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Visa Credit Card Cost Information

State Credit Union's credit card agreement was rated the 7th most readable in a nationwide survey.
Read more here.

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
How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any 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
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://www.consumerfinance.gov/learnmore/
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
$10 per card
  * Stop Payment on
     Convenience Check
$25 per check
Penalty Fees  
  * Late Payment Up to $25 maximum
  * Over-the-Credit-Limit None:  Over-the-Credit Limit transactions not allowed
  * Returned Payment Up to $25 maximum
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.

Review a copy of State Credit Union's
Visa Agreement & Disclosures.

The information about the costs of the card described in this application is accurate as of November 2010. 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, 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.

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SC State Credit Union 800-868-8740 | 803-343-0300