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Have you ever imagined having a card that not only makes your purchases easier but also helps improve your financial history? Well, the Gesa Wise Secured Credit Card does that and much more with a total waiver of annual fees.
With it, you don’t need to worry about acceptance and still have the security of having your transactions guaranteed by your savings account balance. It’s like having the best of both worlds: financial control and growth opportunities.
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Want to know how this card can transform your financial life? Keep reading and discover all the details about it, including its benefits and how it can be the key to a stronger financial future.
About the Issuer
Gesa Credit Union is a financial institution committed to the financial well-being of its members. Founded in 1953, Gesa is dedicated to offering products and services that make its clients’ financial lives easier, always with a community touch.
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With various account options, loans, and credit cards, Gesa stands out for its inclusive and accessible approach. Additionally, the institution invests in financial education programs, helping its members make informed and conscious decisions.
Gesa Credit Union’s mission is clear: to provide financial security and support the local community. Using a product like the Gesa Wise Secured is also a way to contribute to social and educational projects.
Benefits
No Annual Fees: One of the biggest attractions of the Gesa Wise Secured is that it has no annual fee. This means you can use the card without worrying about a fixed annual charge, allowing significant savings over time.
0% Introductory APR on Balance Transfers: For the first six months, you can enjoy a 0% rate on balance transfers. This is an incredible advantage for those needing to consolidate high-interest credit card debts.
Credit Building: By using the Gesa Wise Secured and making timely payments, you contribute to a positive credit history. Gesa Credit Union reports your activities to major credit bureaus, helping you build or rebuild your credit effectively and securely.
Car Rental Insurance: If you often rent cars, this benefit is perfect. The Gesa Wise Secured offers collision damage insurance on rented cars, providing peace of mind during your trips. Just check the terms and conditions to take advantage of this benefit.
No Foreign Transaction Fees: Traveling abroad can be expensive, but with the Gesa Wise Secured, you don’t need to worry about foreign transaction fees. This makes your purchases and spending during trips easier, without unexpected additional costs.
Security Deposit: The credit limit on the Gesa Wise Secured is determined by the security deposit made by the cardholder. This deposit serves as collateral and defines the available credit limit, providing secure and efficient financial control.
Gesa Wise Secured – Fees and commissions
The Gesa Wise Secured credit card is completely free of an annual fee, making it even more advantageous for those looking to save. For new accounts, there is a 0% introductory fee valid on balance transfers for up to 6 months.
These balance transfers must be completed within 60 days from the account opening date to qualify for the introductory fee waiver. At the end of the mentioned period, the APR returns to the normal variable rate between 14.24% and 26.24%.
Gesa Wise Secured – Card limit
Gesa Wise Secured is a secured credit card, which means that the credit limit is determined by the amount of security deposit made by the cardholder, providing greater payment security to the bank.
The minimum limit of the Gesa Wise Secured card typically starts lower, equivalent to the initial deposit. This amount can be increased over time as the customer develops their credit history.
This strategy is very interesting and helps many people when it comes to re-establishing themselves in the financial market, allowing them to once again have access to various credit-related products.
Positive points
- 0% APR INTRODUCTORY RATE:Enjoy a waiver of the APR for 6 months for balance transfers.
- NO ANNUAL FEE:Save money with a zero annual fee.
- CREDIT PROFILE RECONSTRUCTION:The card helps the client get back into the financial market.
Negative points
- SECURITY DEPOSIT:To obtain the Gesa Wise Secured card, a security deposit is required.
- MEMBERSHIP REQUIRED:To have the card, you need to become a member of Gesa.
- FEW BENEFITS:The card offers a very limited benefits package to customers.
How to apply for Gesa Wise Secured
- With an internet-connected device in hand, access the official Gesa website;
- On the Gesa Wise Secured card page, you will find a lot of important information, so read carefully;
- Click on the “Get Started” option;
- The application form will open, and first, indicate whether you are already a member;
- Then, fill in the blank fields with your name, last name, phone number, email, monthly income, among others;
- At the end of everything, agree to the platform’s terms and click “See my offers”;
- Find out if the card can be released to you, and if the answer is positive, you will be able to start using it after issuance.
How to contact Gesa
If you still have any doubts about the Gesa Wise Secured credit card or want more information about the application, contact Gesa Credit Union through the channels below:
- Phone: (888) 946 4372
The Gesa Wise Secured card is an excellent option for those looking to rebuild or start a good credit history without giving up valuable benefits and secure financial management. Want to take the first step towards a healthier financial life? Visit the Gesa Credit Union website and apply today!
