Dion C. Coleman, 27, of West Milford was nabbed just after 1 a.m. at the Walmart on Passaic Street, Detective Capt. Darren Sucorowski said.
Police found him carrying the card and other items taken during a car break-in reported on Harrison Avenue around 11:45 p.m.
Coleman was charged with burglary, receiving stolen property and credit card theft.
He was being held in the Bergen County Jail pending a detention hearing.
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