Georgia’s Own Credit Union Classic Visa credit cardholders aren’t able to join the ScoreCard rewards program and they don’t get any bonus points for being approved for a new line of credit. However, this is a great basic credit card for applicants that may still be working to improve their credit ratings.
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The online application process makes it easy for consumers to signup for this card, but it is still their responsibility to learn about current federal credit card laws to avoid defaulting on their accounts. You can learn more about credit card fees and terms at the Federal Reserve’s online Consumer’s Guide to Credit Card Fees.
Georgia’s Own CU Classic Visa Credit Card Details
Besides having a low interest rate, there are several other advantages to having a Georgia’s Own Credit Union Classic Visa. For credit card consumers that like to travel safely and have their purchases guaranteed, this line of low-interest credit cards ensures the very best in consumer protections. Visa’s additional warranty manager makes it possible for cardholders to get their financed products fixed or replaced when the manufacturer or merchant is non-responsive.
Georgia’s Own CU Classic Visa credit cardholders will not be held liable for any charges made if their credit card or account number becomes compromised. All credit card companies are required to cover any fraudulent credit card transactions made over the amount of $50, but Georgia’s Own Credit Union goes a step farther by offering 0% liability.
Georgia’s Own CU Classic Visa Fees
The only fees that Georgia’s Own CU Classic Visa cardholders are responsible for are foreign transaction charges, late fees, over-the-limit penalties, and returned check penalties. You may also be charged a higher APR if you become 60 or more days delinquent on your credit card account.
Only 1% interest is charged when you utilize your line of credit outside of the United States. After establishing a history of making timely payments, cardholders can ask Georgia’s Own Credit Union to graduate their accounts.
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