Credit Card Services

Introducing our New SIR Visa Program
At SIR Federal Credit Union we offer a low fixed rate of 8.9% – 11.9% (depending on your credit worthiness) with free ScoreCard Rewards! There are no Annual, Balance Transfer, Credit Cards Processor or Merchant Cash Advance Fees and we process your application in house.  With the new SIR Visa you have the flexibility of making payments online, by mail or at our branches!  So what are you waiting for? Get started now by clicking on the fillable application below.  Complete, print, sign and return it to one of our branches!

Click here for more information on our Visa Credit Card Rates

Click here for a Visa Credit Card Application

ScoreCard Rewards for SIR Visa Cards
All credit card users are automatically enrolled in the ScoreCard Rewards Program. ScoreMore is a merchant services network of recognized national, regional and local retailers, who offer cardholders added incentives to use your card by awarding you additional bonus points for qualifying transactions.

• Earn points when you use your SIR Visa for purchases.
• Earn one point for every $1 in net purchases.
• Redeem points for travel, merchandise, gift cards and more.

For more information, visit www.scorecardrewards.com

Call 1-800-854-0790 for ScoreCard brochures, points available and point redemption by phone.

Balance Transfers
The new SIR Visa has a low fixed rate and NO Balance Transfer fees. If you wish SIR Federal Credit Union to pay all or part of an existing balance(s) on a credit/charge card(s) please download and complete the form below:

Click here to download the SIR Balance Transfer Form

Free Annual Credit Report
Get your free credit report. The Fair and Accurate Credit Transactions Act (FACT Act), signed into law on December 1, 2003, provides all Americans the right to check their credit report once every year for free.

We urge you to order your free annual credit report. Check it for errors and follow the tips listed below to improve your overall credit rating:

• Pay your bills and loans on time.
• Keep your overall debt as low as possible.
• Keep a handle on credit cards. Too many cards or high revolving balances are red flags to lenders and can reduce your overall credit score.

If you would like assistance interpreting your credit report, please order a copy and visit any loan officer at SIR. We will be happy to review it with you and answer any questions.

There are three ways to request your free annual credit report:

• Online at www.annualcreditreport.com.
• By calling toll-free 1-877-322-8228
• By mailing your request to:
  Annual Credit Report Request Service
  PO Box 105281
  Atlanta, GA 30348-5281

Safety Tips When Using Credit and Debit Cards

• Sign the back of a new card as soon as you get it. If you don’t, a thief could sign it for you – and use it.
• NEVER give your account number over the phone unless you initiated the call.
• Do not respond to high-pressure sales tactics until you have had enough time to make a careful and informed decision.
• Memorize your Personal Identification Number (PIN). Don’t write it down in your wallet or on the back of the card.
• If someone calls you claiming to be a bank representative and asks for your PIN number, don’t give it to them. Report it to us immediately.
• Be careful! Mail and telephone solicitations may not all be legitimate. Be careful concerning offers, which sound too good to be true, and never give callers your card number over the phone or by the mail unless you want them to charge your account.
• Never leave your cards unattended – at work, at your sports club, in a shop or in a doctor’s office.
  Always check your card when you get it back in a store or restaurant. It’s easy for you to forget your card when you’re in a hurry. It’s easy for waiters or sales people to give you the wrong card when they are in a hurry.

More Safety Tips When Using Your Credit and Debit Cards:

• Keep your sales slips and check them off against your monthly statement to make sure no one else has used your card, or your sales draft wasn’t altered by a dishonest merchant.
• Know when your credit card statement is due and contact us immediately if you do not receive it on time.
• Destroy your billing statement before you discard it to prevent your account information from falling into the wrong hands.
• Report any errors or unknown charges immediately.
• Always take your charge slips and destroy the carbons if present.

Lost or Stolen Visa Cards

Please report your lost or stolen Visa card to 1-800-828-3901. We are available Monday through Friday 9 a.m. to 5 p.m. EST. For after hours and holidays please call 1-800-991-4961.

Visa Card Help

For technical help with your SIR Visa card, please call a customer service representative at 1-800-828-3901, or an EZ Card assistant at 1-866-604-0380.