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  General Electric Credit Union The Classic Card

General Electric Credit Union The Classic Card

in Personal Credit Cards from General Electric Credit Union

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General Electric Credit Union The Classic Card

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in Personal Credit Cards from General Electric Credit Union

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Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of General Electric Credit Union The Classic Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • General Electric Credit Union The Classic Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.5%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
General Electric Credit Union The Classic Card FAQ

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.

General Electric Credit Union The Classic Card Balance Transfers
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?

General Electric Credit Union The Classic Card Purchase Intro Offer
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:

General Electric Credit Union The Classic Card Fees
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

About General Electric Credit Union The Classic Card

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View all personal credit cards offered by General Electric Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $3
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1.5%
Returned Payment Fee $32
Late Fee Amount Up to $32
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.24% - 13.24%
Balance Computation Average Daily Balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 7.24% - 13.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 7.24% - 13.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Low Interest
Card Network Visa

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