• Cash Advances at Same Low Rate
  Access instant cash up to 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.
  
  Balance Transfer Q&A
  
  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 E-Statements 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® Platinum Rewards enables qualifying members* to enjoy a credit line up to $25,000, a rate as low as 9.90% APR, and each dollar spent on purchases earns merchandise or travel reward points. You'll also receive Platinum Preferred benefits, which includes travel accident insurance and hotel concierge service. Current Platinum cardholders may visit the CURewards® site to see how many points you have accumulated and how you may redeem those points for merchandise or travel rewards. Or, you may call 1-800-621-4112 for merchandise or 1-800-900-6160 for travel redemptions.
*Members applying for a Platinum card must have a minimum annual income of $25,000.

VISA® Classic allows cardholders to receive a rate as low as 13.90% APR and a credit line up to $5,000.

Business VISA® Platinum Rewards offers business owners a rate as low as 9.90% APR with a credit line up to $50,000*. Total approved line of credit may be split among multiple cards with various authorized credit limits. Business Platinum card purchases are also eligible for merchandise or travel rewards through CURewards®.
*Business loans may require tax documents from 2-3 years, depending on the type of loan requested. Annual fee is $25. Fee is waived for first year.

VISA® Secured helps members build or re-establish credit. This card is secured by funds in your Credit Union savings account and is accepted where the VISA® logo is displayed. The VISA® Secured Card rate is as low as 14.90% APR. VISA® Secured card Q&A.

Goal Club VISA® 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.

VISA® Prepaid Gift Cards are the perfect gifts for any occasion and can be purchased for $4.95 at all branch locations. Load amounts from $25 to $500 on the card. Once the card has been purchased, it can be used the next day for signed purchases where VISA® is accepted*.
*The cardholder has six months from time of activation to use the card before a maintenance fee of $4.95 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.

Regarding credit cards, member's approved Annual Percentage Rate (APR) and credit line are based on credit worthiness. Certain restrictions apply.

Auto Pay Option
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, but you won't have to hassle with mailing in your payment. Just complete and return this Auto Pay option. Once Carolina Trust receives your completed form, your automatic payment will begin within 30 days.


VISA® Secured credit card Questions and Answers?
Q: What is a VISA® Secured credit card?
A: A VISA® Secured credit card looks and is accepted like a traditional VISA® credit card. The difference: funds from a specifically designated share account at Carolina Trust Federal Credit Union are specifically pledged to secure your credit card limit, which differs from the general pledge associated with traditional Carolina Trust credit cards. In other words, the money you deposit is pledged toward your credit card, and the balance in your designated savings account earns dividends. Merchants, however, will not know the difference. You can use it anywhere VISA® is accepted for traveling, reservations, purchases, renting a vehicle - all at thousands of locations worldwide.

Q: Is a VISA® Secured card similar to a prepaid card?
A: No. With a VISA® Secured card, a security deposit in a designated savings account (pledge), establishes your initial credit limit and shows your intent to make on-time, monthly payments toward your account balance. VISA® Secured is a true credit card in that you are responsible for paying down your balance with interest. Prepaid cards are not credit cards. They function more similarly to an ATM or debit card.

Q: Who should apply for a VISA® Secured credit card?
A: Carolina Trust Federal Credit Union's VISA® Secured card is a great way to build or re-establish your credit history. If you've experienced past credit problems or have no credit history, then you know it can be difficult to obtain a major credit card. And the credit cards that may be available typically offer high interest rates, making them costly to use. Our VISA® Secured card is available to anyone age 18 or older whose income is sufficient to make payments toward a credit card balance, regardless of prior credit history.

Q: How can I build or re-establish my credit history with a VISA® Secured card?
A: You can build a positive credit history by not exceeding your credit limit (the amount you pledged) and by paying at least the minimum amount due each month, on time. If you maintain an excellent payment history, you may eventually be eligible for a traditional Carolina Trust VISA® credit card*.
*Eligibility requires the member to have at least a 12-month period in good credit standing.

Q: What will my credit limit be?
A: Your credit limit will be equal to or less than the amount you have on deposit in your designated savings account. The minimum required pledge amount is $500 up to $5,000. You may increase your credit limit, by depositing additional funds to your designated savings account and signing another security agreement.


Credit card balance transfers FAQ:
Q: Why would I want to transfer my balances to a Carolina Trust VISA® Credit Card?
A: You can save on previous purchases made. By transferring your balances to a Carolina Trust VISA® credit card, you can take advantage of our low interest rates and consolidate your debts into one monthly payment.

Q: What types of balances may I transfer?
A: In addition to transferring other credit card balances, including retail card balances, you may also transfer personal loans, auto loans, home equity loans, and other similar accounts.

Q: How do I go about transferring my balances?
A: Just complete and return this Balance Transfer Request. Upon approval, Carolina Trust will write a check to your creditors in the amount you indicate (up to your available credit limit). Carolina Trust will then place the charge on your new VISA® account, representing the completed transaction. Approved transfers will show up on your Carolina Trust VISA® card statement.

Q: At what point should I stop making payments to my other creditors?
A: Carolina Trust will need 3-4 weeks to process your request. Please continue to make payments on your other accounts to keep them current until your Balance Transfer Request has been completed.

Q: If Carolina Trust pays off my transferred balances, then will those accounts be closed?
A: Carolina Trust will not close your other accounts. If you wish to close any accounts you must contact the appropriate creditors.

Q: Is there a fee for this service?
A: No. Carolina Trust does not charge a fee.