CSE offers a VISA card featuring everything you need in a credit card without any of the gimmicks. These benefits include:

  • No annual fee

  • No balance transfer fee

  • A fixed 12.40% Annual Percentage Rate

  • Low late charges ($10 late charge instead of $30 or $40)

  • A 25-day minimum grace period

  • Automatic payment options

  • Free fraud protection

Fraud Protection

How Does It Work?

To help prevent fraudulent charges on your CSE Visa card, CSE uses a credit card fraud detection service center. This center reviews credit card purchases in “real” time at the point of purchase and compares these purchases to your usual spending patterns and known fraud trends to detect unusual activity. If a purchase seems out of the ordinary, authorization is submitted for fraud analysis. In some instances while you are at a merchant, valid purchases may be declined if the transactions appear suspicious.

When the Fraud Service Center Calls You

When we decline a transaction or suspect fraud, the fraud service center will attempt to contact you by phone on behalf of CSE. You will receive the following call:

 

“Hello. This message is for (your name). This is the fraud service center for your CSE Credit Union Visa credit card account. We are calling to verify recent activity that has appeared on your account. Please refer to (assigned case number) when returning our call. Please give us a call at 1-800-437-9392. We are available 24 hours a day, seven days a week. Again, the telephone number is 1-800-437-9392.  If you are traveling or reside outside of Canada or the US, you may call us collect at 727-227-2447.”

 

If you receive this message with the call-back phone number of 1-800-437-9392, you should immediately return the call to review potentially fraudulent charges. To verify your identity, you may be asked to provide personal information such as address, birth date or the last four digits of your social security number. You will NEVER be asked to provide your full social security number, Visa card number, account number, PIN or 3-digit security code found on the back of the card.

Updated Phone Numbers Needed

Remember that we need to have updated phone numbers to reach you – home, cell and work, if applicable. The fraud service center will try to call you on each phone number that you provide. If you cannot be reached, your card may be blocked from further activity until we can discuss the situation with you.

When You are Traveling

If you plan to travel out of the country or even out of the state and want to avoid reviews of your transactions by the fraud service center, notify the credit union of your travel plans. We will add that information to the monitoring during the period you are away.

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