All GCEFCU Credit Cards come with the following benefits:
- ✔ No Annual Fee or application fee
- ✔ 0% Introductory APR* for your first 6 months, and a low variable rate after that
- ✔ No Balance Transfer Fees on any debt you’d like to transfer to your new GCEFCU credit card
- ✔ No Cash Advance Fees on cash advances done at any GCEFCU location
- ✔ Tap To Pay feature available on all cards, making checkout quicker and more secure.
- ✔ Apply Online and we’ll mail your card straight to you, or you can pick it up from any GCEFCU location
Choose the card that best fits your needs:
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| ✔ Rates as low as 12.24% APR* | ✔ Rates as low as 13.24% APR* | ✔ Rates as low as 10.24% APR* |
| ✔ Earn 1 point for every $1 spent | ✔ Earn 1 point for every $1 spent | |
| ✔ Click here to learn more |
CREDIT CARD FEATURES AND RESOURCES
- Features
- Balance Transfer
- Rewards
- Lost/Stolen Cards
- International Travel
- Manage Card Alerts and Controls
- Digital Issuance
- Rates & Disclosures
Features
Choose the card that fits your needs
We have three Visa Credit Cards – Classic, Rewards, and Texas Educators Rewards. All cards feature the following:
- No annual fee
- Low rates to save our members money
- No fee on cash advances done in GCEFCU branches
- No fee balance transfers
- EMV chips for added security
- Tap to pay feature
- Printed in branch like our debit cards to save you time
- Will show up in online banking with no need to log into a different system
- Transfer funds online to the credit card account to make payments
- Compatible with Apple, Samsung, and Android Pay for added convenience
- On rewards card, earn 1 point for every $1 in purchases. Redeem for travel, merchandise or gift cards.
Balance Transfer
Balance Transfers
To complete a balance transfer follow these simple steps:
- Obtain your balance transfer amount from your credit card statement or by logging into your credit card’s online system.
- Use the credit union’s digital banking system to transfer the amount needed for your balance transfer from your Gulf Coast Educators Visa Credit Card to your savings or checking account. Alternately, you can call us and our team members can complete the transfer on your behalf.
- Send payment to the credit card in the manner you normally do.
Rewards
Earn Points For Your Purchases
If you have a GCEFCU VISA Rewards or Texas Educators Rewards Credit Card, you can earn points for every dollar you spend using your credit card. Those points can be redeemed for travel, merchandise gift cards, or even cold hard cash.
Effective 1/10/2025: GCEFCU is switching to Power Pay Rewards! UChoose Rewards will no longer be accessible after 1/10/2025. Your new credit card rewards site will be available in March 2025. We appreciate your patience!
Lost/Stolen Cards
Lost or Stolen Credit Cards
If you misplaced your credit card but believe it is still in your possession, you can place a temporary block on your card through the Manage Cards widget in online banking or your mobile app. Simply turn back on whenever you are ready!
We do have an outsourced Visa Fraud system that does make calls to help our members prevent fraud on their accounts. The legitimate calls will never ask for sensitive information.
Additional Information for those with lost or stolen wallets:
Cancel your credit cards immediately. Keep your credit card account numbers and their telephone numbers in a safe place so you will have all of your credit card information handy. Having to find all of your credit card telephone numbers and account numbers at this point would only add additional stress to your already stressful situation.
Call the 3 national credit bureaus and place a fraud alert on your name and social security number. This alert will notify any company checking your credit that your information was stolen and that they have to contact you by phone to authorize new credit. Here are the credit bureau fraud lines. Social security also has a fraud line.
- Equifax 1.888.766.0008
- Experian 1.888.397.3742
- TransUnion 1.800.680.7289
- Social Security 1.800.269.0271
Notify your financial institution so they can place a notation on your account. If your checkbook was stolen, you may want to place stop payments on the blank checks that were taken.
File a police report immediately in the jurisdiction where your purse or wallet was stolen. This is the first step toward an investigation if there is one and it lets creditors know that you were diligent in your efforts.
We hope that you are never faced with this situation, but if you are, this information may be beneficial to you. Be sure to record your credit card information. Keep this copy in a safe place, somewhere other than your wallet or purse.
International Travel
Traveling with VISA® Credit Cards
You can now easily put in a travel exemption through our Mobile App under the card management tab. Questions? Call us at 281-487-9333.
Manage Card Alerts and Controls
Manage Card Alerts and Controls® Credit Cards
Digital Issuance
Digital Issuance® Credit Cards
To view your existing card information without having your physical card, click the “View Details” link in the Manage Cards widget of online banking or your mobile app. Once your card has been digitally issued through this method, you can utilize it for digital purchases or manually add it to your mobile wallet without having the physical card present!
Rates & Disclosures
Rates & Disclosures
0% Introductory Rate – *APR=Annual Percentage Rate. 0% APR* on all new purchases to a new GCEFCU credit card for six months, beginning from the date of opening your card. After six months, your rate will convert to a variable APR* of 6.99% – 18.00% APR* based on your credit score. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. This promotion is not valid for balance transfers or cash advances. This offer does not automatically approve you for a GCEFCU credit card. GCEFCU reserves the right to cancel this promotion at any time, for any reason. To view full credit card disclosures, click here.
Click here for current loan rates.
GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases:
VISA Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers:
VISA Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances:
VISA Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies:
VISA Classic: None
VISA Rewards: None
Texas Educator Rewards: None
Credit Card Fees
Annual Fee – None
Account Set-Up Fee – None
Program Fee – None
Participation Fee – None
Additional Card Fee – None
Application Fee – None
Balance Transfer – Free
Cash Advance – $5.00 or 1.00% of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch.
Foreign Transaction – 1.00% of each transaction in U.S. dollars.
Transaction Fee for Purchases – None
Late Payment – Up to $25
Over-the-Credit-Limit – None
Returned Payment Fee – Up to $25
Credit Card Details
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau by clicking here.
How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).”
Effective Date: The information about the costs of the card described in this disclosure is accurate as of May 1, 2023. This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.
To see full credit card disclosures, click here.
*APR=Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.
Credit Card Rates
| Card Type | Base APR* | APR* Range |
|---|---|---|
| VISA Classic | 12.24% | 8.99% - 18.00% |
| VISA Rewards | 13.24% | 9.99% - 18.00% |
| Texas Educators Rewards | 10.24% | 6.99% - 16.99% |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. To view full credit card disclosures, click here. | ||