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I love Nationwide!! I was matched with an insurance agent in my area (Kennesaw, GA) and he is wonderful. I started by filling out my application online, but my agent found 2 additional discounts to put with my policy to lower the cost by over 10 dollars a month. I had an issue with the insurance policy actually being uploaded into the system, but a simple phone call fixed that nearly immediately. Despite the initial issue of the state of GA not thinking I was on insurance, Nationwide really worked hard to not only get my business, but to correct their mistake and that's something that I really do value in a company. Additionally, I didn't think that anything I was doing (setting up an application, asking for a quote) was confusing at all and it was all very clear-cut!
Like a lot of other reviewers here, I got suckered into the opening offer deal. I got 150 dollars for opening up a Chase checking account. I had to maintain a minimum balance for 6 months of at least 1,500 and if I went below it then they would have charged me $12.00 a month! I think that people might get angry with chase because of their high rates/charges, but I never had an issue with them, simply because I listened to their rules and obeyed them. It was all really painless and I'm glad I banked with them because they do have a nice customer service team (I only had to call them once for just basic questions) and they really are trying to cater to us (even if the fees seem a bit underhanded.) I highly recommend Chase!
HOLY COW this is the best credit card available right now! They offer simply the BEST rewards for their customers. Chase Sapphire Preferred Card offers a huge incentive bonus to join- the equivalent of 500 dollars in travel is just wonderful and no foreign transaction fees? Simply divine. The only thing that I raise my eyebrows to is the 95 dollar annual fee. That hurts. I suppose it might be worth it, but that really cuts into your savings when you have to spend 95 dollars to continue using it. This card reminds me of the Capital One credit card during their Double Miles Challenge. They doubled all the points from the previous year, and that would probably equal out to what the Sapphire card gives you in just a few months. Anyway, I think this card is great and I see what Gary Shaffer says about the negative aspects of the card, but if you have excellent credit then I don't think that you'll be using the features that have additional fees like the cash advance or balance transfers. Hope you enjoy this card!
Whoa, I want this credit card! The Blue Sky from American Express looks AMAZING. I love the initial bonus points (bummer that you have to spend 1,000 but doing that in three months should be all that difficult). It's like they just give you a 100 dollar statement credit on travel right away, which is nothing that any person would turn down. Again, they have the 1 to 1 ratio on points to the dollar, which is a little disappointing based on the rest of the card, but it is still good. The only other card that was/is like this is the Capital One credit card that offered a ton of miles (the double miles challenge) but it was just a temporary thing...the Blue Sky from American Express looks to be a bit more permanent. Loving the fact that there's no annual fee either. Great card and it'll probably end up being a staple in your wallet, too.
I've never heard of a Menards until I visited the midwest, but the Menards Store Card does seem really good for the homeowner who has a lot on their plate for fixing or making things around the house or yard. The initial bonus is basically a 10% return for you (10 $ back after you spend 100 $) and although the ratio of potential cash-back to money spent isn't all that high, it is on par with what's offered from other credit cards today. Also, Menards Store Card doesn't have an annual fee, which is really nice! I have a credit card that offers me cash-back but when it comes time for that annual fee, I feel like I've lost all my savings from the year. Keep in mind that the APR isn't listed on the Menards Store Card so it'll probably be based on your credit score.
Woohooo this is a pretty nice credit card!! The BankAmericard Power Rewards Visa Signature Card offers a LOT of variety in terms of rewards and that is NICE to see! I see rewards for simply spending money (which we all do) and then I see rewards for gas/grocery aaaand drugstore, which is great. I like that they initially offer 3 points for a time before they drop to the typical 1 point. Who wouldn't want money back for spending 500 dollars and I haven't seen the rewards offered, but I hope they are pretty good. I have a discover card that I've had for years, but it doesn't give me rewards like this (I get a 1 to 1 ratio for everything and that's just boring) Be careful about the cash advance, but even the APR is pretty dang good!
I agree with what a lot of the other reviewers are saying about the Radio Shack Store Card. If you love Radio Shack and go there a lot for your needs, then yes!- this is the card for you, most likely. But if you're a lover of all things Amazon, ebay, and Wal-Mart...then maybe you should look elsewhere. The APR is pretty high so I hope you don't carry a balance. Honestly, it seems a lot like the Target Credit card with the initial 10% off and then the periodic rewards. I had the Target credit card for a bit, but I just didn't think the rewards were worth it, but I hope it's not the case with this card!
I think everyone is being really generous with their reviews of this Wells Fargo Rewards Credit card. The foreign transaction fee is 3%, there's a sky high cash-advance fee, and the APR is really nothing to squeal about. I agree- it's a good card to use as a beginner, but it doesn't really offer anything exciting for someone with better credit. There's no miles, and it seems like a very closed reward system with a simple 1:1 ratio UNLESS you pay more via their online shopping center. I've had better cards (0 charge when I withdraw from other ATMs, 0 charge when I withdraw in a foreign country, and MUCH better programs), but this is okay if you want to build credit and get a little something back eventually.
I think it's really common nowadays for stores to offer their own credit card and I really love/hate it. It's great to get the additional discount but I think I purchase a bit too much! This card isn't the best in the world, the discount in a bit too little (only 5%!) but it's nice that it can also be used with the pharmacy...I didn't even know that I got a 30 day extension on returns, but that definitely sweetens the pot! Be careful- the APR is SUPER high so don't get a late fee and make sure you pay it off every month! If you're responsible then this can be seen as a nice little "coupon" when you shop instead of a heavy weight in your wallet!
I never thought that I would get this credit card, but Kroger is my grocery store and they offered a LOT of incentives when I applied for this Kroger 123 card. I got a gift card (to Kroger, of course!) cashback on gas (I think about.10 cents per gallon was taken off my total) and I got a lot of free offer coupons on NICE things like vegetables, fruit (!) and tons of little staple items that belong in your pantry. I continue to get great coupons and I get.10 cents off gas probably about 1 or 2 times a month and overall, I'm pretty happy with it. I use other credit cards (wisely) for clothing, travel, and other things, but this is a good card for my groceries, especially considering that I shop there and only at Kroger for food! I recommend this card not as an all in one kind of card, but a speciality card that works very well for specifically food.
Hi! I'm here to highly recommend 21st Century Insurance. I got back from studying abroad and 21st Century offered me a really low rate on my car insurance (much better than I could find elsewhere) without skimping on the customer service, the deductibles, or the roadside assistance. When I talked to a lovely customer service representative she was really engaging and inquisitive as to where I had traveled, which made me feel like a really valuable customer! Highly recommend! When I eventually had to cancel (not because of them) they were really nice, very helpful, not annoyed or frustrated AT ALL, and they sent me the rest of my 6 month policy via check in about a week! I know other companies take weeks to mail that refund but they really made me want to stay. I'm happy with their service and I hope you are too!
THIS IS THE BEST CREDIT CARD THAT I HAVE HAD TO DATE! Seriously, it's wonderful. I got this card when they were doing the "Double Miles Promotion" so I got double miles on everything (and I got a starting miles amount, too!) that I did PLUS miles on the highest credit card total from my previous year from another card! How amazing is that when a credit card company tells you "tell me your total balance that you put on another credit card so I can give you miles on your current card with me?" I love this card and the rewards are mainly for travel, so it works perfectly with my lifestyle. I highly recommend this card and it's especially nice because I didn't have to have a minimum balance on my card in order to get the rewards simply applying and getting accepted with enough to get all these benefits! Hope my comments help you with choosing the right card. good luck!
I recently realized that my online savings account wasn't getting as much interest as an account at a local credit union, so I went hunting around and found this amazing credit union! My grandmother and grandfather were both in the Navy, so I was able to open a savings account, thankfully. I pulled all my savings into this credit union and I'm really happy and secure. I've only had my money in there for a few weeks, but I love all the options that I have with my money, and the great return that I'll see from it via CDs or just the typical savings account. Everyone is really nice and friendly and it's so wonderful to not worry about fees or processing days like I had to with my online savings account. Now I can just drive to my money instead of it all being online!
Wow! I'm so surprised that there isn't a review for Delta Community Credit Union! The reason why I found them was because I was looking into CDs one day via the typical big name banks like Wells Fargo or BB&T and their CD rates were really dismal. I know we're going through some tough economic times, but I've never seen CD rates so low! So I went shopping around the internet for credit unions and looked up Delta's CD rates. Now Delta Community Credit Union has rates that are still bad, but they are SO much better than where I was at before! I drove over and easily placed my money in a CD (24 month) with an APY of .5 (I know, so sad, but other places only offered .20 for the same amount of time!) The service that I receive is wonderful, the online login and site is easy to manage, and everyone was so nice I feel like I've made a brilliant choice and I hope this helps you! Sorry for the long rant, but I feel like my money is making money again and that makes me :)
I'm reading a lot of comments here that really like their Target credit card, and I liked it as a baby-credit card, but after seeing what other credit cards give me, I really think that the Target credit card is sub-par. When I signed up for it (years ago) I got 10% off my purchases for 24 hours (cue spending spree) and they would randomly send me 10% coupons/vouchers throughout the year if I spent X amount. I never really got any additional rewards AAAND the APR was high AAAND my credit limit was oddly low. It never made sense. Over the years I've used it less and less and now I just keep it around to show that I've had it for so long and I have X amount more on my credit limit available. It was good to me then, but I think there are better cards now. It's a great card if you always shop at Target, but I wish they would give more than just 10%!
This credit card is great if you love to travel! I'm a big traveler so I'm always looking out for credit cards that give me a lot of rewards with not a lot of effort. This was definitely one of them. I got a ton of bonus miles, a really low APR rate, and I like that I can earn miles with every dollar I spend. I have the Chase Sapphire card now, too, and I think that this card (the US Airways) combined with the Chase Sapphire card = a ton of amazing benefits! Talking more about this card- the website is easy to navigate, the customer service line is oddly enough a great experience, and knowing that I'm saving up for an awesome vacation while spending is a good feeling. Highly recommend!
After my previous bank kept charging me $5.00 per month for not keeping a very high minimum balance and then they started charging me $3.00 to simply use their ATM card, I decided it was time to look around for a credit union that would offer me a lot less fees and a lot more interest. I found LGE and I've been really happy with them! They don't charge me for whatever balance I choose to have, I never worry about random fees, the customer service is always awesome, and the credit union is based in my state (about a 20 minute drive away from me!). They have a convenient branch located not even 5 minutes from me and I love it! Oh, also, the APY is much, much higher than what I was getting at my previous bank. I'm not sure why I waited so long to switch to a credit union- I get all the benefits and none of the random charges. Highly recommend!
This is a pretty good credit card. I initially signed up for it because of the bonus miles (It was at 40,000 when I got it) and I literally paid.59 cents for a piece of candy with it and I haven't used it since (I have the Venture One Card that is so much better in terms of miles) BUT the miles posted next month! So I got 40,000 miles for only.59 cents. I reaalllllyyy don't like the annual fee, but maybe it's worth it for the miles? So far I'm really happy with this card and I'm a frequent flyer so I recommend it! I'm surprised that the miles are not double, but hey, 30,000 (or 40,000) miles to begin with it a pretty sweet deal!
I love AAA! AAA has been a part of my family my whole life. It has helped my dad when his car broke down (AAA had someone tow it to a nearby car mechanic), it helped my brother when he needed a jump in his school parking lot, and AAA has probably helped me the most (like when I locked my keys in my car in high school...and in college...and last week) They are ALWAYS so nice to talk to, so reassuring, and they provide updates as to their ETA (they understand you are busy but you need help fast). I'm not sure about the application process, but I know they have very easy to understand disclosures, wonderful customer service, and fantastic problem resolution. In addition, being a AAA member gets me tons of discounts- at Inns, some theatres, hotels, and car rentals- just to name a few. Definitely recommend.
woooboy! I think that people can do a lot better than GEICO. I picked them as my car insurance company when I returned to the United States. I needed something quick and pretty painless as far as car insurance goes, but for some reason it ended up being really difficult to sign with GEICO. They needed all sorts of proof- proof about my last insurance, proof about my driving (like the drivers education course that I took when I was 16 years old) and then, after I signed, I realized that I was too hasty with my car insurance choice. They didn't offer me any discounts based on my older car, my great driving record, or anything. In fact, they offer high prices for lower coverage. I wish that I had taken the time to shop around a bit more before I committed to this car insurance company...it was/is such a hassle.
I LOVED this card for the initial startup cashback offers. That's the main reason why I signed up. They offered me 200 dollars cashback (they cut me a check!) for opening up a credit card with them and using it just ONCE. But like Pringles (once you pop you can't stop) I kept (wisely) using this credit card because it built up good miles for redemption. It has the Visa logo and I used it a good bit when I was doing some international travel last year. It was a bit slow to build up miles in comparison to the Capital One Venture Card or the Discover Miles Card, but overall, it was great and I highly highly recommend it. Who doesn't love 200 dollars in their bank account, a steady stream of miles, and the Visa logo? I never called their customer service, but I hope that it is better than Capital One. Great card, highly recommend.
I thought this card was the bees knees when I first got it and it really was. I was saving up to go to China to teach English for a year and I wanted miles to travel around China and other countries. The benefits are awesome- you get bonus miles and it seems pretty easy to rack up more miles. The catch? Discover isn't accepted by a lot of airlines. Sure, it's accepted in the United States pretty regularly, but Visa is the big seller for international travel. So, yes, the benefits are amazing (and I'm enjoying the benefits again now that I'm back in the United States) but as a travel card....it's really best for domestic travel in the United States rather than international travel. The idea is great but the execution is pretty bad. I thought it was neat through- you can use your travel miles at Amazon.com or for other cool things (partner sites) instead of being restricted to only miles. Would highly recommend despite the international travel aspirations.
This was my first card with Capital One before I upgraded to the Venture Card (love the Venture Card!) This card was just a great card for boosting my credit score. Nothing all too special about it. There were not really any benefits, nothing all too amazing about my credit limit (which was surprising) and as long as you pay on time this card will remain just a great little card to help you, too. The way this card turn evil is if you pay late- the APR rate is sky-high! Be careful...for such a carefree and relaxed card they had to get their money somewhere and that's with an APR rate of nearly 25%. Once again, I really dislike the customer service center with Capital One, and their online e-mail customer service center is pretty painful too. Hope you can avoid calling them for help! Overall, good card, but nothing special.
The Capital One Venture card has already given me close to 300 dollars back in the form of cashback on my travel purchases. I signed up and was able to get the "double miles challenge" and I got the additional miles because of a promotional offer. I know other people will get more miles from the double miles challenge (I didn't spend all that much last year on any major credit card), but it's a wonderful card. The benefits are great, the redemption offers are wonderful, but I would say that the only issues with this card are 1) Capital One customer service center is just awful. I hate calling them, but I had to and 2) there is an annual fee associated with this card that is a bit high, but once again, I've gotten nearly 300 dollars back already! It's a good card with great benefits. Highly recommend.
I had a Discover credit card before I got the Discover Savings Account and I can say that I am so happy with the Discover savings account! It was right in the middle of the economic crisis that they offered this account and I jumped on the interest rate (it was much higher than anything that was offered) and I haven't looked back. It's all done online, so the transfers and withdraws are easy to do and very very painless. I had to use the Discover Customer Service once when reporting my interest to the government during tax time (that was a slooow experience, but not horrible). Overall, it's definitely worth the savings and it's something that I really trust. I love seeing a good bit of interest for the amount of money that I have saved. It really makes me want to add more to it.
I also have a checking account with Charles Schwab (see my other review) and my feelings about them as a checking account and the transition to them as a savings account are just as good. My savings account is great, and I'm currently expanding out to a Roth IRA and it's wonderful how clear-cut the procedures are, how helpful everyone is, and how easy (!!) it is to do everything online. I can transfer and withdraw money to and from my savings account any day of the week. Banking with Charles Schwab makes me feel like I am a responsible adult with an account that can handle my dreams and any money that I want to save. Highly recommend this bank for whatever it is you want to do with your money- save, invest, or simply hold.
Charles Schwab is my FAVORITE of all the banks that I am a part of. They have an amazing debit card that allows you to withdraw money from ANY ATM in the WORLD and there are no fees. Absolutely zero. I'm a big traveler and I wish I had discovered this earlier. I was recently in the Philippines and I needed to get money in the local currency, so as I was heading to the ATM, a security guard informed me that I would get a fee for using the machine, plus an addition charge for the conversion from USD to pesos. I wasn't even worried: Schwab took care of all the costs and it was like I had removed money from a local branch instead of halfway around the world. The only bummer about Schwab is the lack of locations, but their customer support are some of the classiest, well-informed, and helpful people around. It's a joy to call them with a problem because I know they will have a consistent solution and a helpful attitude. I love them!
I have the standard "student" checking account. I opened it my sophomore year of college and even though I'm not a student anymore, they are in no hurry to switch me over and neither am I. The standard student account has no obligations to have minimum direct deposit amount, no minimum account balance- it's great how relaxed it is! A couple of bummers/disappointments about BB&T is that they seem to be a bit old fashioned and slow when it comes to general deposits/withdrawals/wire transfers. Their website seems to be old in comparison to other banking websites like Wells Fargo or Schwab. If that doesn't bother you then the only thing that I think that would annoy someone (like me) is the lack of a convenient location. It would be great if they had more ATMs or more locations. Hope this helps!
Ever since Wachovia has switched over to Wells Fargo, I've noticed a steady decline with their policies. Their customer service is still great- people are always friendly and so polite...but Wells Fargo has started adding in little footnotes that add up to a lot of dollars out of my pocket. The most recent on has to do with my ATM card. If I use it outside of my branch, I get a 3.00 charge, per month! Not just a one time thing, but every month I'm dinged 3.00 out of my pocket. That doesn't seem like much, but then when you add it to the monthly balance I have to maintain or else I lose more money for not having enough money (wait, what?) then it starts to add up to a lot of money leaving my bank to go to a bank that is supposed to be there for me. I marked 5 stars on the application process (it's easy to get a checking account) but only a 2 star on the problem resolution, because I think they still have these policies in place. Oh, how I wish for the Wachovia days!