Capital One Platinum Review Summary

The Capital One Platinum Credit Card is one of the best starter credit cards on the market. Capital One Platinum is a great credit card for people who are new to credit because it has a $0 annual fee and reports to the major credit bureaus each month. Responsible use of the Capital One Platinum Card could therefore take you from no credit to good credit at no cost.

American Express Platinum Card Review Summary

The Platinum Card® from American Express is a good card for people with a good credit score who will use the card enough to justify paying its $695 annual fee. In particular, American Express Platinum card is worth it for frequent travelers who take advantage of the bonus rewards and benefits such as free airport-lounge access.

EDITOR’S RATING

1.8 / 5

PROS

• Low min. income requirement: $1,000/month
• No origination fees
• No prepayment fees
• Funding within 2 business days

CONS

• Extremely expensive APRs
• Small loan amounts: $500 - $3,000
• Only available in 26 states
• Minimum credit score not disclosed
• $30 returned payment fee
• Subpar reputation

Plain Green Loan Review Summary

Plain Green loans are extremely expensive short-term loans offered by the Chippewa Cree Tribe, a sovereign nation within the U.S. Their interest rates range from 210% to 428%, and the loans must be paid back within 10 to 26 months. Although they don’t charge fees aside from a returned payment fee, they remain very costly.

You can get car insurance online, over the phone, or in person with an insurance agent. The best way to shop for car insurance is to compare quotes from different insurance companies online so that you can quickly find the lowest price for the coverage you need.

How to Get Car Insurance

1. Gather driver and vehicle information
2. Decide between buying insurance directly or through a third party
3. Familiarize yourself with your state’s car insurance laws
4. Consider supplemental coverage options
5. Compare prices
6. Look for discounts
7. Pick a premium and deductible you’re comfortable with
8. Pay for your policy

Getting car insurance can be overwhelming if you don’t know how to buy it or how much to get. But if you take your time and follow these steps, the process will be much easier. Below, we’ll explain how to go about accomplishing each step.

Capital One currently does not offer personal loans although personal loans used to be one of their products. Capital One has removed all information about personal loans from their website, but existing customers can still call 1-800-926-1000 to reach Capital One’s personal loan customer service department.

Although you can’t get a personal loan from Capital One, you’re certainly not out of options. Tons of other lenders offer personal loans. They fall into three main categories: banks, credit unions and online lenders. Each has its own advantages and disadvantages, so WalletHub compared over a dozen of the top options on the market to find the best deals.

Mechanical breakdown insurance covers the failure of major systems in your car, like your engine and transmission, which are not covered by standard car insurance policies. Mechanical breakdown insurance (MBI) is similar to an extended warranty from a car manufacturer, but MBI provides coverage for more systems.

Note: some policies also cover steering, air conditioning, and the car’s fuel system.

Comparing car insurance rates can save drivers hundreds of dollars per year, since every auto insurance company calculates premiums differently. As a general rule, you should compare car insurance quotes every time you renew your policy to make sure that you’re still getting the best deal.

What Is A Totaled Car?

A car is considered totaled when the cost to repair the car is greater than the car’s value or the car cannot be repaired at all. For example, if a car is worth $10,000 and the repairs would cost $11,000, the insurance company would declare the car totaled because the repairs cost more than the vehicle's value. The insurer may then reimburse the vehicle’s “actual cash value,” which is what the car was worth prior to being damaged.

Key Things to Know About Totaled Cars

• Insurance adjusters are the ones who determine whether a car is totaled.
• Totaled cars can be covered by comprehensive, collision, or property damage liability insurance, depending on the situation.
• If your totaled car is on lease or loan balance, your insurer will first reimburse your lender or leaseholder.
• You may have the option to keep a totaled car, but it’s likely not worth it.

The best ways to get cheap car insurance are to comparison-shop for quotes every 6-12 months, take advantage of all available discounts, and drop any unnecessary coverage types. Discounts can save customers up to 35%, for example, and insurers claim that drivers can save up to 20% by switching to a cheaper company.

1. Compare quotes every 6-12 months.

To make sure you’re still getting the best deal, you should shop around for quotes every time you need to renew your policy. This is especially important if you recently received a ticket or were in an accident, or if you’ve been with the same insurer for a while. For instance, the cheapest car insurance company when you were a teenager might not be the cheapest option for you 10 years later.

Marriott Credit Card Review Summary

The Marriott Bonvoy Boundless™ Credit Card is the best-value Marriott credit card for frequent travelers. It offers more net rewards value over the first two years, after accounting for annual fees, than the other Marriott rewards cards for personal use, according to WalletHub’s calculations. The average person could earn over $3,600 in Marriott reservations in just two years if they made Marriott Bonvoy Boundless their everyday credit card.