| Pulaski Bank Visa/MasterCard |
Annual Percentage Rate for Purchases and Cash Advances: 6.50%
Annual Percentage Rate for Balance Transfers: 0% APR for 6 billing periods from the posting date of the balance transfer check *
Other APRs: Default APR: 18% on all balances **
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: $35.00 for VISA Classic and Standard MasterCard Account $50.00 for Gold MasterCard Account
Minimum Finance Charge: $1.00
Transaction Fee for Purchases: NONE
Transaction Fee for Balance Transfers: NONE
Transaction Fee for Cash Advances: Cash Advance Fee: None
Advances and Other Fees:
Late Payment Fee: $29.00
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
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TrCredit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card.
The main benefit of balance transfer is a money-saving one. In the competitive credit card market an increasing number of companies are offering a 0% interest rate for a fixed period on balance transfers made by new customers. This allows new cardholders to make considerable savings in interest repayments. Interest free periods vary and certain credit card issuers extend the 0% interest rate offer to cover new purchases, it is worth taking great care to compare balance transfer offers well before deciding which one to choose.
Some companies offer lower than average interest rates on transferred balances for the life of the balance transfer. This may be good news for card users who are not planning to pay back credit card debt in the short term.
Transferring credit card balances is usually a simple process. Once a card application is approved it usually involves a phone call to the new card issuer to transfer the balance(s) from the other card(s). Many credit card companies also offer an on-line service, making it even easier to transfer balances via the Internet.
There is usually a ‘window’ of time after a new card is approved during which balance transfers attracting the promotional interest rate must be made.
A word of caution regarding balance transfers. Minimum monthly payments still need to be made. Fall behind with minimum payments and fines can be made and interest free offers withdrawn. The same can happen if credit limits are exceeded.
Kreditkarten kostenlose
In a market full of balance transfer deals, offers vary greatly. It is important to double-check the details carefully before signing on the dotted line. For example:
Are there any additional fees to be paid when balances are transferred? Do I need to make a minimum monthly spend using the new card to qualify for the promotional balance transfer rate? How soon after my credit card is approved do I need to make the balance transfer? What interest rate is charged on new purchases made using the card? In particular, 'Balance transfer for life' cards often put payments towards clearing the low interest balance transfer and not the recent purchases that attract higher interest Do I get charged interest on new purchases from the time the purchase is made? What does the interest rate revert to after the promotional period has finished Before taking up a balance transfer offer, also take time to consider the amount you need to move and how much you intend to pay off and purchase each month. That way you can be sure that you choose the right card for you.
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