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Jeff provides a personal level of service unsurpassed in insurance agents. If you're searching for a policy, Jeff can get you a personalized quote in minutes, if you're on a budget, he'll take the time to find you an excellent plan that is within it. I was a former GEICO customer and when I was ready for a change, Jeff not only found me a lower insurance rate, but also one with BETTER coverage. I can't imagine doing insurance business with anyone else. Before he did our car insurance, he was also our homeowners agent, and the process was just as simple with him then. We will never use another insurance agent.
The Priceline Credit Card looks like it could be an excellent choice for people who travel and use Priceline to do so. Bonus points early on are generous, and points can be accrued quickly if you use the card to book for travel. I feel that someone who travels a lot on business might get a lot of use out of a card like this one. The APR is typical for a card like this and it has some flexibility in the form of statement credits. I'm not sure I would ever use this card, but it could be good for those who travel a lot on Priceline.
Fifth Third Essential Checking is a decent first checking account for first time checking account users. I was offered an excellent opportunity for no monthly fee for the first 12 months and when the 12 months were up, I simply switched checking accounts. Online access was great, as well as the mobile app, and I felt sure that my money was safe and always accessible. If you have $1500, the monthly fee is waived, so it wasn't too hard to keep it above that balance. There are no fancy rewards or anything like that, but for a very basic checking account, I found the Fifth Third Essential Checking to definitely be worth it.
As a frequent Express shopper, without the Express Store Card I felt like I was losing money each time I went to Express. Now I never leave home without it. The Express Store Card provides an excellent bonus and reward opportunity and points accumulate quickly. If you are a frequent Express shopper, then you need to get the Express Store Card. The APR isn't the best but just be responsible and pay off your card and bask in the rewards!
If you like Sony you will like this card. The card provides significant bonus point opportunities when using it for Sony purchases and even other purchases and offers generous bonus point opportunities. The rates aren't spectacular but decent and it would be great if it offered more cash back opportunity.
Unless you are spending thousands of dollars in NFL merchandise I am not sure why you would really need to use this card. The rates are high, the cash back poor...even at NFL.com and has a high threshold for award redemption. There are certainly better credit cards for your use.
Kemba Financial Credit Union is new to my banking experiences. I was applying for a car loan and wanted to get the best rate possible. When I went in to purchase my car, I had already obtained a car loan from my current bank, knowing that I wanted the opportunity to shop around and try to get a better rate. Kemba was the ONLY bank that was able to beat my current rate and did so with extraordinary speed and customer service. I was incredibly impressed by the way I was treated like I'd been a customer for many many years, rather than a very new member. I look forward to working with Kemba later as I look for other loans and financing options, and may even shift some of my money to them.
The Blue from American Express Credit Card is an ideal card for those that travel, accepted in so many countries, with decent rewards that can cover many of your travel costs with no annual fee. A solid intro rate and reasonable interest rate after the initial 15 months, Blue is a must have in the wallet of a busy traveler.
There are certainly pros and cons to the Citi Secured Credit Card. It does help new users of credit have a safe and easy way of establishing a credit history and borrowing for future major purchases. The APR isn't outstanding and the card is more of a debit card in a way than a pure credit card, but it prevents new borrowers from overspending. Great card for first time borrowers. Bad for established customers
This does not seem like a card I would be interested in. A $95 application fee plus a ton of annual and monthly fees? This seems like a card only for the most desperate to be given a line of credit. With virtual no rewards or cash back, this sounds like nothing more than a card intended to rack up a large amount of debt, and then get nickeled and dimed until you can pay it back. I have a bank credit card that was free, has no annual fee, a line of credit, and even some decent rewards. While it's nice to offer a helping hand to those who need credit, it seems like it's an overall bad deal.
The Chase Sapphire Card has a low APR, no annual fee, and has access to a ton of rewards. The bonus offer is completely reasonable for a card, and almost guarantees the $100 back in travel rewards. Additionally, it's really great that the points never expire, so you can accumulate and accumulate until you have enough rewards to get something really great. However, you do have to do the rewards through Chase and it's not entirely quick to accumulate the points without spending a lot. However, if you made this card your primary credit card, you could really accumulate these points quickly.
The Target Store is a must for a frequent Target shopper or consumer. 5% off each time you shop at Target may not be a big deal, but think about it as basically shopping sales tax free each time you shop. That alone can save a lot of money over the life of the card. Additionally, with free shipping at Target.com, you're looking a lot of benefits over a rather basic card. The APR isn't outrageous compared to some cards, and if you remember to pay it off, the benefits are even better. Basically, if you just shop at Target even sometimes, this card is going to be worth your while
The Shell Credit Card offers the ability to get rewards like 10 cents off per gallon if you spend $500 on one billing cycle. This reward seems a little outlandish. Alternatively, I can spend $100 at my local grocery store in a month without a credit card and get the same discount on gas. With a max earn of 20 cents per gallon and a rather high APR, you're looking at, really, saving $20 per month, and that's only if you put $1000 on the card and use 100 gallons of gas a month. In my personal opinion, this doesn't seem worth it.
The Victoria's Secret Store Card has rather high regular APR rate, but if you pay off your credit card bill frequently, it shouldn't be a huge issue. The rate at which you accumulate awards is reasonable, though a lower level, such as $200 would be more appealing. However, it looks like it has other benefits such as discounts, access to special sales, and anniversary/birthday items, which could be a beneficial draw. It also has an offer for tiers that open up more benefits, which could be interesting. Overall, I feel like if you were a frequent shopper at Victoria's Secret, this store card could be a good one.
This credit card has a rather high interest rate, but since I pay off my credit cards right away, it wouldn't be a huge deterrent to using it. Essentially getting $10 for every $200 you spend seems like a reasonable reward rate, though I prefer cards where you don't necessarily have to accumulate a full point total to redeem a single gift card. Also, it would be nice to have a more consistent discount at Banana Republic, rather than just simply the Gap affiliated stores. Overall, I doubt I would get this credit card because I don't shop that frequently at Banana Republic and honestly, the rewards aren't THAT great.
We used April through Fifth Third when we were buying our first home through Fifth Third a few years ago. The process could not have been easier. April had us pre-approved the same day. She was constantly in touch with us throughout the buying process and was exceedingly helpful whenever we had questions. She followed up whenever issues arose. She even showed up to our closing just because she likes to see the fruits of her labor. Put simply, when we buy another house, we will absolutely being calling April. She made the mortgage process as simple as it could possibly be.
Liberty Mutual has been our home insurance provider for a little over two years. Their help and efficiency during our home buying process was simple and easy, they reached out to our home lender to ensure that all materials were received by closing. The rates and coverage were both outstanding. My insurance agent is simply a phone call or an email away. At this time, I've never had to file a homeowners claim, but I have little doubt that Liberty Mutual will be efficient and professional, should the time come. But no matter what happens, it's great to know that my home is covered in case of catastrophe and I highly recommend Liberty Mutual.
GEICO provides all forms of coverage at very affordable prices. I switched to GEICO a few years ago and saved 'more' than the 15% they typically advertise. The process was incredibly easy, the quote was right on the money, and I've actually seen rate decreases ever since I signed up with GEICO. I've never had to file a claim with GEICO, so I can't attest specifically to their service in that area, but anytime I've had a question about coverage or my policy, their customer service was always quick and efficient. Their online service center is excellent to get insurance cards, update quotes, gain new coverage, etc. I would highly recommend GEICO to anyone looking for affordable coverage.
The Macy's store credit, while carrying a high interest rate, does provide a lot of benefits to the cardholder. Namely--the number of store discounts and events where cardholders can get a significant amount of money off their purchase by using their Macy's store credit card. The credit limit is reasonable, but with it's high interest rate, the Macy's card is not simething I would want to regularly carry a balance on. For those who regularly shop at Macy's (especially sale-shopping at Macy's), it can be an added bonus on some great deals throughout the year. Macy's employees have the added advantage of getting discounts EVERY time they use their Macy's store card, in addition to added discounts during sales for the general public.
As a frequent Amazon shopper, the Amazon Rewards Credit Card by Chase offers me the opportunity to turn my shopping on Amazon into more points. With a 3 points per dollar rewards for products purchased on Amazon, for every $33 I spend, I'm getting a dollar back to use on Amazon. And the best part? There's no 'threshold' to redeem my points. With rising gas prices, I felt like I might as well get money back where I can, so I put all my gas and restaurant expenditures on my card, to get even more money. For Amazon Prime users and Kindle Fire owners, it's a cinch, just link the card to your accounts and get easy 1-click access to your card. Definitely, definitely recommend this card.