SECU provides comprehensive customer service for its Visa® credit and debit cardholders. This guide outlines the various ways to access support, including contact information, after-hours services, fraud reporting procedures, and details about Visa’s advanced security features like transaction alerts and 3D Secure.
Accessing SECU Customer Service for Visa Cards
Need assistance with your SECU Visa credit or debit card? SECU offers 24/7 support through various channels.
- Credit Card Support: For general credit card inquiries or to report a lost or stolen card, call 800-344-6501.
- Debit Card Support: For debit card assistance, dial 410-487-7328 or 800-879-7328. Full debit card service is available Monday through Friday, 8 a.m. to 7 p.m., and Saturday, 9 a.m. to 1 p.m. 24/7 support is available for after-hours emergencies.
- International Credit Card Emergencies: If you experience a credit card emergency while traveling outside the US, consult the Visa® Global Assistance toll-free directory.
SECU After-Hours Card Services
SECU provides essential debit card services even outside of regular business hours and on holidays. These services include:
- Reporting lost or stolen cards
- Card activation
- Placing temporary blocks on your card
- Addressing real-time declines due to fraud alerts
- Resolving NSF (non-sufficient funds) declines
- Verifying address information
Reporting SECU Visa Card Fraud and Disputes
- Credit Card Fraud: If you suspect fraudulent activity on your SECU Visa Credit Card, report it immediately by calling 800-344-6501. This line also handles merchant claims related to your Visa Credit Card.
- Debit Card Fraud: Contact SECU immediately at 410-487-7328 or 800-879-7328 to report suspected debit card fraud.
Enhancing Security with Visa Alerts and Controls
SECU offers Visa Purchase Alerts and Controls through its Online Banking platform. This service allows cardholders to set up customized alerts and manage their cards proactively.
Features include:
- Purchase Amount Threshold Alerts: Receive notifications when transactions exceed a specified amount.
- International Purchase Alerts: Get alerted for any transactions made outside your home country.
- Online and Phone Purchase Alerts: Receive notifications for purchases made online or over the phone.
- Spending Limits: Set daily or monthly spending limits to control your card usage.
- Card On/Off Functionality: Temporarily disable your card if lost or misplaced.
- Spending Insights: Monitor your spending patterns and track your transactions.
- Travel Notifications: Inform SECU of your travel plans to avoid unnecessary transaction blocks.
- PIN Management: Easily manage your debit card PIN.
Understanding 3D Secure for Online Transactions
SECU utilizes 3D Secure technology, which provides an extra layer of security for online transactions by requiring a one-time passcode (OTP).
Key Terms and Conditions:
- OTP Delivery: The OTP will be sent via SMS to the mobile phone number registered with SECU. This service is automatically enabled and does not require separate registration.
- Transaction Authorization: The OTP is required to complete online transactions at participating merchants.
- Confidentiality: Safeguard your OTP and card information. You are responsible for any transactions authorized with your OTP.
- Merchant Participation: 3D Secure only works with online merchants that support the technology. SECU is not responsible if a merchant declines your card due to failed OTP authentication.
- Data Rates: Standard message and data rates from your mobile carrier may apply.
By utilizing SECU’s customer service resources and understanding Visa’s security features, you can ensure a safe and convenient banking experience. Contact SECU today for any questions or assistance.
