Manage your Cards

A finance charge is determined by applying your monthly periodic rate to the average daily balance in a billing cycle.
Finance charges are charged on any amount of the “new balance” on your credit statement that is not paid by the due date printed on the statement.

We offer several options to make your credit card payments:

• Log into Online Banking to transfer a payment.

• Mail a payment to us.

• Make payments at a financial center through a:

  • Cash advance

  • 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. ^mobileSouth Carolina Federal Credit Union provides Mobile Banking as a free service. Consult your provider for any fees associated with your mobile web service, such as message and data rates test.

Online:

• Go to Online Banking

• Click "Fiserv Online Account Management"

• Click "Account Information"

• Click "Account History"

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 the gas pump, 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 in 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.

Before filing a dispute, contact the company who processed the item to resolve with them. They may require you to supply proof of the charge such as:

• A receipt
• A copy of your account history or
• Statement

If you cannot reach a resolution with the merchant, you have 60 days from the statement date of which the transaction occurred to file a dispute.

For Debit Card disputes:

• Visit a local financial center to fill out a dispute form or Contact Us to request a dispute form mailed.

For Credit Card disputes:

• Contact Cardholder Services at 843-797-8300.
• Visit a local financial center to fill out a dispute form.

After the dispute form is submitted:

• The dispute form is forwarded to our card processor for investigation.
• For Credit Cards, interest will not be charged on the amount disputed.
• You may be contacted by our credit card processor through the mail if more information is required.
• Follow all instructions on letters from the credit card processor promptly. If the forms are not completed and returned, the dispute will be closed.

For damaged credit cards:

• Sign in to Online Banking.

• Click on credit cards.

• Click on Manage card.

• Click on Replace card.

Enroll your debit (if you have Premium Checking) at uChooseRewards.com. Points can be redeemed for merchandise, travel, activities and more.

What we offer:

• Points are earned on signature-based transactions only.

• MasterCard^® Business Debit Card holders will earn 1 point for every $5 dollars on all signature-based transactions.

• Points can be redeemed at www.uChooserewards.com.

• Points are redeemable for up to 5 years from the date of purchase.

• Each debit card on the business account will receive points for signature-based transactions.

What to expect:

• You will need your 16-digit business debit card number.

• Initial log in- you will be registering the card (the last 4 of the EIN/TIN will be required).

• You will be asked to create a User ID and new password.

• If you have already earned points, you will see your totals.

• uChoose Rewards will keep track of your points for you.

• Points are posted between the 15th and the 25th of the following month.

To receive your card today, visit a local financial center or Contact Us to request a card by mail.