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Home > > Pulaski Bank Gold Visa

Pulaski Bank Gold Visa

Low rate
No annual fee
0% balance transfers
No fee balance transfers

Don't be left out in the cold

with your current credit card

Annual Percentage Rate for Purchases and Cash Advances:
7.99%
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
NONE
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
NONE
Transaction Fee for Balance Transfers:
NONE

Transaction Fee for Cash Advances
Advances and Other Fees: Cash Advance Fee: None
Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
2

DID YOU KNOW?

You may think that the rate you are paying on your current credit card is low, but chances are it isn’t the lowest rate you could be paying. 0% interest rate credit card offers are still available…do you have one? If not, why not? If you don’t have a low interest credit card in your wallet, you may be missing out on a great way to save yourself hundreds of dollars per year. Let’s take a look at some of the ways you can find a low interest credit card today.

Contact Your Current Credit Card Company.

Once in awhile, consumers can persuade their current credit card company to give them a lower rate. Unfortunately, most credit card companies will not budge much on their current rate to you or the rate they agree to give to you is not the lowest available rate going. What a hassle! While you don’t have to get rid of your current card, shopping for a new one is probably the easiest and most pain free way to secure the lowest rate.

Shop For A New Card.

Speaking of new cards, there are hundreds of credit card providers, each of whom wants your business. With bankruptcy laws tightening and consumers shopping more carefully, the competition for customers has sharpened. For smart shoppers, it is a “buyer’s market” when it comes to finding a low interest credit card that meets your needs. Rewards cards are popular and so are credit cards such as Citibank’s Citi Simplicity card which doesn’t charge you late fees. Compare the various offers out there to select the card that is right for you.

Consolidate Debt.

If you already have several credit cards and owe money on each one, consider getting a new low interest credit card with a fixed rate. Many will allow you to transfer balances from high interest credit cards -- which are currently charging you 17.9%, 21.9%, or even 24% or more per year -- to their low interest rate credit card for a small fee. You can also ask the new credit card provider to waive their balance transfer fee for even greater savings for you. In addition, some will agree to give to you a low balance transfer rate [for example, 6.9%] for the life of your balance. As you might guess, you can potentially save hundreds of dollars per year with this type of an agreement.

In all cases, if you don’t have the lowest rate available, just ask your credit card provider for it. If they are not interested in giving to you a 0% percent rate, start shopping for a new low interest credit card today that is right for you. Take charge of your finances: you have nothing to lose, but plenty of money to gain…what’s in your wallet?

If you are looking to borrow money over a period of less than ten years, whether you need the money for a purchase or perhaps to repay existing debt, then a personal loan may be suitable for your needs.

Unlike a home or auto loan, your personal loan is usually unsecured. This means that there is no collateral provided and the only guarantee that a borrower can give the lender is his reputation for good credit. This is also one of the main reasons why they have interest rates that are higher than most other loans.

Personal loans borrow an agreed sum of money for an agreed length of time, anywhere between five months and ten years. The lender offers you a personal loan because they make money by charging interest on it, though the interest rate can be either fixed or variable. In most cases you'll get a decision within 24 hours.

Getting a secured loan can be tricky, but below are some steps that can make securing a personal loan easier.

Get Secured

If at all possible, start off with a secured personal loan. Secured personal loans will first, allow you to secure a higher amount of money on your personal loan at a lower personal loan rate. They may also give you more incentive to pay back your personalloan regularly since property may be at risk if you default on your personal secured loan.

Research Your Loan

Getting a personal loan is a lot like getting a car. You need to find out as much information from as many personal loan "dealers" as are available. The internet is a great place to begin your search for a personal loan. It's secure and easy to use, and when things start getting frustrating you can just turn off your computer or follow another research method for your personal loan.

Go Shopping

Get as many free quotes for your personal loan as you can. Don't just look around where the best you can do is find teaser rates listed in bright flashy letters. Sit down online for some time, fill out some forms, and make the loan officers compete for your business. Many websites offer same-day responses on your personal loan request. Use the Internet to your benefit by applying online for your personal secured loan to see what you will qualify for.

Make a Plan

Take your quotes and use them to make a budget for your loan payments. If the plan just doesn't look right, don't accept it. You can always do more research. Use the loan officer as a resource - ask as many questions about your personal secured loan as possible. Ask what the rates were a month ago, ask what you would need to do to qualify for a better rate, ask anything that will help you get a better rate, a better amount, and a better payment.

When making your plan, remember that larger loans will result in a longer repayment term. It is not uncommon for the purchase of a car to established with a repayment term of 3 years while the term for home improvement loans can be for much longer terms, sometimes as long as ten years.

Making repayments under personal loans is the same as servicing any debt you may have. If you find that you have difficulty in making your repayments, seek advice from your lender at the earliest opportunity. The earlier you tell them of the difficulties the more understanding they are likely to be.

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CREDIT CARDS BY APR

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INTRO PERIOD

Pulaski Bank Gold Visa

Don't be left out in the cold