Thank You for Claiming your Pre-Approved LimeRewards Visa® Credit Card!*

DON'T WAIT - APPLY TODAY!

With Introductory 0.00% APR on Purchases and Balance Transfers for 12 Months!**

Plus, Earn Unlimited 1% Cash Back on Purchases and Balance Transfers!^

What Will You Like Best About Your Carolina Trust FCU LimeRewards VISA Credit Card?

The deadline to apply is January 31, 2021 so act today!

* Subject to final credit approval. See Below for Terms and Conditions. Pre-approved offer expires after December 15, 2020.
** APR=Annual Percentage Rate. After the 12-month promotional period ends, your APR will range from 10.24% to 16.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Approved line of credit subject to credit worthiness. See Reverse for Important Rate, Fee and Other Cost Information. Offer not applicable to current Carolina Trust credit cardholders.
^ LimeRewards cardholders receive 1 point for every dollar in net purchases and balance(s) transferred from an external third-party creditor. Points may be redeemed for the following: (1) cash back at the prescribed Program rate; (2) to order gift cards or the merchandise described on the Program rewards website accessible via Carolina Trust online banking login; or (3) Travel rewards as identified on the Program rewards website and/or your Program materials. Eligible cash back redemptions may be credited to the cardholder’s CTFCU account via a direct deposit or as a CTFCU Visa statement credit. Non-qualifying transactions include: cash advances, ATM withdrawals, convenience checks, balance transfers, and any PIN (Personal Identification Number) transactions, except as otherwise permitted in special promotional offers. Other restrictions apply and may vary based on redemption option and delivery method.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

LimeRewards Visa® Benefits

Cardholder Inquiry Service
Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.

Lost/Stolen Card Reporting
With the Visa Lost/Stolen Card Reporting service, reporting a lost or stolen card is simple. Just call Visa Global Customer Care Services at 1-800-847-2911, or call one of our global toll-free numbers and a Visa representative will work with you to notify the appropriate parties and replace your card.

Emergency Card Replacement & Emergency Cash Disbursement
Visa will block your card (if the card number is known) and connect you with your credit union. Following credit union approval, cardholders can also get an emergency card replacement within one to three business days (some restrictions/limitations apply). Alternatively, Visa can arrange for cash to be available at a location near you usually within hours of your credit union’s approval.

Auto Rental Collision Damage Waiver
Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa card and decline the rental company’s collision damage waiver (CDW) coverage if offered by the auto rental company. Available to all Visa Standard Credit, Visa Rewards Credit, Visa Signature®, Visa Signature Preferred® and Visa Premium Rewards cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Zero Liability
Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy*, your liability for unauthorized transactions^ is $0—you pay nothing.

*Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

^Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.

Roadside Dispatch®
As a Visa cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program.

TERMS AND CONDITIONS

This offer is based on an initial assessment that you met Carolina Trust Federal Credit Union’s (“Credit Union,” “we,” or “us”) initial criteria for creditworthiness. This offer is nontransferable and is void to residents of GU, PR, VI, and all other U.S. dependent areas. The terms of this offer may not be applied to existing Credit Union accounts. By signing and returning this offer, you certify having read and understood the terms and conditions of the offer, and that the information you have provided is accurate and complete. You certify that you are at least 21 years of age and a U.S. citizen or permanent resident alien of the United States. You authorize Credit Union to review your credit report, employment history, and any other information in order to process your acceptance certificate. If you ask, we will tell you the name and address of any consumer reporting agency that provided such report(s) to us. You understand that the minimum approved credit line is $500, and that the credit line on your account will be based on various factors, including income. We maintain the right to not extend the offered credit if: (a) the information you provide is incomplete, inaccurate, or cannot be verified, or if you no longer meet our standards for creditworthiness; (b) your name and/ or mailing address have been altered; (c) we receive your response after the offer has expired; or (d) the income you report on your acceptance certificate is insufficient to support the opening of an account. We have the right to change the account terms (including the APRs) in accordance with applicable law and the Account Agreement.

CA Residents: If you are married, you may apply for a separate account. NY, RI and VT Residents: We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WI Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.

PRESCREEN & OPT-OUT NOTICE:

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374.

If you are applying for a balance transfer(s): Balance transfers are contingent upon issuance of your account with us. You authorize Credit Union to charge your approved Credit Union credit card account for the amount(s) indicated on your Acceptance Certificate. Balance transfers are processed in the order listed on your Acceptance Certificate. The total amount of your request(s), including any balance transfer fees, cannot exceed your available credit. If your request(s) exceeds the amount we approve, we may either decline the request or send less than the full amount to your designated payee. Continue to make payments on your other accounts until you have confirmed the balance transfer(s) has been received. You can’t transfer balances to pay off other accounts issued by Credit Union.

Carolina Trust Federal Credit Union Disclosure Information

Visa® LimeRewards and Visa® LimeRewards CCU Affinity

Interest Rates and Interest Charges

Annual Percentage Rate (APR)* for Purchases
0.00% introductory APR for 12 months from open date. After that, your APR will range from 10.24% to 16.24% based on creditworthiness. This APR will vary with the market based on the Prime Rate.

APR* for Balance Transfers
0.00% introductory APR for 12 months from open date.
After that, your APR will range from 10.24% to 16.24%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.

APR* for Cash Advances
Your APR will range from 10.24% to 16.24%, based on creditworthiness.
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies
17.99%
This APR may be applied to your account if you:

• are over 60 day past due or

• make a payment that is returned and causes your account to be over 60 days past due

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make at least six (6) consecutive minimum payments when due. (See cardholder agreement for complete details.)

Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by your due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge
None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set-up and Maintenance Fees

• Annual Fee - None

• Additional Card Fee - None

Transaction Fees

• Balance Transfer - 3% or $10, whichever is greater, of each transfer

• Cash Advance - 3% or $10, whichever is greater, of each advance

• Foreign Transaction -

Up To 1% of each transaction in U.S. dollars if the transaction involves a currency conversion

Up To 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Set-up and Maintenance Fees

• Late Payment** - Up To $25

• Over-the-Credit Limit - None

• Returned Payment - Up To $29

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” (See cardholder agreement for complete details.)

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

*Variable Rate Information: Your APR may increase or decrease. Rates are determined and adjusted monthly on the first business day by adding a Margin to the highest U.S. Prime Rate published in the Wall Street Journal on the first day of the previous month. The Margin is determined based on an evaluation of each member’s credit history. The Margin will range from 6.99% to 12.99%.

**Late Payment Fee: You will be required to pay a late payment fee of $25 if you do not pay at least the minimum payment by the payment due date on your statement. Carolina Trust Federal Credit Union may also assess the late payment fee every month thereafter that you are past due.

Effective Date: The information about the costs of the card described in this application is accurate as of October 1, 2020. This information may have changed after that date. To find out what may have changed, call 888-448-2133 or 843-448-2133 or write to us at Carolina Trust FCU, PO Box 780004, Myrtle Beach, SC 29578-7804.