Public Savings Bank - Business Credit Card
(Which Way To Pay - 17/5/2011)
This Public Savings Bank Credit Card is a great way of securing a positive credit history for people who donít have one at all, or for those who have had credit problems in the past and want to change that. When you acquire the card and make payments they will report you to 3 major credit bureaus so that you can begin to build a credit history. In order to get the card a credit check will not need to be carried out and no checking account is required. Although there is no introductory offers made to you on APR, the rate will be 6.5% variable and you will not need to pay any monthly or upfront fees other than the annual fee of $50. With the card you will get lifetime credit lines of up to $5,000 and over time you will build a positive credit history.
There are a few disadvantages to the card, including the APR, which after the first 6 months will be at 9.75%. This APR will of course vary depending on the market and the Prime Rate; however it will not exceed 18%. It is worth being aware that for cash advances you will either have the fee of $5 or 3.50% of the amount of each cash advance, depending on which is greater, and the Foreign Transaction is at 2% of each transaction in US dollars. Please also be aware that there is a minimal monthly payment attached to the card of $10 or 2% of the total of the balance on the card, whichever is greater.
Public Savings Bank is ranked 3 out of 5. Based on 1 review.

3 Star Rating
1 Star: 1 Star RatingPoor
In relation to other products, has performed badly and has little or no worthwhile benefits.
2 Stars: 2 Star RatingBelow Average
Has some features of value, but in comparison to others performs below standard.
3 Stars: 3 Star RatingAverage
A fair product with regards to its competitors - has no outstanding features or benefits.
4 Stars: 4 Star RatingGood
In comparison to other products performs above standard, has beneficial features.
5 Stars: 5 Star RatingExcellent
Performs well above standard in comparison, has exceptional features and benefits.

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