CU Rewards Program

CU Rewards Program

CU Rewards Program

CURewards Information

CURewards Information

CURewards Information

1.   CURewards applies to SCU’s VISA Classic, Gold
       and Platinum credit card programs.
2.   The points needed for travel awards are reflected
      in the CURewards brochure.
3.   The program started February 1, 2002.
4.   The points may exist on an account for 4 calendar
       years before expiring.  (e.g.  If points exist on an
       account from 2007,  2007 is considered calendar
       year one, 2008 is considered calendar year two,
       2009 is considered calendar year three and 2010
       is considered calendar year four. Points from 2007,
       calendar year one, will expire on the last day of
       calendar year 2010, which is the end of calendar
       year four.)
5.   From time to time, we may announce additional
      CURewards rules and/or points programs.
Additional Rewards--Redemption for Cash
You may redeem CURewards points for cash up to two
times per calendar year based on the following cash
redemption table.

25,000 points
20,000 points
15,000 points
10,000 points
 5,000 points
 2,000 points

$250.00
$200.00
$150.00
$100.00
  $50.00
  $20.00

To  redeem  points,  you  must  complete  a  Points
Redemption Request Form, found at any SCU branch
location or on www.scscu.com.  You should select the
increment you wish to redeem and the SCU savings
or  checking  account  to  receive  the  cash  reward.
Request may take up to 2 business days to process.
A receipt will be mailed to confirm the deposit.  Only
one cash reward may be redeemed in any one calendar
month.    To  determine  points  you  have  available  for
redemption, refer to your latest credit card statement.
Accounts  must  be  open  and  in  good  standing  (not
cancelled or terminated by either party, not delinquent,
overlimit, or otherwise not available to use for charges)
at time of redemption.  If we are not able to meet your
request you will be notified by mail, e-mail or telephone.
Points  for  cash  cannot  be  redeemed  through
CURewards.com.

1.   CURewards applies to SCU’s VISA Classic, Gold
       and Platinum credit card programs.
2.   The points needed for travel awards are reflected
      in the CURewards brochure.
3.   The program started February 1, 2002.
4.   The points may exist on an account for 4 calendar
       years before expiring.  (e.g.  If points exist on an
       account from 2007,  2007 is considered calendar
       year one, 2008 is considered calendar year two,
       2009 is considered calendar year three and 2010
       is considered calendar year four. Points from 2007,
       calendar year one, will expire on the last day of
       calendar year 2010, which is the end of calendar
       year four.)
5.   From time to time, we may announce additional
      CURewards rules and/or points programs.
Additional Rewards--Redemption for Cash
You may redeem CURewards points for cash up to two
times per calendar year based on the following cash
redemption table.

25,000 points
20,000 points
15,000 points
10,000 points
 5,000 points
 2,000 points

$250.00
$200.00
$150.00
$100.00
  $50.00
  $20.00

To  redeem  points,  you  must  complete  a  Points
Redemption Request Form, found at any SCU branch
location or on www.scscu.com.  You should select the
increment you wish to redeem and the SCU savings
or  checking  account  to  receive  the  cash  reward.
Request may take up to 2 business days to process.
A receipt will be mailed to confirm the deposit.  Only
one cash reward may be redeemed in any one calendar
month.    To  determine  points  you  have  available  for
redemption, refer to your latest credit card statement.
Accounts  must  be  open  and  in  good  standing  (not
cancelled or terminated by either party, not delinquent,
overlimit, or otherwise not available to use for charges)
at time of redemption.  If we are not able to meet your
request you will be notified by mail, e-mail or telephone.
Points  for  cash  cannot  be  redeemed  through
CURewards.com.

1.   CURewards applies to SCU’s VISA Classic, Gold
       and Platinum credit card programs.
2.   The points needed for travel awards are reflected
      in the CURewards brochure.
3.   The program started February 1, 2002.
4.   The points may exist on an account for 4 calendar
       years before expiring.  (e.g.  If points exist on an
       account from 2007,  2007 is considered calendar
       year one, 2008 is considered calendar year two,
       2009 is considered calendar year three and 2010
       is considered calendar year four. Points from 2007,
       calendar year one, will expire on the last day of
       calendar year 2010, which is the end of calendar
       year four.)
5.   From time to time, we may announce additional
      CURewards rules and/or points programs.
Additional Rewards--Redemption for Cash
You may redeem CURewards points for cash up to two
times per calendar year based on the following cash
redemption table.

25,000 points
20,000 points
15,000 points
10,000 points
 5,000 points
 2,000 points

$250.00
$200.00
$150.00
$100.00
  $50.00
  $20.00

To  redeem  points,  you  must  complete  a  Points
Redemption Request Form, found at any SCU branch
location or on www.scscu.com.  You should select the
increment you wish to redeem and the SCU savings
or  checking  account  to  receive  the  cash  reward.
Request may take up to 2 business days to process.
A receipt will be mailed to confirm the deposit.  Only
one cash reward may be redeemed in any one calendar
month.    To  determine  points  you  have  available  for
redemption, refer to your latest credit card statement.
Accounts  must  be  open  and  in  good  standing  (not
cancelled or terminated by either party, not delinquent,
overlimit, or otherwise not available to use for charges)
at time of redemption.  If we are not able to meet your
request you will be notified by mail, e-mail or telephone.
Points  for  cash  cannot  be  redeemed  through
CURewards.com.

SC  State  Credit  Union  reserves  the  right  to  make
changes  in  the  CURewards  program  and/or
redemptions  without  notice;  and  may  cancel  the
program  with  15  days  notice,  after  which  the  Credit
Union shall have no obligations under the program.

SC  State  Credit  Union  reserves  the  right  to  make
changes  in  the  CURewards  program  and/or
redemptions  without  notice;  and  may  cancel  the
program  with  15  days  notice,  after  which  the  Credit
Union shall have no obligations under the program.

SC  State  Credit  Union  reserves  the  right  to  make
changes  in  the  CURewards  program  and/or
redemptions  without  notice;  and  may  cancel  the
program  with  15  days  notice,  after  which  the  Credit
Union shall have no obligations under the program.

ADDENDUM TO SCU’S VISA CREDIT
CARD DISCLOSURE  SPECIAL RATE
PROGRAMS

ADDENDUM TO SCU’S VISA CREDIT
CARD DISCLOSURE  SPECIAL RATE
PROGRAMS

ADDENDUM TO SCU’S VISA CREDIT
CARD DISCLOSURE  SPECIAL RATE
PROGRAMS

All special rate programs and the benefits from
them shall apply only to the SCU credit card
program and may not be used to repay any
other SCU loan account.  In the case of a
“special” rate offering to transfer balances from
other credit cards, the rate will apply only to new
balances over the member’s current balance on
the 1st day of the promotional period.  If you elect
to participate in any SCU credit card Special
Interest Rate Program the Following shall apply:
  I We will not allow your credit line to be

exceeded by any promotional transaction.
 II The method in which a Special Interest Rate
Program is accessed i.e. cash advance or
convenience check is at the discretion of
State Credit Union.

All special rate programs and the benefits from
them shall apply only to the SCU credit card
program and may not be used to repay any
other SCU loan account.  In the case of a
“special” rate offering to transfer balances from
other credit cards, the rate will apply only to new
balances over the member’s current balance on
the 1st day of the promotional period.  If you elect
to participate in any SCU credit card Special
Interest Rate Program the Following shall apply:
  I We will not allow your credit line to be

exceeded by any promotional transaction.
 II The method in which a Special Interest Rate
Program is accessed i.e. cash advance or
convenience check is at the discretion of
State Credit Union.

All special rate programs and the benefits from
them shall apply only to the SCU credit card
program and may not be used to repay any
other SCU loan account.  In the case of a
“special” rate offering to transfer balances from
other credit cards, the rate will apply only to new
balances over the member’s current balance on
the 1st day of the promotional period.  If you elect
to participate in any SCU credit card Special
Interest Rate Program the Following shall apply:
  I We will not allow your credit line to be

exceeded by any promotional transaction.
 II The method in which a Special Interest Rate
Program is accessed i.e. cash advance or
convenience check is at the discretion of
State Credit Union.

III Both cash advances and convenience

III Both cash advances and convenience

III Both cash advances and convenience

checks are assessed Finance Charges from
the date they are transacted and continue
until payment in full is received for the
balance.

IV No transaction fees will be assessed.
 V In the case of a transfer balance program,
the member will be responsible for 1)
making all payments directly to their
creditors, in accordance with the method
prescribed by SCU and 2) closing credit
lines with other creditors.

VI We may apply payments to amounts on your
account in the manner we deem appropriate,
including but not limited to applying them to
promotional balances before applying them
to charges at the non-promotional rate.
VII The promotional balance will revert back to

the current revolving annual percentage rate
(APR) if: 1) the account receives a bankrupt,
revoked or interest prohibited status, 2) the
account becomes 60 days delinquent or 3)
the account becomes 15% over limit during
the promotion.

checks are assessed Finance Charges from
the date they are transacted and continue
until payment in full is received for the
balance.

IV No transaction fees will be assessed.
 V In the case of a transfer balance program,
the member will be responsible for 1)
making all payments directly to their
creditors, in accordance with the method
prescribed by SCU and 2) closing credit
lines with other creditors.

VI We may apply payments to amounts on your
account in the manner we deem appropriate,
including but not limited to applying them to
promotional balances before applying them
to charges at the non-promotional rate.
VII The promotional balance will revert back to

the current revolving annual percentage rate
(APR) if: 1) the account receives a bankrupt,
revoked or interest prohibited status, 2) the
account becomes 60 days delinquent or 3)
the account becomes 15% over limit during
the promotion.

checks are assessed Finance Charges from
the date they are transacted and continue
until payment in full is received for the
balance.

IV No transaction fees will be assessed.
 V In the case of a transfer balance program,
the member will be responsible for 1)
making all payments directly to their
creditors, in accordance with the method
prescribed by SCU and 2) closing credit
lines with other creditors.

VI We may apply payments to amounts on your
account in the manner we deem appropriate,
including but not limited to applying them to
promotional balances before applying them
to charges at the non-promotional rate.
VII The promotional balance will revert back to

the current revolving annual percentage rate
(APR) if: 1) the account receives a bankrupt,
revoked or interest prohibited status, 2) the
account becomes 60 days delinquent or 3)
the account becomes 15% over limit during
the promotion.

VIII The term of the special rate promotion will
be at the discretion of SCU, and will be
announced with each promotional offering.

VIII The term of the special rate promotion will
be at the discretion of SCU, and will be
announced with each promotional offering.

VIII The term of the special rate promotion will
be at the discretion of SCU, and will be
announced with each promotional offering.