Credit Cards

2.49% APR

FOR 13 MONTHS
NO TRANSFER FEES*

For a limited time, we’re inviting our qualified members to transfer higher interest
card balances to our Visa® Platinum Credit Cards for 2.49% APR for 13 months. Best
of all, we’ll waive your balance transfer fee!

Don’t let this opportunity pass you by - offer ends Nov. 29, 2019.

Combine and Kick Back

Credit Cards to Fit Your Needs

All Visa® Platinum Credit Cards offer:

  • No annual fee
  • 25-day grace period (average) on purchases
  • Live representatives available 24/7, call 1-800-622-5305
  • EMV chip-enabled cards
  • Enhanced fraud protection
  • Visa® Zero Liability Protection
  • 24/7 fraud monitoring
  • Manage your account online
  • CardValet®

2% Cash Back Visa® Platinum Credit Card

Visa® Platinum Low Rate Credit Card

Visa® Platinum Secured Credit Card

 

 

How to Apply:

  • Apply online
  • Stop by your local branch office
  • Call us toll-free at 1-800-622-5305

Contact us immediately to file disputes or notify us of a lost or stolen card

Lost, stolen, or compromised - Visa® Platinum Credit Card or Visa® Debit Card
During and after business hours, call 1-800-622-5305.

Lost, stolen, or compromised - ATM card
During and after business hours, call 1-800-622-5305.

Other unauthorized access on your account
During and after business hours, call 1-800-622-5305.

 

Please be sure to review your credit card agreement upon receipt along with Visa's Zero Liability Policy.

For a copy or your agreement here, call 1-800-622-5305, or visit your local branch.

Due to the potential of fraud on Visa®cards, they offer Visa's Zero Liability Policy*.

 

 

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CardValet®

Save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket.

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Visa Account Updater

Your CTFCU credit and debit cards are automatically enrolled in this service, at no additional cost to you.

You will receive a disclosure with rates and terms specific to your account when your credit card is opened. This disclosure provides specific details regarding your Visa® Platinum Credit Card including rates, fees, and terms.

~The use of a Secured Visa® Platinum Credit Card is not guaranteed to improve or establish your FICO® score, or guarantee approval for another loan product. Your loan request will be evaluated based on your individual creditworthiness at the time of loan application. The rate and terms will be set based on a review of income, verification of employment, loan-to-value assessment, and other underwriting guidelines.

Balance Transfer Offer: This offer expires 11/29/19. To guarantee promotional rates and terms, your application must be received no later than 11/29/19, and the balance transfer process must be fully completed by 12/29/19, to be eligible for this offer. Offer does not apply to balances currently held on any Carolinas Telco Federal Credit Union Visa® Platinum Credit Card. The card must be received and activated before a balance transfer can be processed. Any balance transfer requests which fall outside of this expressed time frame will not receive the promotional rates or terms as listed in this offer, without exception. All approved balance transfer applications will receive 2.49% APR on the balances transferred for the first 13 billing cycles. During this period, balance transfer fees charged will be waived on all qualifying transfers with this offer. APR = ANNUAL PERCENTAGE RATE. The ANNUAL PERCENTAGE RATE you receive may vary, based on certain individual creditworthiness criteria.
The standard APR and terms (governed by your credit card agreement) will apply to any other activity performed on your credit card account, not related to this offer (ex. purchases, cash advances, etc.). The introductory APR for balance transfers and the waived transfer fee will apply to transferred balances which post to your account between 9/3/19 and 12/31/19. The final transfer amount is limited to your account’s available credit at the time when the balance transfer is processed. Pending transactions, fees, or other restrictions could affect the amount of available credit on your account. After the promotional period has ended, your APR on transferred balances will revert to the standard purchase rate based in part on the prime rate in effect at that time (as listed in the Wall Street Journal) and the terms of your credit card agreement.
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply the prevailing non-promotional APR, if you are at least 60 days late in making a payment during the promotional period or engage in any activity as listed in your credit card agreement which could result in loss of promotional terms.
Minimum age required: 21 years, unless financial information has been submitted indicating the member has an independent ability to make the required minimum periodic payments or a signed agreement of a cosigner, guarantor, or joint applicant who is at least 21 years old. Your loan request will be evaluated based on your individual creditworthiness at the time of loan application. Rates and terms will be set based on a review of income, verification of employment, debt to income assessment, and other underwriting guidelines. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, call us at 1-800-622-5305. For new credit card applications, apply online at ctelco.org. For current CTFCU Visa® Platinum Credit Card holders, balance transfer requests can be processed through your card’s online account management portal or by calling 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.

All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: October 16, 2019. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.

**uChoose Rewards® is a program which earns points for every purchase made with a CTFCU 2% Cash Back Visa® Platinum Credit Card. When points are redeemed, they are credited to the balance on your credit card. All CTFCU 2% Cash Back Visa Visa® Platinum Credit Cards are automatically enrolled in the program, and will start earning points the first time a purchase transaction is made with your new credit card; Points will accrue, redeem for cash, and post automatically to your account each quarter. The total number of points will display on the monthly account statement. To review or track point balances online, the card must be registered through the "Credit Card" tab in NetBranch Online Banking (or by visiting www.uchooserewards.com ). Each point is worth 1 penny, and you'll earn 2 points for every $1 dollar spent on eligible purchases (excluding balance transfers, cash advances; either through an ATM over the counter, or using convenience checks).

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