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About Our Ratings

Garden State Community Bank Discover® Card Review

Garden State Community Bank Discover® Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
12 billing_cycles
Purchase Intro:
APR:
0% Fixed
Period:
12 billing_cycles
Purchase APR:
15.99% - 22.99% Variable
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 
Margin:
 12.74 - 19.74
 12.74 - 19.74
 21.99
APR:
  15.99% - 22.99% Variable
 15.99% - 22.99% Variable
 25.24% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 billing_cycles
 12 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
5% ($10 min. )  


Notes:

Rebate Description:
 1% Cash Back on all purchases. Discover's Cash Over allows you access to cash at participating merchants.
Special Notes:
 APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; after that, your APR will be 15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles; after that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Returned Payment Fee: Up to $35. Penalty APR: None.
Credit Card More Information:

Card Issued By:
 First Bankcard, a division of First National Bank of Omaha for Garden State Community Bank
General Correspondence Address:
 
Card Type:
 Discover
Card Class:
 Other
Card Category:
 
States Available In:
 NJ
Minimum Credit Limit:
 
Maximum Credit Limit:
 $0 max.
Credit Limit Notes:
 

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