Pulaski Bank Credit Card

By: EconomyWatch   Date: 5 October 2009

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EconomyWatch

The core Content Team our economy, industry, investing and personal finance reference articles.

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Pulaski Bank credit cards are known for their low interest rates and other attractive finance charges. Probably, one of the most economical credit cards available in America, they are issued only to those who have an excellent credit history.

Why Pulaski Bank Credit Cards Are So Popular

Offering the most competitive interest rates, Pulaski Bank credit cards are one of the most sought after credit cards. Its highlight is that it is one of the lowest interest rate credit cards. Some essential features of the two most popular Pulaski Bank credit cards:

·        Pulaski Bank Visa or Mastercard:

o       This card comes in two sub variants: the gold and the standard version. The only difference is in their annual fees ($35 for standard and $50 for gold) and after sales protection.

o       Both the sub-variants come with one of the lowest APR rate of 6.50% and an interest rate of 7.99%. 

o       No fees are charged on balance transfers and cash advances. Besides, a grace period of 25 days gives customers more flexibility in term of making payments.

o       Another highlight is the 0% APR for the first six months where the interest starts from the first transaction, and not the first month of activation.

o       Pulaski Bank Visa or MasterCard uses the monthly periodic rate, not the daily periodic rate to calculate the balance.

·        Pulaski Bank Visa Gold

o       This card charges no annual fee.

o       It has a slightly higher interest rate of 9.50%.

o       It comes with a 0% introductory APR for 6 months applicable from the first transaction.

o       Offers almost similar features as do the Pulaski Bank Visa or Mastercard.

Screening Process for Pulaski Bank Credit Cards

Pulaski Bank credit cards are not easy to get as they have a very stringent credit check before the cards are issued. The following are necessary to get through the screening process:

·        Applicants must have an excellent credit card.

·        Minimum 6 months duration of employment must be continuing with the current employer.

·        Proof of income should be legitimate and evident in records.

Once the documents and a completely filled application form are submitted, the verification process begins. Verification is usually about:

  • Employment

  • Identity

  • information furnished by the credit agencies

Despite following such stringent credit checks, Pulaski Bank credit cards are highly popular due to their attractive interest rates.

You can find out more about Pulaski Bank Credit Cards at the www.pulaskibank.com/ website. Pulaski Bank Credit Card is a brand owned by Pulaski Bank. Pulaski Bank has changed its name to IMBERIABANK fsb in 2009.


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