S.C. State Credit Union Classic Visa Credit Card

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S.C. State Credit Union Classic Visa Credit CardThis Classic Visa from S.C. State Credit Union is a great choice for someone just starting out with credit cards. While the cardholder might need to have some type of credit history to be approved, their personal credit score does not have to be as high for this card as it would for a Visa Gold or Visa Platinum card. The cardholder could easily use this Classic Visa as a first step to building a very impressive credit score.

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The first thing that anyone who wants to improve their credit score should do is make sure they really understand how credit actually works. A credit score can be affected by much more than just credit card use. The Federal Trade Commission explains this topic in great detail in its Facts for Consumers.

S.C. State Credit Union Classic Visa Rates

This credit card has one of the higher interest rates of all of the S.C. State Credit Union credit cards. The interest rate for cash advances, balance transfers, and purchases is 15.9%.

This rate might be high by this credit union’s standards, but it is still very low compared to many cards on the market.

It is very unusual for the rate for cash advances to be the same as the purchase interest rate, so that is something else that sets this card apart from most.

S.C. State Credit Union Classic Visa Fees

One of the biggest things that differentiates this credit card from others is the lack of fees. There is no annual fee, which is actually quite common, but there are also no real transaction fees. Most credit card companies charge for transactions like cash advances, foreign transactions, and balance transfers, but this card does not.

There are also very few penalty fees with this S.C. State Credit Union Classic Visa credit card. There is no fee for exceeding the card’s credit limit. When it comes to late payments and returned payments, the cardholder will be charged up to $25. This depends on the total payment that is being returned or that is late.

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