Visa^® Credit Card

Primary Features

• % Variable APR (Annual Percentage Rate)¹ applies to:
  • purchases
  • cash advance
  • balance transfers
• Not an introductory rate
• All members get this great rate
• Grace period for purchases if the balance is paid in full each month
• No annual fee
• Approval of new credit card applications is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
• Members must be 18 years of age or older to be eligible for lending services

Other Features

• No balance transfer fees, but interest begins to accrue immediately
• Can be used for overdraft on your checking account
• Additional security protection by enrolling in Verified by Visa^®
• Rental car protection through the Visa^® Auto Rental Collision Damage Waiver Program
• Monthly and annual transaction statements available online
• Photo may be added for additional security

Balance Transfers

As a service to our members we also offer the ability to transfer your credit card balance from another institution to an SECU Visa credit card with no transfer fee. To transfer your balance to an SECU credit card please bring a completed Balance Transfer Request Form or your last credit card statement from your other financial institution(s) into your local branch for processing.

Credit Line Increases

Already have a Credit Union credit card and need additional buying power? You can request a credit line increase through Member Access, at your local branch or by calling the Contact Center. Credit Line increases are permitted for existing credit cards regardless of the state in which you currently reside. Additionally, the Credit Union may automatically increase your credit limit from time to time based on your repayment history and other factors. We will notify you of any automated increase. Of course, you can decline any automated increase by simply letting us know.