TLC Visa® Credit Card

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TLC Visa® Platinum Credit Card

TLC Community Credit Union gives you purchasing power and convenience through our TLC Visa® Platinum credit card. Our TLC Visa is accepted worldwide – in Michigan and beyond – giving you complete freedom to bring the perks of being a TLC member worldwide.

Our competitive rates start as low as 7.95% APR and come with no annual fees . But that’s not all, a TLC Visa® credit card comes with:

  • Fast approval
  • Worldwide acceptance & cash advances
  • Emergency cash and card replacement
  • Visa® 911 assistance service 
  • TLC Rewards and special offers
  • To view the cardholder agreement, CLICK HERE , Over limit opt in/out CLICK HERE , solicitation disclosure, CLICK HERE

Your Benefits

Auto Rental Collision Damage Waiver When you use your eligible TLC card to rent a vehicle, you can be covered for damage due to collision or theft. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 348-8472
Cellular Telephone Protection Reimbursement up to $250 per claim/$500 per 12 month period. Subject to a $50 deductible.
You can receive supplemental coverage for damage or theft of your covered cell phone when you pay your monthly wireless bill with your eligible TLC card. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered TLC card. Please refer to your Guide to Benefits for further details. (866) 894-8569
Hotel Theft Protection Reimbursement up to $1500.
When you use your covered TLC card to pay for a hotel room in the U.S. or Canada, Hotel Theft Protection can provide reimbursement for personal belongings stolen from your room. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 554-1275
Lost Luggage Reimbursement Reimbursement up to $3,000.
When you use your covered TLC card to purchase a common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the common carrier. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 757-1274
Price Protection Reimbursement up to $1,000 if you buy an eligible item with your covered TLC card and find the same identical item advertised for less within 60 days of purchase, you can be reimbursed for the difference in price. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 553-7520
Purchase Security and Extended Protection Reimbursement up to $1,000.
Purchase Security provides reimbursement up to $1,000 for eligible items you buy with your TLC card for damage or theft within 90 days of your purchase. Extended Protection will add up to one additional year of coverage to your existing U.S. manufacturer’s warranty of three years or less. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 848-1943
Return Protection
Reimbursement up to $250.00.
You can be reimbursed up to $250 for an eligible item if you are dissatisfied with your purchase and the merchant will not accept the return within the first 90 days of purchase. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800) 565-8472
Roadside Dispatch
Roadside Dispatch provides emergency roadside assistance, towing and locksmith services. You pay a set fee per service call. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. (800 ) VISA-TOW ( (800) 847-2869)
Travel Accident Insurance
Reimbursement up to $250,000.
When you purchase your common carrier ticket with your eligible TLC card you can receive accidental death and dismemberment coverage. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details.
Travel Emergency Assistance Services
Provides medical, legal, and travel services when you need them. The cost of any goods or services is your responsibility. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details. In the U.S. (800) 992-6029 Outside the U.S. (804) 673-1675
Trip Cancellation / Trip Interruption
Reimbursement up to $5,000.
When you purchase your travel ticket with you eligible TLC card and you must cancel or interrupt your trip, you can be reimbursed for the non-refundable cost of the common fare. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered TLC card to secure transactions. Please refer to your Guide to Benefits for further details.


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TLC Expiration Dates for Visa® Debit and Credit Cards

  • TLC credit and debit cards expire at the end of the month stated on your card
  • Some auto-pay merchants assume the card expires the 1st of the month and will send an alert to you telling you the card has expired. (This happens before they even attempt to charge your card.)
  • TLC replacement cards arrive around the middle of the month they expire
  • For security reasons replacement DEBIT and CREDIT cards come in unmarked envelopes. The envelope itself has no writing on it. The return address is PO Box 1516 which is TLC's lock box. Be on the lookout for these envelopes the month your card expires.


Over the Limit Access

TLC has the option of allowing our members to go over their credit limit. In order to do so, we ask that you “Opt in”. When you “Opt-in” it allows us to approve your purchase when we would ordinarily decline it. LEARN MORE .

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Earn "EXTRA" with your TLC Platinum Visa® Credit Card

All TLC Community Credit Union Platinum Visa® Credit Card holders are also enrolled in the "TLC Rewards" program.

There are several ways you can use your  Platinum Visa® Credit Card  to earn additional points and take advantage of special offers.  LEARN MORE.


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