New Jersey is a very strict "may issue" state when it comes to concealed carry. People applying for a permit have to "specify in detail the urgent necessity for self-protection, as evidenced by specific threats or previous attacks which demonstrate a special danger to the applicant's life that cannot be avoided by means other than by issuance of a permit to carry a handgun.". In practice New Jersey is closer to a "no issue" state. The only real exceptions are retired law enforcement, and armed security guards. Armed security guards require a letter from their security company to get a permit, even then the permit is usually restricted to carrying only while they are on duty.
Concealed carry is the ability to, legally carry a gun that is not plainly visible. This applies to carrying it on one's person, or inside their vehicle. While many states allow concealed carry of a firearm on one's person with a permit, most do not allow concealed carry in a vehicle, or have strict guidelines on how the gun must be stored.
Most states require the applicant be at least 21 to apply for a permit, along with other requirements unique from state to state. There is a fee invaulved in getting a CCW which varies widly from state to state. Some states honor the concealed carry permit of certain other states (see the Permits Honored section for a complete listing).