Credit Card FAQ
How is a credit card different from a debit card?
A debit card immediately withdraws existing funds from your checking account to which it is linked. You can only spend money you already have in the checking account.
With a credit card, you are borrowing money. When you apply, your financial institution weighs various factors to determine the limit, or maximum amount you can borrow.
You get a monthly statement reviewing all of your purchases, as well as how much you owe. Credit card payments typically have a minimum monthly payment you’re required to pay on time. Late payments mean your financial institution will charge interest on top of what you already owe.
How do I apply for GHS Federal Credit Union Credit Cards?
You can apply for a Visa Platinum Credit Card with our online application. It only takes a few minutes!
Do I need to become a GHS FCU member to apply for a credit card?
You must be a member to take advantage of our debit and credit cards, offers, and other GHS financial products and services.
Membership eligibility is open to anyone who lives or works, worships, goes to school, or volunteers in New York’s Broome, Chenango, or Tioga Counties. Immediate family members are also eligible.
What are the benefits of joining a credit union?
There are lots of reasons to become a member. Benefits include:
- Free financial education
- Personalized attention and service
- Fewer fees and lower interest rates when you borrow
- Potential for higher returns on savings accounts
Because credit unions are member-owned not-for-profits, they can pass along savings to their members. They are governed by people who live and work alongside you, which means they see you as more than a customer.
Can I transfer other credit card balances to my GHS Credit Card?
Apply for a balance transfer online or download a form and bring it to a GHS location.
How does my credit score affect my rate?
A higher credit score typically translates to lower interest rates and fees.
Check your own credit score for free once a year at annualcreditreport.com.
How do I sign up for mobile banking?
Signing up for mobile banking is easy. Simply download the GHS FCU Mobile App. When you log in for the first time, all you have to do is follow the prompts.
Once you’ve got the app, you can pay bills, manage your savings and checking accounts, make deposits, and more.
How do I start using online banking?
With a GHS FCU member number, you’re ready to sign up for online banking. In addition to your member number, you’ll need the following:
- Zip code
- Birth date
- SSN/TIN last four
What are the benefits of online banking?
GHS FCU online banking offers a variety of convenient features, including:
- Make credit card payments
- Apply for loan and make loan payments
- Check statements, transactions, and account history
- Set up and track auto payments
- Free, 24/7 access
Can I apply for a business credit card?
If you have a GHS FCU Business Savings and/or Checking Account, you are eligible for a Business Visa Platinum Credit Card.
Take advantage of no annual fees, low rates starting at 7.90% APR, free e-Statements, and online bill payment.
How do e-Statements work?
Enjoy the convenience of accessing your credit card statements online. They’re also available as PDFs, so you can print and save them for your records.
We offer e-Statements for bank accounts and a variety of loans.
How do I earn Visa ScoreCard Rewards Points?
As a rewards credit card, you earn points every time you use your Visa Platinum Credit Card. You can redeem the points to put toward some of the following:
- Travel, experiences, and event tickets
- Name-brand electronics, household items, and more
- Gift Cards
- Cash back
- Charitable donations
- And more!
Learn more and log in to view your reward points
What if I can’t access a GHS ATM?
Access a GHS no-fee ATM any place, any time. Visit any ATM featuring logos from either Allpoint or Co-Op to access your GHS accounts.
You can also find the closest GHS ATM with our ATM finder.
*APR = Annual Percentage Rate. 0% APR introductory rate and then, 7.90% APR to 17.90% APR fixed rate after the first six months. Rate shown is “as low as.” All loans subject to credit approval. Rate and term to be determined based on credit worthiness. The rate will not increase while the plan is open. Refinancing of existing GHS FCU loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.
FAQs
Is It Easier to Get a Credit Card From a Credit Union? When you apply for a credit card through a credit union, you may expect the credit union to check your credit score. However, as a member with less-than-perfect credit, you might find it easier to qualify for a credit card through your credit union than a bank.
What are the credit card codes? ›
A credit card security code is a three- or four-digit number designed to prevent fraudulent transactions. You might hear this code referred to as the Card Verification Value (CVV). Other common names for it include Card Security Code (CSC), Card Verification Code (CVC or CVC2) and Card Identification Number (CID).
What is the credit card checkout code? ›
A credit card authorization code is a two- to six-digit alphanumeric code that indicates whether a transaction has been approved or declined.
What is the credit card verification amount? ›
Card Verification Value is a number that is printed on the back (Visa and MasterCard) of your credit or debit card. This number is never transferred during card swipes and should only be known by you the cardholder.
What credit score is needed for a credit union credit card? ›
You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history. There are credit union cards for every credit level, and some of the best credit union cards are only available to people with excellent credit.
What bank is the hardest to get a credit card from? ›
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
What is the first 4 digits of a credit card? ›
The Bank Identification Number (BIN), also known as the Issuer Identification Number, is the first 4–8-digit sequence at the beginning of the card number. As you can see in the table above, the BIN contains the industry identifier and indicates the financial institution that issued the card.
What is code 44 credit card? ›
Code '44' indicates the Card Code declined by payment processor. Code '45' indicates AVS and Card Code mismatch; declined by account settings. Code '65' indicates Card Code mismatch; declined by account settings. Code '250' indicates Fraud Detection Suite (FDS) blocked IP address.
What is the 3 code on a credit card? ›
A CVV number is a 3- or 4-digit code printed on a credit or debit card that offers additional proof that you're the rightful owner of that card. Learn how CVV numbers offer an additional layer of security when shopping online.
What are the first 8 numbers on a credit card? ›
The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer.
4400 – This prefix is commonly associated with Visa branded debit and credit cards issued by various banks. Cards that start with 4400 are part of Visa's extensive network and are widely accepted both domestically and internationally. 5466 – Credit cards that begin with 5466 are typically MasterCard products.
What card number is 4111 1111 1111 1111 CVV? ›
What credit card should we be testing with? Only pre-approved 'test card' numbers provided by Windcave can be used for testing, within test environments. We recommend using the test card 4111 1111 1111 1111 for Visa, 5431 1111 1111 1111 for MasterCard, 3711 1111 1111 114 for Amex, and 3600 0000 0000 08 for Diners.
What is a credit card validation code? ›
The Card Verification Code, or CVC*, is an extra code printed on your debit or credit card. With most cards (Visa, MasterCard, bank cards, etc.) it is the final three digits of the number printed on the signature strip on the reverse of your card.
What is the payment verification code? ›
CVV is a security feature in the form of 3 digits on the back of your card to the right of the signature strip or 4 digits on the front of your card. It can also be called CSC, CVV2, CVC, or CVC2. For this verification method, we'll ask you to enter the CVV security code found on your credit or debit card.
What is the credit card number and verification code? ›
Visa/MasterCard/Discover: The Verification Code is a three-digit number on the back of your Visa/MasterCard/Discover credit card. The full credit card number is reprinted in the signature box and at the end of the number is the Verification Code.
Do you need a good credit score to open an account at a credit union? ›
As long as you meet the membership requirements, a poor credit score typically won't be a dealbreaker when it comes to joining a credit union. Credit unions usually don't check your credit score when you open a checking or savings account.
Do credit unions give higher credit card limits? ›
Credit limits for credit union credit cards are often lower than the limits that traditional banks offer, at least when you first open the card. Your limit should increase, though, once the credit union you're banking with sees that you are able to make your payments on time.
What is the easiest credit union to get into? ›
Joining Credit Human Federal Credit Union is a pretty easy and straightforward process. All you have to do is become a member of the American Consumer Council. Credit Human will cover the fee if you sign up through your account application.
Do credit unions offer unsecured credit cards? ›
Credit union credit cards are issued in the same manner as bank cards. If you're applying for an unsecured card, you'll have to fill out an application form and both financial institutions will evaluate your history.
