IMPORTANT VISA AGREEMENT & DISCLOSURES  
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This document explains the rules which govern your State Credit Union Visa credit card account. Please read carefully and kee p in a safe and 
convenient place.   
1. Interest will not be imposed on credit purchases of goods and services if you pay the entire new balance shown on the previou s monthly 
statement within 25 days from the closing date of the statement.  
2. There is no grace period on cash advances made on your card. Interest will be charged from the date of the cash advance. If your 
balance is paid prior to the due date, no additional interest will be accrued in the current billing cycle. (See Balance Comp utation Method 
below.)  
3. Balance Computation method for in terest: We calculate the interest on your account by applying the periodic rate to the �average daily 
balance� of your account. To get the �average daily balance,� we take the beginning balance of your account each day, add any  new 
purchases and cash advan ces, unpaid interest, current late payment fees, and other applicable fees, and subtract any payments or 
credits. Then we add up all the daily balances for the billing cycle and divide by the number of days in the billing cycle. T his gives us 
the average d aily balance.  
4. Partial Grace: Partial Grace adds an additional grace period to portions of an unpaid balance in the billing period where an account 
moves from paid -in full to revolving status. In the transition -to-revolving billing period, balances equal t o the amount of any partial 
payment must not be included in the Average Daily Balance subject to interest. The month an account becomes revolving is the first 
month where the payment made by the payoff exception date (most frequently cycle date) is less th an the statement balance owed. 
Partial Grace only applies to transactions that are subject to a grace period.  
5. The MINIMUM monthly payment is 2.5% of the new balance or $25.00, whichever is greater.  
6. Cardholder payments made in excess of the minimum paymen t due will be applied to the highest APR balance first and then, in order, 
down to the lowest APR balance.  
7. Over -limit conditions must be cleared immediately because your account will not be allowed future approvals until your balance is below 
the approved limit.  
8. A fee (see Fee Schedule) will be charged on any check issued for payment on your credit card if the  check is dishonored and 
returned. This fee will be added to your account balance.  
9. With your SCU Visa� card, you may obtain cash advances at any financial institution displaying the Visa logo. Cash advances a re 
also available at many ATMs.  
10. Your Visa card is issued for a 36-month period, but it can be cancelled by State Credit Union at any time if used improperly or 
payments are not made. We will notify you in writing if your account is closed due to inactivity for 18 or more months.  
11. Credit Life Insurance is available at the member�s option. Credit Disability Insurance is also available. The charges will be added to your 
account balance each month.  
12. You agree to notify us immediately at our credit card processor of the loss, theft, or unauthorized use of yo ur credit card at 1 -
866-583-4051 or 1 -727-299-2449 if outside of the U. S.  You may be liable for the unauthorized use of your credit card. You will not 
be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthor ized use. In any case, your liability 
will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made with y our credit 
card. If you report your card Lost/Stolen, it is your responsibility to destroy an y remaining cards with that number. If you find the 
Lost/Stolen card, you should destroy the card and notify the Credit Union or PSCU. If you use the card and it is recovered by an 
authorized Visa merchant (because it appears on the Revoked Card List or th e Visa Center tells the merchant to pick up the card), then 
you will be liable for any fees, costs or merchant awards resulting from your unauthorized use of the card.  
13. There will be a replacement fee (see Fee Schedule) for a mutilated card or if the card is more than ninety (90) days from the scheduled 
reissue. Expired cards will be reissued without cost to you.  
14. If you ask for a copy of a document, such as a convenience check or billing statement, a per -hour charge (see Fee Schedule) may be 
imposed for th e time that is required to research and locate the document. In addition, a copying fee (see Fee Schedule) will be charged. 
No charge will be imposed in connection with any billing error.  
15. In the event, that you receive convenience checks that access your credit card account. These checks are good for only 90 days. Please 
note: Convenience Checks will be treated as Cash Advances .  Interest is charged on cash advances beginning on the transaction 
date. If you are over your credit limit, are in default, your account privileges have been cancel led, or your card expired, we may decline 
to honor a convenienc e check and a fee (see Fee Schedule) will be added to your account balance. Convenience checks may be used 
only by the person whose name is printed on them. You may not use convenience checks to pay any amount which you owe SCU. Pai d    
 IMPORTANT VISA AGREEMENT & DISCLOSURES   
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convenience checks wil l not be returned to you. There is a fee (see Fee Schedule) when you stop payment on a convenience check. It 
is the Credit Union�s sole discretion to issue convenience checks to any member.  
16. If you incur a charge (a Purchase or Cash Advance) in a foreign c urrency, the charge will be converted into a U.S. dollar amount in 
accordance with the operating regulations of Visa international in effect at the time that the transaction is processed. Curr ently, these 
Regulations provide that the currency conversion ra te to be used is either: (a) a wholesale market rate; or (b) a government -mandated 
rate in effect one day prior to the processing date, increased by one percent in each case. Visa retains this one percent as compensation 
for performing the currency convers ion service.  The Credit Union reserves the right to charge a fee for this service with appropriate 
legal notice. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transac tion date or 
the posting date.  
17. Your Visa card may not be used for any illegal transaction, such as unlawful gambling.  
18. The Credit Union may change the terms of this Agreement, including the Annual Percentage Rate, with 45 days written notice. E xcept 
where limited by applicable law, the  new terms, including but not limited to, the way the Credit Union calculates interest, and the minimum 
payment due, will apply to both new purchases and cash advances and to the existing outstanding balance of your account as of  the 
day of the change. In accordance with applicable law, the Credit Union will notify you of any increased charge. However, if the APR 
changes, the new APR will apply only to new purchases and cash advances. If you receive notification of an increase in the AP R or 
other �significa nt change� in terms, you will have the right to cancel before the effective date of the increase or change in order for your 
account to remain under the same terms and conditions. Your minimum payment requirement would remain the same.  
19. The use of your car d confirms agreement to the Visa terms and conditions as well as the terms outlined herein. Complete disclosures, 
terms and conditions will be provided to you. Please read all terms and conditions prior to use of your card. If you do not a gree with the 
terms and conditions provided, contact the SCU Visa Department in writing (mail or fax) immediately to cancel the account.  
20. BILLING RIGHTS  
In Case of Errors or Inquiries about Your Bill:  
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate she et of paper at 
the address indicated below as soon as possible. We must hear from you no later than 60 days after we sent you the f irst bill on which 
the error or problem appeared.  
You can telephone us but doing so will not preserve your rights.  
In your letter give us the following information:  
* Your name and account number.  
* The dollar amount of the suspected error.  
* Describe the e rror and explain, if you can, why you believe there is an error. If you need more information, describe the item you are 
unsure about.  
 
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of you r bill that are 
not in question. While we investigate your question, we cannot report you as delinquent or take any action to colle ct the amount you 
question.  
If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good  faith to 
correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You hav e this 
protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles  of 
your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or serv ices, all purchases 
are covered regardless of amount or location of purchase.)  
 
Send Inquiries to:  
S.C. State Federal Credit Union   
Visa Department  
P.O. Box 726  
Columbia, S.C. 29202  
 
21. If your account goes past due, no further approvals or advances will  be made until your account is current. A chronic past -due condition 
will cause your credit card to be revoked. A late fee (see Fee Schedule) will be assessed if the account becomes 15 days delinquent 
from the date of the due date. Payments must be receive d by 5:00 p.m. EST in order to insure credit for that day.  
22. If your account goes past due sixty (60) days, the card may be cancelled. However, the Credit Union may reinstate your card , provided 
your account is brought up to date and is given reasonable ass urance it will not become past due again. Any future recurrence will cause 
an automatic cancellation. The Credit Union may demand payment in full upon written notice to the cardholder, on any delinque nt or 
cancelled account.      
 IMPORTANT VISA AGREEMENT & DISCLOSURES  
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23. Your monthly statement is you r bill. You are required to immediately notify the Credit Union in writing if your name and/or home address 
changes. Your due date will remain the same each month.  
24. Your performance under this agreement may be reported to Credit Reporting Agencies. Protect  your credit rating by paying promptly.  
25. You may close your account at any time by notifying us in writing and returning your card or cards, cut in half. You will rem ain responsible 
for payment of the amount owed to the Credit Union according to the terms and conditions in effect at the time you close your account.  
26. Keep your copy of transaction slips. Checking your copies against your monthly statement can help you guard against incorrect  charges 
and fraudulent vendors.  
27. Be careful about placing orders by telephone, mail or internet. Satisfy yourself that the company  is a reputable firm.  
28. Do not carry cards that are used infrequently, but store in a secure manner where no one else has access to them.  
  
29. Sign all new cards immediately after receiving them.  
30. Insist that any duplicate transaction slips made through error  be destroyed. It is also a good idea to have any carbon papers destroyed 
as well.  
  
31. The Credit Union currently offers a Rewards Program. SCU reserves the right to make changes in the Rewards program and/or 
redemptions without notice; and may cancel the p rogram with 15 days � notice , after which the Credit Union shall have no obligations 
under the program,  or the rewards cancel led. 
32. SKIP PAYMENT OPTION:  At our discretion, we may offer you the opportunity to not make ("skip") a minimum payment during certain 
designated billing cycles ("skip payment period").   If you do not make your minimum payments as provided in this Agreement, during 
such designated billing cycles, you understand that we will continue to apply finance charges to your account. Beginn ing with the billing 
cycle following an allowed skip payment period, all other provisions of this Agreement will apply.   We have no obligation to accept your 
application for any skip payment period offered, and you authorize us to investigate your creditwo rthiness including obtaining consumer 
credit reports. We may charge you an application processing fee of up to $20.00, which will be reflected on your next stateme nt should 
you choose not to pay the fee outright, for each skip payment period that we may of fer to cover our costs of investigating your 
qualifications for this extension including but not limited to the costs associated with researching your creditworthiness.   
   
Visa Terms & Conditions  
  
The person (�Cardholder�) whose name is embossed on the face of the Visa card (�Card�) applied for and was issued, and each C ardholder, in 
the event more than one Card is enclosed herewith bearing the same account number, by signing or using said Card, rec eipt of which is 
acknowledged, agrees with the issuer of the Card, SC State Federal Credit Union (SCU) as follows:  
1. Goods and services (�Credit Purchases�) may be purchased or leased by means of such card by Cardholder from any retail busine ss 
establishmen t (�Seller�) who honors same upon the execution of a sales slip evidencing such Credit Purchase and bearing the account 
number of Cardholder embossed on the face of such Card. Additionally, Visa Cash Advance (�Loans�) may be obtained through use  of 
such Ca rd (a) upon execution of a written request of Cardholder in a form furnished to him/her from any bank that is a member, alone  
or in association with others, of Visa Inc. and (b) upon execution of a written separate agreement with issuer for a Visa ove rdraft financing 
agreement, if offered by issuer. Up to  20 authorizations may be granted per day.  
2. Cardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans extended to, Cardholder or any one else 
using such Card unless the u se of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent 
authority for such use, and (b) from which Cardholder receives no benefit.  
3. Additionally, Cardholder shall be jointly and severally liable and agrees  to pay for all Credit Purchases and Loans obtained through the 
use of any other Card for Cardholder�s account number that has been issued to another person by reason of such person being a  
member of Cardholder�s family, or otherwise issued upon Cardholder �s request (all such Cards issued for the Cardholder�s account 
hereinafter collectively called �Related Cards�). Further, if you authorize us to honor any Purchase or Cash Advance you make  by 
telephone, mail, or internet on this account, you agree that a s ignature is not necessary as identification in such cases.     
 IMPORTANT VISA AGREEMENT & DISCLOSURES   
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4. Each Card is the property of issuer, is not transferrable and must be surrendered upon demand. It can be cancelled as well as  
repossessed by Issuer or its designee, and the privileges thereof revo ked at any time without prior notice.  
5. Cardholder shall not use Card or permit the use of Related Cards to obtain Credit Purchases or Loans which will increase Card holder�s 
Visa indebtedness to Issuer to an amount in excess of the limit established by Issu er.  
6. All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing Bank, respectively, and Issuer sha ll not be 
responsible for refusal by any Seller or Cash Advancing Bank to honor the Card or any Related Card. Any refund, adju stment or credit 
allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder �s account 
statement with Issuer.  
7. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a st atement reflecting for the prior monthly period all Visa Card 
and Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related C ards 
unless Issuer is notified to the contrary in writing within 60 d ays of mailing of such statement. Cardholder will pay such statement by 
remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardho lder�s option, 
an Installment equal to at least the require d minimum payment stated in Paragraph 4 of the Disclosures.  
8. Interest on Loans and Credit Purchases will be charged in accordance with the interest calculation method referred to in Para graph 3 of 
the Disclosures. The rate of interest shall be established by Issuer.  
9. If the Card is cancelled or surrender is demanded  by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or 
insolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his/her property, Issuer may elec t to declare 
all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has other loans 
from Issuer or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardhold er�s obligation 
under this ag reement. However, unless the Cardholder expressly agrees otherwise, the Cardholder�s primary dwelling will not secure 
Cardholder�s obligations under this agreement even if Issuer has or later acquires a mortgage on the dwelling. Cardholder agr ees to 
pay al l costs incurred by Issuer in collecting Cardholder�s indebtedness or in enforcing this agreement, including attorney�s fees of 10% 
of the unpaid balance or such greater amount as may be reasonable and just and also those costs, expenses and attorney�s fee s 
incurred in appellate, bankruptcy and post judgments proceedings except to the extent such costs, fees or expenses are prohib ited by 
law.  
10. The validity, construction and enforcement of this agreement and all matters arising out of the issuance and use of  the Card shall be 
governed by Federal law.  
  
IF YOU HAVE ANY QUESTIONS  
 During business hours, you may call SCU at 1 -800-868-8740, extension 8401.  
Address of Issuer:  
PO Box 726  
Columbia, SC 29202  
Fax: 803 -978-1037  
 
If you have any questions concerning your account after hours or on the weekend, you may contact, the PSCU  Service Center by calling the 
following toll -free number , 1-866-583-4051 .  
 
 At all times, if your card is lost or stolen, please contact the following toll -free number:  1-866-583-4051  or 1-727-299-2449  outside the 
US.   
PAYMENT ADDRESS : 
State Credit Union   
PO Box 71050  
Charlotte, NC 28272 -1050  
 
PLEASE CONTINUE TO NEXT PAGE FOR COST INFORMATION.    
    
 IMPORTANT VISA AGREEMENT & DISCLOSURES  
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Visa Credit Card Cost Information  
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 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 che cks, 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  
� 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    
Up to $25  
None ; Over -the-Credit Limit transactions not allowed  
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 tra nsactions 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 March 19, 2020 . 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: Sta te Credit Union, PO Box 726, Columbia, SC 29202, or visi t www.scscu.com. 
Please refer to the Truth & Savings Rate & Fee Schedule for other fees that may apply . 
Rev 7/2021