The Lowdown on the Pulaski Credit Card

Posted by Nick Niesen on October 29th, 2010

Pulaski Bank & Trust entered the credit card market towards the end of 1994. Since then, they have been offering the lowest interest rates on credit cards. In fact, the Pulaski Bank Visa/MasterCard is catered for consumers with a good credit score seeking for a low cost card and minimal perks.

Currently, the interest rate for the Pulaski Credit Card is fixed at 7.99% for new purchases, balances transfers and cash advances. This makes the card an attractive option for individuals who plan to bring forward a revolving balance. Although the annual fee of $35 is a significant cost, but upon closer inspection, you will realize that this is indeed a low and reasonable rate for credit cards with low interest rates.

In addition to the low interest rates on all transactions, this card also does not impose fees for balance transfers or cash advances. What?s more, there is also a six-month 0% introductory rate. The credit limit is set to a maximum of $15,000, with which the exact credit limit is dependent on an individual?s income amount.

Due to the overwhelming response to this card?s low interest rates, the application process can take quite a while, with 30 days being the average high. Also, more detail in personal information is requested by the Pulaski & Trust Bank for applications processing as they exercise greater diligence in their credit approval process.

On the flip side, this card does not provide much in terms of extra perks. But in view of the really low interest rates and charges, who would need all these perks when you can already save on finance costs?

To sum it up, this card would really be applicable for credit card users who plan to bring forward a large portion of their outstanding balances to the following month, or even to utilize a revolving balance. In fact, with the really low costs, the Pulaski Credit Card would also be ideal for those who are seeking for a credit card to transfer their balances to. Yes, in these cases, consumers need not look any further once they have found the Pulaski Credit Card.