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Submitting a credit card request counts as your membership application, too. Plus, you’ll get a new member bonus of 500 points, or $5.
Who Can Join?
Complete the form to apply for a Visa credit card.
Items with * are required.
If you select this box, complete the Co-applicant section (1) about your spouse if you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, or WI);
(2) about your spouse if they will use the loan account(s) requested; or (3) about the person on whose alimony, support or maintenance payments, or income or assets
you are relying if you are relying on such as the basis for repayment of the loan(s) requested.
Is this an application for a…
Income and Housing Costs
Co-Applicant Contact Information
Insurance and Payment Options
“You” or “your” means a person who is borrowing from the credit union. A co-signer is not eligible for coverage.
Credit insurance is voluntary and not required in order to obtain this loan. You may select any insurer of your choice.
You can get this insurance only if you are eligible for the coverage and check “yes” below to select coverage and sign your
name and write in the date. The rate you are charged for the insurance is subject to change. You will receive written notice
before any increase goes into effect. You have the right to stop this insurance by notifying your credit union in writing.
Your signature below means you agree that:
NOTE: THE INSURANCE CONTAINS CERTAIN BENEFIT MAXIMUMS, INCLUDING AN AGE MAXIMUM. THE INSURANCE ALSO CONTAINS CERTAIN BENEFIT EXCLUSIONS, INCLUDING A PRE-EXISTING CONDITION EXCLUSION.
YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S)
Group Policy Number: 039-0006-8
BY TYPING YOUR NAME(S) BELOW, YOU ACKNOWLEDGE THAT:
THE INSURANCE COVERAGE IS SUBJECT TO THE INSURANCE MAXIMUMS, INCLUDING THE AGE FOR INSURANCE TERMINATION, SHOWN ABOVE; AND
YOU WANT THE COVERAGE(S) SELECTED, EVEN IF THE INSURANCE WILL TERMINATE DUE TO ONE OR MORE OF THESE MAXIMUMS BEFORE YOUR LOAN IS PAID OFF; AND
YOUR CERTIFICATE WILL BE MAILED TO YOU. PLEASE REFER TO IT FOR DETAILS OF YOUR COVERAGE.
Automatic Credit Card Payment Options
Terms and Conditions
Please review the rates, disclosures, and terms and conditions here.
BY TYPING YOUR NAME(S)BELOW, YOU INDICATE THAT YOU UNDERSTAND AND AGREE TO ALL THE TERMS AND CONDITIONS DISCLOSED IN THIS APPLICATION.
I (we) agree that State Credit Union has the right to deduct any money I (we) owe for the minimum periodic payment past due or the entire
unpaid balance past due from my (our) account, including shares and deposits, or instruments I (we) have now or hereafter may have with your
credit union, except shares of deposits which may be held pursuant to an Individual Retirement Account. The statements herein are submitted for
the purpose of obtaining credit and are certified to be true, complete and accurate. I (we) expressly authorize the credit union to obtain any
information required concerning this application and to make periodic inquiries of others concerning the foregoing information and to provide,
periodically, information arising out of my (our) transactions with the credit union to others. Upon approval, applicant will receive disclosures
as required by the Federal Truth-in-Lending Act and a cardholder agreement. By initiating the first transaction, Cardholder agrees to the terms and
conditions of the agreement and that use and obligation for use of the cards shall be pursuant to those terms and conditions. Refer above for disclosure
of rates, fees and other information, as applicable. The undersigned hereby request a Visa card which also may be used for the purpose of accessing a
line of credit through available automated devices. Each of the undersigned applicant(s) acknowledge(s) and agrees(s) jointly and severally, to pay the
account, thereby applied for, in full. The undersigned also acknowledges that applicant(s) are either U.S. citizens or permanent resident aliens(s).
It is further understood that this application for credit remains the property of State Credit Union. State Credit Union is the trade name for S.C. State Federal Credit Union.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases or advances)."
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described in this application is accurate as of September 2012. This information may have changed after that date.
To find out what may have changed, call us at 803-343-0300 or 1-800-868-8740, or write us at:
State Credit Union, PO Box 726, Columbia, SC 29202, or visit www.scscu.com. Please refer to the Truth & Savings Rate & Fee Schedule for other fees that may apply.
The credit union will acquire a security interest in the property purchased with your credit card; and collateral securing other loans with us may also secure this account.
Also, you are giving us a security interest in your shares and other deposits in the credit union.