Pulaski CC

Discussion in 'Credit Talk' started by wondering, Sep 22, 2003.

  1. wondering

    wondering Well-Known Member

    Anyone have one? Good or bad company? The 4.75% fixed rate has me interested.
  2. willgator

    willgator Well-Known Member

    you will get the card pay the annual fee then they will sell your account to first usa or someone else who will jack your rate......

    GEORGE Well-Known Member


    They are VERY STRICT...

    GEORGE Well-Known Member



    Not worth the endless paperowkr and trouble!
    After looking through various websites and magazines I finally decided to apply for Pulaski
    bank's card. I was lured by the low fixed rate. HOWEVER, my on line application was only the
    beginning of a merry go round of useless activities ending an ultimate denial. Now before you
    think this is sour grapes, I have a credit score over 780, earn over $130K per year with my only
    existing credit obligations being my mortgage and an American Express Platinum card (which
    I obviously pay off monthly). The application process was a JOKE! My 'easy' on line
    application was followed by endless requests for pay stubs, W-2's, copy of my driver's license,
    etc. etc. This process went ON & ON! There was never anyone who could tell me what the
    status of the application was. When the denial finally came, no-one could tell me how they
    determined that my debt / income ratio was too high since I HAVE NO OPEN CREDIT CARD
    BALANCES!!!!!! I finally gave up and applied by phone with MBNA for their Platinum Plus card.
    I got a low fixed rate, $25K line of credit and NO HASSLES. I didn't have to send anything!
    Don't waste your time and have a useless inquiry on your credit report from applying to this
    crazy firm.

    Most Attractive Feature: Low rate - if you can get it
    Least Attractive Feature: Paperwork and ridiculous underwriting

    GEORGE Well-Known Member

  6. wondering

    wondering Well-Known Member

    Thanks for the information! Appreciate it. Just trying to find a low fixed rate card (besides AMEX).

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