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Pulaski Bank Gold Visa® Card Review
Issued by Pulaski Bank
  
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Overall Rating:
Benefit Rating:
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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 and 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 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.
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 and 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 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.
Review Date: May 16, 2008
Note: The review on this card was updated on May 16, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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0% APR for 6 Months |
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Intro Applied Towards:
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Balance Transfers |
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Additional Intro Details:
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The introductory rate is available on balance transfers submitted during the first three months. |
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Purchase APR:
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8.00% (Fixed) The APR for purchases is based on the Prime Rate. |
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Cash APR:
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8.00% (Fixed) The APR for cash advances is based on the Prime Rate. There is a minimum APR on cash advances. |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Grace Period:
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25 Days |
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Late Payment Fee:
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$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 the Limit Fee:
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$35 |
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Cash Advance Fee:
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None |
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Balance Transfer Fee:
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None |
| Features | |
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Most Attractive Feature(s):
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| Reasonably low APR; 0% introductory rate for six months; no annual fee. | |
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Least Attractive Feature(s):
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| No rewards program option. | |
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Additional Features:
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| Various Internet account related services. Auto rental insurance. Various travel and emergency assistance services. Emergency cash replacement. Emergency card replacement. Lost and stolen card reporting. No liability for unauthorized transactions. See website for additional benefits. |
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Important Notations
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| See website for complete terms and conditions of card usage and application disclosure. | |
| Additional Information | |
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Apply Online for the Pulaski Bank Gold Visa® Card from Pulaski Bank See other Regular Credit Cards See other Credit Cards Issued by Pulaski Bank See other Visa Credit Cards |
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