Fast FAQ

    Quick answers and support.

    The Credit Human Member Service Center is available to help you Monday-Friday 7 am to 7 pm and Saturday 9 am to 12 pm CT. Just call 210-258-1234 or toll free at 800-688-7228. If you need after hours help, check below for answers to frequently asked questions. To find a Credit Human location or ATM, try our online locator.

    Yes, Credit Human credit and debit cards work with Apple Pay, Samsung Pay and Google Pay.  Learn more about mobile wallets and how to get started.
    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.
    You may transfer high-rate balances by mail to your Credit Human credit card by printing and 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

    To complete a balance transfer electronically you may submit a request online via DocuSign PowerForm Signer.
    Learn various ways you can make a payment on your credit card by visiting the Ways to Pay page. For instructions on how to use our online banking platform to make a payment, visit our video tutorial page.
    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: 800-688-7228 (during business hours)
    San Antonio: 210-258-1234 (during business hours)
    Toll-Free: 888-297-3416 (within the U.S.) or 206-389-5200 (outside the U.S.)

    You can lock and unlock your card with the Card Controls feature in mobile or online banking. Select the Card Controls tab within the linked debit or credit account.
    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.

    Your security is important to us and we work relentlessly to protect you. Credit Human will never contact you asking you to disclose any security details related to your accounts, including your debit or credit card PIN or CVV (the 3-digit number on the back of your card). If you think your account(s) have been compromised, please contact us at 800-688-7228 or visit one of our locations for assistance.
    If you plan to use your card while traveling, you can submit travel notices in mobile or online banking by selecting Travel Notice from the menu options. Providing us with your travel dates and destinations will allow us to maximize fraud protection and minimize inconvenience.

    Alternately, you can contact our Member Service Center at 210-258-1234 or toll free at 800-688-7228 before you go.
    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.
    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.

    You can replace your card through mobile or online banking. Within the linked debit account select Request New Card from the More drop down menu. The new card will arrive within 7-10 business days to the address on the account. Please note that the current card will be immediately deactivated and the new card will be created with a different number. Recurring transactions may be moved to the new card number.
    Credit Human offers great no annual fee credit card options. No matter which card you prefer, complete our easy online application. Choose 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.
    Using your Credit Human Mastercard debit card is a faster, safer and more convenient way to pay. Your Credit Human Mastercard® includes great benefits like ID Theft Protection and Extended Warranty services. Mastercard ID Theft Protection™ comes with your Mastercard at no cost. To activate your ID Theft Protection benefits, visit and enter your card number to start the registration process. The benefit:
    • Monitors your credit file for changes that could indicate fraud, such as new credit inquiries, and address change or a new account opened in your name.
    • Sends alert notifications whenever suspicious activity is detected so that you can take immediate action to minimize potential damage.
    Extended Warranty Insurance doubles the time period and duplicates the coverage of the original manufacturers or US store brand warranty for a maximum of one year. View the Mastercard Guide to Benefits for full details about these and all other Mastercard Enhanced Debit Card Benefits.
    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 verify your contact information, log in to mobile or online banking and go to your Profile settings.