Visa Signature Cost Information

See the current fees and costs for your Visa Signature credit card.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for PurchasesSignature: 12.00%  
This APR will vary with the market based on the Prime Rate.*
APR for Balance TransfersSignature: 12.00%  
This APR will vary with the market based on the Prime Rate.*
APR for Cash Advances
Signature: 12.00%  
This APR will vary with the market based on the Prime Rate.*
Your rate is based on individual creditworthiness and our underwriting standards.
Penalty APR and When It AppliesNone
How to Avoid Paying Interest on PurchasesYour 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 ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo 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 FeeNone
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • Verified by Visa Password Reset
  • Statement Copy Fee
  • Lost/Damaged Card Replacement
  • Stop Payment on Convenience Check

  • None
  • None
  • None
  • 1 free per year; $5 each additional
  • $5 per statement
  • $10 per card
  • $25 per check
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • Returned Convenience Check

  • Up to $25
  • None; Over-the-Credit Limit transactions not allowed
  • Up to $25
  • $25 per check

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.

*Variable Rate Information: Your APR may vary.
Variable Rate Feature: The Visa Signature Credit Cards have a variable rate feature meaning that the Annual Percentage Rate (corresponding to the periodic rate) and the term of your Visa loan may change due to interest rate fluctuations in the Prime Rate. The Annual Percentage Rate (APR) will be the Prime Rate, as reported in the Wall Street Journal, plus a margin of 4%, and includes only interest and no other costs.

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. The information about the costs of the card described in this application is accurate as of September 19, 2024. This information may have changed after that date. To find out what may have changed, call us at 1-800-868-8740, or write us at: State Credit Union, PO Box 726, Columbia, SC 29202. Please refer to the Truth in Savings Rate & Fee Schedule for other fees that may apply.

Revised 9/2024

PRIVACY & SECURITY