What’s a contactless credit card and why should I use one?

A person making a purchase at check out with an OCCU NICE Visa contactless credit card.
« Return to Learn

The past few years have changed us all. When we go out into the world now, we’re more aware of certain things — like the quality of the air we breathe and the cleanliness of the surfaces we touch. We’ve learned that the fewer surfaces we come in contact with, the safer it is for everyone.

It’s no surprise, then, that contactless payments have increased 150% since March 2019. Contactless payments are the latest addition to the expanding menu of payment options available to today’s consumers. Not only are contactless transactions fast, easy and secure, but they can help you and your loved ones stay healthy and safe.

At OCCU, your safety means everything to us. That’s why we’re taking your credit card to the next level with touch-free payments. With your new contactless credit card, you’ll be able to breeze through checkout without ever touching the credit card machine.

If you’re unfamiliar with contactless payments — or you’ve heard of them but still have questions — here’s everything you need to know about your new OCCU contactless credit card.

What is a contactless credit card?

Your new credit card is embedded with a contactless chip that communicates with any payment machine where contactless payments are enabled. Although paying with a contactless card is sometimes called “tap to pay,” you don’t have to touch the machine at all. If your card is within two inches of the contactless symbol on the device, you can finish your transaction safely and securely.

How do I make contactless payments?

Making contactless payments is easy! Here’s how:

STEP 1: Look for the contactless symbol on any “tap to pay” or “contactless” signage near check out. When in doubt, ask the cashier.

STEP 2: Place your card within two inches of the contactless symbol on the credit card machine. It works best if your card is flat over the symbol, instead of at an angle.

STEP 3: Hold your card in place for one to two seconds, and you’re done!

Are contactless payments secure?

Your new contactless credit card will have the same proven security as your current credit card — we’d never accept anything less. In fact, contactless payments can help reduce the potential for fraud. Each time you use your contactless credit card, it generates a one-time code to protect your payment information and make it more difficult for scammers to use skimmed cardholder information for fraudulent purchases.

Even in the unlikely event that something goes wrong, you’ll still be protected from any unauthorized use with Visa’s Zero Liability Policy.

What if I accidentally pay for something?

With your contactless credit card, you can’t pay accidentally. Your card must be within two inches of the credit card machine for the transaction to complete. Even if you accidentally tap twice, you’ll only be billed once.

How do I upgrade to a contactless credit card?

You may have seen a new OCCU credit card mailed in early June. This new card provides you the capability to use contactless payments. Simply activate your new card and you’re set!

Can’t find your new credit card? You can call 855.755.6423 to get immediate assistance with your OCCU credit card. Since your new contactless credit card will have a new card number, you’ll need to update any recurring payments connected to your OCCU credit card with the new number.

How do I manage my contactless credit card?

To improve your digital banking experience, we’re also adding credit card management to MyOCCU Online & Mobile. Soon after you activate your new card, you’ll be able to access your OCCU credit card, checking and savings accounts all in one place!

You’ll need to set up your monthly automatic payments for your new credit card. You can quickly set up automatic payments in MyOCCU Online & Mobile, stop by your local branch or by calling 800.365.1111.

With a contactless credit card, using and managing your card will be easier and safer than ever. Ready to add a new OCCU contactless credit card to your wallet? Discover more here and consider applying for one today.