Frequently Asked Questions
Call 855.887.3944 and select "Activate Card".
We offer several options to check your credit card activity:
- Your Orlando Credit Union credit card will appear in Online Banking in the "Account Access" menu under "Loans". Detailed transaction history will be available.
- Use Mobile Banking to view your latest credit card transactions on the go. Credit card history will appear under "My Accounts". Simply select your Visa Platinum Credit Card.
- Use the OCU Card Manager app to view transactions under "Transactions" for the card.
- You can also access your credit card history via our Phone Banking system. Dial 407.835.3500 or 800.953.4567, option 2. Your credit card transactions can be accessed under the loan history.
To receive electronic statements, you'll need to opt in to the eStatements program via online banking.
- Transfer funds from your Orlando Credit Union Checking or Savings account to your credit card in online banking. Select from a one-time payment or set up recurring payments. One-time payments will be credited to your credit card balance instantly, which will immediately update your credit limit.
- Use Loan Pay from your Online Banking or Mobile App to make a payment.
- External transfers in Online Banking allows you to transfer funds from your account at another financial institution to your Orlando Credit Union Savings or Checking account. You can then transfer the funds from your Savings or Checking account to your Orlando Credit Union credit card.
- Mail in your payment and address it to: Orlando Credit Union, 945 South Orange Avenue, Orlando, FL 32806.
- Stop by any of our Central Florida locations.
Your credit card payment is due on the 25th of every month.
Were you hoping to pay ahead on your credit card? It is important to understand that a credit card payment has a due date at the end of each month. What this means to you is any payment made within a month will be credited in that month.
For example: The current balance on your credit card is $500. You make a payment of $400 on January 15. The payment will be applied to the January billing cycle. If you make another payment of $100 on January 25, that payment will also be applied to the January billing cycle. To make a payment for the February billing cycle, you would need to wait until February 1.
To ensure that you receive the proper payoff amount, please contact us at 407.835.3500 or 800.953.4567 or visit one of our Central Florida locations.
Note: The balance due on your credit card statement or in online banking may not reflect the payoff amount if you do not pay your balance in full each month.
Please notify us immediately by calling 855.887.3944. If you are using the OCU Card Manager app, you should lock the card in the Card Controls section.
If you suspect your credit card was fraudulently used or compromised, please call 407.835.3500 or 800.953.4567, option 3. If you are using the OCU Card Manager app, you should lock the card in the Card Controls section.
If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:
- Double-check your receipts and check with other authorized users of your card or those who have access to your card, such as children.
- Contact the merchant where the purchase originated.
- If you are unable to resolve your dispute with the merchant, please contact us at 407.835.3500 or 800.953.4567, option 3 or visit your nearest Orlando Credit Union office.
Visit any Orlando Credit Union location and a Member Service Representative can assist you. Simply provide us the name, address and phone number of the creditor, the name on the account, the account number and the amount to be transferred. Enjoy no balance transfer fee as well!
Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call 407.835.3500 or 800.953.4567, option 1 or visit your nearest Orlando Credit Union office.
When traveling, we strongly recommend that you call us at 800.953.4567 or set a travel notice in the OCU Card Manager app prior to your departure. We employ strict fraud protection measures to help prevent your account from being compromised. For more travel tips, please visit our page on Using Your Credit Card Abroad.
You can locate your credit card statement balance at any time if you are enrolled in eStatements for online banking. eStatements are not available in mobile banking.
