Visa® Questions

If I want to dispute an item on my Visa bill, how do I go about doing so?

All disputes must be sent in writing to Customer Service, PO BOX 9217, Des Moines, IA 50306-9217. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem occurred. Please include the following information on the dispute form:

1. Your name and account number
2. Dollar amount of suspected error
3. Description of the error and, if possible, an explanation of why you believe the error occurred

What is the mailing address for my Visa payment?

Please mail your payment to MITFCU, PO Box 9217, Des Moines, IA 50306-9217.

How do I find out the balance or available credit on my Visa account?

This information is available 24 hours a day, 7 days a week online at

I've lost my Visa card. What should I do?

Please report this immediately by calling 866-570-1238, 24 hours a day, 7 days a week.

How do I activate my account?

When you receive your card, please call 888-691-8661 from your home phone. Once your card is activated, don’t forget to enroll in MyCardInfo for full online access.

My card has been lost/stolen, what should I do?

Please call 866-570-1238 immediately to report your lost card. Our customer service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.

I think I have fraud on my account, what should I do?
Please call 866-518-0213 immediately to report any fraud.

What is Verified by Visa and how do I register?

Verified by Visa is another layer of security Visa offers its members for online purchases. Please visit Visa’s website to register and for more information.

How can I get my credit limit increased?

Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call 617-253-2845 to request the additional amount or use this online form.

What is APR and how do I find my APR information?

APR is annual percentage rate, this is the amount of interest that is billed to your account for the convenience of carrying a balance. Please review your card agreement and welcome letter for complete APR details.

What is a line of credit?

This amount is listed on the card carrier, the letter that your card was glued to, in the upper right corner. You may also view your credit line and the balance remaining for purchases and cash advances on the Account Overview page once you have logged into MyCardInfo.

What is a minimum monthly payment?

This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 2% of the new balance but at least $25.00. If the new balance is less than $25.00, then the minimum payment would be equal to the new balance.

Who do I talk to if I need help understanding my credit card statement?

If you have questions regarding your statement or if you feel there is an error please contact our customer call center 866-518-0213.

I have a dispute on my credit card statement, what do I do?

If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps. First, double-check your receipts and check with other authorized users of your card. Second, contact the merchant where the purchase originated. Finally, if you are unable to resolve your dispute with the merchant, please complete and mail the appropriate dispute form to Dispute Department, PO Box 10409, Des Moines, IA 50306 or fax it to 515-457-2074. If you have any questions, please contact our customer call center 866-570-1238.

How does my credit union keep my personal information safe?

Your account safety is our primary concern. Please refer to our Privacy Policy for specific policies and information.

I am traveling internationally, can I use my credit card?

Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you call our customer call center 866-570-1238, prior to your departure as a fraud protection measure. When traveling internationally please use the direct dial number of 001-515-457-2082. The toll free number will not work outside the United States.

Can I add an additional user to my credit account?

Yes, please call an MITFCU representative at 617-253-2845. There is no fee for adding a secondary user.

How do I make a cash advance?
There are two convenient ways to get cash from your credit card. You can call 866-800-3148 to request a PIN and make withdrawals from any ATM or you can go to any Financial Institution that displays the Visa logo at the branch.





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