|
Additional Details, Terms and Conditions |
|
| Category | Regular |
|---|
| Status | Gold |
|---|
| Introductory Percentage Rate | 0.00 |
|---|
| Introductory Time Period | 6.00 |
|---|
| Intro Applies To | Balance Transfers |
|---|
| Intro Details | The introductory rate is available on balance transfers submitted during the first three months. |
|---|
| APR for Purchases | 8.000 |
|---|
| Purchase Rate Type | Fixed |
|---|
| APR for Cash Advances | 8.000 |
|---|
| Cash Advance Rate Type | Fixed |
|---|
| Finance Charge Calculation | Average Daily Balance (including new purchases) |
|---|
| Annual Fee | $0 |
|---|
| Additional Annual Fees | $0 |
|---|
| Annual Fee Detail | None |
|---|
| Grace Period | 25 Days |
|---|
| Late Payment Fee | $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
|---|
| Over Limit Fee | $35 |
|---|
| Cash Advance Fee | None |
|---|
| Balance Transfer Fee | None |
|---|
| Minimum Balance Transfer | n/a |
|---|
| Maximum Balance Transfer | n/a |
|---|
| Additional Perks | See website for additional benefits. |
|---|
| Notations | See website for complete terms and conditions of card usage and application disclosure. |
|---|
| Features / Benefits: | Fixed Rate APR of 8% |
|---|
| 1 | No Annual Membership Fee |
|---|
| 2 | 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles. Applies to Balance Transfers Processed within 3 Months of Your Account Open Date |
|---|
| 3 | No Transaction Fee for Balance Transfers |
|---|
| 4 | 25 Day Grace Period |
|---|
| 5 | Online Access to Credit Card Account Information |
|---|
| Rating | 4.50 |
|---|
| Benefit Rating | 3.00 |
|---|
| Best Feature | Reasonably low APR; 0% introductory rate for six months; no annual fee. |
|---|
| Worst Feature | No rewards program option. |
|---|
| Review | The Pulaski Bank Gold Visa® Card, issued by Pulaski Bank, is designed for those with good credit who are looking for a very low cost credit card.
The best feature of this credit card is the reasonably low fixed interest rate offered at 8.00% for all transactions; it offers a very low cost option to those who plan to carry a revolving balance. It is important to note that the rate for purchases and cash advances is the same, which is a rare benefit, considering that the APR for cash advances is usually significantly higher.
There is also a very attractive 0% introductory rate for six months on balance transfers submitted within the first three months. In addition, there is no annual fee for the card.
Aside from the reasonably low interest rate, cardholders can expect common gold benefits, such as travel and emergency assistance services, as well as various purchase protection services. However, members should not expect any extraordinary benefits or services offered by the card.
Those who plan to carry a balance (due to the reasonably low interest rate offered) and do not want to pay an annual fee will benefit most from what the Pulaski Bank Gold Visa® Card has to offer. |
|---|
| Date of Data Update | 2008-11-13 00:00:00 |
|---|
| | |
|---|
|
| |
