The Carolinas Telco Visa Platinum Fair Credit is a personal credit card from Carolinas Telco Visa Platinum. The annual fee is $0. The ongoing APR is 12.99%-22.99% after a 0% for 12 months introductory rate for 9 months. Approval typically requires a credit score of 650 or higher. Rewards: 2% Cash Back. Cash back: 2%. Typical credit limit: $500-$15,000.