
Gesa Credit Union Share Secured Platinum Card
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Purchase APR (Variable APR) | 6.99% - 18.99% |
Balance Transfer APR (Variable APR) | 6.99% - 18.99% |
Credit Score Range | 500 - 850 |
Annual Fee | $0 |
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.
The Good | The Bad |
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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?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.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.
Does Gesa Credit Union Share Secured Platinum Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 6.99% - 18.99% |
Balance Transfer Fee % | 0% |
Does Gesa Credit Union Share Secured Platinum Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Gesa Credit Union Share Secured Platinum Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $28 |
Late Payment Fee | up to $30 |
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 have a foreign transaction fee?
Gesa Credit Union Share Secured Platinum Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 support contact email for Gesa Credit Union Share Secured Platinum Card?
The support contact email for Gesa Credit Union Share Secured Platinum Card is askus@gesa.com.
How do people rate the customer service and user experience of Gesa Credit Union Share Secured Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
51 Gage Blvd
Richland, WA 99352 - Visit Site
- Email Support
About Gesa Credit Union Share Secured Platinum Card
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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