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Credit Card FAQs

Credit Card Questions

Questions & Answers

Is there a fee to order a new credit card?

There are currently no fees to order a new credit card.  If you believe that your card may have been lost or stolen, please contact us immediately at 800-449-7728.  Assistance is available 24 hours a day, 7 days a week.

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I would like to view my credit card purchases online. Is that possible?

Yes, you may see your credit card history online.  Log in to your account on AgFed online and click on ‘Additional Services’.

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How do I access my Visa statement online?

In order to access your Visa Statement online, log into AgFed Online.  Once logged into your account, click on ‘Additional Services’ and then click on ‘View Your Credit Card Transactions Online’.  The transaction history for your Visa account is available there.

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What number do I call after business hours to report lost or stolen Visa cards?

To report a lost or stolen Visa card, call 800-449-7728.

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How do I send a wire transfer for payment to my Visa Credit Card account?

Please provide the following information to the bank making the transfer:

  • Our Credit Union name: Agriculture Federal Credit Union
  • Our ABA routing number: 254074057
  • Your member number
  • Wire funds to your savings or checking account, for further credit to your credit card number.

The wire transfer must be received prior to 3:00pm EST to post to your credit card account the same day.  Payments will be posted at midnight of each business day.  Payments received after 3:00pm EST or on a weekend/holiday will be applied to your account on the next business day. 

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Can I report my lost or stolen Visa credit card on your website?

The best course of action is to immediately call 800-449-7728 or 800-VISA911 to report your card lost or stolen.

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My VISA credit card has expired and I have not received my new card yet. Do I need to worry? Should I report it lost?

If you have not received your reissued card and your current card has expired, you should contact the Credit Union at 202-479-2270 or 800-368-3552 to verify that a new card was mailed out and what address was used.

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I have a VISA card that has been used so much that the VOID is starting to show through. Do I need a new card and will there be a charge for the replacement card?

As long as the card still works there is no reason to replace it.  If the magnetic strip on the back of the card should wear out, then we would replace the card at no charge.

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Where do I send an overnight credit card payment?

The address to send overnight payments is:

Agriculture Federal Credit Union
14th & Independence Avenue SW Room SM-2
Washington, DC 20250.

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What do I need to do to apply for a credit card?

You may apply over the telephone at 888-451-5626, online under the ‘Loans’ tab or at any branch location.

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Do you process credit card limit increase requests online?

You may complete an application for an increase online, by visiting our website and clicking on the ‘Loans’ tab.  Once it is approved, the increase is normally applied to your account on the following business day.

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What credit cards do you offer?

AgFed currently offers Visa Classic, Visa Platinum with Rewards, Visa Platinum without Rewards and Secured Visa cards.  To apply for a Visa Credit Card or get more information, call 888-451-5626, apply online by clicking on the ‘Loans’ tab or visit any AgFed branch. 

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Is there a grace period on cash advances on your Visa Credit Card?

No, there is no grace period on cash advances. 

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When is my payment due?

Your payment is due by the due date indicated on your bill.  Payments received after 3:00 p.m. EST or on a weekend/holiday will be applied to your account on the next business day.

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How long does it take to get a new VISA card when one is requested if it is lost or stolen?

It generally takes from seven to fourteen business days.

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How do I cancel my credit card?

For security reasons, card cancellation requests must be made in person at any branch or by fax to 202-479-3877 or mail to Member Services at:

Agriculture Federal Credit Union
PO Box 2225
Merrifield, VA 22116-9998


Please ensure that you:

  • Cut the card up into several pieces before discarding
  • Contact the appropriate companies to cancel any pre-authorized debits on your account
  • Destroy all 'Convenience Checks'

All features and benefits of the card such as online access, insurance coverage and rewards will cease.  A monthly statement will continue to be sent until the balance has been paid in full.

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What are your credit card eligibility requirements?

The eligibility requirements for a credit card are the same as for any other loan we offer at AgFed.

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Can I call the 800 number and activate my Visa Credit Card?

Yes, to activate the card, please call the 800 number printed on the sticker on the face of your new card. It is not possible to activate a card online.

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How do I add an additional cardholder to my credit card?

If you would like to add an additional Cardholder to your account, please submit a signed request to Member Service.  You may fax it to 202-479-3877 or mail it to Agriculture Federal Credit Union, PO Box 2225, Merrifield, VA 22116 or visit any AgFed branch. 

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How do I replace my credit card?

If your card has been damaged, you may contact Member Services at 202-479-2270 or 800-368-3552 during business hours.  If you believe that your card may have been lost, stolen, or compromised contact Cardholder Service immediately at 866-820-5794.  Assistance is available 24 hours a day, 7 days a week.

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Can I make my credit card payment at Western Union?

At this time you are unable to make payments at Western Union.  However, you may send a wire transfer from another financial institution to your AgFed account and request that it be transferred to your credit card.

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How is interest calculated on purchases?

The finance charge is calculated separately for purchases and cash advances.  For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases.  

To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.)  This gives us the daily balance of purchases.  Then we add all the daily balances of purchases for the billing cycle together and divide by the total number of days in the billing cycle.  This gives us the average daily balance of purchases.

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Can I apply for a credit card online?

Yes, you can apply for a credit card online under the ‘Loans’ tab on our home page.  In most cases, you will receive a response by the following business day.  If your application requires additional information, a loan officer will contact you during the next business day.

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Where do I send my credit card payments?

You may mail your credit card payment to:

VISA
PO Box 71050
Charlotte NC 28272-1050

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Is there a limit on the amount of cash that I can advance on a VISA card?

Your cash advance limit is the amount of your credit line.  While there is no daily limit for a cash advance, an ATM may have a limit per transaction.  If you walk into a financial institution, there may also be a transaction limit set by that institution.

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What is the minimum payment on a Visa credit card?

Your minimum payment will always be 3% of your outstanding balance, with a minimum monthly payment of $15.00, and is located on your monthly statement.

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Can I use my AgFed Visa Credit Card to get cash at an ATM?

Yes.  All you need is your card and Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.  If you do not have your PIN, you may request one by calling 202-479-2270 or 800-368-3552 and one will be mailed to you.

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What do I do if I have a charge I did not make on my Visa Card?

To report an unauthorized charge on your Credit Card, you may call 800-449-7728.

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Can I transfer higher rate credit card balances to my AgFed VISA Card online?

No, in order to transfer higher credit card balances to your AgFed card, you must contact a Member Service Representative at 800-368-3552 or 202-479-2270 or visit one of our branch locations.

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Under what circumstances might my card be declined?

Your credit card may be declined for many reasons. Some of which may include using an incorrect expiration date (normally online and telephone transactions where the card is not present), using an invalid security code (3 digit number at the back of your card), your card may not be activated, the amount you may be trying to charge might be more than your available limit or your account may be temporarily restricted for abnormal activity pending validation that you initiated certain transactions.  It may also be blocked due to overdue payments with any loan at AgFed.  If your card is declined and you want to know why, you can contact our Member Service Department at 202-479-2270 or 800-368-3552.

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How do I contact your credit card services if I am out of the country?

This is dependent on which country you will be calling from.

Belgium

0800-11-766

Canada

1-800-654-7728

France

0800-90-1615

Germany

0130810002

Guam

800-654-7728

Italy

800-897-089

Japan

00531-11-1727

Mexico

00-1-800-336-728

Panama

00-1-800-111-038

Philippines

1800-1-111-9081

Spain

900-99-1164

United Kingdom

0-800897330

For all other countries, you may dial 202-479-2270 during regular business hours and you will be transferred to Cardholder Services.

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What do I do if I need an additional card?

You may request an additional card only if you are designating an authorized user.  For security purposes you may not have more than one card with the same name.  In the event that you are designating an authorized user, we require a written request.

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How can I close my Visa Credit Card account?

You may close your Visa account by submitting a written request to Agriculture Federal Credit Union at any of our branches or by mail at PO Box 2225, Merrifield, VA 22116.

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How do I make credit card payments electronically?

Credit card payments may be made by transferring funds from your AgFed deposit account to your Credit Card account through Online Banking or by logging into your account, clicking on ‘Additional Services’ and then click ‘Online Services’ to make your payment from another financial institution.  Payments may also be made at any of our branches or by telephone at 202-479-2270 or 800-368-3552. 

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How far back can I obtain credit card account information online?

You may view your last 13 statements online.  Any transactions posted to your credit card account since the last statement will also be available.

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How do I request a Visa Credit Card?

To apply for a Visa credit card, call our 24-hour loan line at 888-451-5626 or visit the ‘Loans’ tab on the home page and select ‘Visa Credit Cards’. You may also apply at any of our branch locations.

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What is your current rate for credit cards?

The rate for a Visa Platinum with rewards is 12.90% APR.  The Visa Platinum without Rewards is as low as Prime + 6% and 14.90% APR for our Classic Visa and secured Visa cards.  All the cards come with penalty pricing, which means that if your account becomes 60 days delinquent, the rate will be increased to 17.9% APR and remain at that rate until it has been current for 6 months, after which the rate will revert to its original percentage.

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What is the maximum limit on a Credit Card?

The maximum limit on your credit card depends on the amount for which you have been approved.  The maximum limit we offer is a $30,000.00 Platinum Visa credit line.

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What is the difference between a Credit Card and a Debit Card?

Although you use a Debit Card much like you use a Credit Card, the method of payment is different. When using a Debit Card, you are using the money from your account.  The amount of your purchase must be available in your account at the time the purchase is made.  When using a Credit Card, you are borrowing money against your available credit line.  You pay that money back when you make your monthly payment.

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Can I request a Personal Identification Number (PIN) for my Visa Credit Card online?

You may request a Personal Identification Number (PIN) by calling Member Service at 202-479-2270 or 800-368-3552. For security reasons, the PIN will be mailed to you. 

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How is interest calculated on cash advances?

For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances.  

To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances and subtract any payments and/or credits that we apply to the cash advance balance.  This gives us the daily balance of cash advances.  Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle.  This gives us the average daily balance of cash advances.  

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Can I use Electronic Bill Payment to make a payment on my credit card?

Yes, you can pay your Credit Card bill online free of charge up to 30 days in advance.  From the ‘Account Center Plus’ screen, after you’ve signed into your membership online, click on ‘AFCU Credit Card’ at the bottom under ‘Loans’.  This will show you the recent activity on your card.  At the top of the screen, click on ‘Online Services’ and then on ‘Make a Payment’.  In the drop down box on the upper left side of the screen, select ‘Make a Onetime Payment’.  Online payments submitted Monday-Friday prior to 4:00 pm EST will be applied to your account the same day.  Payments submitted after 4:00 pm or on a weekend/holiday will be applied on the next business day.

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How do I dispute a charge(s) that appears on my credit card?

You should contact Cardholder Services immediately at 866-820-5794.  They are available 24 hours a day, 7 days a week.  You will be asked some information regarding the transactions and documents will be sent to you via the mail.  The documents MUST be signed and returned to the address provided.

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How do I inquire if any additional amount is due after a credit card has been paid in full?

Because cash advances accrue finance charges from the date of the advance to the date the advance amount is paid in full, after paying off your full balance, your following statement may include a small balance to cover any additional finance charges which may have accrued between the date of your previous statement and the date the amount was paid off.  To find out the amount, before receiving your next statement, please contact us at 202-479-2270 or 800-368-3552.

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What is the average wait for approval on a VISA Credit Card?

You should have your answer within 24 hours.  Your card should be received within 2 weeks after approval.

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How do I find out about the purchases appearing on my credit card statement?

If you have any questions about a particular purchase or wish to dispute an item on your statement, please call Cardholder Services at 866-820-5794 within 30 days after the date of the statement on which the transaction first appeared.

If you believe that your card may have been used fraudulently, contact Cardholder Services immediately at 866-820-5794.  Assistance is available 24 hours a day, 7 days a week. 

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How can I remove an authorized user from my Visa account?

You may submit a written request to us to have that user removed, after which you will be directed to Cardholder services to have a new card number issued.

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I'm always on the road traveling and have a hard time paying my VISA on time. Is there a way I can pay automatically and avoid the late fees?

Yes, you may set up an automatic payment from your account to your Credit Card by completing a Credit Card Request form with AgFed or you may manually transfer the payment online.  In order to do this online, log in to your account and click on Account Transfer.  Transfer the funds from your AgFed account to your Visa Card.

If you wish to pay from an account at another institution, from the ‘Account Center Plus’ screen, after you’ve signed into your membership online, click on ‘AgFed Credit Card’ at the bottom under ‘Loans’.  This will show you the recent activity on your card.  At the top of the screen, click on ‘Online Services’ and then on ‘Make a Payment’.  In the drop down box on the upper left side of the screen, select ‘Make a Onetime Payment’.

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If I want my minor child to use my VISA Credit Card, do I need a separate card or account for them? Can I just let them use my card? Should I order an extra card in my name for my child to use?

We can add your child to your Visa Credit Card as an authorized user if he/she is a joint owner on your membership. He/She would receive a card with their name on it.  We would need signatures from both of you to do this.

You might also want to consider a Student Prepaid VISA® CardThe card is reloadable and can be used worldwide wherever VISA® debit cards are accepted, including online and on the phone.  AgFed has the cards available.

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How can I create my PIN for my credit card?

To create your PIN for your AgFed Credit Card:

  • Dial (888) 886-0083
  • Enter your card number
  • Answer the authentication questions
  • Choose your PIN and confirm
  • Success! Your new PIN is now effective!

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