• Full Service credit card program options are brought to you through a partnership of the Georgia Credit Union Affiliates, Card Services for Credit Unions and Fidelity National Information Systems, Inc.
• The implementation time to start a Full Service program is a minimum of 12 weeks.
• The credit card plastics, statements, letters and all other correspondence for your program will be branded with your credit union name or logo.
• Loan decisions, funding of receivables, loan losses, maintaining a credit card program database, accounting, member service and marketing will be handled by your credit union.
• Chargebacks, first line member service, lost/stolen calls, fraud monitoring and gathering documentation for fraud claims will be handled by Fidelity National Information Systems, Inc. staff.
• Your credit union will retain all finance charge, fee and interchange income.
• Training for a new program, creating applications and a credit card policy are the responsibility of your credit union. There are several sources that GCUA can refer your credit union to for help.
• Your credit union will be responsible for deciding the parameters of your card program, such as interest rates, fees, reissue criteria, etc.
• You can choose from either Visa or MasterCard programs – Classic, Gold, Platinum and Platinum Preferred (with ScoreCard Bonus Points redeemable for rewards and travel options, $1,000,000 Travel Accident Insurance and 24 X 7 member service). Business card programs and Merchant processing are also available through Fidelity National Information Systems, Inc. Items of interest that are available through Fidelity National Information Systems, Inc. are as follows: interest rates can be fixed or variable; credit limits start at $500 and can go as high as your credit union would like; promotions can be offered to cardholders; Letterchecks and ScoreCard (Cash Back or Bonus Points) are available.
• Marketing materials and pre-approval mailers are available for purchase through the GCUA Marketing Department and Fidelity National Information Systems, Inc. Custom materials and marketing plans are available upon request through the GCUA Marketing Department.
• GCUA's Card Services Department provides daily support for your credit union's card program. We handle requests for research, program implementation and parameter change paperwork, training requests, portfolio analysis, promotions and our staff is source of consultation for many aspects of maintainng a card program. We offer several training class opportunities during the year, usually in the Atlanta area.
• Card Services for Credit Unions is a trade association partnered with Fidelity National Information Systems, Inc. that offers sponsorship for your credit union's membership into Visa or MasterCard. CSCU represents 2,100 credit unions with more than 12 million cards at Fidelity National Information Systems, Inc. and Visa and MasterCard. CSCU also offers an Internet-based portfolio development tool called the Virtual Card Consultant, provides training classes around the country and holds an annual meeting. The annual meeting provides educational sessions and speakers, as well as creating an opportunity for access to GCUA staff, Fidelity National Information Systems, Inc. staff and management, representatives from Visa and MasterCard and peer credit unions.

For more information, please contact Maureen Bock at 800-768-4282 or 770-476-9625, ext. 371.