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Routing Number: 253177049
Classic Visa Credit Card

Classic Visa® Credit Card

Spend with confidence and take advantage of the benefits available to you with our lower-rate Classic Credit Card.

Apply for Classic
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0% introductory balance transfer1

0% introductory APR1 for the first 12 months after account opening on balances transferred within the first 90 days after account opening, then 12.00% - 15.00% variable APR.2

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Classic Visa Credit Card

  • Our lowest rate

    Classic offers a low rate of 12.00% - 15.00% variable APR2 on purchases and balance transfers.

  • Valuable features

    Get the same great security and convenience features as our other cards.

  • No annual fee

    Unlock all the advantages of our Classic Card and pay no annual fee.

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Convenient card features and benefits

All SECU credit cards offer features fit for you.

  • Simple & fast balance transfers

    Save on interest when you transfer higher-interest credit card balances to your SECU credit card.3

  • Visa Zero Liability

    You are protected from unauthorized or fraudulent charges on your card.4

  • Mobile wallet compatible

    Add cards to your mobile wallet to simplify and secure your shopping with Mobile Payments.

  • Tap-to-pay technology

    Enjoy contactless payment for fast, easy, and secure checkout.

  • Card Lock

    Protect your account from unwanted transactions by locking your credit card directly from the Mobile App.

  • Roadside Dispatch®

    Call on Roadside Dispatch for 24/7, pay-per-use roadside assistance at (800) 847-2869.

Apply now

Frequently asked questions about credit cards

Members may apply for a Classic Card online through Member Access, over the phone by contacting Member Services Support at (888) 732-8562, or at your local branch. Members must be 18 years of age or older or otherwise eligible for lending services to apply. New lending is restricted to residents of North Carolina, South Carolina, Georgia, Tennessee, and Virginia.

To report a lost or stolen card, contact Member Services Support at (888) 732-8562 or your local branch. Our representatives can assist you with replacing your card and reporting any fraudulent transactions.

 

If you think you’ve misplaced your card and would like to look for it before requesting a replacement, use the Card Lock feature in the Mobile App while you search.

Once a new card has been requested, it typically takes 7-10 business days to arrive.

You may request a balance transfer in Member Access or by visiting your local branch. Learn more about credit card balance transfers.

You can request a credit line increase through Member Access, by contacting Member Services Support at (888) 732-8562, or at your local branch. Credit line increases are permitted for existing credit cards regardless of the state in which you reside. Credit line increases must be approved and are not guaranteed.

 

Your credit limit may automatically increase from time to time based on your repayment history and other factors. We will notify you of any automated increase. Contact us if you’d like to decline automated increases.

Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign currency, and (b) any transaction made or processed outside of the United States. For more information regarding international credit card transactions, review the Credit Cardholder Agreement on our Account Disclosures page.

You can dispute credit card transactions through Member Access, by contacting Member Services Support at (888) 732-8562, or at your local branch.

If you notice transactions that you did not make or approve, notify us immediately by contacting Member Services Support at (888) 732-8562. If you do not report fraud in a timely manner, we may not be able to reimburse you.

You can make payments online through Member Access by transferring money from another SECU account, over the phone by contacting Member Services Support at (888) 732-8562, at a CashPoints® ATM, or at your local branch.

Related resources

  • hand at desk with calculator

    calculator

    Are Credit Card Balance Transfers Worth It

    Determine if you should transfer your credit card balance.
    View calculator
  • card lock app screen

    article

    How To Use Card Lock

    Protect your SECU accounts from unwanted transactions by locking your debit card and credit card in the SECU Mobile App.
    Read article
View all learning resources

Related links

  • Online Security

    Understand common types of fraud, and how, when, and why SECU will contact you.
  • Statements

    Learn about statement options, including choosing your statement date with e-statements.
  • Alerts

    Explore all the alerts that can help you monitor and manage your SECU accounts.
  • Cardholder Travel Tips

    Review our travel tips checklist so you can enjoy a worry-free vacation.

This offer is valid for new accounts only. You must be at least 18 years of age or otherwise eligible for lending services to apply. New lending is limited to residents of North Carolina, South Carolina, Tennessee, Georgia, or Virginia. You are limited to being contractually liable on three (3) total SECU Visa Classic, Visa Cash Rewards, or Visa Points Rewards Credit Card accounts. For more information, please see the SECU Credit Cardholder Agreement.

  1. For new cardholders only. Balance transfers made under an introductory or promotional APR will be subject to a balance transfer fee of 3% of the amount of each transfer or $5, whichever is greater.
  2. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on your creditworthiness at account opening. The variable APR is subject to change, with the U.S. Prime Rate, as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July, and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
  3. Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances.
  4. Visa Zero Liability Policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if you promptly notify us of any unauthorized use. For additional details visit Visa’s Zero Liability Policy.