Skip nav to main content.
Zing Logo and Homepage Link
Zing Logo
Zing Logo


What kind of card are you looking for?

Explore debit cards, low-rate credit cards, and other options.

Apply Now

Cards at Zing

Frequently Asked Questions

Yes, on purchases you’ll have a fixed rate of 12.99% APR **.

There is no need for large purchases, simple small purchases with subsequent payments made on time will work. 

Your on-time payments count towards your positive payment history, just like a regular credit card.* On-time payments can make up for 35% of your credit score. 

There is not a limit on PIN transactions. However, there is a $2 fee for each PIN transaction after the first 10 made per month. See our rates and fee schedule.

To request a new card, please send us a secure message in your online or mobile banking account, call us at 303-573-1170, or visit any of our branch locations.

Understanding your account and your spending habits best prevents overdraft fees. Plus, some accounts, like our Clear Card, don’t allow you to overdraw. You could also consider an overdraft line of credit (with approved credit), which can be a great way to avoid fees and pay bills. Call us, come to a branch, or contact us in mobile/online banking with any questions.

Contact for lost or stolen cards:

Monday through Friday
8:00 a.m. – 5:30 p.m.

After Hours:

888-241-2510 (Toll Free Reporting Lost/Stolen Cards within the US)
909-941-1398 (Collect Calls Reporting Lost/Stolen cards outside the US)

Our Secured Credit Card is backed up by your savings account⁠—that’s why it doesn’t require any existing credit to open. Here’s how it works:

  1. You set aside funds in a special savings account.
  2. The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.
  3. You make monthly payments, just like any other credit card.
  4. You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.
Apply for a Debit or Credit Card Disclosures

*All loans are subject to credit approval and income verification. Must transfer an aggregate of $5,000 or more to qualify. Balance must stay on the card (except monthly payments made) for 90 days. Membership must be in good-standing. $100 will be deposited to the member’s share account 100 days after the balance transfer is made. The incentive is subject to taxation. Zing Credit Union reserves the right to discontinue this offer at any time.

**APR is Annual Percentage Rate. All loans are subject to credit approval.

Visa Credit Card Disclosure & Agreement