Gate City Bank Secured Card
in Personal Credit Cards from Gate City Bank
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| Purchase APR (Fixed APR) | 24.24% |
| Balance Transfer APR (Fixed APR) | 24.24% |
| Credit Score Range | 350 - 850 |
| Annual Fee | $35 |
Gate City Bank Secured Card Review
This is a secured credit card credit card issued by Gate City Bank. If you're wondering whether Gate City Bank Secured Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
| The Good | The Bad |
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Does Gate City Bank Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Gate City Bank Secured Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Gate City Bank Secured Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.It has a fixed purchase APR of 24.24%. The card has a fixed balance transfer APR of 24.24% . It also has a fixed cash advance APR of 25.24% .
Does Gate City Bank Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Gate City Bank Secured Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Gate City Bank Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $35 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $40 |
Does Gate City Bank Secured Card have a foreign transaction fee?
Gate City Bank Secured Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Gate City Bank Secured Card?
The Gate City Bank Secured Card customer service number is (800) 423-3344.
Does Gate City Bank Secured Card report your account activity to credit bureaus?
Yes, Gate City Bank Secured Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Gate City Bank Secured Card
- Visit the Gate City Bank Secured Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
P.O. Box 2847
Fargo, ND 58108 - (800) 423-3344
- Visit Site
Other Services by Gate City Bank
Availability
- Minnesota
- North Dakota
Feature Breakdown
| No Interest Grace Period for Late Payment | 21 days |
| Cash Advance Fee Minimum | $15 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $15 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $35 |
| Minimum Interest Charge | $1.75 |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $40 |
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