
General Electric Credit Union The Classic Card
in Personal Credit Cards from General Electric Credit Union
UnaffiliatedGeneral Electric Credit Union The Classic Card
in Personal Credit Cards from General Electric Credit Union
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Purchase APR (Variable APR) | 7.24% - 13.24% |
Balance Transfer APR (Variable APR) | 7.24% - 13.24% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
General Electric Credit Union The Classic Card Review
This is a credit card issued by General Electric Credit Union. If you're wondering whether General Electric Credit Union The Classic Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. General Electric Credit Union The Classic Card has a variable purchase APR that ranges from 7.24% up to 13.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. General Electric Credit Union The Classic Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
The Good | The Bad |
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Does General Electric Credit Union The Classic Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the General Electric Credit Union The Classic Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for General Electric Credit Union The Classic Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 7.24% up to 13.24%. The card has a variable balance transfer APR that ranges from 7.24% up to 13.24%. It also has a variable cash advance APR that ranges from 7.24% up to 13.24%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does General Electric Credit Union The Classic Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 7.24% - 13.24% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 3% |
Does General Electric Credit Union The Classic Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for General Electric Credit Union The Classic Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1.5% |
Returned Payment Fee | $32 |
Late Payment Fee | up to $32 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does General Electric Credit Union The Classic Card have a foreign transaction fee?
General Electric Credit Union The Classic Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for General Electric Credit Union The Classic Card?
The General Electric Credit Union The Classic Card customer service number is (513) 243-4328.
Does General Electric Credit Union The Classic Card report your account activity to credit bureaus?
Yes, General Electric Credit Union The Classic Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for General Electric Credit Union The Classic Card
- Visit the General Electric Credit Union The Classic Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
10485 Reading Road
Cincinnati, OH 45241 - (513) 243-4328
- Visit Site
About General Electric Credit Union The Classic Card

Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
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