*APR=Annual Percentage Rate as of 10-1-2020. 0% introductory APR for 12 months, based on your creditworthiness, available on Platinum cards only. Not every applicant approved for the Platinum card will qualify for the intro rate. After that, your APR will be 8.99%-11.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate of 3.25% plus a margin. Balance transfer, cash advance, foreign transaction, and other fees may apply. Balance transfer fee waived for transfers made prior to 12-31-2020. Existing Southland loans do not qualify for intro rate or fee waiver for transfers, transfers must be from another financial institution. Terms, features, programs, and conditions subject to change. Minimum monthly payment is 1.75% of the account balance or $15. Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. See VISA Credit Card Agreement for complete details. **To earn 10,000 bonus points, Platinum cardholder must make a cumulative $1,000 in purchase transactions between October 1 and December 31, 2020. Balance transfers do not qualify for rewards points. Rewards Program conditions and restrictions may apply.