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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Pulaski Bank Visa/MasterCard | |||||
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Issuer:Pulaski Bank Credit requirement:Good credit required. Low ratew No annual fee 0% balance transfers No fee balance transfers Don't be left out in the cold with your current credit card Annual Percentage Rate for Purchases and Cash Advances: 7.99% Annual Percentage Rate for Balance Transfers: 0% APR for 6 billing periods from the posting date of the balance transfer check * 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: NONE Minimum Finance Charge: $1.00 Transaction Fee for Purchases: NONE Transaction Fee for Balance Transfers: NONE Transaction Fee for Cash Advances Advances and Other Fees: Cash Advance Fee: None Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000 Over-the-Credit-Limit Fee: $29.00 Insufficient Check Fee: $29.00 Apply for Pulaski Bank Visa MasterCard |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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