Card Basics
Can a credit card be mailed to a Branch location?
Cards cannot be mailed to a Branch; they must be mailed to the member’s address.
What fraud liability protection does a card have if it’s lost or stolen?
Cards include $0 Fraud Liability for unauthorized use.
Is there a fee for using a credit card overseas? (Yes or No)
Yes
What is the minimum Cash Back amount needed to redeem rewards?
Minimum Cash Back redemption: $25
What is the monthly credit card due date?
Payment due date is the 25th of each month.
Can Instant Issue cards be issued at Shared Branching locations?
Instant Issue cards are not available at Shared Branching locations.
Who should a member contact if fraudulent transactions occur?
Members should call 605-718-1818 or visit a Branch to begin a dispute.
Should members notify BHFCU before traveling internationally?
Members must notify BHFCU before international travel.
How many Rewards Points are earned per net dollar spent on a Rewards card?
1 point per NET $1 spent
Who must have a co-borrower or co-signer when applying for a credit card?
Borrowers under 18 require a co-borrower age 21+.
How can a member add an Authorized User to their card?
Authorized Users can be added after approval only.
What steps should a member take to begin a dispute?
Fraud claims are handled through Member Service Centers.
or through our website/ mobile app.
What percentage is the current international transaction fee?
Overseas usage includes a fee of up to 1%, charged by Visa.
Where can members view or redeem Rewards Points or Cash Back?
Rewards and Cash Back can be viewed/redeemed via:
What is Credit Limit Restriction for Traditional, Signature Rewards and Cash Back cards?
Traditional & Cash Back: $500
Signature Rewards: $5000
Can an Authorized User be added during the application process?
All borrowers/co-signers must sign to add an Authorized User.
Which cards have Personal Identity Theft Assistance?
Signature Rewards
Can Credit Cards be setup as an overdraft protection source?
Yes
What happens to Rewards Points or Cash Back if a card is closed?
Rewards or Cash Back must be redeemed before closing the card or they are forfeited.
What happens if a member opts out of an automatic credit limit increase?
Opting out of an automatic limit increase will reset the limit and allow exclusion from future increases.
What three Visa credit card types does BHFCU offer?
BHFCU offers Visa Traditional, Visa Signature Rewards, and Visa Cash Back cards.
What insurance coverage is included for travel accidents on Visa cards?
What are the fees for BHFCU Credit Cards:
Annual Fee
Balance Transfer Fee
Cash Advance Fee
There are no fees.
What is the Cash Back earning percentage on net purchases?
Cash Back earns 1.5% on net purchases.
Who is not eligible for Introductory Offers on new credit cards?
Introductory offers are not available to: