GEMC Federal Credit Union (GEMC FCU) is proud to offer you a great selection of VISA® Credit Cards from VISA®. Each card comes with its own benefits, but all of them feature competitive rates and services.
GEMC FCU Credit Cards come with comprehensive fraud protection, ensuring that your account is always safe and secure.
Our Platinum Card offers a consistent low rate year-round. With the added perk of increased spending flexibility, it is the perfect fit for someone with great credit looking for a reliable credit card.
Our Classic VISA® Card is for members with good credit who want a card with a low rate and no hidden fees (see Card Agreement Statement). With no annual fee, and a low APR, the Classic Card is a great way spend and build credit.
VISA® Secured Credit Card is for members looking to rebuild poor credit. To open the card, you must have 125% of your desired credit limit held on deposit in a GEMC FCU account. That money is still your own, but it ensures the safety of your credit loan. This way you can rebuild your credit by steadily paying back your payments until you have a strong credit score again.
Another easy-to-use feature that comes with your GEMC FCU Credit Card is eZCardInfo. When you sign on to www.ezcardinfo.com, you can check your real-time account activity, view your statements and make payments on your card at any time, from anywhere.
Please review the chart below to find the best option for you. If you would like more information about our Credit Card options (including current rates, terms and conditions), or if you would like help choosing one, feel free to call us at 470-514-3000.
Before you apply for a GEMC FCU Credit Card, please read the Consumer Credit Card Agreement.
|Designed for:||Members with excellent credit who want a card with a low rate and increased spending flexibility.||Members with good credit who want a card with a low rate.||Members looking to establish or re-establish credit. (Student Version is also available.)|
|Rate:||8.90% APR**||11.90% APR**||16.90% APR**|
|Grace Period:||25 Days||25 Days||25 Days|
|Credit Lines Begin At:||$5,000||$500||$500|
|Account Set-Up Fees:||None||None||$25
125% of desired credit limit held on deposit with GEMC FCU
|**APR: Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Call us at 470-514-3000 for current rates, terms and conditions.|
|For Credit Card Tips from the CFPB:||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/learnmore|
GEMC Federal Credit Union
2100 East Exchange Place, Suite 101
Tucker, GA 30084
Nearest GEMC FCU Location or:
P.O. Box 31021
Tampa, FL 33631-3021
VISA Account Updater
Effective October 1, 2017, your GEMC FCU VISA Debit and/or VISA Credit card will provide the automatic Account Updater free convenience service.
Are there merchants to whom you have given your VISA Debit or VISA Credit card to keep on file for recurring payments? If so, this applies to you.
Whenever you receive a new, or renewed, VISA card, your old card's information (i.e.., card number and expiration date) will automatically update to the new card's number and expiration date - for participating merchants with whom you maintain your card on file for recurring payments.
|Some examples of recurring card transactions:||Some examples of account-on-file transactions:|
YOU MAY OPT OUT: If you do not want to utilize this convenience, you may OPT-OUT. If you opt-out of this automatic update, it will be incumbent upon you to manually update your auto-charge merchants whenever you receive an updated GEMC FCU debit and/or credit VISA card.
HOW TO OPT OUT: To OPT-OUT, complete the form below and click SUBMIT.
QUESTIONS: Call Member Services.