The Carolinas Telco Federal Credit Union Visa Platinum Fair Credit is a personal credit card from Carolinas Telco Federal Credit Union Visa Platinum. The annual fee is No Annual Fee. The ongoing APR is 13.95% Low Rate Card after a 0% APR 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.