If you happen to be a New Jersey resident who’s looking to strengthen a weakened credit score, we recommend applying for the Garden State Community Bank (GSCB) Secured Credit Card. Unlike many other secured credit cards, this one doesn’t have an annual fee and the APR, while high, is reasonable when compared with secured credit cards. To open an account, you will need to make a deposit between $300 and $5,000 (in multiples of $50) when you apply, providing you are accepted. Your credit limit will be set at an amount equal to your deposit. If you continuously pay off your balance by its monthly due date, within seven months your limit can increase (subject to approval). You may even be able to get your deposit back automatically within 11 months if you maintain a good payment history. We have provided a guide below for anyone wishing to apply for this credit card. If you just scroll down, you can follow our step-by-step instructions on how to complete the online application for the GSCB Secured Credit Card.

First Bankcard is the card-issuer of this particular credit option. We invite you to read their privacy policy before you submit any of your private information to them.

Requirements

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

• Be at least 18 years of age
• Have a valid SSN
• Have a valid US mailing address
• Make a security deposit of $300-$5,000

How to Apply

Step 1 – To begin the process of applying for this card, click this link to go to the GSCB credit card webpage. From there, you will need to locate the Secured Card option from the list of credit cards and click the Apply Now link next to it. You will then be directed to the application form.

Step 2 – First Bankcard requires a significant amount of information from its applicants. To start, you will be asked to enter the following information in the indicated fields of the Contact Information section:

• Full name
• Physical address (including city, state and ZIP code)
• Home phone number
• Email address

Step 3 – You will then be required to supply the following personal and residential information into the next two sections of the application:

• Date of birth
• SSN
• Mother’s maiden name
• Years at address
• Housing status
• Monthly housing payment

Step 4 – To help First Bankcard better understand your financial situation, you will need to provide all of the financial information that is listed below.

• Present employer
• Business phone number (optional)
• Total annual income
• Checking account balance
• Savings account balance
• Investment account balance

Step 5 – You can authorize someone else to use your account, if you want. Simply provide their full name into the indicated fields of the Authorized User section.

Step 6 – At this juncture you will have to provide the details of the deposit that you will be making if your application is accepted. Enter the following information into the Secured Card Deposit Information section before clicking Continue:

• Amount ($300-$5,000 in multiples of $50)
• Account type
• Routing number
• Accounting number

Step 7 – You may now review all of the information that you have entered into your application. If you find any errors or missing items, click the Change link at the bottom of the page to make corrections. When you are finished, read the terms and conditions for this credit card and, if you consent to the provisions of this document, check the I have read the Summary of Credit Terms box. When you have proofread your application and agreed to the terms and conditions, click Submit to have your application submitted for review.

This brings us to the end of our guide. We hope that it has been of assistance in helping you to successfully complete and submit your credit card application. We wish you good luck in your financial endeavours and we thank you for choosing Card Reviews as your credit card expert.

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