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General Electric Credit Union

Classic Secured  |  As low as 15.49%APR1

Build or rebuild your credit.

The perfect choice for those with little or no credit or want to start rebuilding a good credit history. 

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Secured Credit Card Cincinnati OH

Card Details |  Convenience  |  Benefits  |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

No Annual Fee

A low rate and additional perks, all with no annual fee!2

Starts with A Minimum $300 Deposit

Secure your line of credit with an equal deposit of at least $300 (e.g. a $300 deposit = a $300 line of credit).


Convenience

Online Banking & Mobile App
Access your credit card information through Online Banking and our mobile app. Make a payment, receive free eStatements, monitor transactions, and more.3

Account Alerts
Set up personalized email or text alerts to help you stay on top of your account.

Text Banking
Get account information quickly by text; just send a text message and receive a reply in seconds.

Digital Wallet Technology
GECU credit cards are compatible with: Apple Pay®, Google Pay™, Samsung Pay™, MasterPass™, and Visa® CheckoutLearn more.


Travel Protection

Auto Rental Collision
You can receive auto coverage for damage due to collision or theft.

Baggage Delay Reimbursement
If your checked baggage is delayed or misdirected for more than four hours, you can be reimbursed for necessities you purchase.

Travel Accident Insurance
When you purchase an airline ticket with your Visa card you can receive $500,000 of accidental death and dismemberment coverage.

Roadside Dispatch
Access Roadside Dispatch®, a 24/7 pay-per-use roadside assistance program.

Travel & Emergency Assistance
Offers services designed to help you in case of an emergency while traveling. This assistance includes services such as: Medical Referral Assistance, Legal Referral Assistance, and Emergency ticket replacement.


Purchase Protection & Security

EMV Chip Technology
Enjoy enhanced security and global acceptance when you use your credit card at merchants that use chip-enabled terminals to accept your payment.

Purchase Security
When you use your Visa card to make a purchase and said item is stolen or damaged within the first 90 days, you can replace, repair, or be reimbursed for the item.

Return Protection
If you used your Visa credit card to make a purchase, then become dissatisfied and the merchant will not accept your return, Return Protection can help.

Cellular Telephone Protection
Provides coverage for: damage to, theft of, or accidental parting of your cell phone. An involuntary or accidental parting is the unintended separation from your cell phone when its location is known, but recovery is impractical.

Zero Liability
At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.4


Interest Rates & Disclosures

Card APR
Classic Secured As low as 15.49%

 

+Classic Secured Card Details & Disclosures.
1Classic Secured Card: Your Annual Percentage Rate (APR) will be 15.49% to 18.00% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. Full terms and details of this program will be included with your card and can also be found in our Classic Secured Card Terms and Conditions.
2Credit Card Fees: Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a late charge of $25.00 or the minimum payment amount (whichever is lesser) if a minimum payment is not made within 55 days after the date of a monthly statement. 
3Online Services: We provide Online Banking and our mobile app to you for free; however, Mobile/Internet data charges may apply. Please contact your service provider for details.
4Zero Liability: If you suspect there has been unauthorized use of your GECU credit card, promptly contact Cardholder Services at (800) 542-7093. You will not be liable for use that occurs after you notify General Electric Credit Union and/or Cardholder Services of the loss, theft, or possible unauthorized use. See any Credit Card Terms & Conditions for complete details.

 

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