Visa® Advantage
Make low rates a priority
Want to pay less for using your credit card? Then make low rates a high priority! If you carry a balance on your credit card, our low-rate Visa® Advantage Credit Card has no annual fee, no balance transfer fee, and no foreign transaction fees. Plus, you can enjoy a 1.99% APR°on purchases and balance transfers for the first 12 months, then as low as 7.99% thereafter.
Low Introductory Rate
Get a low 1.99% APR on purchases and balance transfers for 12 months.° Even after the introductory period, you'll get a great low rate that will help you save on interest.
Save Money
Unlike other credit cards, a Jovia Visa® Advantage Card has no annual, balance transfer or foreign transaction fees.
Convenience
Use your Jovia Visa® Advantage Card to pay for purchases with Apple Pay, Samsung Pay, and Google Pay.
Security
Manage your spending and protect your card against fraud with Card Controls. Turn your cards on and off, block merchants and transactions, set a spending limit, and manage text and email alerts using Jovia’s Online and Mobile Banking
Low Introductory Rate
Get a low 1.99% APR on purchases and balance transfers for 12 months.° Even after the introductory period, you'll get a great low rate that will help you save on interest.
Save Money
Unlike other credit cards, a Jovia Visa® Advantage Card has no annual, balance transfer or foreign transaction fees.
Convenience
Use your Jovia Visa® Advantage Card to pay for purchases with Apple Pay, Samsung Pay, and Google Pay.
Security
Manage your spending and protect your card against fraud with Card Controls. Turn your cards on and off, block merchants and transactions, set a spending limit, and manage text and email alerts using Jovia’s Online and Mobile Banking
FAQs
- Select Credit Cards from the menu
- Navigate to Services > Balance Consolidation.
- To verify your identity, you'll be prompted to enter the last four digits of your Social Security Number and your five digit Zip Code.
On the Balance Consolidation screen, you will need the name of the payee or the name of the institution you would like to transfer balances from, their payment address and the account number you're transferring balances from.
Yes, you can! Our Visa® Credit and Debit cards can be used internationally anywhere Visa® is accepted. Just be sure to submit a travel notification prior to your trip.
Travel notifications can be placed through our Online Banking platform. Be sure to give us a few days notice so we can set up your account appropriately.
Travel notifications submitted Monday through Friday before 4:00pm will be processed that day.
To report a travel notification after 4:00pm weekdays, Saturday, Sunday and Holidays, please call the following numbers directly:
- Debit Cards: (866) 820-8793
- Credit Cards: (866) 820-3031
Travel dates cannot exceed one (1) year. You would need to notify the credit union annually to extend travel dates.
We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.
- Debit or Credit Card (DBT/POS) transaction
- Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us. Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.
- Unauthorized Withdrawal (ACH/non-debit or credit)
- If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.
- Was the fraudulent transaction a check? This would be a check that was stolen and signed by someone else other than the signors on the account. In this case, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.
- Documents must be received with 60 days of the item being presented to the account to receive provisional credit.
- When will I receive provisional credit? Upon receiving the proper documents by 10:30 am, the account will be credited by the end of that business day.