Pulaski Bank & Trust entered the credit card market towards the end of 1994. Since then, they have been offering the lowest interest rates on credit cards. In fact, the Pulaski Bank Visa/MasterCard is catered for consumers with a good credit score seeking for a low cost card and minimal perks.
Debt Consolidation And Credit Currently, the interest rate for the Pulaski Credit Card is fixed at 7.99% for new purchases, balances transfers and cash advances. This makes the card an attractive option for individuals who plan to bring forward a revolving balance. Although the annual fee of $35 is a significant cost, but upon closer inspection, you will realize that this is indeed a low and reasonable rate for credit cards with low interest rates.
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Check Credit Rating In addition to the low interest rates on all transactions, this card also does not impose fees for balance transfers or cash advances. What's more, there is also a six-month 0% introductory rate. The credit limit is set to a maximum of $15,000, with which the exact credit limit is dependent on an individual's income amount.
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Improve Credit Rating Due to the overwhelming response to this card's low interest rates, the application process can take quite a while, with 30 days being the average high. Also, more detail in personal information is requested by the Pulaski & Trust Bank for applications processing as they exercise greater diligence in their credit approval process.
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Credit Online Rating Report On the flip side, this card does not provide much in terms of extra perks. But in view of the really low interest rates and charges, who would need all these perks when you can already save on finance costs?
And don' If you have a higher credit score, you can generally negotiate a lower interest rate on credit cards. That's why it's always a good idea to check your credit score before applying for a card. If your score is above 600, you may qualify for a lower interest rate. If you have a low credit score or your credit is not well established, you may be turned down for a credit card or be required to get a secured credit card. A secured credit card requires a cash collateral deposit that becomes the credit line for the account. Almost every secured credit card charges an annual fee, and these fees vary, depending on your credit score.
Credit Score Rating Scale To sum it up, this card would really be applicable for credit card users who plan to bring forward a large portion of their outstanding balances to the following month, or even to utilize a revolving balance. In fact, with the really low costs, the Pulaski Credit Card would also be ideal for those who are seeking for a credit card to transfer their balances to. Yes, in these cases, consumers need not look any further once they have found the Pulaski Credit Card.
For some, prepaid cards can be used as a way to discipline spending habits. Since prepaid cards only use deposited funds, excessive shoppers may see them as a healthier alternative to credit cards. By using a prepaid card instead of a credit card, items are not bought on credit, eliminating the headaches of high interest rates.
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For more information or to apply for the Pulaski Credit Card, Eric Wasselman recommends Find Credit Cards.
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