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I like the Discover It card, because besides the Citi cards there wasn’t much else out there for 18 month balance transfers. They do charge 3% flat fee for balance transfers, but that seems to be standard. I did have to call in because I had a question, and was surprised that an actual human answered the phone and I did not have to wait long to get a hold of someone, and from that perspective seems to be different from some of the other cards I have. They do have the cash back like the other Discover cards do, with the rotating categories which can be nice if you shop a lot in those categories. Overall a good card, with great customer service.
Overall, I am pleased with Allied. I never had any claims so I cannot attest to their claims service, however, any questions I had in regard to my policy were answered in a timely manner. I always received my renewal information in a timely manner as well. I do recall calling in to get some optional liability limits quoted, and it was done very quickly. I also lost my auto ID card somehow, and they were able to mail me one promptly, at no charge. Overall, I was happy with them, but ended up switching to another company to get a lower rate. I would definitely use them again if they were a bit more competitive.
I do my investments through Charles Schwab bank. I mainly do anything I need online which I really like. I don't generally have questions, although I had in the past, and they are easy to talk to and respond quickly. I feel that they have guided me in the right direction to suit my investment needs. The few times I have talked to them, I haven't felt intimidated or anything. They are easy to talk to. They also have many calculators available online so I can see if I am on track. Overall, my experience has been great. I've been with them for 5 years and plan to stay with them for a long time.
I use my Citi Simplicity card for the balance transfer offers. When I originally signed up, I got 0% interest for 18 months with a 3% balance transfer fee. I saved hundreds by using the money to pay off my home improvement loan. Right now it seems they have less and less balance transfer offers. Luckily, they are still at 3% for the balance transfer fee, because one of my other Citi cards went to 4%. The offers are usually for about 12 months no interest, which they usually have offers for 15 months no interest. I also like the Citi Deals, it seems the “Daily Deal” is actually a really good deal and stuff I would want to buy. Overall, I am happy with my card and will continue to take advantage of their balance transfer offers for a cheap source of cash.
I've had my car insurance with State Farm for 4 years now. When I switched over to them, I wanted different limits and options quoted. My State Farm agent was very quick to respond to me (within hours), and answered my questions in a way that I could understand. I can do almost anything I need to do via the State Farm website, in terms of questions or getting policy info. It is very user friendly. We had a small car accident with one of our cars, and my agent was very easy to deal with and got the claim paid quickly. Overall, I've had a great experience with them and I plan to stay with them for the time being.
I used to use this card all the time because of the balance transfers. They used to have balance transfer offers one after another, with terms better than most in the industry. I would use the money to pay off higher interest debt. They would charge 3% fee plus 0% interest, generally for 12-18 months. Now within the last few months I have seen less offers from them (and my credit score is the same, I monitor my score) and for shorter amounts of time, usually 6-12 months. They even had one offer that was charging 4% for the fee. I am not sure if the market is changing, or what is going on, but I am not sure if I will be using them much anymore if they do start charging 4% for a balance transfer and for a shorter amount of time. They were my “go to” for an easy balance transfer, but not so sure anymore.
I went with Collins Community Credit Union for my car loan because they gave me the best rate compared with any other credit union and had the most favorable terms. I got my car at a dealer so the application process was done there. It was very easy and painless, and they were even ok with me not wanting to give a down payment. After I got my welcome packet in the mail, I wanted to enroll in my account online in order to have easier access to my loan. They make you call in for a specialized PIN in order to enroll (for added security). They picked up on the first ring which was great. After I got enrolled, I was unsure which address to mail my car payment to. I used their online chat feature, instead of calling in, to find out what address to send it to. Someone responded to my question within 30 seconds which was very surprising in a good way. One thing I don't like is you cannot set up an automatic payment from a non-CCCU account in order to pay your bills. Overall, it was an easy and great experience. I will be using them again in the future for other services.
I like this credit card because of the rewards structure- 3% cash back for gas, 2% for groceries, and 1% for everything else. The one drawback is the 3% and 2% cash back is capped at $1500 in spending. After that you get just 1% cash back. They do have a new “Cash Back Deals” option, which usually has about 5 or so different places you can earn extra cash back. You must go in and select the deals individually though, and then you just make a purchase using the card and it will give you the bonus. They do generally have a balance transfer promotions available, but their fee is usually 4% which is higher than some cards. Another thing that makes them stand out to other cards I have is the “Portfolio” option. You can enter all your other credit cards or banking accounts and it will keep track of when those bills are do and also calculate your net worth. Overall, it is a good card and I use it weekly.
I switched to Linn Area back in 2010 and I could not be happier. Not only do I get 3% interest on my High Yield Checking account, but I also get all my ATM fees refunded at the end of the month. I no longer have to worry about finding an ATM. On top of that, I got a great rate on my auto loan. The auto loan was processed easily and every time I had a question I would email them and they would email me back almost immediately with an answer. The application process was quick and easy. They also told me that since I had one loan on file with them, that they would not have to pull my credit report ever again if I ever needed any other type of loan (besides a mortgage). So when it came time to get a home improvement loan, I only had to fill out minimal paper work and the whole process was extremely easy. I don't think I ever had to wait more than an hour when I emailed them a question! I also have my Health Savings account with them, which offers a competitive interest rate and flexibility for deposits. It has been great dealing with Linn Area, so I will stick with them for a long time!
There is one thing that stands out for me about the Chase Slate card- no balance transfer fees if you transfer within 30 days! This is basically free money! The 0% interest on balance transfers is pretty common, but I have not seen a $0 balance transfer fee in a long time. I am definitely capitalizing on this. One thing I did not like, is that I did not get approved right away for the card. They had to further review my application. I have excellent credit and have never had this happen on a credit card application. They did give me a decent enough limit though so I can really take advantage of the no fee balance transfer.
My Citi Platinum Preferred card is one of my favorite balance transfer cards that I have. They always have the best balance transfer offers, which it seems they have new offers every month. It seems lately if you open a new card with them they are for 18 months no interest, but when I opened my card last year it was 21 months no interest. Of all the cards with balance transfer offers, it was the best one available. I now receive about 2 balance transfer offers a month, and they are generally no interest for about 13-14 months. I like the “Extra Cash from Citi” concept as a rewards program, too. The daily deals for that are actually really good deals from what I’ve seen. Overall, a good card, especially if you need to transfer some balances to take advantage of the low interest rate!
One thing that I like most about my Discover More card is that I can use the rewards I earn to go towards purchases on Amazon.com. There is no minimum amount of reward you can use towards your purchase, so you can put your rewards to work immediately. One other thing I like about the rewards program is that they seem to have higher cash back percentages than the other cards I have. I get 15% cash back at Petco.com, which is great for buying all my dog food. There rewards program does definitely stand out to me. One thing I do not like about the rewards program, is that some purchases only earn.25% interest. Most of my other rewards cards are just 1%, no matter what. The rotating categories are nice, although most of my other cards do the same. I like that I will get 5% cash back on gas this summer when gas prices go up! I would recommend this card to anyone who likes shopping on Amazon.com, and who does a lot of online shopping with the retailers that pay decent cash back thru Discover.
I have the Chase Freedom Visa. It was one of my first credit cards and I’ve been a member since 2007. It is one of my favorite credit cards because I get 1% cash back on ALL purchases. I have the Discover More card, and that one sometimes pays.25% on purchases. Also, Chase increases my credit limit pretty regularly which I like. One thing I don’t like is that they never have any good balance transfer offers for me. It seems Citi and Discover offer them more frequently to me. Recently, Chase changed the minimum payout for cash rewards from $25 to $20. This is a definite plus for me, since I can now cash out monthly.