Visa Credit Cards


A great deal of media attention has been focused on the passage of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009 which was created to protect your consumer rights as a user of credit cards and open end lines of credit. Much of the Act contains provisions that specifically address a number of concerns facing consumers today: i.e. raising interest rates on existing loan balances, fluctuating payment due dates, assessment of penalties and fees and the application of payment money to loan balances.

New Federal Regulations will require that all open end line of credit account holders must “opt in” to an over-the-limit service to allow them to exceed their credit limit.

To”Opt-In” please click here

Our Visa cards feature what is most important to you in a credit card:

  • Low rates and fees for maximum affordability
  • Worldwide acceptance for maximum purchasing power
  • Cash Advance at the same rate
  • Card Valet

You have a choice when it comes to finding the right card for your credit needs. Whether you’re looking for a card that charges fewer fees, or you just want a low rate, you’ll find it at The Southern Credit Union. To apply for a VISA Credit Card call 800.338.5882 or 770.719.1111 or click here for a Visa Credit Card Application

Credit Card Features 9/28/2018
  Classic Gold Platinum
APR* for Balance Transfers 11.90% 9.90% 6.75% – 8.90%
APR for Purchases 11.90% 9.90% 6.75% – 8.90%
APR for Cash Advances 11.90% 9.90% 6.75% – 8.90%
Variable Rate Information None None Your APR may vary. with the the market based on Prime Rate**
Cash Advance Fee $3 per transaction $3 per transaction $3 per transaction
Annual Fee None None $25.00 Annually
Balance Transfer Fee None None None
Minimum Finance Charge None None None
Various Payment Options Yes Yes Yes

Late Payment Fee: Up to $35 Over the Limit Fee: $25 Charges incurred by use of the card are due on receipt of statement. *APR equals Annual Percentage Rate. Rates and terms are subject to change without notice. **The Rate is the Prime Rate plus 3.75% as published in The Wall Street Journal as of the last day of business each month, but will not be less than 6.75% or more than 8.9% APR. Information is accurate as of July 2016. This information may change thereafter.

Grace Period for Purchases: You have 25 days on average to repay your balance on purchases before a finance charge will be imposed.

Balance Calculation Method for Purchases: The finance charge is calculated on the average daily balance (including new purchases).

You can manage your Credit Union Visa account online. View your current account balance, available credit, minimum payment due, payment due date, and daily transaction activity. You can even make payments online. 

Balance TransfersThe Credit Union offers free balance transfers from your other credit card and department store accounts. Call and speak with a loan officer for directions on how to transfer balances.

Credit Limit IncreasesOnce you have an established Visa Card with the Credit Union, you may want to apply for a credit limit increase. Perhaps you have had a change in employment status, a promotion or raise, and would like to be considered for a larger line of credit.

Share Secured Classic VisaIf you’re trying to establish credit or manage your credit better, a Secured Classic Visa may be right for you. With a credit line of up to $1,000 secured by your savings account, it has all the benefits of a regular Visa. This card is secured by your savings account, and you must keep a balance in your account equal to your credit limit.

Student VisaGood credit is a basic building block to everyone’s financial independence. And whether for emergencies or convenience, it makes good sense for students to carry a Credit Union Visa. We’re committed to helping responsible students build good credit. We start students out with reasonable credit limits prudent for campus life.

Zero LiabilityZero Liability policy means 100 percent protection for you. Visa’s enhanced policy guarantees maximum protection against fraud. Use your Visa card to shop online, in a store, or anywhere, and you’re protected from unauthorized use of your card or account information. With Visa’s Zero Liability policy, should someone steal your card number while you’re shopping online or off, your liability for unauthorized transactions is $0 you pay nothing.

Verified By VisaShop with confidence online when you enroll your Visa card in the Verified by Visa program. Additional security verifies your account ownership when you make online purchases. Simply click here and protect your credit card with a personal password.

One Gift Fits All – Visa Gift CardsLooking for the right gift for that special someone? Choose the gift that’s the perfect fit for every occasionThe Southern Credit Union Visa Gift card. For birthdays, weddings, baby showers, and whenever you need just the right gift, The Southern Credit Union’s Visa Gift card is the one gift that they’re sure to enjoy. With a Visa Gift card, you decide the amount and they decide where to use it. So you can be sure they’ll get the gift they really want. To purchase a Visa Gift card, visit any branch.

Affinity Card Programs

University of West Georgia Visa® Credit Cards

In partnership with UWG – School Faculty and Alumni are eligible for membership to The Southern Credit Union and access to the UWG Visa Credit Cards!

Our Visa Credit Cards have everyday low rates AND you will be helping the Alumni Association support Student Success.

Click Here to Apply for Your Visa Credit Card today!

In addition, with membership at The Southern you can
take advantage of our:
– Auto loans
– Personal loans,
– Home Equity Loans / Lines of Credit
– 24/7 Online and Mobile Banking
– Free Savings account with a minimum deposit of $25
– Free Checking Accounts with no monthly fees and no minimum requirements
– Christmas/Vacation Club Accounts
– Money Market Accounts
– Certificates of Deposit
– IRA’s
And many other services!

Have questions? Call 770.719.1111 or 800.338.5882 and one of our Telephone Service Center Representatives will be happy to help!

Important Numbers for VISA Debit & Credit Card

Card Support: 770-719-1111 or 1-800-338-5882

Activation and PIN Selection: 1-800-992-3808

Lost or Stolen Cards (After Hours): 1-800-472-3272

Fraud Alert Service: 1-877-273-5740