I found a small amount on my credit card going to an unknown company that I hadn't noticed had been automatically being paid for 7 months. I called the company but they "didn't know" how'd I'd gotten signed up for their service. So I went to the HFS FCU Visa website to dispute the charges. After not being contacted by an HFS FCU agent after almost a month of waiting, I called the number on the credit card web page. That went to the Hilo HFS FCU office who proceeded to tell me that they don't handle credit card disputes and that I needed to call the help number on the back of the card. When I spoke to the HFS FCU credit card agent, they told me they never look at the credit card web site or the disputes entered because they don't control the web site and that I should have called their number instead. The agent claimed that they were made aware of my disputes and that I should have received a form in the mail to write out my dispute. Since I hadn't received this supposed form that had been mailed, she would send me a new form, which would be mailed in 3 weeks. Why is there such obvious disconnect between the credit union and the credit card office? Why have a web site with services and phone numbers that don't work? Why would it take 3 weeks for me to get a form to dispute wrongful transactions. In this day and age, it should be a matter of days for something like this to get fixed. Very frustrated and vert disappointed with HFS FCU!

The HFS Visa is an awesome card. The application was kind of a bummer because I couldn't fill out the dates(birthdate, address and employment dates) on the application unless I was on a PC. Not even my laptop could get the date thing to work. Besides it being slightly difficult to fill out it was super fast and easy to do. Also paying from your account on Online Banking is super convenient as is requesting for a credit limit increase.

I've had my HFS Visa for almost 15 years now and I am happy I applied all those years ago. With low rates that make payments manageable on a mediocre income and an understanding staff, it's incredible. My husband and I were able to keep a rock steady credit score during and after our home foreclosure in 2010 simply because we were able to make the affordable payments on this NO APR Visa. Thank you HFS for keeping us afloat just with this card and the wonderful supporting staff!

The card works well enough, but we can't manage our account online anymore--set up autopay, check our balance, see our transactions. Hopefully we get this feature soon--or even better --mobile credit card management (we need an app for that)

Rates are good, customer service is good. You only get one card, even if the spouse/partners name is on the statement. No more scorecard reward points after July 2015

I love my low interest Visa card EZ to use excepted every were I been every in Alaska .

I got a personal loan and i am a happy camper...thanks Melanie

I just got my visa card very low intrest rate , very happy cant wait to use it slowly.

I just applied in the morning by afternoon was approved , and service is excellent

Easy to use, online set-up was quick and efficient. The agents have all been helpful!

Its simple and easy to use. again customer service is great.

For those who carry credit card debt, this may be a good choice, but when ads leave out important details and offer no simple way to learn, then I vote "poor".