Our Visa Credit Cards keep your best interest in mind.

SF Fire Credit Union Platinum Visa Credit Card

Our credit cards are EMV chip-enabled. (If you are an existing cardholder and have not yet activated your reissued card which is chip-enabled, please do so immediately.) EMV stands for Europay, MasterCard and Visa. This has become the global standard for cards and offers a more secure transaction.

Chip-Enabled Credit Cards

Our credit cards feature a microchip in addition to the magnetic stripe that is currently used by merchants when you perform transactions at terminals. The microchip technology improves the security and global usability of your card.

How They Work

Chip-enabled cards contain encrypted information that make it difficult for the card to be counterfeited. At merchants using chip card terminals, the card and terminal work together to add an additional layer of security to the transaction.

We’ve prepared a list of frequently asked questions about our new chip-enabled cards. As always, if you have any questions or concerns, simply contact us via Web Chat, by phone, or at one of our branches!


Will my chip card still feature a magnetic stripe for use where there are no chip-reading terminals?

Yes, your card will feature both a chip and a magnetic stripe. If you use it with a merchant that’s not chip-enabled, it will be able to work just as it does today as a “swipe” transaction using the magnetic stripe.

Will my chip credit card be a “contactless" card?

While our card will feature chip technology, it does not have contactless capabilities.

Could someone steal my credit card information just by walking past me with a special electronic device?

No. The chip only works with physical contact to a a chip reader, and there are additional layers of security and encryption that make chip cards a more secure solution than traditional magnetic stripe cards.

How do I know if the terminal at a merchant is a chip card terminal?

At the bottom of the card processing terminal, there will be a slot where you would insert your chip card. If the terminal is chip-enabled, the merchant will use on-screen prompts to ask that you process payment through the chip reader.

When I use my chip card abroad for purchases will I be asked to provide a PIN?

If your current credit card features a PIN for cash advances, your new card will have the same PIN.

Can the chip-enabled card be used at unattended fuel pumps and automated ticket kiosks abroad?

Yes, as long as the terminal supports online PIN verification or, alternatively, is set up to accept transactions without a Customer Verification Method like a PIN.

Will it be possible to change the PIN used for chip-and-PIN transactions in branch or by phone?

Yes. You will be able to change the PIN for your credit card by calling us or visiting a branch location, just as we allow today.