How to Apply for the Fulton Bank of New Jersey Secured Visa Credit Card

Those interested in the Fulton Bank of New Jersey Secured Visa Credit Card are probably looking to establish good credit or need to boost an otherwise poor credit score. This credit card will definitely help you with that. Although you don’t get a low APR or an extravagant rewards program, you will benefit by slowly building your credit with little to no risk. How it works is, if your application is approved, you will be required to open a savings account and make a deposit that will determine your credit limit and act as secure funds for your credit card account. If you miss a payment, or can’t make a payment for whatever reason, Fulton Bank will withdraw the minimum payment amount from your secured savings account. It should put your mind at ease knowing your credit score will never falter and your payments will always be made on time. This card does come with an annual fee of $35 and a high interest rate which is currently at 21.49% (rates may vary with time). You can follow our tutorial below if you wish to apply for the Fulton Bank of New Jersey Secured Visa Credit Card.

Before submitting any personal or financial information into the application, make sure you are familiar with Elan Financial Services’ (EFS, the card-distributing company) privacy policy.

Requirements

To be eligible for this credit card, you must meet the following requirements:

Applicants must be 18 years of age or older
Applicants must have a valid U.S. address
Applicants must have a Social Security number
Applicants must make a minimum security deposit of $300 (maximum $5,000)

How to Apply

Step 1 – Navigate to the Fulton Bank of New Jersey’s credit card page. Scroll down to the Build Your Credit section and click on the Apply Now link below the Secured Visa Card.

Step 2 – You can either fill out the application form online or print it off and mail it. For the purposes of this tutorial, click the Get Started button on the left to complete the application process online.

Step 3 – The first section of the application form asks for some Personal Information. Enter the following data into the indicated fields:

First name
Last name
Date of birth
SSN
Country of citizenship
Country of permanent residence
Phone number
Email address

Step 4 – The next section asks that you provide your full address as well as Time at Address, Housing Status, and Monthly Payment. If you have an alternate mailing address, select YES and enter the full address in the fields provided.

Step 5 – Next, provide the following Income and Employment Information:

Employment status
Employer
Occupation
Primary annual income
Additional annual income (optional)

Step 6 – If you currently have any accounts with Fulton Bank of New Jersey, select YES next to each existing account and enter the total deposit account balances and how long you have had them.

Step 7 – If you’re applying for this card with another person, select YES next to Joint Applicant? and provide the applicant’s personal information.

Step 8 – At this juncture, select the Funding Account Type to be used for your security deposit along with the Account Number and Routing Number. Below that, provide an amount between $300 and $5,000 to be used as a secure deposit for the credit card account, should your application be approved.

Step 9 – The last step of the application process provides you with the opportunity to read through the terms and conditions. If you agree to these terms, tick the box at the bottom and click SUBMIT.

Your application will now be sent in for review. We trust your application will be approved and hope that our tutorial helped you with your banking goals today. Best of luck!