Call the Credit and Collection Section at 786-469-5200, Monday to Friday, from 8 a.m. Debt becomes problematic when a person fails to use credit wisely and can't or won't make their payments on time.Payments can be made with Visa, Discover, Master Card or American Express. You can also request to be placed on a payment plan. Connect with us via our Contact Center, which is available to take your calls Monday - Friday from am - pm and Saturday from am - pm. Experience personalized banking at Tropical Financial Credit Union.