The Classic  |  As low as 8.74%APR1

Get back to the basics.

No frills. No extras. Just a great, low rate. 

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The Classic Credit Card Cincinnati OH

Card Details |  Benefits  |  Convenience  |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

0% Introductory APR 

Purchases and balance transfers made in the first 60 days will have 0% introductory APR for 12 months. After the introductory period, the APR will adjust to 8.74% - 14.74% for purchases and balance transfers, based on your creditworthiness.2

No Annual Fee

A low rate and additional perks, all with no annual fee!3

Online Banking & Mobile App

Access your GECU card information through Online Banking and our mobile app. Pay your credit card bill (Online Banking only), receive free eStatements, monitor transactions, and more.4

  • New! Set up automatic payments
    Choose from: statement balance, minimum amount due, or enter an amount that works best for you. Log in to Online Bankingand select the Credit Card tab to get started. (Credit card payments are only available through Online Banking at this time.)

Free Access to Your FICO® Scores

The FICO® Score we provide is the FICO® Score 8 based on Equifax data. If you're the primary cardholder, view your score through the Credit Card section in Online Banking any time; however, it will only be retrieved from Equifax and updated quarterly.5 Learn more and review the FICO® Score FAQs. 


Purchase Protection

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.

Zero Liability

At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.6


Convenience

Visa® Purchase Alerts

Sign-up for real-time alerts for: individual transaction amount thresholds, international transactions, or card absent transactions, such as by telephone or online orders. Learn more and enroll your card(s).

Digital Wallet Options

GECU credit cards are enabled for use with: Apple Pay®, Google Pay™, Samsung Pay™, MasterPass™, and Visa® CheckoutLearn more.


Interest Rates & Disclosures

Card APR
The Classic As low as 8.74%

 

+The Classic Card Details & Disclosures.
1The Classic Card: Your Annual Percentage Rate (APR) will be 8.74% to 14.74% 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 The Classic Card Terms & Conditions.
2Introductory APR for Purchases and Balance Transfers: Offer valid for qualified borrowers only. Upon approved credit. Offer subject to change at any time. Purchases and balance transfers made in the first 60 days will have 0.00% introductory APR for 12 months. Existing GECU credit card/loan balances are not eligible for the introductory rate. After the introductory period, the APR will adjust to 8.74% - 14.74% for purchases and balance transfers, based on your creditworthiness.
3Credit Card Fees: Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a $3 or 2% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. 
4Online Banking: We provide Online Banking and Mobile Banking for free; however, Mobile/Internet data charges may apply, as well as text message charges for text commands and Alerts. Please contact your service provider for details.
5FICO® Scores: FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Primary GECU credit card accountholders will receive their FICO® Score 8 based on Equifax Data updated on a quarterly basis, when available.
6Zero 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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