The PSA definition of Creative is "Altered Reality." The image must obviously display a change in natural color, form, shape, or any combination of these three. Creative images are often montages (a blending or composite of multiple images). High Dynamic Range (HDR) images without further changes are not considered "altered reality." All component images must be original and may not incorporate elements produced by anyone else.
N4C states, " Creative photography is an opportunity for those who dare to explore the experimental and creative forms of photographic expression. These will include, but not be limited to derived images, ultra-high contrast, black light, bas-relief, solarization, multi-images, trick lenses and filters, and other ways to alter the image to produce a new abstract effect. Just about anything goes. The important thing is the result, not the means to create it. This area of photography bridges between photographic realism and creative art." All image content must be the work of the maker. The image may be modified by the use of plug-ins, filters, brushes, etc. The use of textures and backgrounds, whether the maker's original work or commercially available, is permitted.
Text should not be added to images.