Consent for Optional Over-the-Credit-Limit Transaction Coverage

Due to Federal Government changes enacted by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act), we are required to decline any transaction(s) which exceeds your VisaÒ credit card limit – regardless of the amount – unless you have elected to “opt-in” for Over-the-Credit-Limit Transaction Coverage.

If you elect this coverage, we will authorize most transactions that cause you to go over your credit limit up to a certain amount.   However, we may charge you a fee if your outstanding balance is over your credit limit on the statement closing date.  In some cases, we may still decline a transaction that would cause you to go over your credit limit, such as if you are past due or significantly over your credit limit. 

You may “opt-in” or “opt-out” for Over-the-Credit-Limit Transaction Coverage at any time by:
•    Calling a Member Service Representative at: 727-586-4422 to have a form mailed to you.
•    Visiting your nearest PFCU branch.
•    Completing the Consent form for Optional Over-the-Credit-Limit Transaction Coverage.


You can fax the completed form to 727-585-2274 or mail it to PO Box 2300 - Largo, FL 33776-2300


***We are required to receive your response – regardless of your election (even if you are an existing member who has previously used Over-the-Limit Transaction Coverage). Failure to “opt-in” will result in transactions, which exceed your credit limit, being declined. ***



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