Gulf Winds Federal Credit Union

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Phone Banking and General Inquiries:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328


Lost or Stolen ATM or VISA Debit Card:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328

After Hours, Weekends and Holidays: 800.472.3272

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Toll Free: 800.449.7728    More Contact Info

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How to Apply for a No Annual Fee Credit Card and Get Approved

Posted on Monday, Sep 23, 2013

Sometimes applying for a credit card is necessary for your financial needs. You may want to make big purchases or pay off different expenses at once, and that’s when a credit card can be beneficial. At Gulf Winds, we offer no annual fee credit cards to remove one financial burden for you. Because you don’t have to worry about an annual fee, now you can focus on how to apply for your credit card and get approved.

Gulf Wind’s Platinum Credit Card has a low fixed rate, as low as 9.9% APR and no annual fee. They are accepted at millions of locations worldwide, and have built-in fraud-fighting tools that monitor and aid in fraud prevention. To apply for a credit card like this, consider these steps:

Take note of your financial status. This means staying up-to-date on all of your debts, not only credit card debt. Personal, auto and other loans also affect your credit score. Improve your chances of getting approved for a credit card and refrain from cash advances and going over your credit limit.

Avoid applying for multiple credit cards. Because lenders are looking into your credit score, applying for multiple cards at once could give the wrong impression. Although you may want to apply for a back up credit card, you could appear to be requesting much more credit than you need.

Search for the right credit card for you. To avoid hurting you credit score and applying for more than one card, plan to apply for a card for which you qualify. If your credit score is in good shape, you should have an easier time getting approved for your next credit card.

Are you considering applying for a no annual fee credit card? Gulf Winds financial specialists are here to help. Contact us or stop by one of our local branches today to learn about your financial options.

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