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This guy was just horrible to deal with. I filled out a quote online and said he was my agent, so I give the guy a call because I have questions. He calls me back the next business day after 5pm, says he got my message, but he's driving in his car and can't answer any of my questions! So he says he'll call me back the next day during business hours and talk to me. He never called me back. I would not recommend this guy, must not want any business if he can't return a phone call properly.
I don't really like this card when you consider it's base amount of cash back if pretty much equal to any other Visa card's standard reward program. 5 cents per gallon is the same as 1.25% back when gas is $4/gallon, and the reward rate goes down as gas gets more expensive. My Capital One Venture card gets 1.25% back on every single purchase and is also a Visa, I see no reason to get this card because of that. Purely looking at this card from a rewards perspective I would not advice getting it when there are better cards out there.
The Travelocity Credit Card is great if you frequently use Travelocity to book your travel. You get some great sign up bonuses that are equivalent to $100 after you spend $1,000 within the first 90 days, very easy to do if you are booking a trip with airfare. This card then gives you 3% back on purchases through Travelocity and 1% back on every day purchases. You may be able to find a better deal on travel with other cards with as much as 5% back, usually those bonuses are rotating on a quarterly basis. The Travelocity card gives you 3% back all year round, perfect for frequent flyers.
She was very good with getting us a great rate on our mortgage. In fact, she was able to rate match a competing bank and get us the lowest rates we've seen since late last year. Our only issues with her were moreso due to working with Chase, Chase is SLOW when it comes to mortgages. It took longer than 30 days to close, took several mortgage extensions to be filed, and we felt like we were constantly running up to the last minute against deadlines. In another positive though, she was able to get us the most credits than any other bank towards closing costs, including refunding the credit check, appraisal, and even getting us additional Community Reinvestment Act money. Every little bit counts, and financially we felt like we made a good decision going with Chase. Just wish they weren't so slow with everything else.
One of the reasons I decided to go with Credit Union 1 was because I after moving my new address was not eligible to remain with my previous credit union. I did not have that problem with Credit Union 1 at all. They have tons of co-op surcharge-free ATMs at places like 7-11 which make using this credit union possible from pretty much anywhere. Checking is completely free if you have direct deposit, but if you don't have that as long as you do 5 transactions with your debit card it will count just the same. The savings account had a $5 minimum balance which was also easy to maintain. Overall I'm pretty happy with them as my primary credit union!
This credit union has some requirements based on where you live so you might want to look into this first before considering them. I used them for awhile when I lived in the area, and loved having a credit union with physical branches that I could go to. I felt that the customer service was amazing and that their interest rates were very competitive. Overall I would probably still be with this credit union if I lived in the required area, but I moved and hence I had to move on as well. Other than that, one of my favorite credit unions I have been with.
I was with Alliant Credit Union for awhile after moving to Chicago. At the time I wanted to avoid putting my money with the bigger banks, and Alliant came highly regarded from several friends in the area. The only thing I had to do to avoid having any fees with them was to have a direct deposit going into my account which was really no big deal at all. They have a huge network of ATMs, great online banking, and because of that I was able to do without them having any physical branches. The savings account had a minimum balance of $5 which was no big issue either, but the interest rate was pretty high up there, I believe around .70 which is GOOD for a savings account IMO. I would give these guys a consideration if you're looking for a credit union.
I actually just signed up for a Home Depot card because of an excellent deal they have going on. We are getting new windows installed in our house, and the current promotion was that they had no interest for 24 months if we signed up for a Home Depot card. I very rarely see them offer deals for that many months of 0% interest financing, plus they also were offering 10% off my purchase. Usually it's one or the other, not both. I figured might as well pay 2 years from now with future dollars that are probably going to be worth slightly more than what they are now with inflation.
If you plan on making a lot of purchases for a home, I would highly recommend looking into the Lowe's Credit Card. It has no annual fee, and you get 5% back on your purchases. Most credit cards give only 1% back, so the 5% back can make a big difference if you are making a lot of purchases for a home renovation. They do have options for financing as well. If your purchase is $300 or more you can chose to pay no interest if your purchase is paid in full within 6 months. It's not bad, but it's nice to know it's there. I still prefer to take the 5% every time though.
I've recently switched my car insurance from Geico to Progressive, and so far am enjoying the change. One of the main reasons we decided to switch insurance companies is simply the rates! We don't have fancy high coverage insurance, all we really care about is getting the best rate we can to basically cover the other guy in case we get into a bad accident. With progressive the sign up process was easy, we were able to get a more competitive rate and get the same amount of coverage. Thankfully I have not had to submit a claim with them yet so I can't comment on that process, but so far I have been very satisfied with the overall sign up process and rates! We did everything online, so we didn't even have to wait on hold for a single minute to get somebody to process our application, it was wonderful. The biggest surprise I think was being able to print out our insurance card instantly and not having to wait for it to come in the mail.
Not many people know that Capital One offers online banking products as well as credit cards. After being a credit card customer for over a decade I kept getting letters in the mail about their online savings accounts. After looking at the interest rates they were offering me, I finally decided to bite and open an online savings account with them. If you are familiar with other services like ING it works very similarly to them. Because they do not have brick and mortar stores I assume that is how they can offer such a high interest rate compared to your regular bank. I personally use another bank for my primary account, but transfer savings to my Capital One account for the additional interest rate. That way I can still cash a check in person if I need to, but enjoy the benefits of the higher interest accounts that they offer!
Everyone should have at least one Master Card credit card in their wallet, because I do occasionally run into the place that only accepts Master Card like Sam's Club. Overall this credit card is pretty good compared to other credit cards I own, but probably because it's very similar to other Capital One cards. The main thing about this card is it's cash back feature. With the annual bonus you are pretty much earning 1.5% on every purchase which is pretty high for a Master Card. Just be aware that this card has an annual fee which could potentially offset that cash back you receive if you don't use it enough! For a $35 annual fee, I think you need to be spending around $4,000 a year on it to break even with other basic 1% cards and make it worth it.
I used Nationwide Insurance for about a year after I moved to Chicago and later switched to a different company because of a better rate. I never had to file a claim with Nationwide so I cannot speak for how smoothly that process went, but overall I had no problem with signing up for the service and later canceling my policy with them. I will admit that it was a little weird having to speak to a representative when you wanted to make changes your to account, as I would usually expect and prefer to do all that type of stuff through the website, but other than that I have no real complaints about them other than that I was able to find a cheaper rate elsewhere.
This is one of those cards that you really have to look at the rewards and see if they benefit you for what you spend on. I use this for my small business, so a lot of company purchases go through it and we primarily use the rewards for paying for company travel. The 20% off on airfare is huge for us when we need to book a couple tickets to a convention. You normally get 2% back on dining and other travel expenses, and a standard 1% back on all other purchases. If you travel a lot, this might be the card for you. But if you don't, then you might be better off getting another card that will give you more cash back on stuff like groceries. It also has an annual fee, but you'll easily save that in travel if you use it often. The initial bonus is also huge! Be sure to use your card a lot to get that $500 Bonus!
I had a house fire while I was with American Family Insurance back in 2006. I was surprised at how smoothly the process went with filing a clam, getting reimbursed for our temporary housing, reimbursed for personal property, and the repair of our home so that we could move back in. After the fire they actually paid for us to have a rental house only a few blocks away from our home which worked great for being there for the repairs and commuting back and forth to our home for visits. I was just surprised at how smoothly the process went, and that they covered all of our personal property losses. It was a lot of work on our part to have to write everything down, but I feel that we did an accurate job of listing the stuff and we were reimbursed appropriately. I hope I never have to go through that process again, but AmFam made it easy.
I used to have AAA insurance when I was living in Michigan, and sadly had to switch when I moved to Illinois. They truly are a great insurance company. I have unfortunately had several claims under them, but never had an issue filing a claim and they always paid out. From things as small as being hit in the parking lot and needing to get my car fixed, to a hit and run where the driver fled the scene. I also loved how it included the roadside assistance, which I have used several times in the past to jump a dead battery and get my car towed to an auto shop to get repaired, which were a convenience and savings in itself. Would definitely recommend AAA and if not for the insurance then the roadside assistance. They are always easy to reach and deal with when needing to make claims.
I’ve been a customer of Geico for a little over a year. My family only has one car currently, and it’s not exactly a nice car so our insurance needs are not that great. We were concerned more about making sure the other person’s car was protected if we were at fault than insuring our $3,000 car with a $1,000 a year plan. The application process was super simple, we did it online and when comparing rates we thought Geico was pretty competitive. We have fortunately never had to submit a claim with Geico so I cannot vouch for how easy or difficult that would be, but for the coverage and price we pay we’re happy.
If you are going to be saving up for a new car, this is the credit card for you! I have had this card for several years now, and the best part about it is that you earn a whopping 5% back on every purchase towards a new GM car! There is a maximum allowance towards each model of car though, so be sure to check that out first. For example, we could only get up to $2,000 off our Suburban. But in order to get that, you need to spend about $40,000 on the card which was very easy to do over 2 years for us. Never paid a finance charge or interest, and it was basically like a free $2,000 towards a new car! We knew what we wanted to get, so this was a no brainer. You can also use this toward the lease of a new car, but we did not do that, but worth checking into if you like leases. I guess the main thing to keep in mind with this card is that your earnings expire after 7 years, so if you have this card with a goal of purchasing a new car in mind, you'll want to be using it for all your purchases for quite some time.
This was the first credit card I ever had, and pretty much got it to start building up my credit history. I drive, figured I need gas, so why not get a credit card for buying gas? With no prior credit card history I was approved, although with a very low monthly limit, but that was fine for my first card! You get 15 cents off per gallon, and the card even has the SpeedPass built into it, which makes it easy to pay. I always see Mobile Gas Stations around me, so getting this card was an easy decision. Even though you can use it elsewhere I pretty much stuck to using it primarily for gas. If you have a teen that is now driving this is a great way to get them to start building up their credit history by getting them a credit card for gas in their car.
I got my car loan through Wells Fargo and overall it was a positive experience. We decided to go with them because they were able to give us the best interest rate out of all the banks in our area. Everything went fairly smoothly, the application process took us a little over an hour, they did employment verification the same day, and the next business day we had the money for our car. Can't ask for anything more, right? We make payments on time through their website, and have made monthly payments on time and have not seen a change in the terms of the loan or anything like that. I would recommend this bank, but advise you to always shop around for the best interest rates in your area.
The Chase Freedom card is a pretty good rewards card to have if you don't want an annual fee. While it isn't the best for making your every day purchases since you only get 1% back (which is a standard these days), Chase offers up to 5% back in select categories. The only catch is that you have to sign in through their website and basically activate those bonus rewards every 3 months. This card is great if you are using it only for those categories. In Q1 this year you could get the 5% back at Amazon and Gas Stations, Q2 was grocery stores, Q3 right now is restaurants, and Q4 will be Best Buy, Hotels and Airlines. If you are looking to maximize your rewards, this card can definitely give you a bonus in those categories. You really just need to remember to activate the rewards every quarter and then break the habit of using your regular card for the next 3 months. I also get an additional cash back bonus for having an account with Chase, which is originally what drew me to the card in the first place, so keep that in mind as well!
The Capital One Venture card is pretty much identical to the Venture One card, except that this one comes with default rewards of 2% back on every purchase with a $59 annual feel which is waived for the first year. I love this card, it is one of the best rewards card I have used. And since it is a Visa it is accepted everywhere! While the $59 annual fee might seem high, you really need to weigh how much you spend each year on your credit card and if it's worth it. Basically, if you spend $8000 every year, with the additional.75% back over the Venture One card you'll pretty much make back what you paid in an annual fee. Everything you spend after $8,000 means additional rewards you wouldn't have otherwise gotten with the free card. Overall the website for Capital One is easy to use, they offer a competitive interest rates. My limit is at $15,000 and all I had to do was call them up and ask for a bigger limit! You also can use their online shopping portal to get additional rewards at certain online stores, and sign up to receive additional rewards at places like Starbucks every time you swipe your card. Definitely recommended, but only if you spend over $8,000 a year on your card.
I was with Bank of America for about a year as a checking and savings account customer and ended up leaving them over customer service issues at the branches I visit. My main issue was that they wanted to offer me free overdraft protection, to which I said “Sure!” Little did I know they signed me up for a Bank of America credit card I did not ask for with the smallest limit I’ve ever seen, which if I over drafted the balance would be charged to my credit card. As you can imagine, I was very surprised and canceled my accounts with them immediately. While it's partly my fault for assuming that my overdraft would come from my savings account, they also didn't tell me they would be opening a credit card for me. Other than that, the banking and checking were fine just like with any other bank. As long as I maintained a direct deposit checking would remain free, and they offered a comparable interest rate on my savings account. There are always tons of branches, so I had no problem finding one, though overall I’ve found their tellers to be slow in comparison to other banks I’ve been with. If you’re looking for lots of locations for basic savings and checking, the bank is pretty average. It’s possible my customer service issues were isolated to the branch I visited, but that is something to consider as well.
I have had the Blue Sky card for about a year now. I mainly use it for shopping at CostCo, but also as a backup in case I can't use my primary Capital One Venture card. I feel like the rewards on this card aren't as great on other cards. The best deal is redeeming 7500 points for $100 in airfare credit, but that's it. Other cards let me do cash back, gift cards, things like that and redeem points at a much higher percentage back. American Express also would only give me a $2,000 limit, while other cards gave me as much as $15,000. Overall it's a good card to have if you need to pay with AMEX like a place like CostCo, since there is no annual fee. But you are better off with other cards for every day purchases that offer you a higher cash back.
I have been a member of Capital One for 8 years now, and two years ago they upgraded me from my No Hassle Rewards card to a Venture card. I am pretty huge on using this card for the rewards, as I use it for all my every day purchases. You get 1.25% back on everything, no restrictions! They also have an online rewards mall where you can use their portal to get addition money back. Save an additional 5% off all your iTunes purchases, or an extra 2% at BestBuy.com, stuff like that. There are also quarterly promotions you can sign up to that give you bonus rewards at retail stores in person, such as iHop, Red Robin, AM Theaters, etc. Redeeming your points is easy, as I always cash out for Amazon Gift Cards and they arrive in the mail between 5-7 days. You can cash out as little as 1000 points for a $10 card, so there are definitely not any high rewards thresholds. You can easily cash out your points in a month of using the card for your every day purchases. Rewards aside, the card is overall pretty great. It's accept anywhere Visa is accepted, the online interface is great for showing pending charges or paying your bills. I really have no complains about this card. If you spend more than $8,000 on your credit card every year, you might want to consider the Venture One card with the annual fee. It gives you 2% back on every purchase you make, so the annual fee pays for itself as long as you spend over 8K a year.