FAQ

How does my credit score affect my loan or credit card rate?

If you have a higher credit score, lenders and investors will be more likely to provide lower interest rates and fees. If your credit history is good, investors will have more confidence in your ability to pay on time consistently.

Did you know you can check your own credit score for free once annually? A good credit score is essential to your financial health. Visit annualcreditreport.com to receive a free copy of your credit score.

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How do I request a credit limit increase?

To request a credit limit increase please fill out a new credit card application, and a loan officer will work to increase the limit on your existing card.

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Do you offer a credit card rewards program?

No, we do not offer a credit card rewards program, but we do have several credit cards options:

Visa Platinum
Visa Classic
Visa New Beginning

Our credit cards have great features that make being a member at Providence Federal Credit Union worthwhile!

No annual fee and cash advance fees
Internet Authentication Service (Verified by Visa®)
Fraud protection – provides 24/7 fraud monitoring
$500,000 Travel and Accident Insurance
Emergency Cash and Card Replacement
Zero Liability
Free balance transfers up to your credit limit
Visa Global Customer Assistance Services (GCAS)

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What do I do if I lost my Debit/Credit Card?

If your card has been lost or stolen we recommend that you block your card in Online Banking or the Mobile Banking app immediately. To do this, log in to Online Banking or your Mobile Banking app, go to “Cards” and then “Lock Card.” You can then go to “Lost Card” to order a replacement card. You can also contact us at (866) 633-7032. We will block and reissue your card.

Please review our Deposit Fee Schedule on our Rates page for our current Card Replacement Fee.

To learn more on how you can protect yourself, please visit our Security page. If you suspect your accounts have been compromised, Contact Us right away!

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