Credit Cards

Visa Application

Apply for our highly-rated credit card.

Not a member?
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.


Application Information

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…


Applicant Information

(Must be the primary member to apply)
(Limit 21 characters.)

Mailing Address


Contact Information


Employment Information


Income and Housing Costs

Include all income you would like considered, including rental property, child support, social security, retirement, and alimony.


Co-Applicant Information

(Limit 21 characters.)

Mailing Address


Co-Applicant Contact Information


Insurance and Payment Options


Credit Insurance

“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:

  • If you elect insurance, you authorize the credit union to add the charges for insurance to your loan each month.
  • You are eligible for disability insurance only if you are working for wages or profit 25 hours a week or more on the date of any advance. If you are not, that particular advance will not be insured until you return to work. If you are off work only because of temporary layoff, strike or vacation, but soon to resume, you will be considered at work.
  • You are eligible for insurance if you are not older than the maximum age for insurance.
  • You are insured only for advances actually received by you. You are not insured for any unused credit which may be available to you.

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)

Borrower #1
Borrower #2
Cost per $100 of
your monthly loan balance
Credit Disability
Credit Disability

Single: $.175  Joint: N/A
Credit Life
Credit Life

Single: $.050  Joint: $.080
* Credit Disability can be selected for either Borrower #1, or Borrower #2, but not both.
WAITING PERIOD: If you are totally disabled for more than 30 days, then the disability benefit will begin with the 1st day of disability.

Group Policy Number:  039-0006-8


Insurance Maximums
Credit Disability Credit Life
Max. Monthly Total Disability Benefit $1,100 N/A
Max. Insurable Balance per Loan Account $75,000 $75,000
Max. Age for Insurance 65 69
Max. Number of Monthly Disability Payments 120 N/A
Age for Insurance Termination 66 70


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

Choose One:

Deduct the payment from my:
  • You may cancel your automatic payment at any time by written notice to the credit union.
  • If the funds are not in your designated account for the automatic payment, it will be your responsibility to make the payment.
  • You will continue to receive monthly statements as a record of charges and payments.
  • The credit union will notify you when your automatic payment will start.


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.


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Platinum: 8.9%
Gold: 10.9%
Classic & Secured: 15.9%
APR for Balance Transfers Platinum: 8.9%
Gold: 10.9%
Classic & Secured: 15.9%
APR for Cash Advances Platinum: 8.9%
Gold: 10.9%
Classic & Secured: 15.9%
Your rate is based on individual creditworthiness and our underwriting standards.
Penalty APR and When It Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, including convenience checks, on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • Balance Transfer: None
  • Cash Advance: None
  • Foreign Transaction: None
  • Verified by Visa Password Reset: 1 free per year; $5 each additional
  • Statement Copy Fee: $5 per statement
  • Lost/Damaged Card Replacement: $10 per card
  • Stop Payment on Convenience Check: $25 per check
Penalty Fees
  • Late Payment: Up to $25
  • Over-the-Credit Limit: None; Over-the-Credit Limit transactions not allowed
  • Returned Payment: Up to $25

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.