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Compare & Save With Our VISA® Card

Because of our cooperative, member-owned philosophy, Garden State can offer you a credit card for less – MUCH LESS.

Why Carry A Garden State FCU VISA?

You’ll save money with its superb value – without the hassles and unnecessary charges.

There are a lot of choices out there when it comes to choosing a credit card. No matter where you are financially, it’s wise to compare features, benefits, and the fine print, before committing. What can seem a fair deal at first glance may end up costing you more – in steep fees, high APRs, and other negative factors.

To determine the best value in a card, compare multiple features:

  1. Fees – There are many fees a lender may charge, including an annual fee, late payment fees, balance transfer fees, and more. Some lenders may even increase your APR if you make a late payment.At Garden State, you’ll save with no monthly, annual, or balance transfer fees. Late payment fees are fair, not excessive.
  2. Annual Percentage Rate (APR) – This is the rate of interest you pay on purchases and cash advances. Our Platinum card’s low fixed rate starts at just 9% APR,* and is significantly less than what you’ll find at the megabanks and department store cards.
  3. Rewards – Some prefer to receive rewards on their purchases. If this is you, you’ll want to review a potential card’s rewards structure. See how much you earn and if you can redeem your points for a variety of items, such as gifts or travel.Our card provides lucrative points redeemable for gifts and travel.

Also, consider your various financial preferences and practices. How do you plan to use the card? Do you count on earning rewards? Do you pay off your balance monthly or tend to keep a balance? All will impact your decision and the card you carry.

A Garden State VISA Credit Card is designed to meet your individual preferences and help you save money. Whether you prefer rewards, want a low fixed APR, or are looking to establish credit, we have a credit card option perfect for you.

Click here to apply.

*APR = Annual Percentage Rate. Subject to terms and conditions so please call the office for details. Rates subject to change without notice. A $10.00 fee will be assessed on accounts that remain inactive for one year.

Smart Moves With Your Credit Card

Enjoy the convenience of a low-cost credit card – it’s safer than carrying cash and when used appropriately, can strengthen your credit score. But if used in excess or unwisely, it can work against you.

To keep your credit card a helpful financial tool, avoid this list of mistakes:

  • Maxing out your credit line. For a healthy credit score, credit reporting agencies recommend you tap into only 30% of your available credit. When you tap out your line, you can lower your score.
  • Forgetting the fine print. Read your credit card terms regularly – try reviewing the terms twice every year. Understand your cardholder duties, including payment amounts, due dates, and the consequences if you pay late. Also check what fees you may pay, such as annual, balance transfer, over-limit or cash advance fees.
  • Missing a payment. Many lenders assess late payment fees. Will you incur a large fee or see an increase in your APR if you’re late with a payment? Watch your APR closely each month.
  • Paying only the minimum amount. By making only the minimum payment, you’ll draw out the time it takes to pay off your balance, and you’ll pay more in interest – frequently a lot more. Try to pay off your monthly balance or at least pay more than the minimum due.
  • Relying on it for everyday needs. If you need your card to cover daily expenses, it’s time to reassess your situation, budget and financial situation. You may even want to discuss things with a financial counselor. Using your card for daily needs may indicate you’re heading into difficulty.
  • Failing to monitor transactions. If you lose track of account transactions, you leave yourself open to errors or fraud. By catching unknown transactions sooner, it’s easier to correct or contest potentially fraudulent items.

Credit cards can be a convenient way to make payments and handle your finances. By taking reasonable steps and using commonsense, they remain a sound financial tool.

Source: https://www.thebalance.com/worst-credit-card-mistakes-961138.

Need Help For The Holidays?

Our credit card is your best deal this holiday season.

Don’t get taken by the fine print of a credit card that costs too much. Take advantage of a Garden State VISA Card and SAVE!

  • 10.9% APR* – Enjoy worldwide purchasing power and save with no annual or balance transfer fees.
  • Rewards – Redeem for merchandise and travel.
  • 24/7 Flexibility – Make payments, track transactions, and check your available credit online or with your mobile device.
  • Gain Peace of Mind – Protect your account from unauthorized charges and lost and stolen card charges with VISA’s Zero Liability Protection. Also sign up for Alerts or Verified By VISA for added security.

Our card is ideal for your holiday shopping needs.

There’s so much you can do with our VISA Card. Decorate, buy gifts, travel, or dine out – the choice is yours! Click here to apply.

*APR = Annual Percentage Rate. Subject to terms and conditions so please call the office for details. Rates subject to change without notice. A $10.00 fee will be assessed on accounts that remain inactive for one year.

Not A Member?

Become Part Of Our Family

You’re eligible to join! Garden State offers a variety of low-cost financial products and services and low or no fees on all accounts. Click here to learn more.