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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 | The introductory rate is available on balance transfers submitted during the first three months. |
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| APR for Purchases | 6.500 |
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| Purchase Rate Type | Fixed |
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| APR for Cash Advances | 6.500 |
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| Cash Advance Rate Type | Fixed |
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| Finance Charge Calculation | Average Daily Balance (including new purchases) |
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| Annual Fee | $35 |
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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 | None |
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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 | See website for additional benefits. |
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| Notations | See website for complete terms and conditions of card usage and application disclosure. |
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| Features / Benefits: | Fixed Low Rate |
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| 1 | Best Credit Card Rate in the Country |
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| 2 | No Fee Balance Transfers |
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| 3 | 0.0% Introductory APR on All Balance Transfers |
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| Rating | 5.00 |
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| Benefit Rating | 3.00 |
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| Best Feature | Very low APR; 0% introductory rate for six months on balance transfers. |
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| Worst Feature | Annual fee. |
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| Review | The Pulaski Bank Visa® Card issued by Pulaski Bank, is designed for those with an average credit history who are looking for a very low cost credit card.
The best feature of this credit card is the reasonably low fixed interest rate of 6.50% (for purchases and cash advances); it provides a very low cost option to those who plan to carry a revolving balance. There is also a very attractive introductory rate for six months on balance transfers. In addition, the annual fee of $35 is very reasonable for such a low interest rate credit card.
However, aside from the reasonably low interest rate for all transactions, cardholders should not expect any extraordinary benefits or services offered by the card.
Those who plan to carry a balance (due to the low interest rate offered), do not mind paying an annual fee of $35, and do not care for any extraordinary benefits or services will benefit most from what the Pulaski Bank Visa® Card has to offer. |
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| Date of Data Update | 2008-08-19 00:00:00 |
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