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Harvard Federal Credit Union - Outside

Harvard Federal Credit Union

(72 reviews)

Harvard Square

I am having the same issue that another alum seemed to have: my request for a balance transfer was…read moreprocessed as a cash advance, and now they're charging me an outrageous interest rate every month, instead of the 0% APR I was promised over the phone. Calling customer service -- either "Cardholder Services" OR "Member Services" -- results in a loop of infinite runaround and promises of callbacks "within 1-2 business days"... that just never happen. Very disappinted !

It is unfortunate that a credit union bearing Harvard's name has such low quality customer service…read moreand credit card services. When their service representatives can't resolve an issue, they often resort to "someone will get back to you in 1-2 business days." I've had this happen to me several times and I have sometimes missed callbacks (other times I'm not sure if they actually called me back). This is very inconvenient and frustrating and should not be part of their standard business operation. Recently, I did a balance transfer online after speaking with a person on the phone to confirm the terms for balance transferring. When I received my statement two weeks later, I saw that they charged me additional interest on top of the transfer fee. They categorized the transfer as a "cash advance" and they are charging me the high monthly interest. When I called in, they agreed with me that this was an error but they could not resolve the issue. They, instead, directed me to their Member Services Dept and I was told that they would get back to me in 1-2 days... I would not recommend this card. Their customer service department is unpleasant to deal with. Their website is clunky... If they are serious about enhancing their company (as it seems they are trying to do from their efforts via newsletters and revamping their website), they need to focus on quality customer service and make having this alumni credit card meaningful and beneficial.

Citizens Bank - banks - Updated May 2026

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