• Consumer Credit Card FAQ

    • Can I add an authorized user to my credit card?

      Yes, you can add an authorized user by contacting member services or requesting it through your online account.

    • Can I dispute a charge on my credit card?

      You can dispute a charge by submitting a dispute form online or contact us for assistance.

    • Can I set up automatic payments for my credit card?

      Yes, you can set up automatic payments through online banking to ensure your credit card bill is paid on time each month.

    • Can I set up transaction alerts for my credit card?

      Yes, you can set up transaction alerts via online banking to receive notifications about purchases, payments, and potential fraud.

    • Can I transfer a balance from another credit card?

      Yes, you can transfer a balance from another credit card by contacting us.

    • Can I use my credit card for international purchases?

      Yes! Absolutely! Your credit card can be used internationally. Before you travel, we recommend setting a travel notice through the Card Management feature in Digital Banking so we know you'll be using your card abroad.

    • How do I set a travel notice on my Kitsap Credit Union credit or debit card?

      To avoid transaction issues while traveling, you can set a travel notice for your Kitsap Credit Union card through digital banking:
      • Log in to Online Banking or the Mobile App
      • Navigate to Card Management > Travel Notice
      • Enter your travel dates and destinations
      • Submit and receive a confirmation message
      Please allow 24 hours for processing. You can also edit or cancel your travel notice at any time through the same steps.

      First-time user? Set up Online Banking and download our mobile app from the App Store or Google Play.

    • Can I use my credit card to withdraw cash from an ATM?

      Yes, you can withdraw cash from an ATM using your credit card, but cash advance fees and interest may apply.

    • Can I use my credit card with mobile payment apps like Apple Pay or Google Pay?

      Yes, you can add your Kitsap Credit Union credit card to Apple Pay, Google Pay, and other mobile wallets for secure transactions.

    • Can I use my debit or credit card while traveling internationally?

      Yes! Your KCU debit or credit card can be used anywhere Visa is accepted. To help prevent fraud-related transaction interruptions, set a travel notice with us before traveling internationally. You can do this by either logging into your online banking or mobile app and setting up a travel notice in the card management, giving us a call, or visiting your local branch to let us know when and where you’ll be traveling so we know where your card(s) will be used.

      International transaction fees may apply. Please review our current Rate & Fee Schedule for details.

      To access Card management:

      In Online Banking, log in and select “Card Management” from the “Cards & Rewards” Tab. Then select “Set Travel Notice.”

      In the mobile app, log in and select “Cards & Rewards” from the “More” menu. Then, choose the Card Management option and select “Set Travel Notice.”

    • Do you offer a Visa card with Rewards?

      Yes. Kitsap Credit Union offers a Visa Rewards credit card that allow you to earn points for eligible purchases. Rewards can be redeemed for travel, merchandise, gift cards, and cash back.

      Business members can also apply for a Visa Business Rewards credit card. Members interested in cashback rewards may prefer the Visa Signature Cash Back card.

    • How can I apply for a credit card online?

      You can apply online for a Kitsap Credit Union Visa credit cards through the online application center.

      Each designed to help you with:

      • Competitive rates
      • No annual fee
      • 25-day interest free grace period on purchases
      • Travel Accident Insurance

    • How can I request a credit limit increase?

      To request a credit limit increase, you'll need to submit a new application. You can apply online at your convenience or contact us, and we'll be happy to help.

    • How can I send credit card payments?

      Making your Kitsap Credit Union credit card payment is easy!

      You can make a credit card payment in any of the following ways:

      • Online Transfer from your KCU savings, checking, or money market account.
      • Bill Pay from the financial institution you have your checking account at.
      • Mail us a check or money order for your payment.
      • Provide a payment at a branch location.

    • How do I activate my new credit card?

      You can activate your new credit card by calling the activation number provided with the card.

    • How do I enroll in paperless statements for my credit card?

      To enroll in paperless statements, log into online banking or the mobile app and update your statement preferences.

    • How do I initiate a balance transfer from a different credit card onto my KCU card?

      To do a balance transfer to your Kitsap Credit Union VISA card, we will issue a check to pay off your other credit account. You will need to provide the following information:

      • Transfer amount
      • Creditor’s name
      • Creditor's mailing address
      • Your account number

      To request a balance transfer, please contact us.

    • How do I lock or freeze my credit card if I suspect fraud?

      You can temporarily lock or freeze your credit card through Online Banking or the mobile app using Card Management tools.

    • How do I redeem cash back from my Visa Cash Back card?

      Redeeming your Cash Back is easy! Use the CashBackRewards.org website with your smartphone or computer to manage your cash back account wherever you are. Check your balance and start redeeming your cash today!

      To Redeem Your Cash Back:

      1. Go to CashBackRewards.org and click “Register” on the top right.

      2. Enter your information, create a user name, agree to the program Terms and Conditions, and then redeem!

      Cash redemptions will be deposited into your Kitsap Credit Union Savings account within 5-7 business days.

       

    • How do I redeem points from my Visa Rewards card?

      Redeeming your Visa Rewards points in your online or mobile banking account. 

      In online banking, click the "Cards and Rewards," then “Better Together Rewards” tab at the top.

      In mobile banking, select "Cards and Rewards," then “Better Together Rewards” in the "More" menu.

      You'll be asked to confirm your email address the first time you visit the site. 

      Points can be redeemed for merchandise, gift cards, and even cash back! Happy redeeming!

    • How do I report a fraudulent transaction on my credit card?

      If you see an unauthorized transaction, report it immediately through your online banking portal or by calling customer service.

    • What are the different ways I can make a credit card payment?

      You can make payments online, via mobile banking, through a branch, by phone, or by mailing a check.

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

      You can report your card, whether it's a debit or credit card, lost/stolen anytime in Online Banking or on the Mobile App by logging into your account. 

      In online banking, select Cards and Rewards, then Card Management in the Additional Services tab. 

      In the mobile app, select Cards and Rewards, then Card Management in the More menu.

      If there has been any fraudulent transactions, contact us or complete a fraud report. The fraud report is located in online banking within the Other Services box when viewing your account history.

      Still need help? Give us a call at 1.800.422.5852. (24 hours a day) We will review recent transactions with you to make sure no fraudulent transactions have happened and can issue you a replacement card.

      You can also pick up a replacement card by visiting one of our branch locations. Please see our current Rate & Fee Schedule for the current fee for replacement cards.

      Don’t have online banking yet?

    • What happens if I miss a credit card payment?

      Missing a payment may result in late fees and a negative impact on your credit score. Contact us as soon as possible if you anticipate difficulty making a payment.

    • What happens if I pay more than my minimum payment?

      Paying more than your minimum payment reduces your balance faster and decreases the amount of interest you pay over time.

    • What is the difference between a charge card and a credit card?

      A charge card requires full payment of the balance each month, while a credit card allows you to carry a balance with interest charges.

    • What should I do if my credit card is lost or stolen?

      If your credit card is lost or stolen, report it immediately by contacting us or using your online banking app to lock the card.

    • What should I do if my credit card transaction is declined?

      If a transaction is declined, check your available credit, ensure your card information is correct, and contact us if needed.

    • What types of credit cards do you offer?

      All of our Visa Credit Cards are designed with you in mind.  We offer three different types of credit cards so you can choose the one that fits your needs.

      For more information and to compare cards, visit our Visa Credit Cards page.

      All cards include:

      • Easy payment options! Simply transfer your payment from your KCU savings or checking. 
      • Purchase security
      • 25-Day grace period on purchases.
      • and more!

      Ready to get started? Visit our online application center and apply today!

    • Why did I receive a call from Fraud Prevention Center?

      Kitsap Credit Union provides all of our members’ fraud monitoring on card transactions. The fraud prevention system will call you from 1-877-902-4806 to verify transactions. If you missed a call, our team would like to review your recent transactions with you to ensure all the transactions were yours.

      Please contact us so we can review your account with you.