Visa Zero Liability: No liability to you for unauthorized purchases whether online or in-person (does not apply to ATM transactions). Other restrictions apply.
Visa Secure: An extra layer of security to protect your identity and your shopping experience online.
Concerned about fraud? You’ll receive a phone call, text alert, and email about any transaction flagged as fraud on your card. Simply reply Yes or No to the message. Remember – our messages will never ask for your PIN or account number.
cell phone protection
Protect your phone simply by paying your monthly cell phone bill with your Charlotte Metro Visa Platinum, Platinum Rewards, or Platinum Secured credit card. Coverage includes up to $250 per claim for a maximum of $500 per 12-month period.
To file a claim, call 866.894.8569 within 60 days of your loss / damage. For full details, refer to the Guide of Benefits.
auto rental collision damage
Planning to rent a vehicle with your Skyla Visa Business Platinum credit card? The Auto Rental Collision Damage benefit offers insurance coverage that provides reimbursement for:
Physical damage and / or theft of the covered rental vehicle
Valid loss-of-use charges imposed and substantiated by the auto rental company
Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair facility
To report theft or damage, call 1.800.348.8472 (or collect at 804.673.1164 if you are outside the US) within 45 days from the date of the incident. The Benefit Administrator will answer any questions you or the auto rental company may have and will send you a claim form. For full details, refer to the Guide of Benefits.
lost or stolen card?
To report, call 704.375.0183, 24 hours / day.
Think you just misplaced it? Log in to Online or Mobile Banking and navigate to Card Controlsto freeze your card until you’re able to locate it.
1Variable rate information: The Annual Percentage Rate may increase or decrease if the Prime Rate Index “PRI” increases or decreases. The PRI is the highest prime rate published in the Wall Street Journal on the last business day of the month. If this index is no longer available, the credit union will choose a new index which is comparable to the index described herein.
2During the first twelve (12) months from account opening, the rate for purchases and balance transfers will be 0.00% Annual Percentage Rate (APR). After the twelfth (12) month, your balance for purchases and cash advances will adjust to the rate in your credit card agreement. As of the first day of each month, the APR for variable rate Visa credit cards ranges from 7.65% to 17.95%. This rate will change with the market based on the Prime Rate. Rates are subject to change without notice. APR may vary depending on a review of your credit score and other underwriting factors. Balance transfer amounts may not exceed your approved credit limit. Standard underwriting terms and conditions apply.
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