Your credit union’s new credit card is available to members. We have two Visa Credit Cards – a rewards card and a classic credit card. Both feature the following:

GCEFCU Credit Cards
  • Low rates to save our members money
  • No fee balance transfers
  • No fee on cash advances done in GCEFCU branches
  • EMV chips for added security
  • 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.

 


Credit Card Balance Transfer Request

Use this form to request a no fee balance transfer from another credit card to your Gulf Coast Educators Visa Credit Card. Most requests will be processed in 3-5 business days. You will receive an e-mail confirmation that your request has been processed. Only use this form if you are authorized on the other credit card. Please keep in mind that due to timing and interest, you may be responsible for making a payment on the card you want to transfer.
  • Credit Card Information

    Please use a statement from your other credit card to complete this section. Please double check and verify all information as the credit union is not responsible for payoffs not completed due to user errors. If you have multiple card balances that you want to transfer, please complete a new form for each requested balance transfer.
  • Credit Card Address from Statement (Address where you Mail Payments) * Required
  • Confirm Balance Transfer Request * Required


rewardsWith UChoose Rewards, you earn 1 point for every dollar charged in purchases to your card. Those points can be redeemed for travel, merchandise or gift cards. Once you register your reward card with UChoose Rewards, you will also get special offers from select merchants for opportunities to earn additional points. To register your card, click the link below:

 

UChoose rewards

 

 

 

You earn points for all your purchases – not just at participating retailers!

UChoose Rewards is only available on the credit union’s Visa Rewards Credit Card.

Q. What is UChoose Rewards?
A.  It’s a rewards program that earns you points every time you use your Gulf Coast Educators Visa Rewards Credit Card and sign for your purchases. You can also earn additional points for shopping at participating retailers with your card. Redeem your points for any reward of your choice from a vast online catalog.

Q. How do I get started?
A. Register your card(s) at www.uchooserewards.com. Click the Register link (under New to UChoose Rewards) and follow the prompts to create your User ID and password.

Q. How do I earn points?
A. You earn points every time you sign for your purchases … plus you earn additional points for shopping at participating retailers, whether in-store at national or local retailers or online through www.uchooserewards.com.

Q. How can I track my points?
A.  We keep track of all your points for you … and we’ll help you find what you’re looking for when you’re ready to redeem. Or use our Wish List to track your points and know when you’ve earned enough for a specific reward.

Q. What can I get when I redeem my points?
A.  It’s your choice! You can choose from millions of options like merchandise, travel experiences, activities, event tickets, merchant gift cards or e-certificates, MP3 and game downloads, and more.

Download your UChoose Rewards app
at the app store for iPhone®, iPad®, iTouch or Android™ device today!

Enjoy mobile access on-the-go:

  • Scan a UPC code to see if a product is in the redemption catalog
  • Redeem points
  • Check your point balance

Participating retailers subject to change.


Customize your VISA credit card with almost any digital image, like a picture of your great vacation, to show off to your family and friends. Best of all, it works just like a normal Gulf Coast Educators VISA credit Card so you can use it at your favorite restaurant, department store, grocery store, gas station or any other place that accepts VISA®. Design your own card for only $7.95.

If you have a regular Visa Credit Card click here or if you have a Visa Rewards Card, click here.

custom_visa_cards

For lost or stolen credit union Visa Credit Card weekdays 7 AM to 7 PM CST, please call us at 281.487.9333. After business hours and on weekends call 800.472.3272.

We 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. The numbers from which the calls will come is 877.253.8964. You can call the number listed with confidence that it is legitimate. Unless the calls come from this number or the credit union directly, members should consider the call fraudulent.

 

 

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.

GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances
Gulf Coast Educators Visa Credit Card: 8.99% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.

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 at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee – None

Transaction Fees
Balance Transfer – Free
Cash Advance – 1% or $5.00 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.

Penalty Fees
Late Payment – $25
Over-the-Credit-Limit – $25
Returned Payment Fee – $25

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 September 25, 2017. This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.

 

For full credit card disclosures, click here.