Available Credit Cards

Capital One Financial Corporation, incorporated in July 21, 1994, is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes consumer, small business and commercial deposits, and lending conducted within its branch network. The National Lending segment consists of three sub-segments: the U.S. Card sub-segment, which consists of domestic consumer credit and debit card activities; the Auto Finance sub-segment, which includes automobile and other motor vehicle financing activities, and the Global Financial Services sub-segment consisting of international lending activities, small business lending, installment loans, home loans, healthcare financing and other diversified activities.

TDECU – Your Credit Union is more than just a financial institution. We’re a Member-owned credit union serving more than 303,000 Members at 42 Service Centers – including 35 Member Centers – throughout Texas. We believe in providing financial solutions to help improve the lives of our Members. We’re not focused on the mortgage, the auto loan or the CD. Our focus is on helping our Members achieve dreams like home ownership, ensuring a reliable vehicle to get to work or safely deliver the kids to soccer practice – and the peace of mind knowing retirement years are all squared away. We’re by our Members’ sides during the good times, and we’re here to provide support during the tough times.

Genesis Financial Solutions, Inc. is the leading provider of non-prime consumer financing solutions with over 2.2 million customers, 200,000 new cardholders monthly, and 1,000 team members. Genesis provides advanced financing technologies and respectful service for non-prime consumers through our merchant and direct-to-consumer credit card programs. Our programs offer consumers, who are typically turned down by a prime lender, a second chance to access financing and credit cards with simple terms, competitive rates, and excellent customer service. For more information visit Genesis’ website at www.genesis-fs.com.

These attributes are essential for maintaining your credit card cost related to fees, interests, and penalties.

The Interest Rate - A credit card's interest rate should be your primary focus. Don’t get dazzled by the immediate points or sign-up gifts. You should pay attention to APR percentages and especially, if, when, how such percentages will change. Some cards have introductory APR rates that are attractively low but after you become a member, chances are, that percentage rate will be readjusted in due time

The Fee - During the global financial crisis in 2008, the credit crunch was, simply puts, the inability of consumers to acquire credits in order to make consumer purchases that would benefit businesses and workers. When a large number of consumers stopped making minimum payments, the industry had to shift back to applying the qualification of having at least an annual fee. 

If you signed up for a rewards credit card, you may expect to pay an annual fee.