How to Apply for the Pulaski Bank Secured Visa Card


Are you looking for a credit card, but need to build or rebuild your credit score? The Pulaski Bank Secured Visa Card may be an option that interests you. By making a security deposit, you will ensure a credit limit of the same amount. The deposit amount, and in turn, the credit limit can range from $300 to $5000. Another consideration is the fact that there is a $35 annual fee and a fixed APR of 21.24%, an interest rate well above average (APR is subject to change). Due to the APR, annual fee, and necessity of a security deposit, we would recommend trying to apply for cheaper, lower interest options if you can, and only apply for this card if you don’t have other options. Below, we have provided a guide on how to complete an application for the Pulaski Bank Secured Visa Card online.

Elan Financial Services (EFS) issues these cards for the Pulaski Bank, please look at the EFS privacy policy to get an idea of how they protect your information online.

Requirements

Applicants must meet the following requirements:

  • You must be 18 years of age
  • You must be a US citizen
  • You must have a SSN
  • You must make a security deposit of at least $300

How to Apply

Step 1- Get started by going to the Pulaski Bank credit card page hosted by EFS, navigating to Secured Visa Card and clicking Apply Now.

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Step 2- To successfully acquire a Pulaski Bank Secured Visa Card, you will need to select one of the following options to make your security deposit. Select Get Started beneath either Apply Online to make your deposit using online banking, or beneath Print and Mail to send a cashiers check or money order.

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Step 3- Now you’ll need to fill in the application form, starting with the following Personal Information:

  • First name
  • Last name
  • Date of birth
  • SSN
  • Country of citizenship
  • Country of permanent residence
  • Primary phone number
  • Mobile phone number
  • Email address

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Step 4- 

  • Street address
  • City
  • State
  • ZIP code
  • Time at address
  • Housing status
  • Monthly payment
  • Alternate mailing address (if applicable)

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Step 5- At this point in the application, you will need to provide the following Income and Employment Information:

  • Employment status
  • Employer
  • Occupation
  • Annual income
  • Other income

Once these fields are complete, indicate any Pulaski Bank accounts that you already have by selecting Yes.

pul-secured4 Step 6- In this next step, first indicate Yes or No whether or not you require a Joint Applicant, and then provide your Funding Account Type, Account Number, Routing Number, and Funding Amount, if you will be paying your security deposit online.

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Step 7- At this juncture, enter your SSN/Individual Tax I.D. #, then certify this information by ticking the little box below.

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Step 8- To submit your application, you will first need to read and agree to the Terms and Conditions for the Pulaski Bank Secured Visa Card. Once this is done, click Submit.

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The application process is now complete. We hope that this tutorial has been in some way helpful to you and that your application will be approved. Best of luck!

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