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The Visa Black Credit Card is for the big spender, that's for sure. With a hefty $495 annual fee, it better offer some great perks! I don't think any credit card really needs an annual fee of that amount, but the benefits must out weigh the costs for those that can utilize VIP airport lounge services and luxury gifts. The APR is pretty low, but I assume if one can even get the Visa Black Credit Card, their credit must be near perfect so they are deserving of that low interest rate. The rewards points program is unlimited, as it should be for a big spender like this.
The Citi Simplicity Credit Card is as simple as it gets. It's great for someone with minimal but great credit. It's also especially great for someone who doesn't use credit all the time. If you just want to build credit by paying a bill or two a month with it, it's great. There's no interest for the first year and a half, and there's no hidden fees! That's awesome. Those yearly membership fees on other cards get really annoying. It's great that there's no late or penalty fee (just the expected increased APR%). This card is exactly what it states- Simplicity.
For someone who is very brand loyal, the American Eagle Outfitters Credit Card could definitely be very handy to have, especially with the extra coupons and savings that are promised. I personally think it'd be best to use this credit card solely for American Eagle purchases, or minimum purchases to keep the card active. Although rewards points are offered for non-American Eagle purchases, there are better rewards out there. It's kind of a shame this card doesn't give you the bonus rewards for other stores. I love my Gap credit card because I can use it at so many other stores and get those bonus rewards points.
The Capital One Venture Rewards Credit Card is a fantastic card for anyone who travels, for personal or business reasons, or even both. As someone who travels for work, this is great for me. I'm required to submit all my receipts every two weeks for reimbursements. I would rack up points so quick! The annual fee doesn't seem too great though, even if they "waive" it the first year. Roadside, travel, and emergency assistance are recent features of cards and I think it's great that things like this are offered. It should be automatic, in my opinion. For the frequent traveler, this is a fantastic card.
I've really reaped the benefits of my Sears credit card. I am an automotive technician, and although I get vendor's soliciting their tools, I prefer Sears for a variety of reasons. My loyalty extended after I got the credit card and I'm now able to take full advantage of additional discounts, savings on interest, and also by using this credit card at other eligible stores. I get rewarded for my loyalty with additional great savings, both at Sears and at the other stores. Their interest rates are more than fair and their customer service is definitely top notch. I had a minor issue a few months back and they fixed it very promptly above and beyond my satisfaction.
For those with less than decent credit, or no credit at all, I think the BankAmericard Fully Secured Credit Card seems like an obvious choice. Your credit is limited for a reason, but can be extended if you demonstrate good credit habits. The $39 annual fee seems a bit steep, but I suppose that's just BankAmericard taking advantage of what they can. I think the BankAmericard is a good step in the right direction for those that really need it. It seems to create necessary restrictions and precautions while helping people establish better credit little by little. Obviously this isn't something someone with an average or above average score would need, but it's nice to know something like this is there for some that need it.
I think the Virgin America Credit Cards are a bit too specific and targeted for the average person to really take advantage of. If you do, however, fly with Virgin America, then it's the obvious choice for credit cards. The Rewards System seems to be the standard-- getting one point per dollar spent, and of course more if those dollars are spent on Virgin America. The bonus for the balance transfer seems a bit desperate, but it can't really hurt, especially with the 0% APR. Overall, I think this card is perfect for a few select people, but generally isn't any better than any other card out there.
As someone who frequently purchases things from Amazon, I love their credit card! I got an instant $30 credit with it, which was great. Their rewards program is great. It's three points for each dollar spent on Amazon's site and up to two points for all other items. I accumulate points pretty quickly because I use my card so much and pay it off very quickly. My APR is really low (I have great credit) too. It's probably the lowest of all the cards I've had. I haven't had any problems so I can't speak of their customer service. If you buy things on Amazon a lot, I highly suggest looking into this card.
I wasn't really sure what to expect from the Credit Union of New Jersey, but it wasn't too bad. Since I moved, I decided to take my parents advice and look into using a credit union instead of a corporate national bank. We both had less than desirable experiences with our previous bank so I figured it was a good idea. All in all, my experiences were pretty good, but there were a couple times I had some issues getting answers to what I thought were simple questions. No one was rude or anything, but I felt somewhat disregarded. It wasn't bad, but it wasn't that great either.
I had Renter's and Car insurance with State Farm so finding a good policy for Home insurance was a breeze. My agent, Darrell, is incredible and worked to find me the best rate he possibly could. The application process was so simple because of him! Unfortunately, our home was robbed a few years ago. But because of the precautions Darrell had put in place, working to get everything remedied was painless and quick. Darrell worked around the clock to ensure we were being taken care of and everything worked out. I had no idea we could be compensated for so many things! His idea to take pictures of our 'inventory' was very helpful too. With all the frenzy of the robbery, dealing with the insurance aspect was really quite minimal in terms of stress factors. I would recommend State Farm Home Insurance to anyone who asked. Just ask for Darrell!
My wife signed us up for the GAP Credit Card because she shops there so often. I've used it a few times for Christmas and birthday presents. It's nice that you can use it for a few non-GAP stores and still get points, but we make a point NOT to use it anywhere else. The rates just aren't worth it. Account management and paying the bills are easy enough so I don't have any complaints. If you're an avid shopper at Old Navy, the Gap, and the other stores that give you good points, then this is a decent card. It might be worth it to shop around for better rates though.
I've had my Bank of America Credit Card for almost four years. I haven't had any problems with it. The fees and rates are fair. I try to make my payments on time and their grace periods are really reasonable. I feel like I am contacted by Bank of America a lot more than other credit card companies. They try to sell me different things, such as additional protection, upgrades, etc. via email and the phone. It's kind of annoying but I've learned to ignore it. Overall though, my experience with Bank of America has been fair. I shop, they pay, then I pay them back!
I had car insurance with Geico and while it wasn't the worst insurance experience, it by no means was the best either. I have a good driving record and always paid my insurance on time. I had a piece of ice fall off the roof of my car and it chipped the windshield of the car behind me. While the other driver was really understanding, remedying this situation was considerably more involved than it necessary. After three weeks of back and forth with Geico, I finally paid for it out of pocket because I didn't want to keep the other driver waiting. Others may have an okay experience, but mine resulted in changing insurance companies after being presented with a comparable rate.
Iâve had car insurance with State Farm for over seven years. Their customer service is unmatched. My agent, Darrell, has been amazing, as have the other agents Iâve dealt with in various departments. They donât spam you with unnecessary calls or emails, but instead provide you with prompt and thorough customer service. My rates have been reduced since Iâve been with them for a while and have gotten other insurance through them. When I first got their insurance, it looked like I had an issue with a period of no insurance but they helped me work things out with my DMV so I could avoid a hefty fine. I canât imagine using any other agency for car insurance.
Since securing a better job and accumulating some savings, I decided that purchasing a new car would be a good investment. I already had a savings account with Wilmington Savings Fund Society from when I was in college. I went to withdraw the money and close the account, but I was persuaded to sit down and talk with a representative about my options with them before leaving. I had already decided to go with my bank that I have a checking account with, but WSFS was able to offer me extremely competitive rates. I was really surprised they were to make such a great offer being such a small, local bank, but they really worked with me. I’m really happy I stayed with them. At one point, I was on short-term disability and feared I would have issues making payments, but they worked with me and helped me out with no additional problems. Their dedication to customer service is incredible.
I’ve been a Bank of America customer for over four years now and I love them! I didn’t have the best credit score, but I worked with them and they helped me out. They also helped me with a small car loan recently. Before I started banking online, I was mailing them checks. One of my payments was considered “late” because of a bank holiday that got in the way. I called, explained the situation to them, and they took off all the charges. They were really understanding and helpful. I didn’t think banks were so great! Bank of America offers reasonable rates and fair fees. I expect to be a customer with them for a long time!