Why a GHFCU Visa Credit Card?
Low Interest Rates – Competitive interest rates as low as 8.95% APR*.
No Hidden Fees – No annual fee and no fee for balance transfers or cash advances.
Reward Programs – Earn ScoreCard Rewards® — Bonus Points or 1% CashBack on qualified purchases.**
Advanced Security – Benefit from Visa’s Zero Liability Protection and EMV chip technology.
Worldwide Acceptance – Shop confidently at millions of locations globally.
Digital Wallet Ready – Compatible with Apple Pay®, Google Pay™, and Samsung Pay®.
Easy Card Management – For convenience, we offer automatic payments and online access to your account information.
Visa Credit Card Types
| Card Types | Platinum | Gold | Classic |
|---|---|---|---|
| Overview | Our Platinum Visa gives our members greater purchasing power with a low interest rate on carried balances. Use this card as a transactional card or to finance a major purchase or home improvement project. | Our Gold Visa serves members with established credit of all types. Add this card to your wallet to increase your capacity, move balances from higher rate cards and improve your credit score! | Our Classic Visa is a good card for members who need to build or repair credit. Use your card, but don't max out the credit line. Make your payments on time and watch your score climb! |
| Credit Score | Excellent | Good | Fair |
| Credit Lines | Up to $25,000 | Up to $15,000 | Up to $7,500 |
| APR* | 8.95% | 13.95% | 17.95% |
| ScoreCard Rewards | Choose Bonus Points or 1% Cash Back | Choose Bonus Points or 1% Cash Back | Choose Bonus Points or 1% Cash Back |
| Annual Fee | None | None | None |
| Cash Advance Fee | None | None | None |
| Balance Transfer Fee | None | None | None |
Ready to Apply for a Credit Card?
Applying is fast, secure, and hassle-free. Whether you’re looking to earn rewards, build credit or simply enjoy peace of mind, we have a Visa card that fits your lifestyle.
We Make It Easy
Call 864.370.5670 during business hours to speak with a loan specialist today
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eZCard Info
Take Control of Your Credit Card—Anytime, Anywhere!
Managing your Greenville Heritage Federal Credit Union Visa®credit card just got easier. As a valued credit union member, you can now access your credit card account online—securely and conveniently. View transactions, make payments, set alerts, and track your spending all in one place. Whether you’re at home or on the go, our digital tools put financial control at your fingertips. Log in today and experience the freedom of smarter money management.
How to Enroll in eZCard
For online access to your credit card account information, visit the eZCard website at http://www.ezcardinfo.com and click on the “Enroll Here” button. You will be prompted to provide selected information for identity verification and create a username and password. Once you are enrolled, you will be able to access your credit card account information 24 hours a day, seven days a week. Using the eZCard website, you will be able to:
Check your available credit
View your current balance
Access previous statements
Download transactions to personal financial management software
Make your credit card payment
Change personal profile information
Set alerts
Search for transactions and produce reports
And much more!
ScoreCard® Rewards
Greenville Heritage Federal Credit Union Visa® credit cards feature great interest rates* and allow you to earn ScoreCard® Rewards for every qualified purchase**! At the time the card is issued, you choose between earning Bonus Points or 1% CashBack.
Your cable bill is due, the car needs an oil change, and it’s your niece’s birthday. Use your ScoreCard Rewards Card to make those routine purchases and watch the rewards roll in! For every qualifying purchase made using your ScoreCard Rewards Card, you earn valuable Bonus Points that may be redeemed for outstanding merchandise and exciting travel, or 1% Cash Back!
ScoreCard® Bonus Points Program
ScoreCard® has a robust catalog of over 1,600 items, including brand names like Apple®, Brighton®, Pandora®, Dyson®, and Sony®. Online ordering is available 24/7 at ScoreCardRewards.com.
You can also redeem Bonus Points for air travel, cruises, hotel stays, car rentals, vacation packages, and more! Book your travel online 24 hours a day, 7 days a week.
Visit www.scorecardrewards.com to view the catalog or register your card and get started earning rewards!
ScoreCard® Cash Back Program
The ScoreCard® CashBack program is an automatic feature of your card, so choose this card for all purchases. You’ll be amazed at how quickly your 1% CashBack adds up! CashBack rewards are distributed once per year.
*Terms and annual percentage rate (APR) are subject to change without notice. Approval is subject to income requirements and credit review. Interest will be charged on average daily balance each month. **Qualified purchases do not include cash advances, balance transfers, convenience checks or returns.
Visa Account Updater Service
Greenville Heritage Federal Credit Union Visa debit and/or Visa credit cards now offer the automatic Visa Account Updater Service (VAU).This is a free service designed to make using your Visa cards for recurring payments more convenient than ever.
What is Visa Account Updater Service?
VAU is a service that will provide card number and expiration date updates to merchants who maintain card-on-file (COF) account information to process recurring customer payments.
Some examples of COF payments include: Netflix, Hulu or other streaming services; gym memberships; monthly utility bills; recurring charitable contributions; or insurance premiums.
What does the service actually do?
Account Updater Service (AUS) provides a way for GHFCU to communicate the most recent cardholder account information to Visa. Our data processor has created a special file format to send card details to the network on our behalf. In turn, Visa makes this information available to acquiring COF merchants who elect to participate in the service.
What are the benefits of this service for my organization and cardholders?
Cardholders will no longer have to provide updated card information to participating COF merchants when their card is reissued due to normal expiration or lost/stolen card. Recurring payments are more likely to be successful because updated card information is readily available to participating merchants.
Call the GHFCU Call Center at 864.467.4160 for more information on the Visa Account Updater Service or to opt out of the service for your GHFCU Visa debit and/or credit cards.
*The Annual Percentage Rate (APR) is determined by individual credit history and underwriting criteria. Loan approval is contingent upon credit union evaluation. Promotional offers, loan programs, rates, terms, and conditions are subject to change without prior notice.
