VISA Credit Cards VISA Credit Cards Carolina Trust VISA® Credit Card Benefits: Cash Advances at Same Low Rate Access instant cash up to 50% of your available credit line at the same low rate you receive for credit card purchases! Conveniently withdraw money from any ATM displaying the VISA®, CIRRUS®, or PLUS® logo. No Annual Fee or Balance Transfer Fee Balances are transferred, at no charge, up to your available credit line. Earn additional Member Reward points when you open a new Carolina Trust VISA® credit card account with qualifying transferred balance. Travel or Merchandise Rewards VISA® Platinum cardholders receive one reward point for each dollar spent on credit card purchases. Earn CURewards® merchandise or travel reward points. Online Purchase Protection Verified by VISA confirms your identity before authorizing online transactions. This FREE security feature reduces the potential of online fraud. Online eStatements and Credit Card Account Access Carolina Trust free online banking provides 24-hour password protected online access to your VISA® account. View your credit card statement, review recent card transactions, make a VISA® payment, and report a lost or stolen card. All you need is one Carolina Trust online banking password. Visa® Purchase Alerts With Alerts from Carolina Trust Federal Credit Union powered by Visa, you can receive near real-time updates on your Visa® card activity. So you can act quickly to help reduce fraud and monitor your account, wherever you are. Sign up here.Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply. © 2009 Visa. All Rights Reserved Which VISA® Credit Card is Right for You? Credit Limit Best Suited For Rates As Low As Merchandise or Travel Rewards Platinum Up to $25,000* Minimum annual income of $25,000 9.90% APR* Yes Qualifying VISA® Platinum cardholders* may enjoy a credit line of up to $25,000, a rate as low as 9.90% APR, and premium rewards! With a VISA® Platinum card, each dollar spent on purchases earns points that can be exchanged for merchandise or travel rewards. You’ll also receive Platinum Preferred benefits which include travel accident insurance and hotel concierge service. Current Platinum cardholders may visit CURewards® to view accumulated points and how those points may be redeemed. Or, you may call 800.621.4112 for merchandise or 800.900.6160 for travel redemptions. *Member must have a minimum annual income of $25,000 to qualify for VISA® Platinum. Approved Annual Percentage Rate (APR) and credit limit subject to credit worthiness. Classic Up to $5,000* Less than $25,000 annual income 13.90% APR* No VISA® Classic cardholders may qualify for a rate as low as 13.90% APR* and a credit line of up to $5,000*. *Approved Annual Percentage Rate (APR) and credit limit subject to credit worthiness. Secured Secured by funds in your Credit Union savings account Members who wish to re-establish or build credit 14.90% APR* No VISA® Secured helps members re-establish or build their credit. This card is secured by funds in your Credit Union savings account and accepted where the VISA® logo is displayed. The VISA® Secured rate is 14.90% APR*. Please view the VISA Secured card FAQ for more information. *Approved Annual Percentage Rate (APR) subject to credit worthiness. Business Platinum Up to $50,000* Business Owners 9.90% APR* Yes Business VISA® Platinum offers business owners a rate as low as 9.90% APR* with a credit line of up to $50,000*. The total approved line of credit may be split among multiple cards with various authorized limits. Business Platinum purchases are also eligible for travel or merchandise rewards through CURewards®. *Approved Annual Percentage Rate (APR) and credit limit subject to credit worthiness. Business loans may require tax documents from 2-3 years, depending on the type of loan requested. Annual fee is $25 and is waived for the first year. Goal Club Up to $300* Teens ages 16-17 13.90% APR* No Goal Club VISA® is available for teens ages 16-17 with a credit line up to $300* and a rate as low as 13.90% APR*. A parent/guardian must co-sign on this account. *Approved Annual Percentage Rate and credit limit subject to credit worthiness. CCU Athletics Up to $25,000* Minimum annual income of $25,000 9.90% APR* Yes** Whether you’re a CCU student, faculty member, alumnus or Chanticleer fan, you can show your school spirit with a unique CCU Athletics VISA® credit card design. Choose from three spirited designs that feature the same low rates and consumer friendly terms as our traditional VISA® credit cards but with an additional benefit: each time you make a purchase, a percentage of that purchase is donated to Coastal Carolina University* to help fund scholarships for deserving students. Please click here to view all three cards designs. *ATM withdrawals and cash advances do not qualify for CCU contribution incentive. Carolina Trust is an official partner of CCU Athletics. If you live outside the Credit Union’s field of membership and want a school VISA® credit card, then you are eligible for membership upon joining the CCU Alumni Association. A credit card may not be issued to consumers younger than 21 unless the written application includes: (i) an individual cosigner age 21 or older; or (ii) consumer submission of financial information indicating an independent means of repaying any credit obtained. CCU Athletics card is not available as a VISA® Secured card. **Only VISA® Platinum cardholders are eligible to earn rewards. Design Your Own Customize your credit card for a small fee. This feature is available on all credit cards with the exception of the Secured and CCU Athletics cards. Personalize your plastic with a Design Your Own credit card! Your purchases say a lot about your lifestyle, shouldn’t your VISA® card? With DYOC, you can showcase the special people, pets or moments in your life by simply uploading your favorite photo or image. You are unique. Let your credit card reflect your interests and personality! It’s easy! Current cardholders* should simply login to online banking, click to view your VISA® credit card account, and click on the Design Your Own Card link. Follow the step-by-step instructions to upload a photo from your computer or select artwork from the extensive library of images, position the image to fit and order your card. The cost to customize your card is $10, and the charge will appear on your next credit card statement. Your unique card will arrive by mail in about 3 weeks and your current 16-digit card number will not change. Please view the Design Your Own Card FAQ for additional information. *The DYOC option is not available for CCU Athletics cardholders. Pay the Automatic Way! You may choose to have your VISA® payment automatically transferred from your Carolina Trust account on your scheduled payment date. You may choose to make the minimum monthly payment, pay a fixed monthly amount, or pay the total balance due each month. If you choose an auto pay option, then you’ll still receive an itemized monthly statement. Just complete and return the Auto Pay form. Once Carolina Trust receives your completed form, your automatic payment will begin within 30 days. VISA® Prepaid Gift Cards Prepaid gift cards are the perfect gift for any occasion and can be purchased for $2.95 at all branch locations. Load amounts from $10.00 to $1,000.00 on the card. Once the card has been purchased, it can be used the next day for signed purchases where VISA® is accepted**. *Approved Annual Percentage Rate (APR) and credit limit subject to credit worthiness. Membership not required to apply for loan but required prior to funding. Certain restrictions apply. **The cardholder has twelve months from the time of activation to use the card before a maintenance fee of $5 per month is assessed. A $10 replacement fee plus the cost of the card is assessed for lost or stolen cards with unused balances. Prepaid cards are not reloadable and cannot be used at ATMs or for hotel, auto rental, and pay-at-the-pump fuel transactions. Prepaid gift cards are non-refundable and cannot be exchanged.