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Home > Low Intro Rates > Pulaski Bank Visa MasterCard

Pulaski Bank Visa MasterCard

Low ratew
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

DID YOU KNOW?

People go into debt for a lot of reasons. Maybe you purchased a new home or car that was above your means, and now you’re struggling to pay it off. Perhaps you lost your job, and ran up your credit card bills on necessities. Perhaps you got into debt through gambling. The reasons for being in debt are as unique as the people suffering from debt. The key is in knowing when your debt has simply piled too high, and then being able to make an action plan to reduce or consolidate your debt. Here are ten warning signs that you may be in too much debt:

1. You’re living paycheck to paycheck. If your bank account runs dry towards the end of the week, before you get your next paycheck, you’re probably in over your head with debt. You should be able to pay your necessary bills, and still have money left over to put into savings.

2. You can’t pay every bill each month. If you have to make a decision each month about what bills you can afford to pay (i.e. letting your phone bill run a month behind, so you can keep your electric turned on, or vice versa), then you probably have too much debt. Your bills shouldn’t exceed your income in any amount, but especially not if you’re being forced to make a choice between necessities.

3. You applied for credit and were denied. This is a more obvious sign that you’re in too much debt. If this happens, and you don’t know why, order your credit report immediately and find out what’s wrong. Remember to fix anything on the report that isn’t correct.

4. You regularly overdraft your bank account. If you’re cutting checks to pay your bills, and they’re bouncing, you’re probably in too much debt. The same is true if you write a check for more than you currently have in your account, hoping that a deposit in the next day or two will be processed in time to cover it.

5. Collectors are calling you. This is another of the more obvious signs that you’re in too much debt. Although they may seem frightening, ignoring collectors won’t make them go away. They’ll likely just become even pushier. Your best bet is to answer your phone or call them back, explain your situation, and see what they can do to work with you. Some will be able to lower your interest rates or be able to give you an extension on your payment dates.

6. Your credit cards are maxed out. Credit cards should never be pushed to their limits. You should always keep an adequate amount of money available on them for an emergency, if one comes up. Running them up on material things that you can’t afford is a sign that you’re in too much debt.

7. You have more than five recurring debts. Having more than three credit cards at any one time can be a sign that you’re in too much debt. Couple that with more than two loans or other revolving credit (for a mortgage, car, student loans, or a computer loan), and you’re just asking for debt troubles.

8. You use your credit cards for everyday expenses. If you find yourself using your credit cards to buy groceries or other necessities, because you don’t have enough cash at the time to purchase them, you’re likely in too much debt. Use your credit cards for occasional expenses, not basics like food and utilities.

9. You only make the minimum payments on your debts. Being able to make your minimum payments on all of your debts each month does not mean that you’re in control of your debts. Creditors love people that only pay their minimum amounts, because it means they’ll make the most interest. The longer it takes you to pay your debts back, the more you have to pay over time.

10. You don’t know how much you owe. This is the biggest sign that you’re in too much debt. If you’ve ignored your debt to the point where you don’t even know what you owe, you’re likely in more debt than you think.

If two or more of the warning signs above apply to you, you’re in too much debt. The best thing you can do for yourself is to evaluate your debt, and work on a plan of attack for reducing or consolidating it. The longer you wait, the worse your debt will become, so get started on building a brighter, debt-free future for yourself right now.

Are you worried about your current debt situation, which is now getting seriously out of control? Are you thinking that it is possible that you may never be able to pay off all those loans? Are you worried about your home being foreclosed on or your credit cards being shut off for late payments? Have you even once or twice contemplating simply killing yourself to get out of debt? Well you are not alone often people jokingly talk about just killing themselves to get out of all their monthly payments and accrued debt.

Although all this may sound funny in a way your serious debt load is not simply going to go away anytime soon. And it surely is not a laughing matter, as eventually perhaps in 2020 you will have to pay off all those loans even if you only make the minimum payments on your credit card bills, which will effectively extend those payments until well into 2036. Which indeed, makes one wonder if the International Terrorists will finally get you by then or if you will make it to a ripe old age and actually be debt free?

You need to take control of your personal finances now and pay down those credit card bills and pay off those car loans and start investing and saving for the future. You cannot go on this way in perpetual debt and end up living a comfortable life style. Think on this.

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Pulaski Bank Visa MasterCard