A 1% charge will be assessed for any transactions made in a foreign country. Visa^® International will convert foreign currency to US dollars using either the government-mandated exchange rate or the wholesale exchange rate in effect one day before the conversion date as applicable. See the Credit Card Agreement and Disclosures brochure sent with your card for more information. Please contact our Credit Card Department to request a new copy.

Once a transaction has been authorized on your card, we are not able to stop the charge from posting to your card. If you had set up a recurring charge on your credit card to pay for a service you wish to cancel, you should contact the company that is making the charge directly and request to cancel it.

In Case of Fraud
If you believe there is fraud on your card, call credit card customer service immediately to notify them of the fraud and have a new card issued. You can find the phone number on the back of your credit card or use the appropriate phone number listed below.

Signature (Cash Back Visa® Only): 855-340-8778
All other cards: 866-952-8199

In Case of Dispute If you were charged incorrectly for an item or service, you should contact the merchant directly to resolve the issue. If the merchant is unwilling or unable to resolve the issue, you can call 866-952-8199 or write a letter of dispute regarding the specific transaction. Your letter should include:

• Your name
• The date you are writing
• Your credit card account number
• The date and amount of the transaction
• The name of the merchant that processed the transaction
• Your signature

Mail your letter to the following address:
Cardholder Services
PO Box 183258
Columbus, OH 43218-3258

You must notify us of any error you're disputing within 60 days of the date that the first statement on which the charge appears was sent to you.