Credit/Debit

Visa Platinum Cards

Access your credit card account information and pay your bill: EZCardInfo.Com

ATTENTION: Credit Card payments can no-longer be processed at the Branch. Please enroll in EZCard, or use the two methods listed below to make your payment.

With so many different credit cards available today, there really is a difference when it comes to choosing a credit card company. A Central Jersey FCU Visa Platinum Credit Card is the perfect credit card solution for you. Our card offers low rates and NO ANNUAL FEES.

Our new Visa Platinum card comes with amazing cardholder benefits including:

• Higher Credit Limits (up to $20,000 with credit approval)
• a low introductory rate of 5.99% APR** for the first six (6) months on Balance Transfers.
• NO Balance Transfer Fee
• Rates as low as 9.99% APR**

^{**APR means annual percentage rate. The rate shown is an introductory rate that only remains in effect for six months. Upon the expiration of the introductory rate the APR will be between 9.99% -18% based on your credit. Loans are only available to credit union members. Membership in the credit union requires an initial deposit of five dollars. Subject to credit approval additional limitations, terms and conditions apply you will be given further information when you apply.”}

Additional payment methods:

Fraud Detection Service

In our continuing efforts to keep your accounts secure, we monitor activity for potential fraud connected to our debit/credit cards. From time to time, you may be contacted via automated call or SMS message to confirm your card activity. These communications will NEVER ask you for PIN data, full card number or full social security number data. This service is monitoring accounts for potential fraud 24 hours a day, seven days a week.

Visa Debit Cards

We offer a Free VISA Debit Card* to all members with an active checking account. With CJFCU’s Visa Debit Card you can:

 Pay for purchases directly out of your CJFCU checking account worldwide wherever VISA is accepted. Use your CJFCU Debit Card in place of writing a check for all your purchases.

Withdraw money from your savings or checking account at over 30,000 surcharge-free ATM’s with:

Let CJFCU know if you plan to make purchases outside of New Jersey!

For your protection, purchases made on your CJFCU Debit or Platinum Credit Card outside of New Jersey may be blocked to help prevent fraud. If you’re planning to leave the state, be sure to notify the credit union before you leave by calling 732.634.0600. Let us know when and where you will be going and we will add a travel message to your card account. This lets our fraud department know you are traveling when any “out of the usual” activity appears on your card to avoid any unnecessary card declines.

Fraud Detection Service

In our continuing efforts to keep your accounts secure, we monitor activity for potential fraud connected to our debit/credit cards. From time to time, you may be contacted via automated call or SMS message to confirm your card activity. These communications will NEVER ask you for PIN data, full card number or full social security number data. This service is monitoring accounts for potential fraud 24 hours a day, seven days a week.

Foreign Country Debit Card Blocks

Due to an increase in fraudulent foreign ATM and debit card transactions, CJFCU has blocked debit cards from being used in the following countries:

If you are planning on traveling to any of these countries, or are making any online purchases from these countries, please contact the credit union (in advance) during regular business hours at (732) 634-0600 to see if accommodations can be made for you.

Pay for purchases directly out of your CJFCU checking account worldwide wherever VISA is accepted. Use your CJFCU Debit Card in place of writing a check for all your purchases!

Contact the credit union at (732) 634-0600 and speak with a Member Service Representative to request your Visa Debit Card.

_{*CJFCU accounts must be in good standing. The card is the property of CJFCU. CJFCU has the right to cancel your card at any time with or without written notice to you. You may cancel your CJFCU card whenever you choose by returning the card to CJFCU.}

FAQ’s Visa Account Updater

What does VAU do?

VAU enables the electronic exchange of updated card information, including card number, expiration date changes and card closures, among participating merchants and CJFCU.

How does this benefit me?

If you have a recurring payment set up with a participating merchant your card information will be automatically updated when your renewal card is issued or a request for reissue is made. You will not have to call a participating merchant to update your information. You will not have any lapse in memberships or subscriptions due to outdated card information.

Does VUA provide cardholder name or address changes?

No. VAU supports:

• Card number and expiration date changes
• Card closure (lost/stolen or fraud)

What if I want to opt-out?

You will be able to opt out of VUA by completing a VUA opt out form and returning it to CJFCU. Once received, Opt out requests may take up to three (3) business days to complete. The form can be obtained by calling the Credit Union at 732-634-0600.

What if I get a new card number?

If you receive a new card number and want the card to be opted-out of VAU you will need to fill out a new opt-out form and return it to the credit union. Each card number needs a form.

Is there a list of Participating Merchants?

At this time Visa has not provided a list of participating merchants available to our cardholders. You will need to ask the merchant if the service is provided.