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Home > Low Intro Rates > Pulaski Bank Gold Visa

Pulaski Bank Gold Visa

Low rate
No annual fee
0% balance transfers
No fee balance transfers

Don't be left out in the cold

with your current credit card

Annual Percentage Rate for Purchases and Cash Advances:
7.99%
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
NONE
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
NONE
Transaction Fee for Balance Transfers:
NONE

Transaction Fee for Cash Advances
Advances and Other Fees: Cash Advance Fee: None
Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
2

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DID YOU KNOW?

Not everyone has the kind of good credit rating it takes to qualify for a credit card. If you have past credit problems such as bankruptcies, repossessions, or even divorces, you may not meet the stringent qualifications that credit companies use to determine who receives a line of credit. Even smaller credit blemishes, such as a history of late credit card payment, can result in a denial from a credit card company when you fill out an application. Fortunately, there is a way to get started on a brand new credit road without the best credit history. Try applying for a prepaid credit card.

What is a prepaid credit card?

You can use a prepaid credit card anywhere and any way that you would use a standard credit card. Many people use a credit card payment for utilities, online services, or other scheduled monthly bills. People also commonly complete online purchases, reserve rental cars or hotels, and bid on online auctions using a credit card account. But if you don’t have a standard credit card, you can use a prepaid credit card to do all these things and more. Several lenders offer prepaid MasterCards or Visa cards that look exactly like the regular cards.

A good place to find prepaid card offers is online. Simply enter prepaid credit card into the search box on your search engine page and start exploring your options. You can fill out the lender’s application online and open an account within a matter of days.

As part of the prepaid account, you will be required to deposit a minimum balance to kick start your line of credit. Once your account is open and your application is complete, you can use your card to charge items up to the limit on your account. As long as you make your credit card payment on time and for the minimum balance, you keep your line of credit.

Pros

· A prepaid credit card is relatively easy to get. You do not need to meet any other qualifications than a down payment and the complete application form in most cases. The card offers are available online, but if you do not have internet access that is secure, you can apply also at several retail stores.

· If you want to have a credit limit of five hundred dollars, you can deposit five hundred dollars into your account. If you want a credit limit of one thousands dollars, deposit this amount into your credit card account. Your limit is completely under your control. With the prepaid card, there are no interest charges or annual fees.

· When you use your card, you are not borrowing money from the banking institution that you got your card from. In fact, by making your credit card payment on time, you can drastically improve your credit rating. As long as you pay your balance in full each month and do not accrue any interest, your credit card debt remains stable while your credit score rises.

· You can use your prepaid card anywhere they accept the standard MasterCard or Visa cards and no one will know the difference.

Sorry to crash your party, but as we bring in the New Year, it's also time to bring in a New Tax Season. As a small business owner or self-employed person, one of the easiest ways to keep Uncle Sam off your back and out of your life is to file your forms, payments and other paperwork on time.

Over the next four months there are several key dates that you dare not forget! Here they are -- all in one place, along with links to the IRS website PDF file for that particular form, where appropriate.

NOTE: This article only addresses federal tax deadlines. Be sure to contact your state's tax department for their due dates.

Also, the calendar is adjusted for Saturdays, Sundays and federal holidays, because if a due date falls on a Saturday, Sunday, or federal holiday, then the due date is moved to the next business day.

JANUARY:

Tuesday, Jan. 17

Personal

If you pay quarterly estimated income tax payments, it's time to make the fourth-quarter payment for 2005 via Form 1040-ES. http://www.irs.gov/pub/irs-pdf/f1040es.pdf

Business

If you have employees, you must make the federal payroll tax payment for December 2005 by today (assuming you are on the monthly deposit schedule).

You use Form 8109 (found in the little yellow coupon book) or the IRS Electronic Federal Tax Payment System (EFTPS).

Tuesday, Jan. 31

Business

4th quarter and year-end 2005 payroll tax returns are due by January 31, 2006.

Here's an overview of the 4 most common federal payroll-related forms due today:

1. Form W-2 (for your employees) http://www.irs.gov/pub/irs-pdf/fw2.pdf

If you mail the W-2's, the postmark must be on or before January 31, 2006.

You may also be a recipient of a W-2 (if you work as an employee for someone else), so don't give your employer a hard time unless the W-2 is postmarked, or delivered in person, later than January 31.

2. Form 941 (for payroll tax) http://www.irs.gov/pub/irs-pdf/f941.pdf

3. Form 940 (for unemployment tax) http://www.irs.gov/pub/irs-pdf/f940.pdf

4. Form 1099-MISC

If you paid any independent contractors at least $600 in 2005, you must send each one a 1099 by January 31. http://www.irs.gov/pub/irs-pdf/f1099msc.pdf

Tip: if the independent contractor is a corporation, you usually don't have to issue a 1099. The main purpose of the 1099 is to track payments to Sole Proprietors, i.e. unincorporated self-employed people.

FEBRUARY:

Wednesday, Feb. 15

If you have employees, you must make the federal payroll tax payment for January 2006 by today (assuming you are on the monthly deposit schedule).

Tuesday, February 28

If you prepared any W-2's or 1099's (mentioned above), today is the deadline for sending a copy of those forms to the IRS.

Form W-3 is sent to the Social Security Administration, along with Copy A of any Forms W-2 you issued. http://www.irs.gov/pub/irs-pdf/fw3.pdf

Form 1096 is sent to the IRS, along with Copy A of any Forms 1099-MISC you issued. http://www.irs.gov/pub/irs-pdf/f1096_04.pdf

MARCH:

Business

Wednesday, March 15

Today is a big day if your business is a corporation.

Form 1120 -- the annual corporate income tax return for regular "C" corporations. http://www.irs.gov/pub/irs-pdf/f1120.pdf

Form 1120S -- the annual corporate income tax return for "S" corporations. http://www.irs.gov/pub/irs-pdf/f1120s.pdf

Form 7004 -- if you can't file Form 1120 or 1120S by today, here's a tip: just file Form 7004 by

March 15 and you are granted an automatic, no-questions-asked 6-month extension of time to file the return (i.e. until Sept. 15, 2006) http://www.irs.gov/pub/irs-pdf/f7004.pdf

Form 2553 -- if you want your corporation to be treated like an "S" corporation for the first time, today is the deadline for telling the IRS that you want to be an "S" corp beginning with calendar year 2006. http://www.irs.gov/pub/irs-pdf/f2553.pdf

Also, If you have employees, you must make the federal payroll tax payment for February 2006 by today (assuming you are on the monthly deposit schedule).

APRIL:

Monday, April 17

Ah, yes, the most famous tax deadline of all.

Form 1040

http://www.irs.gov/pub/irs-pdf/f1040.pdf

And if you are a Sole Proprietor, don't forget that you must file several business-related tax forms with your Form 1040. The most commonly used tax forms for the self-employed person include:

Schedule C (to report your business income and expenses) http://www.irs.gov/pub/irs-pdf/f1040sc.pdf

Schedule SE (for self-employment tax) http://www.irs.gov/pub/irs-pdf/f1040sse.pdf

Form 4562 (to deduct equipment and other depreciable property) http://www.irs.gov/pub/irs-pdf/f4562.pdf

Form 8829 (to deduct a home office) http://www.irs.gov/pub/irs-pdf/f8829.pdf

Need more time to prepare your personal tax return? Go no further than Form 4868, which grants an automatic no-questions-asked 4-month extension to file the return. http://www.irs.gov/pub/irs-pdf/f4868.pdf

NOTE: this is only an extension of time to file the return, not an extension to pay any tax due. So if you think you might owe, it may be wise to estimate what you owe and send in a payment with Form 4868; otherwise you may have to pay extra in late payment penalties and interest.

Form 1065

If your business is a Partnership or Limited Liability Company (LLC), today is also your lucky day to file the annual business income tax return -- via Form 1065. http://www.irs.gov/pub/irs-pdf/f1065.pdf

Form 8736

To get an automatic 3-month extension of time to file Form 1065, file Form 8736 on or before April 17. http://www.irs.gov/pub/irs-pdf/f8736.pdf

As if April 17 wasn't already painful enough, it's also the deadline for the first quarter estimated tax payment for Year 2006:

Personal -- Form 1040-ES. http://www.irs.gov/pub/irs-pdf/f1040es.pdf

Corporate -- Form 1120-W

http://www.irs.gov/pub/irs-pdf/f1120w.pdf

And if you're an employer, yup, it's time for yet another monthly federal payroll tax deposit -- for March 2006.

MAY:

Monday, May 1

Form 941 is due for the 1st quarter 2006. http://www.irs.gov/pub/irs-pdf/f941.pdf

Form 940 federal unemployment tax deposit is due today, if your first quarter liability exceeds $500.

Had enough? OK, OK. I'll stop here.

That should get you through the first four months of the year.

For more tax resources, here's a few more links:

Looking for a federal tax form?
http://www.irs.gov/formspubs/index.html

Looking for a state tax form?
http://taxes.yahoo.com/stateforms.html
http://www.taxadmin.org/fta/link/forms.html

IRS Website for Small Business & the Self-Employed http://www.irs.gov/smallbiz







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