Personal Credit Cards

  • Rates as low as 8.0% APR*
  • Simple/easy card choices
  • No annual fees
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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.

Card features:

  • 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:

Expert Articles/Papers:

  • 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.

Infographics:

Frequently Asked Questions:

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.

Credit Cards 4.6 5 71 71
Generations FCU Our bank works with you to give you a better life. Thanks Generations FCU! May 6, 2013
new card/payment posting FYI, i did not appricate that when you issured the new visa cards, you automatic deactived the present cards we had. this project was not very well thought out. due to ppl whom had not received the new cards were left with no funds to use. another note, every time i make a payment on my card/loans it takes over 72 hrs to see the posting, this is very frustering. March 29, 2013
Gen Card I like online banking. This bank actual gives regular people a chance at establishing credit. Thank you! March 28, 2013
YOUR PRODUCTS AND SECVICE HAS BEEN EXCELLENT... I am a fairly new member, but I am very pleased with the service and attention y'all have provided. April 23, 2012
grear featurs my credit card is better then other ones because the most important things people look at is the intrest on them its low and at a resonable rate i would recomend it very highly to other cutomer that bank at generation. March 19, 2012
2012 I think this is a great start for me and my family thank you March 10, 2012
ive only had it one month so i dont know how i feel about it yet Like I said I've only had it one month and don't really know how I feel about it yet. But so far I like that its going to improve my credit score. This is the main reason I got it. I hope to have the option to decrease my interest rate in the feature. March 9, 2012
Excellent option This card helped me escape the horrible interest rate imposed immediately by a more mainstream credit card after missing one payment deadline by one day. Credit Unions are part of the solution in today's restrictive financial environment and they are more directly interested in the customer than an inflated, penalizing bottom line. Generations Federal Credit Union has been a terrific financial institution and I would not consider doing business with anyone else in San Antonio or Texas. March 9, 2012
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Eligibility Disclaimer

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.

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