With a Visa® credit card, you can spend with boosted convenience — and earn rewards as you shop online and offline.

Key Features

  • Competitive Rates
  • Anytime Funds
  • Rewards Cards
  • Competitive rates and boosted purchasing power online and offline
  • Shop everywhere Visa® is accepted
  • No annual fees
  • Savings Secured card available to help you build up credit
  • Earn and redeem reward points with ScoreCard Rewards
  • Includes benefits like Roadside Dispatch® and zero liability1
  • Enroll in purchase alerts to better monitor your money
  • Handle and make payments 24/7 with eZCardInfo
  • EMV chip included for greater security
  • Quickly replace your card if lost or stolen

Card Member Services

Got a question or comment about your card? Feel free to contact Card Member Services at 800 299 9842 or 912 368 2477ext. 8705

Credit Cards Are a Good Credit-Building Tool, but There Are Important Factors to Consider

  • Like any loan, it is important to pay your bill on time.  Your on-time payment history is one of the most important factors used to calculate your credit score. 
  • Qualifiers are credit history and the ability to repay
  • Track your spending
    • Credit cards can cause impulse buying

Some Tips That Could Help Your Credit Health

  • Try to keep the usage ratio between your balances and credit limits below 30%.
    • For example, if your limit is $3,000 the balance should not exceed $1,000
  • There are ways to lower your credit card usage ratio:
    • You can make more than the minimum payment
    • If you can afford it, pay the entire balance every month
    • Pay high-interest cards first
    • Request a credit limit increase to better your ratio, but don’t be tempted to spend the additional funds
  • Credit card interest rates are important if you carry a balance
    • Rates are often based on credit scores and payment history
    • You can move your balances to a card with a lower interest rate
  • Do not close a card when it is paid off, as this could have a negative impact on your score.  Just discontinue using it

Credit Card Offers

  • Check and compare rates and fees that are associated with the card
  • Credit card issuers may offer attractive rewards

Safety Tips

  • Utilize purchase alerts
  • Report lost or stolen cards immediately

Secured Cards

  • If your current credit history does not qualify you for a credit card, look for a secured credit card.  This type of credit card is secured with your own savings.
  • Transfer balances from other creditors to your GeoVista CU credit card
  • Interest rate of 2.50% APR2 for 12 billing cycles on new balance transfers3
  • Saves you money
  • No balance transfer fees
  • Consolidate your debt and lower your payments

1With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen, or fraudulently used. Visa’s Zero Liability does not apply to transactions not processed by Visa. Cardholders must use care in protecting their card and notify us immediately of any unauthorized use.

2APR = Annual Percentage Rate

3Limited time offer - Subject to change

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