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?

	Making comparisons for a credit card can save a lot of money on interest and fees. Doing a research will help in finding a sight one that suits your needs. Let us help you in considering some points before you settle for a card. _ The first one to remember is understanding the features of credit cards. _ Do not forget to compare credit card features and costs. _ Keep tabs upon your rights & limitations before & while using your credit card. _ You should always file a complaint if you face any problem with your debit card. The first thing to keep in mind before choosing a credit s thinking about how you will use it eventually. If you want to pay your monthly bill in full and other features such as frequent flyer miles don’t interest you, then you should settle for nothing but a card has no annual fee & offers a longer grace period. But if you may come across situations where you have to come over a balance from month to month, then a card that carries a lower interest rate (APR) would be ideal for you. If you expect to use your card to get cash advances, you will want to look for a card that carries a lower APR and lower fees on cash advances. There are some cards which charges a higher APR for cash advances than for purchases. Wondering what an APR it? It is the Annual percentage rates, which state the interest rate you are supposed to pay please you, carry over a balance, take out a cash advance or transfer a balance from another card. The APR basically states the interest rate as a yearly rate. The Grace period: - A grace period is the number of days you have to pay your bill in full without triggering a finance charge. If a credit card company states that you have 25days from the statement date, provided you’re paid your previous balance in full by the due date. The statement date as given on the bill. This grace period is applicable lonely to new purchases. Some credit cards do not provide any grace period for cash advances and balance transfers and start their interest charges right away. If your balance is carried over from the preceding month, you may not enjoy a grace period for new purchases. You must look for the information about the “method of computing the balance for purchases” which tells you connecting about the inclusion & exclusion of knew purchases in this case. Never neglect the small print while deciding on anything.

VIX

This is the Chicago Board Options Exchange volatility index, one of the most closely watched of all market indicators.

It is used to gauge overall market sentiment via activity in the options market. Option traders also use the VIX as a tool to measure the market’s current assessment of risk.

Simply put, the VIX rises and falls to reflect the fear or complacency of investors. A high number, say 30 and over, indicates a great amount of concern and the likelihood that investors will sell their shares. A low number, say 20 and under, indicates a happy investor who is likely to hang onto his shares and probably add more.

Savvy investors and even day traders check the VIX to help them better time their entry into and exit from positions.

This year there are three big changes in the VIX. First, the exchange, the CBOE, will no longer use the S&P 100 representing 100 large-cap stocks on which options are traded. The new VIX will use the S&P 500, a broader index. This is expected smooth the day-to-day gyrations of the VIX.

Also, there is a new method of calculation. Rather than measuring volatility based on the prices for at-the-money options on the underlying index, the CBOE now measures volatility based on option premiums over a wide range of index strike prices including out-of-the-money puts and calls. Most important, in our view, will be the introduction early next year of derivatives based on the VIX. The CBOE has already received the OK to start a new market in futures led by the VIX. If the SEC follows through with its approval, the exchange will add options on the VIX.