This card is not for everyone. In fact, only 1% of all American residents are eligible to carry The Visa® Black Card. The card is not available to non-residents nor to business entities.

This credit card carries the ultimate in rewards, gifts, and 24-hour concierge service. Even the card itself is exclusive – it’s made with carbon and the patent is now pending. When you hand this card to a reservations clerk, they’ll know you’re someone special.

The annual fee of $495 entitles you to the first 6 months interest-free, and a low 13.24% variable rate thereafter. It also entitles you to 1% cash back or points on your eligible purchases. Points c Read full article…

Are you looking for a secured card with no APR on purchases for the first 6 months, and a relatively low APR thereafter? Then the Public Savings Bank Secured Black Card might be the one for you.

After your introductory period, the interest rate will be a low 7.99% plus Prime – and you’ll have 25 days grace period after your statement arrives in which to pay the balance and avoid interest altogether.

Interest on cash advances, however, will be charged at 10.99% during the first 6 months, and from 19.99% to 23.99% thereafter.

Should you Make a late payment; Exceed your credit limit, make a payment that is returned, or do any of these things on another account with Public Savings Bank, your interest will go to 23.99% for an indefinite period of time.

Your monthly payment will be 2% of your balance or $10 – whichever is greater.

You’ll have a one-time set up fee of $79, and NO annual fee. When yo Read full article…