Credit Cards

0% intro APR¹ on credit card purchases.

For 6 months made within the first 60 days of card opening.
(Variable APR ranging from 15.24% to 17.99% thereafter²)

Apply Online

Choosing a credit card can be confusing.
We can help.

Select the options that fit your needs and we'll recommend the best solution.

Reset selections

Most Popular

World Mastercard^®

World-class features start with our most generous cash back rewards program and include a comforting range of security safeguards.

1.5% back for each dollar spent.³
Mastercard Zero Liability protection.

Learn More Apply Online

Compare Credit Cards

With so many attractive credit cards, you may need to study up a bit to pick the one that fits your finances. This chart makes comparisons easy.

View credit card rates

Effective Date: July 2, 2023

	Platinum Mastercard^®	Platinum Cash Rewards Mastercard^®	World Mastercard^®
APRs for purchase/balance transfers as low as	15.24%	16.24%	17.24%
APRs for cash advances	17.99%	17.99%	17.99%

Planning a big purchase? Calculate your payoff.

uChoose Rewards^® Program

Enjoy a tremendous rewards program from you soon-to-be favorite credit card.

Learn More

Manage Your Cards

Take control of how your South Carolina Federal Credit Union cards are used.

Learn More

Mastercard^® Guide to Benefits

Detailed information about the benefits you can access as a preferred cardholder.

Learn More

Dispute a Transaction Call to Report Fraud Using Cards Outside the U.S. Lost or Stolen Card

Make informed financial decisions with helpful resources.

How Credit Cards Work

Credit Card Management Tips

Credit Card Resource Library

Frequently
asked questions

What should I do if my debit or credit card is lost or stolen?

For lost or stolen debit cards, please choose from the following options:

Turn your card off and report it as lost or stolen using Online or Mobile Banking¹. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking1. You may be prompted to call us.
Call Cardholder Services at (800) 472-3272.
Visit a financial center to receive a card instantly issued.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.

For lost or stolen credit cards, please choose from the following options:

Turn your card off/on and report it as lost or stolen using Online or Mobile Banking¹. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.
Or for your Mastercard^® Platinum or Mastercard^® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, call (855) 510-4594.

Once your card has been cancelled, a new one will be mailed to you in 7-10 business days. Please check your account to ensure there are no unauthorized transactions.

How do I file a card dispute?

For debit card disputes:

Please call (866) 394-1205 during business hours and a dispute expert will help you file a claim.

For credit card disputes, please choose from the following options:

Log into Online Banking, click on your credit card account, and select "dispute" next to the applicable transaction.
Or to file a claim via phone for your Mastercard^® Platinum or Mastercard^® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, please call (855) 510-4594 to file a claim.
For all other disputes:
Visit a local Financial Center.
Call our Contact Center at (800) 845-0432.

Is there a difference between signing and using my PIN for debit card transactions?

Some merchants may require a signature (for example, restaurants), while others may offer you the option of "Credit" or "Debit/ATM" when processing your purchase.

If you select "Credit," the merchant may ask you to sign a receipt to authorize your purchase.
If you select "Debit/ATM," you will use your PIN to authorize your purchase.

If you have Premium Checking and you sign for your purchases, you will earn 1 uChoose Reward point per every $5 you spend.

How do I redeem points for merchandise?

Credit card and Premium Checking account holders can redeem points for rewards online.

To redeem points online:

Visit uChoose Rewards.
Select the “Merchandise” link to view the merchandise catalog.
Add the desired merchandise awards to your shopping cart for redemption.
Click on the "Proceed to Checkout" button to place your order online.
Enter your name, shipping address and a telephone number and click "Transmit Order" to submit your order.

You will receive a confirmation number after your order has been submitted.

Keep records of your order until you receive your award merchandise. Points can be redeemed for travel awards online or via phone.

Travel awards that can be redeemed through the uChoose Rewards Travel Agency include:

Airline tickets
Hotel certificates
Car certificates
Vacation packages
Experiences
Cruises

How do I make a credit card payment?

We offer several options to make your credit card payments:

Log in to Online or Mobile Banking¹ to transfer a payment.
Mail a payment to us.
Make payments at a financial center through a:
- Personal check
- Certified check or money order
- Cash, or
- Contact us to make a payment by phone.

Payments reflect on your credit card account within 2 business days after the payment has been made.

Why is a pending transaction different from the actual amount?

An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.

Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip.
Example: At gas pumps, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization for the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.

What should I do if my credit card is damaged?

From Online Banking:

Click on "Manage card."
Click on "Replace card."

From Mobile Banking¹:

Click on "Cards."
Click on "Replace card."

How do I enroll in eStatements for my credit card?

Log into Online Banking.
Click on your credit card.
Click on "Statements."
Select the toggle button to turn on paperless statements.

How do I get a copy of my credit card statement?

Log into Online Banking.
Click on your credit card.
Click on "Statements."

You can also access your credit card statements in Online Banking through "Manage Cards" and in Mobile Banking¹ through "Cards."

What can I do to protect my debit and/or credit card information?

It is important to monitor your statements on a monthly basis to ensure they are correct and that there are no fraudulent charges on your account. There are many ways to help ensure that your information is safe:

Only buy from reputable online merchants.
Never disclose your credit card number to anyone that calls and asks for it.
If your contact information changes, contact us as soon as possible to have it updated. This ensures that we can notify you quickly if suspicious activity is suspected on your account.

How should I notify you of my travel plans to maintain access to my debit and/or credit card(s)?

Please inform us of your travel plans in advance by following these steps:

Log into Online or Mobile Banking¹.
Click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking.
Select "Manage Travel Plans."

Need further assistance? Call us at (800) 845-0432 or visit a financial center.

How do I transfer funds from my credit card?

Transfers from your credit card, commonly known as a cash advance, can be done by:

Visiting a financial center with your credit card to make a cash advance.
Request

What is a finance charge and when does it occur?

A finance charge is the cost of consumer credit as a dollar amount and is determined by applying the monthly periodic rate to the average daily balance. For cash advances and balance transfers, finance charges begin to accrue on the transaction date. For purchases, finance charges begin to accrue on the transaction date or the first day of the billing cycle, whichever is later, if the new balance is not paid in full within 25 days after the billing date of the statement on which the purchase first appears.

Introductory APR will apply for 6 months to the balance of the purchases made within the first 60 days of card opening. After 6 months, your qualifying rate will apply to any remaining balance.

Rates based on creditworthiness and vary with the market based on the Prime Rate as covered in the Finance Charge section of your Agreement.

Please refer to your Credit Card Agreement for details and limitations on Rewards.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

This Platinum Credit Card Agreement and Disclosure, Cash Rewards Credit Card Agreement and Disclosure and World Credit Card Agreement and Disclosure reflects the provisions of the agreement and the pricing information in effect as of the date on the Agreement & Disclosure. Any agreements posted with the CFPB may reflect terms from the prior calendar quarter, which are no longer in effect.

APRs accurate as of 7/2/2023. Up to 2% Foreign Transaction Fee applies to Platinum Mastercard and Platinum Cash Rewards Mastercard. Balance Transfer Fee is 3% per transaction. Terms and Conditions subject to change without notice. Subject to credit approval.

Our credit cards turn every purchase into a rewarding experience.

Select the options that fit your needs and we'll recommend the best solution.