Gettington Credit Review

Gettington Credit is a store credit card issued by WebBank. If you're wondering whether Gettington Credit is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.99%
• 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.
• Accepts cosigners. WebBank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

Gettington Credit Pros and Cons:

The Good	The Bad
No annual fee. Considers applicants with fair or poor credit. Gettington Credit reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card rewards.

Is there a Gettington Credit cash back or rewards program?

No, Gettington Credit does not offer a rewards program.

What are the relevant APRs for Gettington Credit?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Gettington Credit has higher than average purchase APRs.

Gettington Credit has a variable purchase APR starting at 29.99% .

What are the fees for Gettington Credit?

The following fees apply to Gettington Credit:

Gettington Credit Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$38
Late Payment Fee	$38

Does Gettington Credit report your account activity to credit bureaus?

Gettington Credit 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 can help improve your credit score.

How to apply for Gettington Credit

• Visit the Gettington Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.