1 An international transaction is any transaction where the issuer’s country (i.e., the card-issuing financial institution’s country) is different than the merchant’s country. Thus, a transaction over the Internet could qualify as an international transaction.
C.A.H.P. Credit Union partners with Visa for your extra security. Protect your Visa card online with a personal password.
Visa provides reassurance that only you can use your Visa card online. The service is FREE to Visa cardholders. You’ll have the added assurance that your Visa card is safer when you shop at participating online stores. Look for the new Verified by Visa symbol; it’s your way of knowing that you are shopping with an additional layer of security.
Understand Your Credit
Check your Credit Report(s) annually: http://www.ftc.gov/freereports
Travel Securely
C.A.H.P. Credit Union takes the security of our members’ accounts very seriously. For this reason, in today’s global environment of increasing plastic fraud, we are taking the necessary fraud and loss measures to protect our membership.
CAHPCU utilizes a comprehensive fraud monitoring service that evaluates normal card use. Overseas or out-of-state purchases are generally deemed suspicious and the fraud monitoring program will try to contact the member for verification of the transactions. If the members are not available due to their travels the program may block their cards in an effort to protect members from fraudulent charges.
If you are traveling abroad and planning on using your CAHPCU Visa Credit Card, we recommend that you notify us of the dates of travel and the countries that you will be visiting, plus a cell phone number if possible. This allows us to notate your account and work with the fraud monitoring services to help ensure you have access to your funds. This is as simple as phoning the Credit Union at 800.542.2247.
Travel Note:
The United States Department of the Treasury’s Office of Foreign Asset Control (OFAC) requires financial institutions to monitor, decline and report transaction activity for countries against which the United States has imposed financial sanctions. Effective December 9, 2008, transaction activity may be denied from OFAC countries that have financial sanctions. These countries are listed in the table below:
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|
Country
|
| Balkans |
| Belarus |
| Burma |
| Cote d'Ivoire (Ivory Coast) |
| Cuba Sanctions |
| Democratic Republic of the Congo |
| Iran |
| Iraq |
| Former Liberian Regime of Charles Taylor |
| North Korea |
| Sudan |
| Syria |
| Zimbabwe |
Internet Crime Complaint Center (IC3)
The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA).
IC3's mission is to serve as a vehicle to receive, develop, and refer criminal complaints regarding the rapidly expanding arena of cyber crime. The IC3 gives the victims of cyber crime a convenient and easy-to-use reporting mechanism that alerts authorities of suspected criminal or civil violations. For law enforcement and regulatory agencies at the federal, state, local and international level, IC3 provides a central referral mechanism for complaints involving Internet related crimes.
For a prompt answer on a loan from CAHPCU, apply online through @ccess-24 Home Banking.