|
In 2006, a reported $98.7 million* was lost to credit card fraud. Justice FCU takes your credit card safety very seriously. Please refer to the information on this page to ensure that your credit card information is safe and secure.
*Source: America's Credit Union Conference and Expo
Back to Top
Verified by VISA
Verified by VISA provides an added layer of security for protecting your confidential card information when you make online purchases. There is no charge for enrollment.
Back to Top
Enhanced Security
Justice FCU might be calling you.
We recommend that you provide your cell phone number as your primary phone number on your Justice FCU Visa credit card account for ease in contacting you.
We use state of-the-art technology to help prevent credit card fraud. Based on previous card usage, if your Justice FCU Visa Credit Card purchase looks suspicious, we'll try to contact you to verify if its rightful owner used the card - or if the account has fallen into the wrong hands. If the account is being used fraudulently, we can minimize additional activity from occurring.
What to Expect
In order to verify your identity, a fraud investigator may ask you to verify the following information:
| • |
Social Security Number (Last 4 numbers only) |
| • |
Month and year of birth |
| • |
Zip Code |
| • |
Other cardholder name (if other cardholders are listed) |
| • |
Mother’s maiden name |
| • |
Last Payment amount |
| • |
A question requiring you to provide information on a previous transaction or action on your account. Examples would include providing the merchant name from a transaction, dollar amount of large transaction, or merchant name from a unique transaction. |
If you are not available to receive the fraud investigation call, you will receive instructions to call either 1-888-918-7313 or 727-299-2449 to verify the information.
As an added layer of fraud protection you may receive a second phone call if the suspicious activity is PIN related. The caller will identify themselves as The Fraud Department. If you are not available to receive the fraud investigation call you will receive instructions to call 888.685.2265 to verify the information.
So, if you receive a call asking about purchases made with your Justice Federal Credit Union Visa, please take a moment to talk to our fraud investigator to verify your credit card activity. We care about your account security.
Back to Top
Simple Steps to Avoid Credit Card Fraud
| • |
Ensure that your Credit Card Company has up to date contact information so that they can contact you in case of suspicious activity. |
| • |
Review credit card statements regularly and notify your credit card company immediately of any suspicious activity. |
| • |
Notify your credit card company if you do not receive your credit card statement. |
| • |
Shred all pre-approved credit card applications and other documents that contain credit card information prior to throwing away. |
| • |
Order a copy of your credit report from the three credit reporting agencies every year. Make sure it’s accurate and includes only
those activities you’ve authorized. Report any unauthorized activity immediately.
|
Back to Top
Why It's Important To Review Your Credit Report Annually
| • |
Information contained in your credit report is used to determine whether you will qualify for a loan and it affects your interest rate |
| • |
To make sure the information is accurate, up-to-date, and complete
before you apply for a major purchase such as a car or house. |
| • |
To help protect against identity theft |
Back to Top
Important Travel Notice:
Prior to traveling outside of your normal area of card use, be it domestic or foreign, please call Justice FCU at least 48 hours in advance at 800.550.5328 to let us know the dates and location(s) you will be visiting. We will place a memo on your account, which will prevent your VISA Debit and Visa Credit Cards from possibly being blocked due to unusual activity in those locations.
Blocked Countries
Periodically events take place, which cause Justice FCU to block certain merchants and even entire countries. The following merchants are currently blocked:
Japan: grocery stores and supermarkets, taxicabs and limousines, hobby, toy, and game shops, and electronics
Malaysia: all merchants
Korea: all merchants
Although these merchants are currently blocked, this could change at any time. If you plan on traveling to these countries, Justice FCU can offer alternative methods to help you access your money.
International Travelers
Effective April 18, 2009, Visa International ATM providers are permitted to impose an access fee on international ATM cash disbursement transactions. Visa cardholders traveling internationally “may” be charged an access fee on international ATM cash transactions. The amount of the access fee charged is at the discretion of the Visa International ATM provider.
Back to Top
Blocked Merchants
The following merchants have been blocked to all Justice FCU VISA Debit and Credit Cardholders:
gglprofit.com |
easysearch4cash.com |
fedgrantusa.com |
mygoogleoffer.com |
networkagenda.com |
|
Back to Top
Additional Resources
Back to Top |
