Additional information
*Your ANNUAL PERCENTAGE RATE (APR) for balance transfers processed within three months of your account open date, will be zero percent (0%) for the first six billing periods from the posting date of the balance transfer check. When your six billing periods have expired, the regular purchase rate will apply. If at the end of a billing period your minimum payment from any preceding billing period remains due and unpaid, the APR will be billed at eighteen percent (18%) per annum (Monthly Periodic Rate of 1.5%), and will stay at that rate until the account is brought to a current status. In that event, any introductory/special rate on balance transfers will terminate. When the account is brought current, the regular purchase rate will apply.
**If at the end of your billing period your minimum payment from any preceding billing period remains due and unpaid, the ANNUAL PERCENTAGE RATE (APR) will be billed at eighteen percent (18%) per annum (Monthly Periodic Rate of 1.5%) and will stay at that rate until the account is brought to a current status.
Establishment of a credit line will be at the discretion of the Bank, based on the information furnished on your application and supporting documents. This application is the property of Pulaski Bank and Trust Company. No person or organization is authorized to reproduce, distribute, or solicit applications on behalf of Pulaski Bank and Trust Company. We are a bank that is organized under Arkansas law with our headquarters in Arkansas. We will review and analyze your Credit Card Application in Arkansas. If we accept your Application, we will do so in Arkansas, payments on your account will be made to us in Arkansas, and your Account and each use of your Account for Purchase, Cash Advance or Balance Transfer Check will be a loan made in Arkansas. Our agreement with you will be governed by applicable Arkansas and federal law, including the federal law under 12 USC § 1831u(f), as it may be amended, and any laws of other States which are made applicable by said Section 1831u(f).
Pulaski has in the past sold and assigned all or part of its credit card portfolio to one or more financial institutions located in states other than Arkansas. At its sole discretion, Pulaski reserves the right to do so again, and any such sale may include any account Pulaski establishes for Applicant. Pulaski has also denied credit solely on the basis that the applicant previously had an account with Pulaski that was sold and assigned to another institution. In the event your account is sold to another institution, Pulaski reserves the right to deny your application for another credit card on this basis. In the event an account is sold to another institution, the purchaser may elect to offer account terms and conditions which differ from those offered by Pulaski and which may include an Annual Percentage Rate which is substantially higher than the Annual Percentage Rate offered by Pulaski. The purchaser may also offer account holders
the option of rejecting the new terms and conditions, but it is highly proable that rejection of new terms and conditions offered by a purchaser would result in cancellation of the account holder's right to make purchases or obtain cash advances. In the event of such cancellation, Pulaski or the purchaser will refund a pro rata portion of the account holder's Annual Membership Fee. Payment of the Annual Membership Fee does not assure that the terms and conditions of an account will remain unchanged or that the account will continue throughout the annual period covered by the Fee.
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Pulaski Bank Gold Visa
