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Garden State Community Bank Visa Signature® Card with Maximum Rewards®


Credit Card Rate Information:

 
Purchase
Balance Transfer
Cash Advance

Index:
 prime
 
 
Margin:
 10.74 - 16.74
 10.74 - 16.74
 21.99
APR:
  13.99% - 19.99% Variable
 13.99% - 19.99% 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:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
 
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 This APR may be applied to your account if you make a late payment or make a payment that is returned.
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:
 No limit to the number of points you can earn. Redeem points for merchandise, gift cards, travel on any major airline, or cash back in the form of a statement credit.
Special Notes:
 APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; After that, your APR will be 13.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%; If your APRs are increased to the Penalty APR, the Penalty APRs may apply indefinitely. 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 Fee: 3% of each transaction in U.S. dollars. Returned Payment Fee: Up to $35.
Card Issued By:
 First Bankcard, a division of First National Bank of Omaha for Garden State Community Bank
General Correspondence Address:
 
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 NJ
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 



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