Personal Credit Cards
- Rates as low as 8.0% APR*
- Simple/easy card choices
- No annual fees
Reach your goals with our VISA® Platinum credit cards. Even for those without a credit history yet, we find a way to help you get what you need while you start to build one.
- No annual fee
- No balance transfer fee
- No cash advance fee
- Low, variable APR...as low as 8.0%*
- 25-day grace period
- ATM access
- Loan protection insurance
For those with no credit history or with credit problems in the past, credit cards can be secured by your Generations savings accounts with a share secured card.
First-time account holders and students are encouraged to participate in our jump-start classes to learn how to best use credit cards to avoid mistakes that can lead to damaged credit.
Online Banking gives you secure online access to your account so you can:
- Get your current account summary
- Review card activity
- Make a payment
Equal Opportunity Lender. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.
*Annual Percentage Rate. Rates and terms may vary based on credit worthiness; all loans subject to approval. Rates as of 8/22/2011 and subject to change without notice.
Table of Contents:
Give Yourself Some Credit
The bills are piling up and you don't know what to do. Maybe an unexpected medical expense put you behind, or maybe your hours at work were reduced. Whatever the reason, you're behind on your payments and your credit score is taking a beating. It's not too late to turn it all around.
Checklist: Safeguarding Credit Cards
A short checklist designed to ensure the security of your credit cards.
Shaping Up Your Finances
You manage to make ends meet. You pay every expense and bill on time, every time. But there’s one person you’ve forgotten to pay… yourself. This whitepaper offers some great budgeting ideas to help you move away from living paycheck to paycheck and begin saving for your future.
Part One: What Does Zero Mean?
This first of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to credit cards, payday loans and pawnbrokers.
Part Two: What Does Zero Mean?
This second of a two-part series seeks to uncover the truth behind the promise of zero as it pertains to the rent-to-own industry, refund anticipation loans and car loans.
The True Cost of Tax Refund Loans
The Real Game of Life
Enhancing Small Business Lending
Tighten Your Wallet and Your Waist
Building for your future, now!
Q. What should I expect to happen after I apply online?
A. Your online application will be processed quickly and efficiently, no longer than one working day.
Q. How do I pay my bill?
A. You can make a payment online via online banking. For your convenience, you can setup automatic payments to your credit card from your eligible accounts to occur monthly, bi-monthly, semi-monthly or weekly.
Q. How do I view my credit card balance?
A. You can view your recent transactions and balance online using online banking.
Q. Can I transfer a balance from another credit card to my Generations card?
A. Yes. For balance transfers, call 210-349-5626 or go online to online banking
Q. Can I use my credit card for Overdraft Protection on my checking account?
A. No, your credit card is not eligible to be used for Overdraft Protection on your checking account. To learn more about your overdraft options, please visit our checking and savings account page.
Q. How do I report a lost or stolen card?
A. To report a lost or stolen VISA , call 800-442-4757.
Q. Who do I contact if I suspect unauthorized charges on my credit card?
A. If you suspect unauthorized transactions, please call 800-442-4757.
Q. Can I use my credit card at ATM’s – if so, is there a fee?
A. You can use your credit card to obtain a cash advance at an ATM, using your credit card PIN number. There is no cash advance fee for ATM withdrawals.
Q. How do I increase my credit line?
A. To request a credit limit increase, simply call LoanExpress at 210-349-5626 or apply online.
To be eligible for these products and services, you must live, work, worship, volunteer or attend school in Bexar County, Texas. Family of current members are also eligible for membership.