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Unfortunately since this card is not available I am unable to recommend it, but based on what it offers it is virtually useless - yet it still has an annual fee. The penalty for making a late payment is also very steep - one would have to be careful on this. I would only consider a card like this is if you could find a a good use for it that'll take advantage of its annual fees - but I see none. Really the best credit cards on the market are the ones offered by the major banks like Chase, American Express, Citi, Discover, etc. With incredible sign-up bonuses, these can't be beat.
The Chase Saphire Preferred Credit Card is a beautiful credit card that is made out of a combination of metal and plastic. I've had this card for a while and find it to be an excellent card with great benefits. The bonus of 40,000 points redeemable for a statement credit of up to $500 is a huge win, but I would rather transfer these points to united airlines where I could make these points worth more than $1000. The annual fee of $95 is nothing compared to the benefits you receive (covers 5 years of annual fees), and if you really don't want to pay it you can just downgrade your account to the regular sapphire card and pay no fees. This card has benefits similar to that of most American Express cards who has very high customer satisfaction. Unfortunately, I have not been able to use any of these benefits so I don't know how well that they handle the situations but I'm sure they do just fine.
The British Airways Visa Signature Card is a very attractive card with a nice bonus of 50,000 Avios after $2000.00 in purchases within the first three months. The value of the British Airways Avios are at least 1.5 cents which is the equivalent of receiving a bonus of $750 for signing up! You also earn a total of 1.25 miles per dollar spent on anything which overall trumps most other airline credit cards like Delta, United or US Airways. Lastly, if you’re a big spender and spend more than $30,000 per year you’ll receive a travel together ticket making this card a steal for anyone who likes to travel!
It’s always great to see credit cards like this around to allow those who need to build credit a chance when they get denied at all corners. In order to avoid a fee of 2.95 per month, you must make a deposit of at least $100 on that month which is reasonable but tedious. I think that credit is something that you shouldn’t have to worry about so much. I still think that the best credit card to own for people with minimal credit is the secured card by Capital One. Although their card has an annual fee, it is waived on the first year. One year should be enough for you to establish enough credit to get accepted by another lender and cancel your capital one card – essentially paying no fees with nothing to worry about.
Bank of Hawaii was the first place that I went to when I got my first checking account, after getting my first pay check. It was a great starting point and I do not regret it, but knowing what I know now, I could have found a better place such as a credit union. Getting a checking account over here was easy. It just took a couple of minutes and I was in. The location was convenient, and service was always really quick. My problem with banks in general, or Bank of Hawaii, is that the benefits of having a checking account are virtually nonexistent. I feel like it's just a place to hold your money that comes with a debit card to use anywhere. This was definitely a great starting point for me, but given my needs I should have tried a credit union first.
My experience with Progressive auto insurance is greater than that of Hawaii's local insurance company, Farmers Insurance. This was a surprise when I switched from Farmers to Progressive. I was even more surprised by the discount I received for insuring multiple vehicles. At this point, there was no one on the market to compete with it. I even found paying for the insurance in full was extremely cheap in comparison as well. Price-wise, Progressive just kept getting better. I just hope they will be this great when I am in a time of need. Insurance pricing always varies from company to company especially with varying driving records. For me Progressive worked out to be the cheapest. I always recommend that you try others before buying.
When I got my first motorcycle I turned to Geico and Progressive for insurance and got hit with prices around $600-800 per year, which is pretty decent compared to a car. A few months later I discovered Farmers Insurance here in Oahu and instantly tried to get a quote. My first attempt online led me to having to call a motorcycle specialist over the phone to get my premium. I've never had to do this with Geico or Progressive since they would provide me with my premiums instantly. However, when I got my quote I found that it was well worth it. It costed me just over $300.00 per year for the exact same premiums. I was amazed. It was still a little bit of a hassle but worth the money.
I was previously a member of Bank of Hawaii and as soon as I found out about the extremely low interest rates for car loans and personal loans I was sold. The interest rates that I was provided with were 2% lower than the ones Bank of Hawaii provided. The process of getting the loan was also very quick. Unlike a bank, they understand that sometimes getting your loan approved quickly is important. It took my loan 2 weeks to get approved at Bank of Hawaii but this credit union had provided me with my cash within just a few days. I’m a proud member.
This is a great credit card, especially for building your credit. If you have no credit you may not be able to get one, but if you do the cash back benefits are one of the best out there. After three months of using your card, you get $100.00 back so long you spent $500 or more during this time period. Can get it as a check, or towards your bill; Unlike some companies who only let you use the points for travelling, or gift cards, etc. The card also features 5% off on categories that change. Right now I’m enjoying 5% off of gas. This card is saving me about 5 bucks a month and for the next 2 more months. Great card.
I find the American Express card to be an excellent card. Unlike a credit card, it is required that you pay the full amount each month, but for people who do this anyways, this is a great card. The 15,000 bonus after spending $1500 in the first month is a great help, but the most amazing thing about this card is the benefits of being a Gold card member. To name some, they include roadside assistance, acceptance of returns that stores will no longer take, insurance when travelling using your American Express card and much more. Holding an American Express Gold Card in your wallet is much more than a credit card, it really does make you feel like you are a member or something.
When I was with Geico I found everything to be nice and efficient. Finding a quote online and setting up my insurance was a very easy process. The representatives were very helpful and useful. However, in terms of pricing I did not find Geico to be anywhere near the rates of Progressive for me. When I told the representative that I was going to switch to Progressive the representative was shocked and did what he could to keep me as a customer. Geico offers great and swift service; however, I'm not interested in paying extra (by the way, I have a clean driving record).
When the time came to apply for a loan after High School (I've only had a credit card for a few months), I turned to my bank with high hopes and confidence having had an active and good standing account for years – but I was quickly denied after a long application process. I was a member of this bank (Bank of Hawaii) for a few years since the beginning of High School so I was very disappointed. I then turned to a few other banks and then stumbled upon Hawaii USA Federal Credit Union (as my mother was a member). The Application process was incredibly fast. While my old bank told me that it would take a few weeks, Hawaii USA approved me within two days. When I was approved I felt as if the gentleman of Hawaii USA was giving me a chance – a chance that no other bank wanted to risk. He also told me that with membership come benefits. After I was approved I was told that I would be required to open an account. Having been loyal to Bank of Hawaii I decided to open an account just for the sake of the loan and nothing else. However, as they discussed the benefits of the account I was completely sold. They offered me things that Bank of Hawaii would never even dream of doing. The interest rates on my checking account trumped any savings account that I have ever seen. I instantly walked over to Bank of Hawaii and transferred my money over to Hawaii USA. I am now 21 and have had three loans from Hawaii USA - all which I am very pleased to say went smoothly, with extremely low interest rates. Every time I walk into Hawaii USA, I can't help but be thankful that I stumbled upon it.