Choosing the right credit card is easier than ever
Whether you want to pay down balances faster, maximize cash back,
earn rewards or begin building your credit history, we have the ideal
card for you!
No matter which card you choose, you'll enjoy important features like:
- Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
- Mobile purchasing capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
Qualifying for a West Bank Credit Card
To get a credit card, you must qualify for one. To do so, you must generally:
- Have reached age 18
- Have a good credit history
- Have a steady source of income
- Submit a credit card application that is approved
If you do not meet these qualifications, you may be able to secure a
credit card by having a co-signer. For instance, many younger adults
first build up their credit score by being listed on a parent’s credit
card. If you have had trouble getting qualified before, contact West Bank to discuss options — including other financing products and
services.
West Bank makes applying simple. You can even apply online (Opens in a new Window). And if you'd like help applying for a credit card, simply contact a financial center.
Choosing the Right Credit Card
Major credit card companies such as MasterCard and Visa offer a
range of products to meet your needs. When choosing your credit card,
however, your main considerations are:
- Interest rates
- The terms and conditions of the card (such as grace periods)
- How you will use the card
- Any annual fees or costs
- Credit limits
- Reward programs or the other features you want
If you're wondering which credit card is right for you, contact West Bank or visit one of our financial centers. A member of our team would be happy to help you. Or, if you prefer, apply online (Opens in a new Window) for
the card of your choice. Whether you prefer face-to-face contact or the
convenience of online application, West Bank is here for you.
Credit Cards Can Be Great Financial Tools
Personal credit cards can be part of your overall financial strategy, designed to help you make the most of your money. A credit card from West Bank can offer you several benefits:
- They allow you to make purchases — such as renting a car or securing a hotel room — which are difficult to make without a credit card.
- They allow you to shop safely online.
- You can get protection on big-ticket items and against fraudulent merchants.
- When used correctly, they can help you build a good credit score.
- They can provide you with the means of paying for emergencies, such as car repairs, tow trucks and anything else you need for unexpected occurrences.
- They help you track spending, potentially making budgeting easier. Some offer attractive features and bonuses, such as cash back features, reward point programs and more.
- Credit cards allow you to name other users — such as your children — so they have access to money when they need it.
- They allow you to build good spending and financial habits.
- Credit cards can be used to set up automatic payments, so you can pay your bills on time.
Having a credit card in your wallet is a little bit of extra security. You always know that if you need something, you can purchase it. Credit cards can also help you pay for something quickly, efficiently and safely. Protected by your signature and a PIN number, they offer peace of mind. With West Bank credit cards, you can choose from a range of cards with the features and rewards you want.
*Elan Financial Services provides zero fraud
liability for unauthorized transactions. Cardholder must notify Elan
Financial Services promptly of any unauthorized use. Certain conditions
and limitations may apply.
The creditor and issuer of these cards is
Elan Financial Services, pursuant to separate licenses from Visa U.S.A.
Inc., and Mastercard International Incorporated. Mastercard is a
registered trademark, and the circles design is a trademark of
Mastercard International Incorporated.
All credit is subject to approval.