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Traveling with an HCU VISA card?

Are you taking a vacation soon? Whether traveling in the USA or going out of the country please be sure to notify Heartland Credit Union's VISA Card Department of your plans and ensure we have your cell phone numbers.

Three important reasons why:

FRAUD MONITORING - HCU has fraud monitoring in place on both VISA Credit and Debit cards. This is a free service to you as an HCU cardholder. Card Services Fraud Monitoring will detect any unusual activity and then will try to contact you. Transactions taking place out of your normal area could prompt a phone call. Thus the need for updated phone and cell phone numbers.

BLOCKED COUNTRIES - There are several countries that are currently blocked; your card will not work in those countries unless prior arrangements have been made. The blocked countries list can change frequently, so please call us for an updated list.  Countries are blocked in order to protect your HCU account from fraud.

If you are traveling to a blocked country, you can have the country temporarily unblocked by calling our card services and providing the following:

  1. Travel Dates
  2. Locations
  3. Any additional contact information that we may use. (ex. Cell phone number or email address)

RESTRICTED STATES - From time to time, certain states have restrictions on card use due to higher levels of fraud in their area.  If traveling out of state, you may contact our card center for a current list of states and their restrictions.

Keep in mind:

  • Card Services Fraud Monitoring already knows your card information.
  • Card Services Fraud Monitoring will never try to sell you anything.
  • Card Services Fraud Monitoring representatives can only handle flagged transactions; but they can block your card at your request.
  • Card Services Fraud Monitoring cannot assist with card limits or other situations; you will need to contact HCU directly.

There are also other ways to help HCU better protect you and your credit:

  • Ensure that your correct phone number is on your HCU member account.
  • Provide cell phone numbers to HCU as backup numbers.
  • Notify HCU when traveling in USA or internationally.
  • Notify HCU prior to out-of-the-ordinary purchase; like LARGE purchases from an online business.
  • Never give a caller your full card number and information if you are unsure of their connection to Heartland Credit Union.

 

Heartland Credit Union Visa® credit cards were created with our members in mind

We offer the best credit cards around. Period. Want low rates? Try the Express Visa. Rewards for every purchase? The Diamond Awards Visa is up your alley. How about cash back? The Platinum Cash Back Visa gives you that, and then some.

Great rates, better service

The best thing about our Visa credit cards? They’re backed by local service. We operate our own Visa program. This means that you can walk into any branch or call the Phone Center in Hutchinson and receive impeccable service because we believe that you shouldn’t have to sacrifice service to have a credit card.

Find your next card

Compare the HCU Visa credit cards below and find the one that fits you. Then click the “Apply Now” button under your card to get started.

Orange-DotDiamond Awards   Orange-DotPlatinum Cash Back   Orange-DotExpress     Orange-DotBlue Dragon Platinum

   Quick Comparison Tool: Choose the cards you'd like to compare:

 Diamond Awards VISA  Platinum Cash Back VISA  Express VISA  Blue Dragon Platinum VISA
  Diamond Awards Visa Credit Card Platinum Visa Credit Card HCU Express Visa Credit Card HCU Blue-Dragon Visa Credit Card supports HCC
  Competitive rates. Points based for travel, gift certificates, or cash back. 1/2% back monthly on purchases, and a super low rate Lowest possible rate around, no rewards, no grace period Financially supports Hutchinson Community College athletics 
  Learn More Learn More Learn More  Learn More
Cash back monthly  N/a  .5%  N/a  .5%
Awards points for every purchase. Points are doubled for all gas and grocery purchases (up to $500 per month)  Yes!  N/a  N/a  N/a
APR -purchases
Tier 1
 11.9%  7.9%  5.9%  12.9%
APR -cash
advance Tier 1
 13.9%  9.9%  5.9%  14.9%
Cash advance
fees
 3%, min. $2  3%, min. $2  No!  3%, min. $2
Available
Card Images
 12+  12+  12+  1
28-day
grace period
(purchases)
 Yes!  Yes!  No!  Yes!
Special Offers Bonus 1,000 points/ mo. the first 3 mos. when you spend $1,000/mo.  N/a N/a N/a
 Apply Now  Apply Now  Apply Now  Apply Now

 

ALL HCU VISA credit cards feature:
 
  • Great LOCAL service
  • Cards instantly issued at any HCU branch
  • No annual fees and no setup fees
  • $0 fraud liability
  • Free $250,000 travel insurance
 
  • Free rental car insurance
  • Accepted worldwide
  • 10-day late payment grace period
  • Tiered rates based on credit worthiness
 Apply today for the HCU Visa Credit Card that's perfect for you!