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State Credit Union's SCU Visa® credit card gives you an unbeatable combination of features on all cards, Classic, Gold and Platinum: * Low rates * No annual fee * Relationship Rewards points for every purchase * Free Identity Theft 911 resolution services * No transaction fee for cash advances * Minimal late fee * Travel accident insurance |
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Not a member of State Credit Union? Click here to learn how you can apply for our Visa credit card and membership at the same time. |
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SCU VISA CREDIT CARD PROGRAM AT A GLANCE
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CARD TYPE |
APR |
PAYMENT DUE DATE |
MINIMUM PAYMENT |
CREDIT LINE |
BENEFITS |
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PLATINUM |
8.9% |
17th - 20th of month |
2.5% of balance or $15 |
$7,500-$15,000 |
* No Annual Fee |
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GOLD |
10.9% |
5th - 8th of month |
2.5% of balance or $15 |
$2,500- $7,499 |
* No Annual Fee |
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CLASSIC & |
15.9% |
20th - 23rd of month |
2.5% of balance or $15 |
$100-$2,499
$300-$2,500 |
* No Annual Fee * Relationship Rewards Program |
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Please see additional rate and fee information below. |
Chart last updated 06/01/07 |
ALL SCU Visa cards are automatically enrolled in Relationship Rewards, a points-based program that lets you earn merchandise, travel benefits and even cash. For every purchase dollar you charge to your card, you earn one Rewards point. You can let the points accumulate (they're good for four years) and work toward a big-ticket reward, or you can redeem them as soon as you reach an award level.
Learn more about how to earn and redeem points here.
Click here for a Cash Points Redemption Request form
Click here for a faxable SCU Visa application.
Shopping with Visa is safe. Use your Visa card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. Your liability for unauthorized transactions is $0 under Visa's Zero Liability policy when reported in a timely manner. For even greater security while shopping online, you should enroll in Verified by Visa, a password based security program that prevents anyone but you from using your card online.
Click here to register for Verified by Visa and you will be taken to the Verified by Visa Web site in a new window.
VIEWING YOUR SCU VISA ACCOUNT ONLINE
There are two ways to view your Visa account online. SCU Online is our free online banking service that shows your balance, credit available, history, minimum payment and due date, Relationship Rewards points and lets you make payments by transfer from another SCU account.
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Existing SCU Online users login here |
New to SCU Online? Learn more here; sign up below. |
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Logging into SCU Online signifies agreement with SCU's EFT Agreement and Disclosure |
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You can also view your Visa through a separate secure credit card access Web site. This site shows similar information and will allow you to schedule a payment to your SCU Visa card from a checking account at State Credit Union or another financial institution. You will need to register the first time you visit and the site also uses a security procedure called multi-factor authentication. It involves creating a set of questions and pre-selected answers to establish that it is really you who is logging in. You may also be asked to select an image that you can use to recognize that the Web site is authentic.
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Read more about the View Your Visa multi-factor authentication process. (PDF document - Requires Acrobat Reader) |
Access your SCU VISA account online now |
MAKE LIFE EASIER.
If you've had trouble getting a credit card due to less than perfect credit, life is harder than it needs to be. Now, getting a Visa Classic credit card is guaranteed when you secure it with all or part of your IRS tax refund or other funds.
Simply set aside $300 to $2500 in an SCU Savings account as security protecting your credit line. We'll hold the funds as a guarantee and issue your Visa credit card in the same amount. Your card will have the same benefits, rates, fees and terms of our regular Classic Visa card. Every purchase earns Relationship Rewards points, redeemable for travel, merchandise, gift cards and CASH. You also gain automatic insurance coverage for certain usage and identity theft services from Identity Theft 911.
Learn more about benefits, rates and fees here.
RATES AND FEES
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VISA Platinum |
8.9%* | FOR PURCHASES AND CASH ADVANCES | |
| VISA Gold | 10.9%* | ||
| VISA Classic & Secured | 15.9%* | ||
| Grace Period for Repayment of Balance for Purchases | You have 25 days to repay your balance for purchases before incurring a finance charge. Grace period does not apply to convenience check purchases and cash advances, which accrue finance charges from the date of transaction. | ||
| Method of Computing the Balance for Purchases and Cash Advances | Average daily balance (including new purchases or advances) | ||
| Annual Fee | None. | ||
| Minimum Finance Charge | None. | ||
| Transaction Fee for Cash Advances, Late Payment and Over Limit Fees |
Transaction Fee for Cash Advances: None Late Payment Fee: $6.20 Over Limit Fee: $10.00 |
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*SCU will increase the APR on your credit card whenever you become 30 days past due. We will increase your APR by 3% from your current rate on the first day of the billing cycle that was 30 days past due. The new APR will remain in effect until your account is current for three consecutive months. Refer to the Truth & Savings Rate & Fee Schedule for other fees that may apply. Disclosures are correct as of the publishing date, May 2007. Terms and fees subject to change. Contact the credit union at 803-343-0300 or 1-800-868-8740, or write us at: State Credit Union, PO Box 726, Columbia, SC 29202, or at info@scscu.com.
SC State Credit Union, PO Box 726, Columbia, SC 29202 | 800 Huger Street, Columbia, SC 29201
800-868-8740 803-343-0300
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Savings federally insured to at least $100,000 by the National Credit Union Administration, an agency of the U.S. Government. |
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. |
