Credit Cards

VISA^® Platinum

VISA Platinum credit limits start at $5,000 and are great for someone with strong credit who needs more purchasing power. Our Consumer Credit Card Agreement has all the details. Check out that low rate! And fees? What fees?

VISA^® Classic

Of course, you can use your VISA Classic card to buy cases of Coca-Cola Classic. It’s a little-appreciated benefit.

Our Classic VISA® card features limits starting at $500, a low rate, no annual fee. Plus, you get all the other goodies that come with a VISA card. Cheers!

VISA^® Secured

If you’re looking to build credit or rebuild credit, the VISA Secured card might be the way. Here’s how it works:

You keep funds on deposit with us, and we issue a VISA Secured card for 80% of the balance that’s in your account. For example, a card with a $400 limit is secured by $500 in deposits (125% of the card limit). Use your card like any other VISA card (because it is!), pay promptly to establish a good history.

VISA^® Secured for Students

In school?

We also offer a VISA Secured for Students card for people, 26 or younger, in college or a trade school. Your reading assignment begins now:

Frequently Asked Questions About VISA Secured for Students

• I’m a student. How do I qualify for a VISA Secured for Students card?
  

  If you are between the ages of 18 - 26, enrolled in college or a trade school of any kind, and have a Go Energy savings account, you qualify for our student card. Credit lines can range from $250 to $5,000 and are determined by the amount you have in your savings account. The credit limit on your card will be 75% of your balance. So for example, if you have $1000 in your savings, then you are eligible for a line of credit up to $750.

• How will I manage my card and payments?
  

  Making your payments is easy with our bill pay service. You can choose to make the minimum monthly payment, a set amount each month, or pay off the entire balance. If you prefer to skip the online options, we’ll also accept a paper check. If you have a full- or part-time job, we can set up scheduled automatic payments. That’s really convenient, and it’ll protect you from being late on a payment.

• How will this credit card help me establish credit?
  

  We report information about how you are managing your card to major credit reporting agencies. These reports let the agencies know if you’ve been making your payments on time, how much of your credit limit you are using, if you have gone over your limit, and other relevant information about your line of credit. Your history and other factors allow the agencies to determine your credit score.

  A clean history of on-time payments and a higher credit score make it more likely that you’ll qualify for financial benefits, like favorable interest rates on loans, lower car insurance rates, and higher credit card limits.

• Why should I have a credit card when a debit card has almost the same benefits?
  

  While credit cards and debit cards are similar, the biggest benefit you get with a VISA Secured card is that it’s one of your first chances to build a strong credit history and establish a high credit score. Down the road, when you apply for a mortgage loan, car loan, or any other type of credit, a higher credit score is essential for you to get the best rates. Our credit card program is a great way to establish strong credit early on.

• What is the interest rate on the VISA Secured for Students card?
  

  It’s 11.90% Annual Percentage Rate (APR) on this card. When comparing different credit card options, we recommend that you always consider the interest rate, whether that rate is variable, and if there are any other fees that will need to be considered. We’re going to match up pretty well. Really well, actually.

Use eZCard to Manage Your Go Energy VISA Card

Make payments, check your card activity, and view your statements with eZCard. As you can imagine, it’s easy! Click over to ezcardinfo.com and register your card to get started.

If you run into anything that’s not eZ, then please contact Card Services at (888) 959-7132. We’re happy to help!

Go to eZCard

VISA Account Updater (VAU)

Hate having to update your credit card number with stores and merchants that have your card on file for recurring payments? The VISA Account Updater is at your (free) service and is automatically activated for Go Energy Financial VISA cards.

Your old card information automatically updates to the new card number and expiration date when you have this service.

Otherwise… Our Opt-Out Option

If you would rather manually update your card, you can opt out of the VISA Account Updater service. Please complete the form to assume responsibility of notifying stores and merchants with any updated information about your card.

Opt Out of VISA Account Updater

Life is unpredictable.

There is a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That's why it is important you take action to safeguard your family against these types of events to help ensure loan payments can be made on time. That's where Go Energy Financial Debt Protection comes in. 

Under the Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected, and most importantly, that your family is protected.

There's More to Read: Debt Protection