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I have been a customer with Allstate for more than eight years. I decided to leave my last insurance company when it raised its premium for no reason. I was very fortunate to get an excellent rate with Allstate and continue to do so. I have very basic insurance on my vehicle, but that is really all I need. The only issue I have with this company is that my policy keeps changing hands. I have gone through five or six insurance agents in the past five years alone. Fortunately, I have not been in an accident in quite some time and I'm not sure who to call locally if I did.
I have had an account with Capital One for almost two decades. This is a trusted name in the banking industry and I have mostly had only good things to say about them. I will say that they have not always been clear about interest rate hikes, but that has changed in the past few years with better regulation. Capital One has been fair, giving me credit when I needed it. You can expect a lot of fees if you miss a payment or are late with a payment, but it also encourages you to make sure you pay on time. Also, they have a pretty good rewards program that I have used once or twice.
I have has this Chase card for more than four years and have to say that I have been pleased with my experience. One of the top features of this card is the ability to change your payment date. My Chase bill used to come about two weeks before my other bills and it was a hassle to always remember to pay that bill at a separate time for the others. I really prefer to sit down and pay all of my monthly expenses at one time. So, I called customer service and they were very happy to help me by moving the payment date back to the end of the month. In fact, the date was changed the very next pay cycle. This has made life much easier for me. When the bill was due earlier in the month, I was late with one payment, and they charged me a large fee, but it was my fault for missing the payment, and they were gracious enough to change the pay date without any penalty or extra expense.
I have been a member of the N.C. State Employees Credit Union for more than 15 years and I'm not sure I could ever do a business with a bank again. Whenever I hear people complain about how much their bank charges for this or that and how much trouble they have with their bank, I just smile because I know that I will never have to worry about any of those problems with NCSECU. the only disadvantage NCSECU is that it has no banking hours on the weekend when it is more convenient. However, it is open until 5:30 every day, I just have to either go there on my lunch hour or as soon as I get off work. This credit union has helped me out of a number of binds. It has a number of customer-friendly aspects that gives me peace of mind. I know that I will have to change banks if I ever leave the area, but I can only hope I find one as reliable as the State Employees' Credit Union.
I have been a customer with Bank of America for a good while now, ever since it merged with MBNA a few years ago. On the whole, BoA is fairly typical of banks of its size: there's going to be a lot of fees and a lot of red tape to get things accomplished such as a car loan or home loan. If you have decent credit, they do have good low-interest checking options, but there are always stipulations and restrictions. Because of its size, it somewhat reliable, and have helped me get my problems fixed quickly without a lot of hassle. Overall, BoA is good, not great.