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Home > > IberiaBank Visa Gold Cash Back Rewards Card

IberiaBank Visa Gold Cash Back Rewards Card

Low rate
No annual fee
1.99% balance transfers

Annual Percentage Rate for Purchases.
A variable APR will apply to balances attributable to purchases:
9.75%, 13.25%, or 16.25% as of 6/1/09, depending on your creditworthiness.

Annual Percentage Rate for Balance Transfers
1.99% APR for 6 billing periods from the posting date of the balance transfer check, after that 9.75%, 13.25%, or 16.25% as of 6/1/09 based on your creditworthiness. *

Other APRs
A variable APR will apply to balances attributable to cash advances and convenience checks:
13.75%, 17.25%, or 20.25% as of 6/1/09, depending on your creditworthiness.
Default APR: 22% on all balances**.

Variable Rate Information
Your APRs may vary. The rates are determined monthly by adding the Index (described below) and the following spreads:
6.50%, 10.00%, or 13.00% per annum, depending on your credit worthiness, for the APR for credit card purchases.
10.50%, 14.00%, or 17.00% per annum, depending on your credit worthiness, for the APR for cash advances and convenience checks.
The Index for each billing cycle is the highest ( U.S. ) “Prime Rate” published in the Money Rates table of The Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends. If the index has changed, the new variable rates will take effect as of the first day of the billing cycle.

Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.

Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:

Minimum Finance Charge:

Transaction Fee for Purchases:

Transaction Fee for cash advances:
All cash advances (excluding balance transfers)
5% of the amount of the advance, but not less than $5.00, no more than $100.00.

Transaction Fee for balance Transfers:
2% of the transfer amount

Other Fees:
Late Payment Fee:
$15.00 for balances less than $100.00
$29.00 for balances of $100.00 to $1000.00
$35.00 for balances greater than $1000.00
Over-the-Credit-Limit Fee: $35.00
Insufficient Check Fee: $35.00
Foreign Transaction Fee: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.

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Wisdom is needed when making choices in life… especially when making financial choices!

There are so many financial decisions to be made. And when you’re looking at loans, it’s sometimes difficult to know which loan is the right one. There are so many types of loans out there that it feels like you’re looking for a needle in a haystack… of needles! Which one is the right one? Who knows? But be careful, because you could be pricked along the way.

You cannot just go select the first loan that comes your way. There are three things you should look for when selecting the right UK secured loan to add to your financial portfolio.

The first thing you should look for is the amount of money you need. By shopping around, you may be surprised at how much money is available from lenders to people like you who are looking to add some muscle to their money. You should look at your budget as well as the amount of money you need to help you determine how much of a loan you should get.

The next thing you’ll want to look at is the repayment frequency. Is the loan supposed to be paid back every week? Every two weeks? Every month? For some people, the best option is to match the loan repayment with their payday schedule so that they can be assured that there will be money in the bank when it’s time to pay the loan down. One option some people are choosing is to set up a monthly repayment schedule but put more money down (perhaps once a week) which will get applied directly to the principal! Often, the repayment frequency will determine the amount due with each payment, so that may be a factor in helping you decide the repayment frequency. Perhaps a large, monthly payment is more difficult to make than several smaller payments in a month. You’ll have to decide the best option for you.

The last thing you need to consider is the interest rate. Many people simply ignore this completely because they feel that they have little control over prevailing rates at the time of the loan. However, with a little work and wisdom, you can manage your interest rates quite well. For example, some of the things you can manage when it comes to interest rates include the risk level of the recipient, the amount of money borrowed, and the period of time in which the money is expected to be paid back. Prevailing interest rates will determine the window of interest rate available. It’s up to you to find the best rate for you.

Now that you know the three things you need to look for, it’s time to go out and find the right UK secured loan for you. Be sure to shop around and you choose wisely from the selection you find.

Student loan consolidation is a an easier repayment management option to combine all of the student loans you received to finance your college education into one loan with low interest and one repayment per month.

Do you have several loans with different repayment terms and interest rates? You probably do because normally when a student applies for loans to cover college fees, you get loans that have varying terms and interests. With a consolidated student loan, you are able to merge all your student loans into one easy to manage loan with lower interest rates. One single loan is easy to manage and you also save money and pay quicker with the lower interest rate.

The 4 key benefits from consolidating your loan are outlined as follows:

1. With student loan consolidation, you cut on monthly payments, thus saving on money in the long term.

2. Consolidating your student loan and hence extending the duration of your loan past the 10-year period standard for a federal student loan, you are in a position to significantly reduce your monthly repayments. It is noteworthy that in the long term, you will be paying more or extra interest since you will be paying for a longer period of time.

3. A consolidated student loan can also enable you to save some money in the long term because you can lock in a low interest. You can further make some savings by then not prolonging your period of repayment.

4. With a consolidated student loan you have an option to pay beyond the required or the prerequisite amount and you do not incur any penalties by doing so.

What are the main 5 characteristics of a student consolidated loan?

1. Simple, easy to manage one loan payment per month. This is a convenient and efficient way of repaying your student loan, thought one loan repayment.

2. Lower payments every month, thus enabling you make some saving and leave you with more money to spend on other things.

3. Fixed interest rates, which effectively work out to be cost effective for you in the long term. It is important that you do a thorough research on online to find the best interest rate and repayment terms that are suitable to you.

4. One can have in school consolidation arrangements so that while still attending school, students who are qualified can be able to lock in a low interest rate, thus enabling them to go into repayment status. However, since you are currently in school, your repayment will be automatically deferred. What is the disadvantage of this? You lose your six month grace period is lost, but you can appeal for forbearance for a term up to 1 year.

5.You have an option to extend your payment period up to thirty years. However, its important for you to bear in mind that with this extended repayment period, you will be paying more for the additional interest over the extended duration of the loan.

Do you have several student loans? You can enjoy all the benefits associated with a consolidated student loan as outlined above. A consolidated loan is convenient, easy to manage and has lower interest rates.

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