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Credit Card Reviews » Gold Visa® |
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In-Depth Credit Card Review: |
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The Pulaski Bank Gold Visa® Card, issued by Pulaski Bank, is designed for those with good credit who are looking for a very low cost credit card.
The best feature of this credit card is the reasonably low fixed interest rate offered at 8% for all transactions; it offers a very low cost option to those who plan to carry a revolving balance. It is important to note that the rate for purchases and cash advances is the same, which is a rare benefit, considering that the APR for cash advances is usually significantly higher.
There is also a very attractive 0% introductory rate for six months on balance transfers submitted within the first three months. In addition, there is no annual fee for the card.
Aside from the reasonably low interest rate, cardholders can expect common gold benefits such as travel and emergency assistance services, as well as various purchase and protection services. However, members should not expect any extraordinary benefits or services offered by the card.
Those who plan to carry a balance (due to the low interest rate offered) and do not want to pay an annual fee will benefit most from what the Pulaski Bank Gold Visa® Card has to offer.
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| (Review Updated: January 28, 2008) |
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0% Intro APR on Balance Transfers for 6 Months
8% Regular Fixed APR for Purchases
8% Regular Fixed APR for Cash Advances |
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25 days Grace Period |
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| (* The introductory rate is available on balance transfers submitted during the first three months.) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 through $1,000; $35 on balances over $1,000 |
| Over-The-Limit Fee: $35 |
| Cash Advance Fee: None |
| Balance Transfer Fee: None |
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| Minimum Credit Limit: see terms* |
| Maximum Credit Limit: see terms* |
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| Type of Reward: None |
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| Additional Features for Gold Visa®: |
Various Internet account related services.
Auto rental insurance.
Various travel and emergency assistance services.
Emergency cash replacement.
Emergency card replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
See website for additional benefits. |
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| Important Notes for Gold Visa®: |
| See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Gold Visa® was updated on January 28, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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