Credit Cards

A credit card can be an important part of managing your financial life. Using a credit card for everyday purchases has several benefits that you won’t get from your checking account, such as:

• A Better Credit Score: When you use your credit card and pay it off each month, you are building a positive payment history, which can help maintain or improve your credit score.
• Easy Expense Tracking: Using a credit card creates an easy-to-read monthly recap of your expenses in the form of your statement. You’ll see each merchant you purchased from and the amount you spent. That can help you understand where your money is going each month, which is one of the first steps in building an effective budget.
• Rewards: Rewards are the primary reason most people use credit cards. Rewards can be an extra bonus you get for buying the things you use every day. Earn rewards points for your purchases and redeem them for travel, merchandise, and cash.

If you’re traveling outside of the U.S., please let us know before you go.

We may contact you if we identify purchases outside of your normal area. Be sure your phone number and email address are up-to-date within the My Cards section on your Seattle Credit Union Mobile App or Online Banking. Another option for updating travel notices is by visiting a branch or by calling us at 206-398-5500.

Seattle Credit Union may send you a one time passcode through text or phone call to validate your login to Online Banking. If you won’t be able to receive a text message at a U.S.-based phone number, please contact us at 206-398-5500 to discuss alternative methods to access your account.

Balance transfers are an easy way to consolidate debt. By moving balances from high interest credit cards to lower interest cards, you can save money.

If you don’t have a Seattle Credit Union credit card yet, learn more about your options and apply online.

If you are an existing Seattle Credit Union cardholder, you can call us at 855.609.3580 or start the balance transfer process via Online Banking:

1. Log into Online Banking
2. Locate your credit card in Online Banking:
   • Desktop – Click on the Credit Card Account
   • Mobile – Click on Accounts > then click Credit Card Information
3. Click on Menu > Click on Manage Card > then click Balance Transfer
4. Enter the Payee information (the financial institution holding your current balance)

We’ll process and mail the check to the other financial institution

There are several reasons your debit or credit card might have been declined.

• There are not enough funds in your account to cover the transaction.
• The payment would exceed your card’s daily limits. You may call in to Member Services at 206.398.5500, option 4, between 8:00 a.m. – 6:00 p.m. Monday through Friday, and 10:00 a.m. – 2:00 p.m. on Saturdays, to inquire about your limits or request to have them increased.
• We have placed a temporary freeze on your card due to some potentially suspicious activity on your account. Please call Member Services to learn more.
• We sent you mail that was returned. If this happens, we cannot keep your cards active. Please login to online banking or call Member Services to update your address information.

Mail Visa payments to:

Seattle Credit Union
PO box 2711
Omaha, NE 68103-2711

To add an authorized user to a credit card account, submit a signed written request. The request must be signed by both parties: the original card holder and the person to be added as an authorized user. The form can be returned via Online Banking Secured Message, faxed to 206.398.5679, dropped off at a branch, or mailed to Seattle Credit Union, PO Box 780, Seattle, WA 98111-0780.

Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars.

The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.

The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

For debit cards, a fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals, and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.

There is no International Transaction fee on our credit cards.