CREDIT CARD HELP

Find answers to all things credit card.

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member first rate

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Why is the rate on my Member First credit card being reduced?
This change is part of Golden 1’s ongoing efforts to support our members in establishing or re-establishing credit.
Do I need to do anything to ensure my Member First credit card rate is reduced?
There’s no action required by you. This change will take place automatically.
Why was my Platinum Rewards credit card changed to Member Cash Rewards+?
The updated name and card reflect the additional benefits we’re offering qualified members, including increased reward earning potential and a host of lifestyle benefits. For a full list of benefits, review our Visa Signature Benefits Guide.

Your credit card limit, rate, or credit relationship with Golden 1 will not be impacted.

 
What is difference between my Platinum Rewards card and the new Member Cash Rewards+ card that replaced it?
The new Member Cash Rewards+ offers the same low rate but with increased reward earning potential and a host of lifestyle benefits. 



 
Where can I get information about the Member Cash Rewards credit card?
The Member Cash Rewards credit card offers great rates and comes with generous cash rewards and other benefits. Details on the Member Cash Rewards card are available here.   

 
Why was I offered a Member Cash Rewards credit card when I applied for a Member Cash Rewards+ credit card?
The Member Cash Rewards+ card has a minimum credit limit of $5,000. So, if you apply for the Member Cash Rewards+ card and are approved for a credit limit less than $5,000 you may be offered the Member Cash Rewards card, which comes with lower credit limits but still great rates and rewards.

 
What is the minimum payment on my credit card?

The minimum payment on your Golden 1 credit card is determined by your account balance, interest rates, finance charges, and any transaction or penalty fees. Please see your credit card agreement and disclosures or call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361) to request a paper copy.

View all Credit Card Account Agreements and Disclosures

How do I qualify for a loan or credit card?

Qualification for a Golden 1 loan or credit card is determined by several factors, including creditworthiness and income. You can apply online for a loan or credit card today by going to the page of the loan you are interested in and clicking the "Apply Now" or "Apply Today" button. You can also apply at any Golden 1 branch or by calling our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361). Before you can fund your loan, a Golden 1 Member Service Representative or branch employee will need to verify your identity. View all Credit Card Account Agreements and Disclosures.

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