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I recently opened an account with my daughter at Chase. It is a joint savings account and I am pretty happy with them overall. In all honesty, for me, the best thing about Chase is that they are literally all over NY, which is where I work. I work at different job locations, so if I ever need to get to a bank, I never panic because it seems like there is a Chase branch in every neighborhood, not to mention the ATM access at Duane Reade drug stores, which also comes in handy for me. In terms of the actual account, my interest rate isn't great, but I don't think any bank has great interest offers right now anyway. In terms of customer service, I think Chase is great. I only had one problem and Chase fixed it immediately. I am so satisfied with Chase that I am in the process of moving my accounts from other banks, and even a credit union into Chase because I feel that the other banks are taking advantage of their customers with ridiculous fees and rules. Chase doesn't do that, which is why I trust them with my money. I would recommend Chase bank to anyone that wants their money in a secure and customer friendly establishment.
I signed up for a staples card when I started my teaching job over ten years ago. I cannot count the ways in how handy this Staples card has been for me. I use this card a lot at the beginning of each school year to get the supplies I need for the year. I also use this card when I buy my daughters school supplies and to buy supplies and make copies for my small catering business as well.The absolute best feature about this card is the 5% back rewards on purchases. This bonus makes me feel like I truly am getting a deal whenever I use this card, which is a lot. I use this card both online and in the store and have never had any problem with it. I also get coupons throughout the year for being a card holder. My only issue with the card itself is that I have a high interest rate. I find for a store card, the interest rate is a little higher than others. Their late fee is also a little higher than others. Overall, this is a good card to have if you have a business or are in the education field. Staples offers such a variety of services that having a store card would be useful.
I have had a BJ's card for a few years now. I decided to get it because I was just starting my catering business and I needed to buy supplies and ingredients in bulk. I couldn't always afford to make such large purchases, so the BJ's card always came in handy. One of the best features about the BJ's card is that you do earn points on every dollar you spend. Because this is a Visa card, you accumulate points even when you shop at places other than BJ's. When you get to a certain amount of points, between 3000 and 5000, you get a BJ's gift certificate. This always comes in handy. Even though the card does have your BJ's membership number on it, it can be used anywhere that takes Visa too. I would not recommend this card to anyone that does not shop at BJ's because then the incentives are useless. Overall, my interest rates aren't too high with this card and I can honestly say that I've never had any problems with the card. I did once call customer service for something and I was treated very nicely and did not have to wait very long for a representative. I would recommend this card to anyone who does shop at BJ's. The rewards are a great incentive and it is very easy meet the points goals if you are a regular shopper at BJ's because they double the points you earn if you shop there. This is a great credit card to have!
I have been a Sovereign checking account holder for many years, since it was called Independence Bank. I really do not appreciate how their checking works and I plan on switching from them again. First of all, they charge a maintenance fee of $3.00 (it was originally $5 but I got them to go down) every month because I don't have $10,000 in the account and because I don't use their direct deposit. I think any maintenance fee is ridiculous and they couldn't even justify it. The other thing with their checking is that no interest accrues on a basic account. If you want interest, you need to upgrade. Another problem with the checking account is that if you have a debit card linked to your checking account, they charge a lot in fees for using out of network ATM's and even for making transfers using your debit card. I avoid this by using my branch ATM or I try to find a CVS location because they have Sovereign ATM's that have no fees. The only positive thing I will say is that the online checking is really accurate and thorough. I had some fraudulent charges to my checking account and I didn't have to wait very long to get the situation remedied. They are always nice on the phone and even at the branches. I also like that I can get my cleared checks in PDF format through their online system. Overall, Sovereign's online checking system is not enough to redeem them from giving them a recommendation. I would suggest people look elsewhere for a checking account. They have a lot of fees that credit unions and other banks do not have.
I just recently joined Progressive Credit Union after a friend told me that they were good and she referred me. I was quite pleased with my transition to Progressive Credit Union. The representatives were extremely helpful and kind to me as I opened my accounts and were really good about giving me advice. The people at Progressive were the nicest and most helpful out of all of the other banks and credit unions I have dealt with. In order to open an account with Progressive Credit Union, you need to be referred by a member. All I had to do was go into a branch with my friend who is a member and I was able to open my accounts. Since I was transferring money from another account, I had a lot of money on me, but you only need $10 or $20 to open an account. The interest rates aren't the greatest, but there is no minimum balance and there aren't a lot of ATM fees, which is the best thing. Progressive Credit Union also offers different kinds of accounts that you can open without much hassle. I was able to open a custodial account very easily with Progressive Credit Union. When I did this with my bank it was complicated and took forever. I would recommend Progressive Credit Union for multiple accounts. Their online banking system is easy to use and understand. Making a transfer or checking your balance can all be done through their online system. Overall, I would recommend Progressive Credit Union to anyone who is looking to join a credit union. They are very welcoming and really very nice to their customers, which is something that other institutions do not have.
I love my amazon store credit card. I applied for it when it was suggested to me on an order I was placing. They said if I get the card, I would get $10 off. I gave it a shot and was given instant approval and the $10 off my order. I can only use the Amazon Store Card on Amazon.com, which is good for me because I can only spend the money on Amazon and not rack up a balance on any other site. I am pleased with the interest rate, but the best of all is the financing options. Financing is always good, but they offer it for six or twelve months depending on how much you spend. Another great thing about the Amazon store card is the customer service. There are representatives available at any time of day and they are also really nice. I have never had a problem with them and don't mind dealing with them when I need to. The card you receive is not a real plastic card though, it's a paper card with a number on it. It can be stored on your amazon account, but I don't suggest throwing it out, because you may need to use the number in the future. Overall, the Amazon Store card is great to have if you shop on Amazon.com, a shopping site that sells everything. This card would benefit any amazon shopper.
The Nordstrom credit card seems to be a decent card for people who regularly shop at Nordstrom. The best perk of having this card is the point system, that eventually gets the card holder a $20 gift card after they have earned 2000 points (or spent roughly $1000 to $2000). This card is also a VISA card, which means that it can be used wherever VISA is accepted. This card seems to have the same terms as another card I have, the GAP card. The idea about having the points is the same, although GAP gives points for every $50 you spend. The negative aspects about both the Nodstrom card and the GAP card are that if you have bad credit or if you make a late payment, you will have a very high interest rate. Overall, I would only recommend getting the Nodstrom card if you shop there regularly. Otherwise, it serves no purpose for you.
My husband and I decided to switch our car insurance over to Geico after having significant issues with another insurance company. We chose Geico because we always see the commercials and we started to think that maybe we could save a lot more by switching over to them. We called Geico and explained our situation and they helped us transfer over all of the information. They were very helpful. We ended up saving a considerable amount per month because we told them that we were shopping around and they kept lowering our rate, which was great. The plan we have is very good and they told us we can change it any time we want to by calling them. Luckily, we haven't had to use the insurance yet, but I am confident that they will deliver on what they promise. The customer service at Geico is very good. The phone staff is very friendly and supportive. They are willing to give you their time and want to resolve any issues you have. Their website is also very good. It makes managing your insurance very easy and they also have an app for certain phones, which is also very good. I would say that I am very pleased with Geico as my auto insurance, even though I've only been with them for a short while. They have impressed me so far.
I signed up for a Kohl's card when a new store location opened by my house. I am very happy with this card. I do not have a very high limit, but that is fine by me because Kohl's is not very expensive and I can get a lot there for a little amount of money. One of the biggest benefits of being a cardholder is the discounts that you can get in the store or online. There have been several times when I have gone to Kohl's and the cashier gives me a scratch off promotion for 10% , 20% or 30% off my entire purchase just for paying with my Kohls card. That comes in handy. There is no fee for this card, and the interest rates aren't very high. My one bone to pick with them is that their credit card account web page gives me a problem sometimes. I couldn't pay online for two months because there was some online glitch for certain customers. Overall, their customer service at the store and on the phone is very good. They have always been polite and quick to resolve any issues I had. I think that if you shop at Kohl's a lot, then you should apply for this card because it will come in very handy for you.
I signed up for a Toys R Us and Babies R Us card when I was pregnant with my first child. I figured that I would be needing a lot of supplies such as a crib, pack and play, walkers, plus I was going to need diapers, wipes and formula on a regular basis. Where I live, Babies R Us and Toys R Us have those items for the best prices. I was approved on the spot and was able to get 10% off my purchases that day, which was great. I think this is a great card because of the rewards. If you have a baby and are buying those necessary items, the rewards pile up pretty quickly and they come in very handy. I have also received exclusive coupons for money off diapers and wipes; those are like gold. This card also comes in handy during the holidays. As my daughter got older and she no longer needed diapers and baby stuff, my balance was paid off quickly and I was able to use the card to buy some Christmas gifts for her. Overall, I really like having this card. It has come in very handy for myself and my family. The reward/points system is great and they have very good customer service. I would recommend this card to anyone who has children.
I have a target card and I love it. I applied in the store and was approved on the spot and was given a temporary card. I was also given a coupon for 10% off my next purchase, which I was also able to use online. Target is a good card to have for me because of all of the things they sell in the stores, like groceries, baby supplies, and household items. I have been low on cash and needed emergency items, so I go to Target and use my card. The best part about having the card is the five percent discount at Target stores and Target online purchases. This card really comes in handy for me and my family. I have never had a problem with my bills or with customer service. The people on the phones are always polite and kind and are willing to help, which is nice. I would recommend this card to anyone who shops at Target on a regular basis.
I have had a Macy's card for quite some time. I have to say that it is one of the best credit cards that I have. While I don't think the interest rate is great, it is common for store issued credit cards to have a slightly higher interest rate. I just try and pay the entire bill each month that way I don't have to suffer with the interest. Being a Macy's card holder has its perks. One of them being that we sometimes get card holder only sales and discounts. I really HATE the way Macy's does its sales, so being able to have 15% off your order or off of a particular item for just being a card holder is a benefit. I also appreciate the level of security being a Macy's card holder has given me. I once placed an order and had it stopped because the phone number I entered on the site did not match the one on my account. I called them and I explained that I gave my new number and they put the order though. It was well worth the hassle because I know that they protect their card holders from identity theft. Overall, I am pleased with this card and would recommend it to others.
I have had a checking account at Sovereign bank since it was known as Independence bank. I have since started the process of moving all of my money into credit unions because Sovereign is awful. I had a checking account that had over five transfers on it in one month, and they charged me a fee of $5.00 for having too many transfers. Then, out of nowhere, I had an overdraft because the bank started to deduct a $3 fee for every month that I did not have a least $5000 in my checking account. I called them and asked them why my âtruly free checking accountâ was now being charged a fee. They told me that times are changing and they need charge a fee to keep themselves in business. This made me sick and I vowed to have all my money out of Sovereign by the end of the year. In addition to the bank in general, the branch workers are horrible. They stand and talk to one another but they do not ever help. The lines are always long and they never really help solve any problems I have had. I really dislike this bank and do not recommend it to anyone.
Discover has always been a reputable card to have. I have had the card for several years now and find that the only drawback is that it is not always accepted in stores and with some online retailers. When I signed on to get the card, the offer was 0% interest for six months and that was great because I was trying to pay my bill off every month, and this allowed me to do that because I wasn't paying interest on top of my purchases. I was also pleased with Discover when they noticed some "abnormal" activity on my card. They stopped authorization of my card until I called them. This happened to me when I was doing a lot of shopping out of state and they declined the card and told the merchant to have me call them. I did right from the store and they put the purchase through because they wanted to make sure I was using my card and that nobody else had stolen it. Overall, I like discover and they seem to be the one credit card company I don't really have complaints with.
This card has really come in handy for myself and my family. I signed up for this card just to see if I would even be approved and was shocked to see that they approved me. I wasn't too happy about the annual fee. but I have grown to accept it because of the miles that I have gotten out of the card. The only downside is that AMEX is not always accepted everywhere. What I have learned to do is if I want to purchase an item using the card, I call or go on the website before I count on using the card. I also find that AMEX has fantastic customer service and they are really nice to you when you call them and ask for something. I had a problem a few months back that other credit card companies didn't really help me with, but AMEX did. I really like this card and the perks associated with it.
This was one of the first credit cards I ever had and I did like it. I always found Bank of America to be reasonable and fair. I was, however, very angry at them because after being a loyal customer for so long, they felt it necessary to give me an annual fee of. $39.99 for no reason. They just told me that the only way to avoid the fee was to cancel the card. To make matters worse, I had sent in a significantly large payment and after receiving it, they cut my credit down by 25%, again offering me no reason why when I asked. I do still have the card and they did manage to do one thing that showed me that Bank of America isn't totally heartless. I live in New York and was effected by Hurricane Sandy. When I went to pay my bill last month and I had no payment due. I called them and they told me that they waived all payments for people in the areas that Sandy hit. I thought that was really nice of them. Overall, the BOA cash rewards card is a decent credit card and the rewards are good when you get them. I would recommend the card to someone even though I had some problems with BOA.
I have been using Hanover Insurance for a while now. I switched to Hanover after I had some problems with my old insurance company. I have to admit I am happy with Hanover. It is a little more expensive than other insurances, but I also think that they provide better coverage. I live in New York and went through Hurricane Sandy. My house had considerable damage and my basement was destroyed. I was very lucky though because I was the first person on my block to have a claims adjustor come and do an assessment. He saw everything in the absolute worst condition and I was able to start fixing it up because they came so fast. Even before Sandy my house had sustained some damage when a water main broke and flooded my walkway and driveway. They responded immediately then as well. Hanover has very good customer service and they even have an online claims form, which is really good. If you are willing to pay extra for homeowners insurance, I would suggest going with Hanover because they are good and have very good plans.
I absolutely love Navy Federal. It is truly one of the best credit unions I have ever dealt with and it blows all banks away. The downside of Navy Federal is that it is only open to military members and their family, so not everyone can use it. One of the best features of this credit union is that I always get my direct deposit about a day early and also had a car loan through them that allowed me to make reasonable monthly payments at a reasonable interest rate. Other banks do not treat their patrons this way. Another great thing about Navy Federal is that the customer service at Navy Federal is outstanding. I have been to the branches in New York, New Mexico and Florida and the people that work at each branch are fantastic. The best customer service I have encountered has been at Navy Federal. I would recommend any service man or woman to join this wonderful credit union.
I signed up for a gap credit card ten years ago. I have been a good customer. I always pay on time and do not go over the limit. I had to make some major purchases on the card over the past few years and my balance has gone up, and my minimum monthly payment is about $170.00. For some unknown reason, my minimum payment has gone down dramatically, to about $105 a month. I called them and asked why this happened, and they said it went down because I made returns at the store. That made sense, but then each month, the bill was low. I called them again today, to see why my bill was so low, and NOBODY could give me an answer. They said "a computer calculates your bill." Yet, I am sure that if I miss a payment or pay less than the minimum, they won't need to rely on their computers to figure that out. I found it so off putting that not even the supervisor could tell me why my bill had gone down (I charge on the card regularly, I only pay the minimum and my balance has gone UP, so my payments should go up or remain the same). I have decided to get rid of the card and shop someone else. I don't trust the bank that backs this card (GE Money) because I am sure they will see the mistake at some point and demand $500 minimum payments from me. The interest rates are also too high on this card. My recommendation is to not do what I did, sign up for the initial discount. You will regret dealing with this unprofessional company.
I have had Allstate car insurance for over 10 years. I live in New York and my car was seriously damaged in Hurricane Sandy. A tree had fallen across the street from my house and basically landed on my windshield. The entire window was shattered and there was significant water damage. After hearing horror stories about other insurance companies taking advantage during the hurricane, I have to admit I was scared about what Allstate was going to tell me. I am happy to report that my comprehensive coverage covered any damage my car received in the storm. Luckily, I was able to repair my car and have the water damage taken care of thanks to Allstate. I am happy to have chosen this insurance company and would gladly recommend it to anyone who is looking for a good, fair and reasonable auto insurer.
I have been a Capital One customer for a while and have always felt that their credit cards are the best to have because they are easy to manage and have the best customer incentives. I applied for this Cash Rewards card a few months ago and have been pleased ever since. I love the fact that there is no annual fee and that $100.00 bonus (after spending $500.00) was a great sign on deal. For me, the absolute best part of this card was being able to have 0% APR for about a year. That is great for me because I really hate paying such high interest. Having 0% APR encourages me to try and pay off my balance before the promotion runs out. Ultimately, I probably rely on this card a little more than I should, but it has such great perks that I don't really ever feel guilty about it. I would gladly recommend this card to anyone who is in the market for a credit card.
I decided to turn to a credit union after my bank started charging more ridiculous fees for what seemed like very bad service. I turned to People's Alliance FCU because it was the credit union that my job offered. I had not dealt with a credit union before and I must say that I was pleasantly surprised by People's Alliance. This credit union had very helpful representatives. They were patient and kind. They really helped me make the adjustment from bank to credit union easy and I appreciate that. When I go to a branch, the workers are always pleasant and nice. The advisers here are better than any of the advisers I worked with at my major bank. They want to help you with your finances and really seem to look out for the customer rather than themselves. I would recommend this credit union to anyone who was interested in choosing one.
I have been a Chase customer for quite some time, and I have held different cards over time. I had signed up for this particular card just after I had some settlements with another bank on other cards. I was approved and given a $1000.00 credit limit. I wanted to work on getting my credit score up, so I tried to be very responsible with this card. I did tried to take advantage of any cash back offers and points that I was given, unfortunately, for some reason, I was making what I thought were 'smart' choices, only to find out that many of my purchases didn't qualify for points or cash back because I didn't use certain merchants or use my credit in the right category. Chase was not too kind in dealing with my issue and did nothing to remedy the situation for me. As a result of my bad experience, I decided to give the card a rest and try to not use it unless I absolutely had to. So, after about six months or so, I had to use it to get my car fixed, and I was rejected. I couldn't understand why since I had no balance. I called Chase and they told me that due to inactivity, my credit limit had been reduced and that at that time I did not qualify for an increase, for reasons they did not give to me. Ultimately, I cut the card up. It was not worth it to me to keep the card even though I was working on my credit. I ended up further hurting my credit score a little by closing the account on my behalf, but I am glad that I did it.