Play Your Cards Right

You can get Flex Rewards points on our Visa Signature®, Visa® Platinum, and Student Visa cards. Our Visa Classic card does not offer points.

To find the card that’s right for you, visit our Credit Card Comparison page.

Yes! We’ll even send you an additional card in the authorized user’s name. Just fill out and sign our Authorized User Request form, scan it, and return it to us (along with a copy of the authorized user’s ID) through the secure message center in online banking. You can also send the form by mail or fax, or drop it off at your local branch.

If you’re new to the world of credit, our Student Visa® could be a good option for you. It’s a great way to establish credit and build a credit history. You also earn Flex Rewards points for every dollar you charge, with a low rate and no annual fee.

We offer a secured version of our Visa® Classic credit card for members who have a low credit score or no established credit. A secured card is “secured” by money in a savings account. This money then acts as collateral every time you make a purchase. As you use your credit card and pay your bills on time, those payments are reported to credit bureaus, which helps you establish credit and raise your credit score.

Yes, it’s simple and easy to make a payment on your Georgia’s Own credit card. Here are some of the ways you can pay your bill:

• Make a payment through online banking
• Use the Georgia’s Own Card Manager app
• Call our 24-hour automated pay-by-phone service at 866.597.1473
• Mail your payment to:
  Georgia’s Own Credit Union
  PO Box 71050
  Charlotte, NC 28272-1050

Expedited Pay-by-Phone Fee: $8.00. If your account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee may be imposed for method of payment is only allowed if the fee is for expedited crediting. This generally means the payments must be credited that day or if after the cut-off time established by the Credit Union, the following business day.

If your debit or credit card has been lost or stolen, or if you suspect fraud, call us right away at 800.533.2062. You can also send us a secure message through online banking. We will immediately block and reissue your card.

You can also lock or unlock your credit card yourself through the Georgia’s Own Card Manager app.

Georgia’s Own imposes a fee of 2.00% of the amount of the transaction, calculated in U.S. dollars, on all foreign transactions. A foreign transaction is any transaction that a member or a merchant completes on a Visa credit or debit card outside of the United States, with some rare exceptions. This fee is charged because of the exchange rate between the transaction currency and the billing currency used for processing international transactions. You’ll see this on your Statement of Accounts and in your online banking history with a description of “Foreign Transaction Fee Conversion” or “International Transaction Fee.”