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
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DID YOU KNOW?

	Many credit card holders aspire for a higher credit card limit. The obvious reason for this is that a higher credit card limit enables the purchase of otherwise unaffordable merchandise. First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank. Below are 7 other ways to get a higher credit card limit. • The most important thing to do for getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when giving a higher credit limit. • Attract positive attention from the credit card company or bank by paying finance charges once in a while. Obviously, this is not advisable on a repeating basis and should only be used as a last resort to increase your chances of getting a higher credit limit. Proving to credit card companies and banks that you are good "borrower" can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying finance charges which can accumulate in a hurry. And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees. • Always spend within your credit card limit because doing so means that you are capable of controlling your expenses. • Use your credit cards regularly. Don’t keep your cards for emergency use only. If you use your credit cards sparingly, banks and credit card companies will be unable to understand your spending and pay-back behavior. Under these circumstances, most banks and credit card companies will be reluctant to give you a higher credit card limit. • Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will usually give you a better chance of getting a higher credit card limit. • Avoid late payments as much as possible. Not only will your increase payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit card limit. • The best and simplest strategy for getting a higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay on-time. The bottom line is that your performance in the records of banks and credit card companies will determine whether you’ll get a higher credit card limit or not.

It's well documented that if we love our work, then we usually become experts at it and eventually the money shows up. Makes sense, but this is a slight shift on that concept. I want you to literally look at the concept of selling love for money. This has nothing to do with prostitution. Prostitution lacks love which is the core of what's wrong with that industry. No, I'm talking about infusing your product with love before selling it. Love is a magical indescribable element that uplifts, nurtures, blesses, and lightens the recipient. Add it to your product and watch the profits soar.

By adding your love and light energy to your product, you are creating a product that uplifts, nurtures, blesses, or somehow lightens the life of the person purchasing your product. It will come across as so much more than just good customer service. If you have two identical items of the same quality and price, the one with joy will magnetize the buyer. They may or may not be able to describe exactly what it was that made that product stand out over the others.

My mother is a perfect example of this concept. She is an entrepreneur at heart without any form of business school or higher education. Every business she's ever run has been extremely successful. She is organized and business smart, but that's not what sets her apart from everyone else. She usually works in industries that she finds an interest in, however one time she decided to run an auto parts shop for my step dad. She was definitely not an expert in her industry. She dove in with an upbeat positive can-do attitude and got to work. Besides selling a quality product at a quality price, she infused the entire shop with her electric energy and light. She is a natural salesman because she's so amazingly bright and cheerful. No matter what kind of business she's operating she treats every customer like a small town neighbor that she's known all of her life. I didn't grow up with her so as an adult visiting her, it was amazing for me to watch her work this special magic of hers. She makes everyone feel smart, special, and cared about. People like to do business with her. She can charge whatever she wants and work as few or as many hours as she likes because people will gladly pay for that feeling they get when in her presence. Her customers and employees treat her with a certain hero worship.

Whether you are selling a product that you really believe in, information that you're an excited expert in, or a service that you give from your heart, you can make a fortune by putting that kind of heart and soul into your business. You can give great customer service without any joyful lightness passing between you and the customer. Put that magical blend of love and brightness into every aspect of your work. It will create a magnetic attraction around your business. Others will be mysteriously drawn to you and after doing business with you they will want to come back again and again to do even more business with you. Make it an enjoyable wonderful experience for people to give you their money.

When you start your work day, take a moment and visualize yourself, your product, your company, your advertising, your communications, everything being surrounded in your most loving caring warm nurturing light. Say a little prayer that you want to truly give of your heart and soul on this day. Ask that the people who need your gift be shown the way to you so that you can bless them with your love and talents. Remind yourself that you are going to lovingly fulfill someone's unmet needs and they will gladly pay you for having done so. Send that joyful intention out to lead you throughout your workday. Let love magnetize your work throughout every stage from creation to sales.

What if you don't own the company or aren't self employed? What then? Your job consists of giving your time and labor away to a boss in exchange for a paycheck. The truth is that this still applies. Long before my mother ever opened up any of her companies, she had to work long hours doing lowly jobs for others. She always infused her work with that same go get 'em attitude and would typically end up in a supervisor position. I remember her telling me that she liked to show up for work at least half an hour early every day just to set up her work station and to make sure she had all of her ducks in a row before the official start time. Bosses love that kind of stuff. Of course she got the promotion. Think about it, if you had two equally talented employees to choose from and one just did the basic eight hour day and the other came in enthusiastically half an hour early every morning, which would you choose to promote to supervisor? When debating how much to give employees for pay raises, the enthusiastic employee who puts love and light into their work is always going to be given the biggest possible raise. Bosses are happy to write big fat paychecks to happy upbeat employees who put their heart and soul into their work. If your boss doesn't, then you can apply for a better paying position with another company. Your joyful enthusiasm will pay off eventually.

Love your work. Pick something that you can throw yourself into with joy. Love your product. Create the best product, service, or piece of information that you can. Love your company. Be glad for the chance to work and earn a living. Love your customers. They are people just like you who have many needs and want to come away feeling special and important. Do these things and the money will flow.

Copyright 2006, Skye Thomas, Tomorrow's Edge