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Credit Cards

Need to make your GEMC CU Credit Card payment? Use the EZCardInfo site to view credit card activity and make payments. If you cannot access your credit card through EZcard info, please contact card services at 1888-959-7132 ext 5 and we will assist you.

GEMC Credit Union (GEMC CU) 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 CU Credit Cards come with comprehensive fraud protection, ensuring that your account is always safe and secure.

GEMC platinumVISA® Platinum

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.

Apply Now


Visa ClassicVISA® Classic

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.

Apply Now


Visa SecuredVISA® Secured


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 CU 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.

Apply Now


Another easy-to-use feature that comes with your GEMC CU Credit Card is eZCardInfo. When you sign on to, you can check your real-time account activity, view your statements and make payments on your card at any time, from anywhere.

Sign into EZCardInfo

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 CU Credit Card, please read the Consumer Credit Card Agreement.

VISA® Disclaimer

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**
Annual Fees: None None None
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 CU
**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

Written Inquiries:
GEMC Credit Union
2100 East Exchange Place, Suite 101
Tucker, GA 30084

Nearest GEMC CU Location or:
P.O. Box 31021
Tampa, FL 33631-3021

VISA Account Updater

Effective October 1, 2017, your GEMC CU 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:
  • Netflix, Hulu, or other streaming services
  • Monthly Utilities
  • Gym Memberships
  • Insurance Premiums
  • Recurring charitable donations
  • Uber, Lyft, or other ride services
  • Online shopping websites
  • Online payment services
  • Prescriptions

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 CU debit and/or credit VISA card.

HOW TO OPT OUT:  To OPT-OUT, complete the form below and click SUBMIT.

QUESTIONS:  Call Member Services.

* Required Fields

    • * Type of Card

    • * Agreement

    • I wish to opt out of VISA® Account Updater (VAU) for my GEMC CU Debit and/or Credit Card. I understand it will be my responsibility to notify merchants, who maintain my card on file information for recurring payments with any updated information regarding my GEMC CU Debit and/or Credit Card.

    • * Date
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