Visit a local branch to fill out a dispute form or
  • Contact Us to request a dispute form mailed

For Credit Card disputes:

  • Contact Cardholder Services at 1-855-325-0904
  • Visit a local branch to fill out a dispute form
  • Fill out a dispute form online (must have access to credit card account via Online Banking)

After the dispute form is submitted:

  • The dispute form is forwarded to our card processor for investigation.
  • For Credit Cards, interest will not be charged on the amount disputed.
  • You may be contacted by our credit card processor through the mail if more information is required.
  • Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.
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How do I redeem points for merchandise?

Please note: you must enroll your card(s) to earn points at www.uchooserewards.com. Points can be redeemed for merchandise and travel awards online:

  • Click on credit card account in online banking and Select UChoose Rewards
  • Or Visit www.UChooserewards.com
  • Browse merchandise, make your selection and follow the instructions online.
  • Keep records of your order until you receive your award merchandise.
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What should I do if my card is lost or stolen?

For Lost or Stolen Cards:

  • Call Cardholder Services at 1-855-325-0904 immediately.
  • Once your card has been cancelled, a new card will be mailed to you in 7-10 business days

 

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How do I enroll in Credit Card eStatements?
  • Go to Online Banking
  • Click Fiserv Online Account Management
  • Click Services
  • Click Statement Delivery
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How do I get a copy of my Credit Card statement?
  • Online
    • Go to Online Banking
    • Click Fiserv Online Account Management
    • Click Account Information
    • Click Account History
  • Contact Us
  • Visit a local branch
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How do I make a Credit Card payment?

We offer several options to make your Visa Credit Card payments:

  • Log into Online Banking to transfer a payment.
  • Mail a payment to us.
  • Make payments at a local branch through a:
    • Cash Advance
    • Personal Check
    • Certified Check or Money Order
    • Cash
    • Contact Us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made.


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How do I transfer funds from my Credit Card?

Transfers from your Credit Card, commonly known as a cash advance can be done in the following ways:

  • Visit a local branch with your Credit Card to make a cash advance
  • Request convenience checks at a local branch or Contact Us
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What can I do to protect my Credit Card information?

It is important to monitor your credit card statements on a monthly basis to ensure that they are correct and that there are no fraudulent charges on your account. There are many ways to help ensure that your information is safe:

  • Only buy from reputable online merchants.
  • Never disclose your credit card number to anyone that calls and asks for it.
  • If your contact information changes, Contact Us as soon as possible to have it updated. This ensures that we can notify you quickly if suspicious activity is suspected on your account.
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What is a finance charge and when does it occur?

A finance charge occurs when your monthly periodic rate, to your average daily balance in a billing cycle.

  • It is applied to your account at the end of each billing cycle.
  • Finance charges are charged on any amount of the “new balance” on your credit statement that is not paid by the due date printed on the statement.
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Why is a pending transaction different then the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

  • Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
  • Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
  • Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.
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Can I use my card outside the U.S.?

Keep your cards open by informing us in advance

Remember to advise the Contact Center when you plans include travel outside the United States.

  • Call 843-797-8300 (Charleston) or 800-845-0432 (Nationwide) or go to scfederal.org, click “Contact Us”, and send a secure email.
  • With 7-10 days’ notice, we can open your credit and debit cards for international transactions.
  • Contact Center Representatives are available to assist you Monday—Friday, 8:30 a.m. – 5:30 p.m.
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Online Banking
Enrollment

A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)

Forgot your User ID?

Please call our Contact Center for assistance:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)