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Overall, I've been satisfied with my Capital One credit card. The rates are fair and reasonable, and I was even able to get 0% APR for the first 12 months. Typically, I don't sign up for credit card offers that come in the mail; however, the benefits were formidable. Late payment forgiveness (to some extent) is offered, which takes some of the pressure off when making difficult payments. My main complaint with the Capital One credit card I received is the application process. Upon receiving the offer in the mail, I contacted Capital One for more information, and was forced to sit on hold for quite some time. When I finally did get in touch with someone, they merely reflected the very same information I had on mailing. Word for word. Also, after submitting my application for the card, I waited over a month for confirmation. For that reason, I'm only assigning a four star rating.
I started a checking account with Wells Fargo because I have several friends/family who absolutely swear by them. This review isn't meant to discourage anyone from using this bank; rather, it's to stress that you read all provided documentation completely and thoroughly. I signed up for a checking account with the promise that the only fee I'd incur would be the initial starting fee. Maintaining the account would be of no extra charge. I asked if this could change in the future, and the gentlemen who was servicing me insisted it wouldn't. Figuring his answer was good enough, I admittedly neglected to go over every detail of the fine print that was handed to me. Several months later, I was surprised to receive a charge for merely having an account with the bank. The charge wasn't astronomical, but I was annoyed considering the information I was given. I returned to the bank to question the charge, and was told that the paperwork I was given stated that charges could basically be assigned at random. This turned out to be true, but it didn't erase the fact that I was told by a representative of theirs that this wouldn't be the case. Ultimately, it's my fault for not looking at the writing more closely, and getting the reps words in writing. Even so, the bank could have more clear and forward with me regarding policy.
At my place of employment, employees are granted health insurance benefits that run through Capital Blue Cross. I honestly can't comment on the rates you should expect if you don't get this health insurance through your work; however, I am certainly able to comment on the quality and service of Capital Blue Cross. Over the last few years, I've experienced one situation where I had to make use of my health insurance through the company. The dealings were quick, simple, and appropriate. The company covered the entire cost of my medical bill despite the fact that my coverage was slightly less than the bill I was charged by the hospital. The difference wasn't much, but it's still something the company wasn't legally required to do for me. Little things like that set the good companies apart from the average or poor ones. The only reason I'm not giving Capital Blue Cross a five star review is because I struggled more than I felt I should have to simply get in touch with a representative. I was constantly transferred from person to person over the phone until I was able to speak with someone. This is a minor complaint compared to the big picture, but it's worth noting. At the end of the day, I recommend doing business with this company.
I've been getting car insurance through Erie Insurance for nearly ten years now, and I couldn't be happier or more satisfied with their service, professionalism, and charges. When I bought my first car, a representative from the company sat down with me personally, and described in full what being a customer of Erie would mean for me. He left absolutely no detail to my interpretation, and I left knowing exactly how much I was paying, when I was to pay it, and why I was paying it. My monthly rate is competitive and affordable compared to other quotes I received prior to choosing Erie. They reward drivers who stay accident free by reducing monthly charges after a certain amount of time. This has proven especially helpful, and has saved me a considerable amount of money in the long run. Unfortunately, I did suffer an accident several months ago--one that was completely my fault. Erie worked closely with me to resolve the issues that arose, and I found that my monthly rates weren't affected as a result of the accident. If you're looking for a car insurance provider, I strongly suggest looking into Erie Insurance.
I honestly can't speak for the service other customers of Metrobank have received, but I was treated very poorly by a bank that was offering me a line of credit at an absurd rate. I was looking to establish credit by signing up for a credit card which I'd use to make monthly, small purchases. I didn't need a large balance. When I contacted Metrobank looking for such a source of credit, I was ensured that my needs could be easily met. They stressed the fact that I wouldn't have to pay anything up front for the card, which obviously appealed to me. Unfortunately, they weren't forward with me regarding the interest rates. They were astronomical. When I returned to cancel the card with the bank, I was treated rudely. The manager insisted that I was given all the necessary information to begin with, going as far as to tell me that my lack of satisfaction is entirely my fault. Regardless of who's to blame, as a customer and client, I didn't appreciate being treated that way. I think he was offended somehow that I no longer wished to use a service of theirs. Again, I'm not trying to slander Metrobank, but make sure you get all the information you need when doing business with them. You can't count on them to provide it to you.
I recently opened a new checking account at Citizens Bank. The bank I was using prior was riddled with inefficient practices and poor customer service. Fortunately, I'm pleased to say that Citizens Bank is the complete opposite. At first, I was concerned as I completed the application process. It was overly confusing, making me wonder how legitimate the bank was. However, when I took my questions and concerns up with the bank, they were all quickly and pleasantly taken care of. The level of respect one is treated with at Citizens Bank is astounding. Any and all difficulty I had with the application process was immediately offset by the helpfulness and kindness of the staff. As far as bank operations go, they were clear on their policies, and have been nothing short of efficient and fair with me since my business there started. I highly recommend at least considering using this bank if you find yourself looking for a change.