Gesa Credit Union Share Secured Platinum Card Review

This is a secured credit card credit card issued by Gesa Credit Union. If you're wondering whether Gesa Credit Union Share Secured Platinum 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.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Gesa Credit Union Share Secured Platinum Card has a variable purchase APR that ranges from 6.99% up to 18.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% 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 relatively good approval odds.

Does Gesa Credit Union Share Secured Platinum Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Gesa Credit Union Share Secured Platinum Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Gesa Credit Union Share Secured Platinum Card?

Gesa Credit Union Share Secured Platinum Card has a variable purchase APR that ranges from 6.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 6.99% up to 18.99%. It also has a variable cash advance APR that ranges from 6.99% up to 18.99%. Note that late payments are subject to an APR of 22.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Gesa Credit Union Share Secured Platinum Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Gesa Credit Union Share Secured Platinum Card report your account activity to credit bureaus?

Yes, Gesa Credit Union Share Secured Platinum 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 Gesa Credit Union Share Secured Platinum Card

• Visit the Gesa Credit Union Share Secured Platinum 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.