Visa® Advantage Secured
This card can be an important part of your financial comeback.
Looking for a second chance? Let HFCU be the first to offer you one.
In challenging times, anyone can hit a bump in the financial road. That can cause your credit score to drop and make it difficult to qualify for a credit card. At HFCU, we take pride in lending a helping hand, offering Visa cards to members working to get their finances back on track. By making on-time payments, you're likely to improve your credit score - and eventually qualify for one of our unsecured cards.
- Card secured with deposits in an HFCU Regular Savings account
- Credit limit based on balances in deposit accounts
- Accepted online and at millions of merchants nationwide
- 2.99% APR* introductory rate for the first six months
- No annual fee, balance transfer fees or cash advance fees
- Visa's Zero Liability policy means you're not responsible for unauthorized transactions
- Breathe easier with Visa's 24/7 anti-fraud and ID theft protection
- Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa® credit cards
- Credit Life and Credit Disability Insurance Protection available for a nominal fee
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.
*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.
**The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones. You are responsible for any text messaging fees from your carrier, message and data rates may apply.
To activate your HFCU Visa Credit Card please contact one of the following numbers:
(800) 290-7893 (for calls made inside the U.S.A.)
(206) 682-2462 (for calls made outside the U.S.A.)
If your HFCU Visa Credit Card has been lost or stolen please contact one of the following numbers:
(888) 297-3416 (for calls made inside the U.S.A.)
(206) 389-5200 (for calls made outside the U.S.A.)
Declined Credit Card and Debit Card TransactionsIf one of your credit card transactions or debit card transactions (where you selected the credit option instead of using your PIN on your debit card) was declined, please call the following phone number for assistance: (800) 457-0525
You can also detach your payment slip, and submit your credit card payments to the following address:
P.O. BOX 19609
Sugar Land, TX 77496
Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.