Velenox is not a banking institution and therefore we do not offer credit cards or loans. In fact, we offer information on the financial products that best suit you, and the Velenox team is ready to serve you in the best possible way, so daily emails are sent with content that matches your interest.

How do we ensure the accuracy of our website?

Velenox analyzes financial products using official sources such as websites and blogs of institutions. Our goal is to provide calm and simple information, without pretending to mislead our user, we always recommend the official website to make the request, ensuring the security of your data, our community is everywhere, our information is free and quality, our team will always be ready to help you. We do not charge for our services and we have no links with financial institutions. We are here to make your financial life easier and better, count on us!

How is the information passed to Velenox treated?

All information you provide on the Velenox portal is stored using rigorous security protocols and international standards. This includes encryption of data from the moment you enter it into your browser, all the way through to its storage on our servers. In addition, all of this is actively audited and monitored to prevent any unauthorized access attempts or other threats. In addition, we strictly comply with the provisions of the Personal Data Protection Act (PDPA).

Is it free to use Velenox services and tools?

Yes! All recommendations are distributed free of charge, Velenox does not contain any paid content, we are just an information service.

Why is Velenox requesting my name and email address?"

We want our readers to be aware of all the financial recommendations, it is very important that you are connected to our system to be always up to date with the best financial advice.

Gesa Wise Secured Credit Card

flavia rozinholli
June 15, 2024

The Gesa Wise Secured Card is the perfect choice for those looking to build or rebuild their credit safely and efficiently. Offered by Gesa Credit Union, this card stands out for its accessibility and transparency, making it a great option for those starting to take control of their financial lives.

In addition to being a powerful financial management tool, the card provides a streamlined experience, helping users establish a solid credit history. With the security of a security deposit, this card ensures that you can manage your finances with peace of mind and confidence.

Continue reading to discover more about the benefits and details that make the Gesa Wise Secured a great ally in building your credit and managing your finances!

About the Issuer

Gesa Credit Union is a renowned financial institution dedicated to offering affordable and high-quality banking solutions to its members. Founded in 1953, Gesa has a long history of supporting local communities, providing financial services that make a difference in people’s lives.

With a customer-centric approach, Gesa Credit Union is known for offering competitive financial products and personalized service. The institution is recognized for its fair rates and transparency in its operations, ensuring that members can fully trust the services offered.

By choosing the Gesa Wise Secured Card, you are joining an institution that values financial education and community development, providing not only excellent banking service but also a positive impact on your community.

Benefits

Credit Building: The main benefit of the Gesa Wise Secured Card is the opportunity to build or rebuild your credit. By using the card and making payments on time, you can establish a positive credit history, as Gesa reports your activities to major credit agencies.

No Annual Fee: One of the major attractions of the Gesa Wise Secured Card is the absence of an annual fee, which represents significant savings for users. This benefit makes the card even more accessible for those looking to start building credit without incurring additional costs.

0% APR Introductory Rate: The card offers a 0% APR introductory rate on balance transfers for six months. This advantage is ideal for those needing to consolidate debts from other cards with higher rates, providing financial relief during the introductory period.

Rental Car Insurance Coverage: The Gesa Wise Secured Card includes rental car insurance coverage, ensuring additional peace of mind when you’re traveling. This benefit can be quite useful, offering protection against damages and collisions.

No Foreign Transaction Fees: Another important benefit is the absence of foreign transaction fees, making it easy to use the card during international travels. This ensures that you can make purchases and payments without incurring extra costs.

Gesa Wise Secured – Fees and commissions

The Gesa Wise Secured card stands out for its transparent and fair fees and commissions. There is no annual fee, which already represents significant savings for the user. The annual interest rate (APR) starts at 14.24%, varying according to credit analysis.

Additionally, the card offers an introductory 0% APR on balance transfers for six months, a great advantage for those who need to consolidate debts from other cards with higher rates.

There are no foreign transaction fees, making it easier to use the card on international trips. When applying for the card digitally, you can openly check the fees before officially contracting it.

Card limit

The credit limit on the Gesa Wise Secured card is determined by the amount of the security deposit made by the cardholder. This deposit serves as collateral and defines the available credit limit, which can be a useful tool for financial control.

Furthermore, as a secured card, it offers a safe and controlled way to build credit, allowing users to start with a minimum deposit and increase it as their confidence and financial capability grow.

After establishing a good credit profile, you can still apply for other credit cards and count on various useful financial services such as loans and financing.

Positive points

NO ANNUAL FEE
Use the card with no annual fixed costs.
0% INTRODUCTORY APR
Benefit on balance transfers for six months.
CREDIT BUILDING
Ideal for building or rebuilding credit history.

Negative points

SECURITY DEPOSIT
Need for an initial deposit to set the credit limit.
VARIABLE INTEREST RATE
APR can be high depending on credit history.
LIMITED BENEFITS
Compared to unsecured credit cards, it has fewer rewards and additional benefits.

How to apply for Gesa Wise Secured

Access the Gesa Credit Union website;
Go to the Gesa Wise Secured card page;
Carefully check all its features;
Click on “Get started“;
Fill out the online pre-qualification form, providing your financial and personal information;
Submit the necessary financial information;
Make the security deposit;
Wait for approval and receive the card.

You will be redirected to the card website

How to contact Gesa Credit Union

For more information or assistance, you can contact Gesa Wise Secured to receive specialized service. Check out the contact channels below:

Phone: (888) 946 4372
Branch: Visit a bank branch for in-person service.

The Gesa Wise Secured card is an excellent choice for those who want to better manage their finances and build a solid credit history with the support of a reliable financial institution. Take a step towards a freer financial life and apply for yours now!