Pulaski Bank & Trust Co.

Pros: Best Rates in the Country.
Cons: Annual Fee

Happy 4th of July everyone! It's been awhile since I've visited Epinions, and I've missed reading some of my favorite reviewers. It's nice to be back. Anyways, on to the review.

Pulaski Bank and Trust

For those of you (or...

Pros: Customer service, low interest rates
Cons: None

Pulaski Bank & Trust has been one of my best friends over the past few years.

I was a customer with the bank before I actually got one of their bank issued credit cards. When I found out they had a credit card, I went immediately to get...

Pros: Low fixed interest rates, short hold times for calling customer service
Cons: Account shuffled w/o reasonable logic or explanation, disappointing customer service in the end

I've had my Pulaski card for just under two years now. Like a previous reviewer stated, the application process is much more rigorous than others, but I found it worthwhile for the 4.75% fixed interest rate. They are conservative with credit line ...

Pros: Can't think of one. This company's borderline "bait and switch" marketing tactics are deplorable!
Cons: The fact that they advertise a rate of 4.75% but charge over 18%?

I decided to get a Pulaski card to save money on interest rates because lately we've been carrying a balance. They declined my first application due to some mis-communications. After MUCH back-and-forth, they finally issued me a card with a $1000 credit ...

Pros: Low rate!
Cons: Annual fee

My local paper every week gives a listing of highest paying cd's and the lowest interest rates among credit card issuers. I noticed that the Pulaski Bank card always had the lowest interest rate at 8.75%, so I put my application in.

So far...

Pros: Low rates; no hassle
Cons: Annual fee; no Quicken connection

I have had this card for years, never with a regret or problem. Lowest rates in the country when I checked last. It has an annual fee, but far less than the total in additional interest I would pay with other cards.

Of course, it is hard to...

Pros: No pros
Cons: Not happy with the transfer to BOA, especially without my approval

I, too, had my mastercard from Pulaski Bank sold right out from under me and given to BOA (recently mentioned in the "Wall of Shame" of companies the least responsive to their customers!) I had made a payment to Pulaski ON THE DAY of the transfer (unbeknownst to me) and my very substancial payment was considered "trailing" for two weeks. They better not charge me interest for that time.

Pros: Was a good rate and had good customer service
Cons: Sold my account without my permission to Bank of America.

This was a great credit card with a low rate that you could pay online at ezcard.com. Then for whatever reason, my account was sold to Bank of America, and I got a Bank of America VISA in the mail. Unfortunately, Bank of America does not use ezcard, and you can't pay online at their site unless you have a Bank of America bank account. What a scam. I'll be paying this off and cancelling it.

Pros: Were a great bank to do business with.
Cons: Allowed Bank of America to hand pick accounts.

I've had my Pulaski MasterCard for almost two years. I sought this bank's card because they were Consumers Reports magazine's number one rated credit card. I did not encounter any problems with the application process. I had a problem transferring a balance from another card because they did not do wire transfers. I have not any any problems with them or with the card since. I have made large payments online every month. But, now they allowed Bank of America to come in and hand pick card holders that would be sold to Bank of America to reduce their unsecured debt. Normally banks sell a block of accounts and do not allow the purchasing bank to hand pick customers. I am not pleased that they allowed this. I chose to be one of Pulaski's customers, but I did not choose Bank of America and will not be one of their card holders or their customer of any kind! After researching on internet I found that now Pulaski has moved from MasterCard to Visa. Pulaski was not listed as a credit card pick in Consumers Reports this year. Very interesting indeed!

Pros: Excellent rate, no fee
Cons: Privacy infringement

I had done my research and found that the 5.5% rate, no annual fee is just about the best deal you can find on a credit card (there are two Pulaski cards out there, by the way, one has a fee, the other doesn't but has a 1% higher rate). I have excellent credit and decided to apply right over their website. I did find the application process more extensive than usual, after you've completed the application, they tell you, that, by the way, we need you to fax us your tax returns for the past three years including all schedules (profit and loss if you are self-employed, etc.) - usually not a requirement for any other card. Although it may be warranted, I found this excessive infringement on my privacy unnecessary. For me personally, I would rather forgo an extra percent to avoid disclosing my personal business for some credit card. Not worth it to me, I got a 7.99% Chase card, not bad. And by the way, I think the Pulaski card just went up to 7.99 too.