The South Georgia Banking Company is a business credit card from South Georgia Banking Company. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).