Small bank. No track record of baiting and switching. No Annual Fee coupled with a super low APR of 9.99%

Big fees for over the limit and late payment charges. Cash advance is high also at 19.99%. The cash advance fee is 3% or $10-75.

Malvern issues through Elan Financial Services and was first reveiwed by CreditCard.org Jan 2006. More information is available at "www. Malvern Federal.com"