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Pulaski Bank Visa® Gold Card

Ongoing APR: 8.00%
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Annual Fee: $50.00
Cash Advance APR: 8.00%
Cash Advance Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Issuer: Pulaski Bank

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The Pulaski Bank Gold card has one of the best rates in the nation along with a low rate and no balance transfer fees. Don't be left out in the cold with your current credit card, use the power of "Gold" with the Pulaski Bank Visa® Gold card. You can enjoy a low APR*, no annual fee and 0.0% interest on balance transfers**.

* If at the end of your billing period your minimum payment from any preceding billing period remains due and unpaid, the ANNUAL PERCENTAGE RATE (APR) will be billed at twenty-two percent (22%) per annum (Monthly Periodic Rate of 1.833333%) and will stay at that rate until the account is brought to a current status.

** Your ANNUAL PERCENTAGE RATE (APR) for balance transfers processed within three months of your account open date, will be zero percent (0%) for the first six billing periods from the posting date of the balance transfer check. When your six billing periods have expired, the regular purchase rate will apply. If at the end of a billing period your minimum payment from any preceding billing period remains due and unpaid, the APR will be billed at twenty-two percent (22%) per annum (Monthly Periodic Rate of 1.833333%), and will stay at that rate until the account is brought to a current status. In that event, any introductory/special rate on balance transfers will terminate. When the account is brought current, the regular purchase rate will apply.

FAQs about applying for a Pulaski Credit Card.

IS THE 8.00% AN INTRODUCTORY RATE?
No, the rate is not an introductory rate. For over six years, Pulaski Bank's credit card rates have been ranked by national publications among the best credit card deals in the country.

IS THE RATE FIXED?
Pulaski Bank's rate for credit card purchases is not tied to a market index. The rate is set by Pulaski Bank's Board of Directors and is subject to change. Should the rate change, you would be notified in advance.

WHAT ARE THE CREDIT LIMITS?
Pulaski Bank's credit limits range from $1,000 to $20,000 and are assigned based upon your application and credit information.

CAN THE ANNUAL FEE BE WAIVED?
Pulaski Bank does not waive the annual fees. Even with the annual fee, your Pulaski credit card is a great bargain compared to the national average credit card rates.

WHY DOES PULASKI BANK NEED A COPY OF MY PHONE BILL?
For security purposes, Pulaski Bank verifies your home address and telephone number. Pulaski Bank tries to do this through directory assistance. If your phone number is unlisted, Pulaski Bank needs proof of your address and phone.

HOW LONG DOES IT TAKE TO PROCESS APPLICATIONS?
Due to an overwhelming response to Pulaski Bank's low rate card, it could take up to 30 days to process your application.

IS THERE A BALANCE TRANSFER FEE?
No, it is a free service. Upon approval, you can transfer your high-rate balances from other credit cards and start saving immediately. Pulaski Bank'll even provide free transfer checks with your approval letter.

WHAT IS THE DIFFERENCE IN THE THREE CARDS?
The difference between the Visa® Classic and the Standard MasterCard® is personal preference. With the Gold MasterCard® there are additional benefits such as Purchase Assurance assistance and Collision Damage Waiver.

WHY DOES PULASKI BANK NEED TO VERIFY MY EMPLOYMENT IF THEY HAVE MY PAYSTUB?
Pulaski Bank uses the paystub as a means to verify your income. Pulaski Bank verifies your employment in order to verify the information listed on your application such as length of employment, position, and salary (if possible).

WHY DO PULASKI BANK REQUIRES MORE INFORMATION THAN OTHER CREDIT CARD COMPANIES?
Pulaski Bank's low rates mean that they must be more diligent in their credit approval process. However, applicants with a good credit record should not have difficulty meeting Pulaski Bank's established credit requirements.

DOES PULASKI BANK OFFER CORPORATE CARDS?
Pulaski Bank does not offer a corporate credit card program out of the state of Arkansas.

HOW DO BALANCE TRANSFERS WORK?
Once you are approved for Pulaski Bank's credit card, you are sent a letter along with four balance transfer checks to be used like a personal check to pay off your other credit card companies, financial institutions or department stores.

See web site for complete terms & conditions

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