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 credit
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 credit
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 card 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.
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