Does Credit Human offer Apple Pay, Samsung Pay or Android Pay for my credit or debit card?

Yes, Credit Human credit and debit cards work with Apple Pay, Samsung Pay and Android Pay.  Learn more about mobile wallets and how to get started.

How do I change my debit card PIN?

You may change your debit card PIN by calling toll-free 800-757-9848 from the phone number on your Credit Human account or by visiting any Credit Human location.

How do I request a balance transfer to my Credit Human credit card?

You may transfer high-rate credit card balances to your Credit Human credit card by completing a balance transfer request (PDF).

Mail the Completed Request Form To:
Credit Human Loans and Deposit Servicing
PO Box 1356
San Antonio, TX 78295-1356

How do I redeem my ScoreCard Rewards?

Points can be easily redeemed for rewards like airline tickets, travel packages and merchandise by visiting or by calling 855-483-5005.  For questions on ScoreCard Rewards call 800-854-0790. 

Where can I find more information on Mastercard SecureCode?

Mastercard® SecureCode helps guard against unauthorized use of your Mastercard credit or debit card while shopping online at participating merchants.  MasterCard SecureCode performs an extra authentication step to protect your account from unauthorized users online.

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Where can I find more information on the Verified by Visa Service?

Verified by Visa adds an extra layer of security to make it harder for someone else to use your Visa card to shop online in the unfortunate event your Visa card or account number is lost or stolen. 


What do I do if my Credit Human debit or credit card is lost or stolen?

If your Credit Human debit or credit card is lost or stolen, call our hotlines 24 hours a day, 7 days a week.

For Credit Human Debit Cards:
Toll Free: 800-472-3272
Toll Free: 800-688-7228 (during business hours)
San Antonio: 210-258-1234 (during business hours)

For Credit Human Credit Cards:
Toll Free: 866-839-3485

How does Credit Human deal with debit or credit card fraud?

We monitor debit and credit card activity in order to reduce the risk of fraud and protect our members. In the event of unusual card activity, Credit Human may block transactions in foreign countries and/or within the United States.

Even in blocked countries or within certain merchant categories, Credit Human members may be able to use their debit cards when conducting transaction with a PIN.

Credit Human members with credit cards may receive text messages and/or emails to confirm transactions if suspicious activity is suspected on their card.  We will only ask you to verify if you made the purchase(s) or not; we will never ask for account or personal information.

What do I need to know about travel and my Credit Human debit or credit card?

If you plan to use your card while traveling, contact our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 before you go. Providing us with your travel dates and destinations will allow us to maximize fraud protection and minimize inconvenience.

What if my debit or credit card transaction is declined?

In the event a transaction is declined or to learn more about fraud protection, call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228.

If you recently received a new debit or credit card, please activate it upon receipt following the instructions provided to avoid disruptions in using your card. Your old card will automatically be deactivated in approximately two weeks or as soon as you activate your new card, whichever occurs first.

How can I get a new or replacement Credit Human debit card?

Credit Human provides a free Credit Human debit card with any Credit Human checking or savings account. You get easy access to your funds through our network of ATMs in the San Antonio and Houston areas, and with millions of Mastercard® merchants worldwide.  To request a new or replacement card call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 or visit any Credit Human location.

How do I apply for a Credit Human credit card, and what are my choices?

Credit Human offers great no annual fee credit card options. No matter which card you prefer, complete our easy online application. Choose our Rate Preferred Visa®, our Rewards Preferred Mastercard®, or our Spurs Rewards Mastercard® option. When you apply for a Credit Human Mastercard®, you can earn bonus points or choose cash back with our rewards program.

Where can I find more information about my Credit Human Mastercard benefits?

Your Credit Human Mastercard® includes great benefits like price protection and extended warranty services.  View the Mastercard Guide to Benefits for full details.

What if I received an alert about my credit card account?

We continue to enhance our services to reduce potential fraud on your Credit Human credit card. You’ll be alerted in up to three ways if there is suspicious activity on your credit card. This allows you to deny fraudulent activity before it’s applied to your card.
  • Text:  You’ll receive a text asking if the transaction is yours. Simply reply “yes” or “no.” Members with cell service through AT&T, Verizon, Sprint or T-Mobile will not be charged text message or data rates. You can opt-out of the text messages at any time.
  • Phone:  If you don’t reply to the text within 30 minutes, you’ll receive a phone call.  
  • Email:  If you don’t answer the phone call, you’ll receive an email about the suspicious transaction(s).
If you reply that the transaction is not yours, you’ll then receive a call from a fraud specialist. This three-step approach helps ensure that suspicious activity is addressed quickly so the fraud is stopped as soon as possible.
Note:  Throughout this process, you will not be asked for personal or account information by the fraud specialist or through text or email.
Keep your Credit Human contact information up-to-date to make sure we can reach you. To review and update your contact information log into your online banking account, select “Settings” at the top of the page, and update your records as needed.