Gettington Credit

Gettington Credit Review

This is a store credit card issued by WebBank, Member FDIC. If you're wondering whether Gettington Credit is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 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, Member FDIC 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 will have good approval odds if your credit score is above 600.

Pros & Cons of Gettington Credit

The Good	The Bad
No annual fee. Considers applicants with fair 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 benefits.

Gettington Credit FAQ

Does Gettington Credit have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Gettington Credit?

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 higher than average regular APRs.

Gettington Credit has a fixed purchase APR of 29.99%.

What are the fees for Gettington Credit?

The following fees apply:

Gettington Credit Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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

Does Gettington Credit report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.