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Pulaski Bank Visa MasterCard

Low ratew
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
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DID YOU KNOW?

	Are you short of cash and need a payday type loan and need it quick? Well, some would argue that these payday loans are problematic and one would have a tough time arguing against that obvious statement. Should government outlaw payday loans to protect consumers? Should they add more regulations? Should the payday loan industry be regulated by the Federal Reserve? Some say that the payday loan should have more regulatory oversight, however, my experience with government regulation is that they botch everything they do. They make one rule or law and they have a built job security adding to it, making exceptions and our courts fill up with lawyers arguing over case law, letter of the law and original intent. Thus government cannot be trusted to make laws like this. What may end up happening after such a law is made is that these high-risk loans become unavailable to people who may need them in an emergency because businesses will not wish to take the risks associated with the bad debts which are incurred and the fraud they themselves end up with when folks bring in fake paychecks (forged on laser printers), ID and/or stolen paychecks. Due to government’s absolute piss poor performance at every level, in every endeavor without exception; are we sure we want them making such laws. Why not educate people, students and consumers on how to figure out percentages, credit risks and compounding interest? Will such rules be putting small businesses out of business? Payday loans may not be a good choice, but it is a consumer choice to partake or not, why do we need government making laws and reducing choice. Recommended Reading; Ayn Rand. Think on it.

While the lender will be asking for you for a lot of background information in order to ensure you are the best fit for the money they will loan out, there are critical questions you should ask the lender as well. Failure to ask mortgage lender the right questions can result in misunderstanding and ultimately the loss of a significant amount of money. Doing your research, asking the questions, and taking the time to understand the mortgage loan you are being asked will result in substantial savings, both in money and headaches.

First, find out exactly how long it will take to process your mortgage if you are obtaining pre-approval to purchase a home. This may not be as critical, but if you have already placed an offer on a home with a contigency of obtaining financing, this can be critical. The deal can be lost and someone else may buy the home out from under you, while you're still waiting around for underwriting to go through. So save yourself the headache, and get a clear picture upfront of how long the lender expects the process to take.

Secondly, ask the lender if they will be any kind of pre-payment penalty on the mortgage loan. Suree, your thinking about paying off the loan now. today you are just thinking about getting approved and then making the monthly mortgage payments. However, there may come a time in the future when you either have an opportunity to pay off the balance of the loan or you wish to re-mortgage. In either of these instances, the existence of a pre-payment penalty on the mortgage loan will become crucial. Its best to find out now rather than later.

While it may sound ridiculous, many homeowners overlook asking the lender what the interest rate on the mortgage loan will be. They are so caught up in the excitment of purchasing the home, and the anxiety of obtaining financing they simply assume they are getting a good rate and forget to check out the fine print to make sure they really are. Quoted rates and actual rates can sadly, sometimes be two entirely matters. don't get stuck with an absurdly high interest rate. Make sure you take the time to verify the interest rate you're going to be paying for over the term of the mortgage.