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I've been a customer of Capital One for several years as a credit card user, auto loan customer and a savings account customer. I've never had any problems with them and the few times I've had to reach out to them with a question the person I've spoke to has always been very helpful and easy to deal with. I'd recommend Capital One to anyone that's looking for a savings or credit product.
I switched to State Farm via John's agency in 2010 and I've not regretted it at all. They've currently underwriting my homeowner's insurance and also a separate policy that covers all of my cameras and lenses against any sort of loss. The few times I've had to call the agency John and his staff have always been very courteous, professional and helpful. They've answered all of my questions and been more than willing to go the extra mile when needed to ensure whatever issue I've had was resolved. Thankfully I've never had to file a claim with them, but if past experience is any indicator they'll take care of any claims I file quickly and thoroughly.
With more and more credit cards offering tailored rewards, the Best Buy Credit Card seems tailored towards the electronics nut. Using it at Best Buy earns you 2 ½ points for every dollar you spend at Best Buy. In addition to the rewards points, every 250 points earns you a $5 rewards certificate that can be used on any store purchase. The interest rate seems to be on par with what other cards offer, but glaringly absent is a grace period, so no matter how quickly you pay off your purchase there’s going to be an interest charge. It offers cash advances at what seems to be a rather high rate of 27.99 percent, or $15, whichever is higher, which makes cash advances from this card rather pricey and something to be avoided. If you do a lot of shopping at Best Buy, this might be a card for you to use strictly at Best Buy, but for regular day-to-day use I think there are better offerings out there to be considered.
I think this card has some decent benefits but is also lackluster in other areas. The rewards system seems rather robust, offering between 1 and 3 points per dollar spent (depending on the items purchased). It also offers a 25-day grace period on purchases, which seems to be what other cards offer. If I had to choose something I don't like about the card, it's the percentage rate on balance transfers. I've seen other cards offer lower introductory rates on balance transfers, some going as low as 0. Everything else about the card seems to be in line with what other cards offer, which to me, makes this card a rather average offering.
If you meet the credit requirements of this card then I think you might be hard-pressed to find a better deal. It offers a 0% introductory rate on purchase for the first 12 months and an interest rate as low as 9.99%. It also offers some decent perks, such as travel accident insurance, purchase protection and zero liability protection in the case of fraud. I'm less impressed with the cash advance fee, however... $15 or 5% seems excessive, in my opinion, but as I'm not very familiar with cards that allow this it's possible this is actually standard. To summarize, this card offers enough features and perks that the very few negatives it has are pretty much made up for and I think this would be an excellent choice for anyone that qualifies for it.
The Priceline Credit Card seems to be more attractive to me than other cards I'm familiar with. The rewards program seems much more generous, apparently allowing you to use your points on anything that you've purchased with the card. The detractors to the card, to me, are the lack of an introductory APR and the fact that the cash advance APR is significantly higher than even the highest "regular" interest rate that the card offers, even if that rate is only two percent lower than the penalty APR. I think that with the credit market as tight as it is this card could do better in trying to lure customers with excellent credit scores to use their card.
I think the RCI Credit Card doesn't offer much to make it stand out from other credit offerings. The main thing that I don't like about the card is that the usage of rewards points seems very restrictive; the description of the card lists only three merchants that you can use your points with, and to me that's a huge factor against the card. I also think that the cash advance rate is higher than really necessary, falling only two points shy of the maximum penalty APR. These factors would make me seriously consider whether or not this card would be worth using, given the other rewards and terms offered by other credit card companies.
The Sportsman's Warehouse Credit Card appears fairly standard to me... the grace period seems to be in line with what other cards offer and the late fee seems to be par with other cards. The rewards system favors the merchant who issued the card, offering more points per dollar spent at their location as opposed to one dollar per point at others. The interest rate is also on par with other cards. The one thing that I think detracts from the value of the card is the lack of balance transfers and the lack of a lower introductory rate; these two things could be a factor in deciding between this card and another.
This line of credit wasn't something I realized I had until I happened to look at my Sam's Club card one day and saw the account number on the bottom. At first I was a bit upset that a line of credit had been opened for me without me really being aware of it, but once I started using it I really stopped caring. We do quite a bit of shopping at both Walmart and Sam's and we're able to use this card at both places. We get most of our groceries at Sam's and Walmart, charge them on the card and pay it off a few days later. It helps us maintain a credit history and has come in handy when we realized one of our vehicles needed all four tires replaced.
I've made mistakes in the past with my credit and it's made it very difficult for me to get traditional cards. In an effort to rebuild my credit I obtained this card a few months ago and have been very happy with it. There's nothing on the design of the card to indicate that it's a secured card so I'm not embarrassed to use it. The few times I've had to call Capital One with questions they've always been very professional and friendly and, I believe, they treat me with the same courtesy as their customers with "traditional" cards. When all is said and done, I wish I could qualify for a regular card but until my credit is rebuilt this is the best alternative.