Georgia's Own Visa Classic Credit Card
Not enough votes for recommendation
Would you recommend Georgia's Own Visa Classic Credit Card to your friends?
| Purchase APR (Variable APR) | 11.99% - 16.99% |
| Balance Transfer APR (Variable APR) | 11.99% - 16.99% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Georgia's Own Visa Classic Credit Card Review
This is a card issued by Georgia's Own Credit Union. If you're wondering whether Georgia's Own Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Georgia's Own Visa Classic Credit Card has a variable purchase APR that ranges from 11.99% up to 16.99%.
- 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. Georgia's Own Visa Classic Credit 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 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Georgia's Own Visa Classic Credit Card
| The Good | The Bad |
|---|---|
|
|
Georgia's Own Visa Classic Credit Card FAQ
Does Georgia's Own Visa Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Georgia's Own Visa Classic Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Georgia's Own Visa Classic Credit 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. This card has lower than average regular APRs.Georgia's Own Visa Classic Credit Card has a variable purchase APR that ranges from 11.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 16.99%. It also has a variable cash advance APR that ranges from 11.99% up to 16.99%. Note that late payments are subject to an APR of 17.99% 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 Georgia's Own Visa Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Georgia's Own Visa Classic Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Georgia's Own Visa Classic Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $37 |
| Late Payment Fee | up to $37 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Georgia's Own Visa Classic Credit Card have a foreign transaction fee?
Georgia's Own Visa Classic Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Georgia's Own Visa Classic Credit Card?
The Georgia's Own Visa Classic Credit Card customer service number is (800) 533-2062.
What is the support contact email for Georgia's Own Visa Classic Credit Card?
The support contact email for Georgia's Own Visa Classic Credit Card is memberservices@georgiasown.org.
What is the Georgia's Own Visa Classic Credit Card login page?
You can access the Georgia's Own Visa Classic Credit Card login page here.
How do people rate the customer service and user experience of Georgia's Own Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Georgia's Own Visa Classic Credit Card report your account activity to credit bureaus?
Yes, Georgia's Own Visa Classic Credit 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 Georgia's Own Visa Classic Credit Card
- Visit the Georgia's Own Visa Classic Credit 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
-
1155 Peachtree St. NE Suite 600
Atlanta, GA 30309 USA - (800) 533-2062
- Visit Site
- Email Support
Other Services by Georgia's Own Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee (%) | 3% |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $37 |
| Late Fee Amount | Up to $37 |
Be the first to rate
Would you recommend Georgia's Own Visa Classic Credit Card to your friends?
Other Credit Cards
Georgia's Own Credit Union Credit Cards
- Apple FCU Visa Credit Builder Credit Card
- City Bank Low Rate Platinum Card
- ExxonMobil Business Card
- Guardians Credit Union Achieve Secured Credit Card
- Micro Center Insider® Credit Card
- National Bank of Arizona Agility Cash Visa® Credit Card
- Nevada State Bank Vivid Rewards Visa® Credit Card
- Notre Dame FCU Irish Rewards Visa Credit Card
- Oregon Community CU NICE Visa Credit Card
- PNC Premier Traveler Visa Signature Credit Card
- Regions Premium Visa Signature Credit Card
- Simmons Rewards Visa Signature®
