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Additional Details, Terms and Conditions |
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| Category | Regular |
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| Status | Standard |
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| Introductory Percentage Rate | 0.00 |
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| Introductory Time Period | 6.00 |
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| Intro Applies To | Balance Transfers |
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| Intro Details | Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of account open date. |
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| APR for Purchases | 8.750 |
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| Purchase Rate Type | Variable |
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| Minimum APR on Purchases | No |
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| APR for Cash Advances | 10.250 |
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| Cash Advance Rate Type | Variable |
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| Minimum APR on Cash Advances | No |
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| Finance Charge Calculation | Average Daily Balance (including new purchases) |
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| Annual Fee | $0 |
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| Additional Annual Fees | $0 |
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| Annual Fee Detail | None |
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| Grace Period | 25 Days |
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| Late Payment Fee | $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
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| Over Limit Fee | $35 |
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| Cash Advance Fee | 5%, $5 minimum, $100 maximum |
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| Balance Transfer Fee | None |
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| Minimum Balance Transfer | n/a |
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| Maximum Balance Transfer | n/a |
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| Additional Perks | Various internet account services.
Lost and stolen card reporting.
See website for additional benefits. |
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| Notations | *The APR for purchases and balance transfers ranges from 8.75% to 15.25%.
The APR for cash advances varies according to the applicant\'s credit history and will be the Prime Rate + 7% up to the Prime Rate + 9%.
See website for complete terms and conditions of card usage and application disclosure.
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| Features / Benefits: | No Annual Membership Fee |
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| 1 | Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date |
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| 2 | No Transaction Fee for Balance Transfers |
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| 3 | 25 Day Grace Period |
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| 4 | Online Access to Credit Card Account Information |
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| Rating | 4.50 |
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| Benefit Rating | 2.50 |
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| Best Feature | No annual fee. |
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| Worst Feature | No rewards program. |
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| Review | The IberiaBank Visa® Classic Card, issued by Pulaski Bank, is designed for those with average credit who may occasionally carry a balance.
The card has no annual fee and offers a low introductory rate that can be applied towards balance transfers for the first six months. Although this card does not offer a rewards program, it does offer access to common services and benefits, including online account access and lost and stolen card reporting.
Therefore, those who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Classic Card has to offer. |
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| Date of Data Update | 2009-06-24 00:00:00 |
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