Classic Secured

Looking to build or repair your credit? Do just that by borrowing against your savings and steadily paying down the balance.

For first steps and
second chances

  • Secure a rate as low as 18.00% APR1
  • Build or rebuild a solid credit history
  • Access your FICO® Score for

If you're looking to establish or improve your credit, our Classic Secured card is a great way to get started. Your credit line is based on the amount you choose to deposit. Pay off your card each month and the major credit bureaus will mark your progress as your credit score improves. Enjoy everything this card offers without paying an annual fee.2

How it works

  1. Apply and provide a refundable deposit
    Once approved, secure your limit with a deposit of at least $300. That means a $300 deposit equals a $300 credit limit. Or a $500 deposit for a $500 credit limit.
  2. Use your card responsibly
    Make your payments on time each month. If possible, pay your full bill to avoid interest charges. 
  3. Build your credit history
    Using credit responsibly across all your credit card and loans, including GECU and others, may help you increase your credit score.

Explore Classic Secured card benefits

  • No annual fee.2
  • Manage your credit card within our mobile app and Online Banking to establish good credit habits. Make payments, monitor transactions, view statements, and more.3
  • Zero liability for unauthorized transactions.4

View your FICO® Score for free

See your FICO® Score in Online Banking or in the GECU mobile app, updated quarterly. Viewing your score in Online Banking or our mobile app won't hurt your credit!

Add your card for contactless, secure mobile payments 

Make contactless payments in a snap when you add your GECU credit card to your favorite wallet app: Apple Pay®, Samsung Pay™, or Google Pay™.

Customize account alerts for your needs

Set up personalized email or text alerts and reminders to help you stay in tune with your account. You can receive alerts for each transaction or set thresholds, depending on your needs.

Card benefits

  • Roadside Dispatch®
    Roadside Dispatch®, a 24/7 pay-per-use roadside assistance program.
  • Auto Rental Collision
    Receive auto coverage for damage due to collision or theft.
  • Baggage Delay Reimbursement
    If an airline delays or misdirects your checked baggage for more than four hours, let us know and we'll reimburse you for any 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.
  • Travel and 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.
  • Zero Liability
    At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.
  • ID Navigator Powered by NortonLifeLock™
    No one can prevent all identity theft, but these tools help you act quickly if criminals are threatening your personal data.
  • 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 you know its location, but recovery is impractical.
  • 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 get 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.

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

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