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Visa Account Access Go to the Edge

Student VISA® Credit Card

Credit is an agreement in which you get something now by promising to pay for it later and by paying interest on the borrowed amount. Interest is the amount you pay us for letting you borrow money. (You see interest in the form of a percent.) There are several types of credit, including credit cards.

It is up to you to establish your credit. This may be hard to do at first. You have no credit history, so many places won’t lend you money. We want to help you get started.

If you are 16 or older and have an Alabama Telco Edge account and Choice Checking account, you are eligible to apply for our Student Visa Credit Card. (If you are under 21 years of age with no independent income, a qualified parent or legal guardian must be a joint on the account.)

With our Student Visa card, you get:

  • Up to a $500 Credit Limit – the right amount to get your feet wet!
  • A low 6-month introductory rate of 4.99% APR. After the Introductory Rate Period, your rate will convert to 9.90% APR. Rate accurate as of 3/10/11. This is very low, but don’t take our word on it. Check out what other banks charge!
  • Low fixed rates (You still enjoy paying little interest after the first six months.) Fixed is key here. Your rate does not move up and down like the latest trends.
  • No annual fee (You don’t have to pay every year to have it.)
  • Visa Zero Fraud Liability (Use your Visa card to shop online, in a store or anywhere, and you’re protected from someone stealing your card or account information.)
  • Emergency card disbursement and card replacement (You can get emergency cash when you need it or card replaced 24 hours a day, seven days a week.)
  • Special discounts at select stores, restaurants, hotels and more.

Talk to your parents about being a co-applicant, and click the link below to apply for your Student Visa today.

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