MCCU VISA Credit Cards

 

 

Get the credit you deserve. Request a Mid Carolina Visa Credit Card.

  • Enjoy the benefits and buying power you want, with a new Visa credit card from Mid Carolina Credit Union.
  • Save money with a low percent APR on purchases.
  • Get the spending flexibility you need to cover small and large purchases, from gas to new furniture. Even take care of household bills.
  • Receive protection against fraud with the Visa Zero Liability policy.* If your card is ever lost or stolen, you’re not responsible for purchases you didn’t make.
  • Enjoy worldwide acceptance. You can use your card at millions of places, including online and over the phone.

Mid Carolina Credit Union Visa Advantages

  • Annual Percentage Rate (APR) for Purchases
    9.90% to 11.90% when you open your account, based on your creditworthiness.
  • APR for Cash Advances
    9.90% to 11.90% when you open your account, based on your creditworthiness.
  • No Annual Fee
  • Spending Flexibility
  • Fraud Protection*
    Local Service at your nearest Mid Carolina Credit Union branch with staff you already know.
 

 

Lost or Stolen Card

CREDIT CARD

Regular Hours: (803) 432-8521
After Hours: 1-800-433-5226

 

 

CardValet

Take Control of Your Credit Card!

CardValet is a FREE card management and fraud protection tool for Mid Carolina Credit Union cardholders. CardValet offers real-time card controls, helping cardholders manage their finances by specifying how, when and where their card is used, with just a few taps on their smartphone. CardValet is ideal for Mid Carolina CU members with a Visa debit or credit card who want to proactively manage their card through their mobile device. 

Take Control of Your Debit & Credit Card!

CardValet is a FREE card management and fraud protection tool for Mid Carolina Credit Union cardholders. CardValet offers real-time card controls, helping cardholders manage their finances by specifying how, when and where their card is used, with just a few taps on their smartphone. 

CardValet is ideal for Mid Carolina CU members with a Visa debit or credit card who want to proactively manage their card through their mobile device. Key benefits for cardholders include:

  • You can actively manage your money and take charge of your card usage.
  • Parents can remotely control and monitor their children’s spending.
  • All cardholders can monitor transactions to protect their accounts.

With CardValet, you can control your spending and protect yourself against fraud, all through a simple, easy-to-use app on your mobile device.

Alerts

  • Alerts can be set up to inform you of specific types of transactions
  • You can be alerted when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined. 
  • Alerts are sent in real time, immediately after the transaction has taken place or has been declined. 

Card On/Off Setting

  • When the card is "On", transactions are allowed in accordance with your usage control settings.
  • When the card is "Off", no purchases or withdrawals are approved until the card is subsequently turned back "On". This control can be used to disable a lost or stolen card. 

Card Usage Controls

  • Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed predefined thresholds. 
  • Transactions can be monitored or controlled for specific merchant categories such as gas, hotel, travel, restaurants and groceries. 

Location-Based Controls

  • The My Location control can restrict transactions to merchants located within a certain range of your location using the phone's GPS location. Transactions requested outside of the specified range can be declined. 
  • The My Region control uses city, state, country or zip code on an expandable interactive map; transactions requested by merchants outside of a specific region can be declined. (NOTE: international transactions will still need to be set by contacting Mid Carolina Credit Union)