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