Credit Cards

Credit Cards from Go Energy Financial

We know we have the right VISA credit card for you. We can feel it.

But only if you want:

  • No annual fee
  • Competitive rates
  • VISA cardholder benefits
  • Fraud protection
  • State-of-the-art rectangular plastic with rounded corners and a cool hologram sticker

Don’t settle for any of those pointy-corner credit cards. Choose from one of the Go Energy Financial VISA card programs and apply online or give us a call if you have questions about which card would work best for you.

Report Lost or Stolen Cards

VISA Credit Card
(800) 299-9842

Debit Card
(800) 472-3272

ATM Card
(470) 514-3000

Credit Cards from Go Energy Financial

VISA® Platinum

VISA Platinum cardVISA Platinum credit limits start at $5,000 and are a great match 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

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

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 just the way. Here’s how it works:

You keep funds on deposit at Go Energy Financial and we issue a VISA Secured card for 80% of the balance that’s being held in your account. For example, a card with a $400 limit is secured by $500 in deposits. Use your card like any other VISA card (because it is!), pay promptly to establish a good history, and boom— solid credit report and score.

VISA® Secured for Students

In school?

We also offer a VISA Secured for Students card for people 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’re at least 18, 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. Math!

  • 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. And we’re always here (not 24/7, but you know… a lot) to answer questions and give tips on how to best handle your finances.

  • 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. Win win!

  • 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.

  • How will this credit card help me establish credit?

    The credit union reports 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.

Compare the Go Energy Financial Credit Union VISA Credit Cards

The chart below can help you find the best card for your financial situation. That’s what charts do. But there’s only so much room on the page, so if you have questions, please call us. We can help you evaluate the options. Our number is (470) 514-3000.

If you’re into legalese, have we got a document for you. Give the Consumer Credit Card Agreement a read. (There’s actually a lot of important information in there.)

* APR is Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change without notice. Call us at (470) 514-3000.

Credit Card Tips — To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau (CFPB) at ConsumerFinance.gov/LearnMore.

Contact Addresses for Credit Cards

Written Inquiries
Go Energy Financial Credit Union, 2100 East Exchange Place, Suite 101, Tucker, GA 30084

Payments
P.O. Box 31021, Tampa, FL 33631-3021 or your nearest Go Energy Financial Credit Union location

VISA Credit Card Services

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! Just 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 extension 5. We’re happy to help!

Go to eZCard

VISA Account Updater (VAU)

Wouldn’t it be nice not to have to manually update your renewed card number with the 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.

Whenever you receive a new or renewed VISA card, your old card information will automatically update to the new card number and expiration date.

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 for notifying stores and merchants with any updated information regarding your card.

Opt Out of VISA Account Updater