"Public Savings Bank Secured Black Card"
issued by Public Savings Bank
BASICS
APR (Interest Rate)
11.24%var*
APR Computation Method
Average Daily Balance Including New Purchases
Intro APR
0.00% for 6 months.
Annual Fee
$ 0
Credit Line
$2,000
Grace Period
25 days
FEES
Account Setup Fee
$75.00 (one-time fee)
Other (one-time) Fees
Expedited Card Fee: $75 (optional one-time fee), Credit Limit Increase $25 (One-time fee, per increase)
Late Fee
up to $20
Over-the-limit Fee
$20
Currency Conversion Fee
3% of each transaction in U.S. dollars.
FEES
Customized Terms
* This credit card offers customized terms. Details:
• You will be required to open a non-interest bearing deposit account at
Public Savings which will act as security for your obligations relating to the Card and the Card Account and your other
obligations under this Agreement (the "Pledged Deposit Account"). By applying for a Secured Card, you are pledging,
assigning and granting a security interest in the Pledged Deposit Account and the funds in it from time to time, including
any funds deposited following the effective date of this Agreement, in the Pledged Deposit Account you maintain with us
and designate to secure repayment of your Card.
• New card customers will be allowed a minimum of $300 and a maximum deposit of up to $2,000;
• You can request a credit line increase but the maximum credit line will not exceed $5,000 over the lifetime of the card. The credit limit will be equal to the amount of your security deposit
Travel Rewards
N/A
Cash Rebate
N/A
Gas Rebate
N/A
Shopping Rewards
N/A
Hotel Rewards
N/A
Balance Transfer
N/A
Cash Advance
The APR for cash advances is 18.00% - 18.00%.
Cash advance fee: Either $5 or 3.50% of the amount of each cash advance, whichever is greater
Default APR
N/A
Other Features
N/A
Card Description
• 0% APR on purchases for 6 months
• No annual fee or monthly fees
• Your credit is not a factor!
• We report to all 3 major credit bureaus
Reasonable efforts are made to maintain accurate information. However,
the information on the cards' rates and terms is presented without warranty.
When you click on the "apply online" link you will have an opportunity to
review the credit card terms and conditions on the credit card issuer's web site.
