Detected in the CFPB-filed cardholder agreements from Georgia'S Own Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~29.99%
Show the exact wording ↓Hide wording ↑
“…ic 21.49% This APR will vary with the market based on the Prime Rate. Visa Secured 21.49% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 29.99% This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs a…”
“…ic 22.24% This APR will vary with the market based on the Prime Rate. Visa Secured 22.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 29.99% This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs a…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.74%
Median17.99%
Highest offered17.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.74%
Median17.99%
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 3% or $10
Cash advance fee2%
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$37
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$27
Expedited Pay-by-Phone Fee$8
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Other rewards
Services
Credit card registration
Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift cards, merchandise, charities
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-533-2062
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Georgia'S Own Credit Union in the 2026 Q1 archive.