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I am neutral about this agent. He is not very personal and doesn't seem to care much about me, but he does get the job done. When I had a house fire, I contacted him to help with the process. He pretty much forwarded me to another representative and got me in contact with a claims adjustor. The adjustor came down and handled the situation and the agent didn't really call in to check on how I was doing or anything. I did end up emailing him to ask a question, but he pretty much said to ask the adjustor. I am fine with that, but it just didn't feel he cared and it felt more of a business to him. I am glad that they took the claim and I was put into a hotel until renovations were complete at my house. I just wish he had been more personable and took the time to ask how I was doing or even tried to call back to see if everything was going well. He did not, but I think it may be due to his busy schedule. The positive though was that I was taken care of financially, but would have loved if he put in more effort with time.
I got the Capital One Quick Silver card a couple of months ago and so far so good. I bought a new house recently, so needed to use it on several appliance purchases. The card is great for rewards, because I got a $100 bonus, just for spending the money on it right away. I am very good with keeping up with all my purchases so there is not much of a problem with the APR. The late fee is a little high at $35, but I haven't had to deal with any of that. I also like that whatever I do rack up in cash backs they never expire. The card is on my positive list since I have only had a positive outcome with it so far. I have only had it for a few months, so I hope it will continue to be the same throughout the years.
The Banana Republic card is a really great card. I am able to use it not only at Banana Republic, but also their sister stores such as Gap and Old Navy. This is another great rewards card where you can earn points just for buying things from their shop. I can earn 5 points for every dollar spent which can add up pretty quickly. I also enjoy shopping at Express, so comparing this card to Expresses store card I would say Express is a little better since I can earn 15 points per dollar spent. The other thing Express has above Banana Republic's card is that they even give you a gift on your birthday which is a nice treat. The things I like more about Banana Republic's card over Express is that their apr rate is lower at 23.99%. Overall it is a nice card and I have no problems with it.
The Best Buy card is a really good card. I like that there is no annual fee, because it gives me one less thing to worry about. I already have to worry about bills from other cards. Another thing I enjoy is that the card gives me reward points. I get to earn the points and when I get enough I can get a $5 certificate from just spending money on something I would have purchased in the first place. I also like to buy similar items from Home Depot, but compared to Best Buy's credit card, the Home Depot card doesn't have a rewards program. I prefer the Best Buy card for the rewards aspect, also their apr is slightly lower which is another plus. The only negative is the high late fee of $35, but since I always pay on time I do not face that problem.
This card comes in pretty handy whenever I need to buy appliances. I got the card when I first bought a new washing machine a year ago. The customer service representative explained the benefits and it seemed just right. I was able to buy my washing machine and could pay it off in increments. The good thing about this card is that there is no interest if paid in full within 6 months of purchasing the item. This gives me a lot of time to enjoy the purchase without worrying about the money issue. The next time I was able to purchase a new refrigerator and used the card in the same way as before. The only negative thing is that the APR is a little high, but as long as you pay everything off in time, there is no worry. There have never been any problems with my purchases and would highly recommend the Home Depot Store card to others that want to save money.
JCPenney's is one of the stores at the mall nearby that I frequent. I got the card last year while shopping with my brother for his graduation outfit. Their prices are good and the sales clerk was friendly enough. I figured I will get the card to take advantage of the frequent times I do shop there. Since there's no annual fee I didn't have to worry about how much it would cost. I am pretty good with paying the balance off quickly, so the APR didn't bother me. The thing I like most is that I get to earn points, just for shopping there. Whenever I spend $100 I would get a $10 reward. That was a good thing since I am able to get something extra for free. The last time I got several slippers that were on sale. Pretty good fro just doing what I regularly do anyways. If you want to earn a little extra money just for shopping, then it's a good card for you.
I've been a member at BECU for about a year now. I needed a place that would treat me with more respect than my other bank (BOA). I can say that being with BECU made me much happier. The tellers are always very friendly and talk to me like an equal person. The one thing that was a bit of an inconvenience was that when I first tried applying online, they said my credit was low so they didn't accept me right away. They never sent me an email, I had to be the one that emailed and called in to find out what was taking so long. Finally I got a reply that said I needed to go in person. Good thing they helped me a great deal. There are no fees which is something I am thankful for. The application process was a minor setback, but everything afterwards made up for it. Consider joining a credit union because it will save you a lot of money in the long run.
This card is pretty good. I got it about half a year ago. My credit history was on the low side, so I needed credit cards that would help build my credit score. What I like most is that there is no annual fee and that helps save a lot of money over time. They offer cashback on purchase, so no matter how much I spend at shops I will know that a little bit of it goes back to me. Not only do they give 2% cashback on travel purchases, they also give 1% cashback on all other things I buy. The interest is a little high, but I always pay my bill on time, so that is not an issue. I am pleased with the cashback that I'm getting with this card and haven't had any issues with it so far. I would say this is a good card for people looking to build some credit history or for a first card.
I've been using the Capital One Secured Card for about a year now with no problems. Before I was the type of person that only used cash, due to the fear of all the fees that are associated with credit cards, but for this one the $29 annual fee isn't too bad considering all the benefits they give. It''s much easier to pay with than having a load of cash in your purse, just pull the card out and you're done. The main reason for choosing this card was because I didn't have any credit, so needed to build my credit score. They allowed me to make my security deposit little by little instead of putting one big sum. I was pretty new to credit cards, so had to call customer service a few times asking about how it worked and each time they were pleasant. I would recommend this card to anyone that has low credit or needs to build their credit.
I used to be a customer of Bank of America, but had too many problems with them, so I decided to switch to a credit union. My checking account was supposed to be free with a minimum balance of $300, but every few years they would raise the minimum balance without even letting me know. When I contacted customer service they were useless and said there was nothing they could do and never returned my money. After only a few years that $300 minimum balance became a $1500 minimum balance! I had enough when they start charging $14 for a "monthly maintenance fee" for nothing. My suggestion is stick to smaller banks or credit unions, because these big banks will rip you off. Bank of America is terrible.