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I’ve had Shelter for my auto insurance since I turned 16. My local agent does a great job of working for me to try and make sure I’m getting all of the discounts I’m entitled to. I’ve only ever had 1 claim for one of my vehicles and they made it almost painless. I didn’t like being forced to use their body shop for the repairs because it was inconvenient for me. Due to the small town I live in, I had to go far to get the estimate, drop it off, pick it up, etc. I understand their need to do this, but wish there was a better way. Recently, I’ve been considering changing to another company to get better rates, but I think the personal service I get is worth a little more money in premiums. If their rates increase though, it will become more attractive to switch.
I had an account with Simmons First National Bank for a couple of years when I was younger. I have had accounts with many different banks since then and still have several open accounts with others. Simmons was by far the worst bank I have ever used. They were very unfriendly any time I needed to have them check on something with my account, and their loan officers made you feel very bad about yourself. The bank overall felt like they wanted business accounts and could care less about individuals that didn’t have a lot of money because it wasn’t worth their time. I’d recommend finding a bank that appreciates personal accounts instead of just being treated like a hassle to deal with.
I’ve had a savings account with Navy Federal Credit Union for many years. I like to use this as my long term savings account because it is in an account I don’t have an easy way to withdraw my money from. The interest rates are fantastic and the few times I’ve needed to contact someone, they have been able to resolve my issues very quickly. If you are eligible to become a member of the credit union, don’t hesitate. It’s by far one of the best out there. Their rates for CDs are good, but I generally prefer more immediate access to my money in cases of emergency. I know I don’t get the return I would but feel it is worth it for the accessibility.
I got my first US Bank Checking account when I graduated from high school. My family used it to put my graduation gifts in. My parents wanted to do this so I could get a debit card and learn to be more responsible with my money, since up to that point I’d just cashed my paychecks. A few years ago, they added the monthly surcharge, and it was a bit expensive for the features that I got. I started using the account less and now mostly just use it as a savings account that I can make emergency purchases from if needed. I do this so my balance stays high enough to avoid the monthly fee. This works out because there aren’t many branches around me so I can’t go and take cash out as often forcing me to leave it alone.
In evaluating the Amazon.com Credit Card, the first thing I wanted to see was how useful the rewards would actually be. So many cards seem like they have a good rewards plan but when it comes time to use or redeem them. I use Amazon for a lot of my online purchasing, so this seemed like a good choice for a rewards card. The ability to reduce the price of your purchase makes the points very valuable to me. The interest rate isn’t that strong compared to some of the other cards, but the usefulness of the rewards outweighs this.
I’ve used the Best Buy Store Credit Card for a few major purchases over the years. It has come in handy when something important breaks and you don’t have time to shop around. I like the promo interest rates that you get when spending over a certain amount. The standard rate isn’t very attractive and there are really no other benefits to keeping this card.
I got this card because of it has a really good initial bonus, and I hate the idea of getting a reward credit card and having to spend for a very long time before seeing any kind of benefit. The interest rate is very reasonable and most importantly no annual fee. The card does require a pretty good credit score, so that might make it hard for some people to obtain it.
I’ve had a savings account with the Bank of the Ozarks since I was twelve years old. My grandparents took me to get it opened up using all of my savings and some extra they put in to get it started. They explained to me the importance of putting money in there and forgetting about it. That’s what I use this account for. I like their customer service and I don’t really use any of the checking account features. I have maintained my account here mostly due to sentimental value because there are a lot of other accounts out there that pay much better rates on your savings. I dislike making a special trip to the small bank, but this serves the purpose of keeping me from touching that money. I’d recommend them if you like a small bank atmosphere where they seem to actually care about their customers.
I’ve had Farmers for my auto insurance since I turned 16. My local agent does a great job of working for me to try and make sure I’m getting all of the discounts I’m entitled to. I’ve only ever had 1 claim for one of my vehicles and they made it almost painless. I didn’t like being forced to use their body shop for the repairs because it was inconvenient for me. Due to the small town I live in, I had to go far to get the estimate, drop it off, pick it up, etc. I understand their need to do this, but wish there was a better way. Recently, I’ve been considering changing to another company to get better rates, but I think the personal service I get is worth a little more money in premiums. If their rates increase though, it will become more attractive to switch.
I just applied for and got the Capital One Venture card about four months ago, and so far, I’ve been happy with it. It’s the first card I’ve ever seeked out because of a television ad. The bonus miles posted to my account quickly, which is nice to not have to fight to get what they promise. I likely wouldn’t have gotten the card if the Annual fee hadn’t been waived for the first year. I expect to actually be able to use the perks from this card as opposed to some of my old cards that were mostly worthless. The only thing I wish was that the Interest rates were a little more competitive in case I carry a balance for a few months. Otherwise, I’m very happy with the card.
I have had a Shell Credit Card for years. It is the one card that I don’t see myself getting rid of. There are a few expenses that you can’t avoid, so why not maximize your benefits and rewards while purchasing them? I used to struggle to know exactly how much I spent on gas every month because you don’t always fill up on the same day of the week and the prices constantly change, so I got this card to use just for gas purchases. The card can be used for all kinds of purchases but the biggest benefit from it was the bonus rewards for fuel purchases. I pay the card off every month and have a nice record of my fuel purchases. Their site is very easy to use and the one time I lost my card, they got me a replacement very quickly.
I’ve been a customer at the First National Bank of Fort Smith since I was 14. I worked summers bailing hay and was so excited to open my first account there. They helped me get my first loan and have always been extremely helpful with any loan I’ve had in the many years since. I’m glad their website was updated about a year or two ago. Previously, it was very outdated and hard to navigate. Their customer service is local and if you have to call back, a lot of time the person you talk with remembers talking to you. That’s much better than big branch banks where they only care about you paying the fees to let them hold you money.
I’ve had Geico as my motorcycle insurance for many years and have never really considered changing. Their rates are by far lower than anywhere else I could find and unlike a company I was with previously the rates don’t go up every single year. I was happy to find Geico because they didn’t give me a teaser rate and then just hit me for more every renewal. I haven’t had any claims with them so far, but I have had to call them to change my policy or to add/remove a bike. They have always been very helpful. This year, they also sent me a letter informing me about a winter discount for my bike, which is great. It’s hard to want to pay insurance on something that is parked and can’t be ridden due to the cold weather. It is something like a 70% credit for the premiums for the months it is stable.
I’ve had an account with Arvest Bank for many years. I actually had my account back when it was still Superior bank. I very much like their online banking website but recently have started looking at other banks because they are starting to want to charge for some of the basic features on the account. They are really pushing their Blue plan for a monthly fee. The only feature I’d consider paying for is the online bill pay, but for $5.00 a month, I’d rather just send out the 4-5 bills myself and pay for the stamp. Even though I’ve been a member for a long time, I’ve never been able to get any kind of loan from them. I’ve resorted to going to my credit union where they where was more than happy to help me, at a much lower rate too.
I’ve had this card for a few years now. It works a little different than other rewards cards. I like the fact that it helps you use the rewards to pay for college loans, because getting a degree is so expensive in this day and age. It does take a little bit of work to maximize the rewards though since some places give you a much better percentage back. Their website doesn’t seem very well designed to me. The interest rates aren’t the best, so I’d suggest using this only for purchases you plan on paying off every month. I use it for my gasoline and groceries to help me track that spending and also because they are things I would be purchasing any way.
I’ve been a member of United Federal Credit Union since I bought a vehicle from a dealer who partnered with them for financing. I had never heard of them before then and wasn’t sure what to expect. The rate I was given was much better than I could get from my own bank and I’ve since opened a credit card with them and obtained another auto loan. Their website seems a bit dated and sometimes it isn’t easy to navigate. My biggest complaint is that I’m unable to link an external bank to my account and transfer the money for my payments each month. This results in me either having to mail a payment or stop by and manually make a payment. It isn’t very efficient. Their customer service has been helpful the two times I’ve used them. I’ve considered moving my checking account here, but their locations aren’t convenient for me.
I have been a member of Arkansas Best Federal Credit Union since I started working for my current employer. I was excited to be eligible to join due to my starting employment here. I had heard good things from friends that were also members. Since joining, I have been having a portion of my check automatically deposited into my savings account at Arkansas Best. Their interest rates are very competitive. Since then, I have also applied for and been approved for 2 different loans. Both have by far the lowest interests I could find at the time. Also both are set up to automatically be paid as a paycheck withholding, so I donât have to bother with writing and mailing payments in. This option also entitled me to an interest rate reduction making the rate even lower.
I have used BancorpSouth as my bank for several years, and have never really had any sort of problem with them. Recently though, it has started to feel more and more like they are a large uncaring bank. Before, when attempting to communicate with them they were friendly and had that small credit union feel to them. Their website seems a little out of date as far as their online account access and features are concerned, which for me is a reason to consider switching to a different bank. Their loan department does a good job of trying to work with you and really do seem to care instead of treating you as just a number on a piece of paper. They communicate any upcoming outages well.
I’ve been a customer for Travelers for several years now. I have a homeowners policy with them. I used another company before whose rates seemed to go up 20-30% every year, so I decided it was time to find something else. I went through and got quotes from many places and there were a few no-name brands that were cheaper, but not worth the risk. I chose Travelers and I’m glad I did. Their rates have been pretty stable and the one time I actually had a claim, was the easiest process I’ve ever had when dealing with any kind of insurance. Their adjuster was nice and took care of things quickly. I had been very stressed and worrying about it and possibly doing something incorrect and getting it denied. This was on top of dealing with the damage and setting up repairs. The agent and customer service couldn’t have done a better job. I think Travelers is a very good value for the money.
I’ve had the Priority Club card for about five years now, and it is the card I primarily use. I have yet to find another card that’s rewards added up and were as useful as this card. I travel for work and we are reimbursed for our hotel stays. I always stay at a Holiday Inn (IHG) property and use this card to pay for it. The end result is I get a ton of points on my account and they are actually useful because I can redeem them for free hotel stays for vacations. On top of the points you get a free night voucher every year, so even if you didn’t spend almost anything, you’d still get a reward worth at least $75, which is much better than most rewards cards. I have no experience with their Customer Service other than an occasional call from them verifying the charge was valid, but that is because I may charge a room in Seattle one day and a few days later be in Boston. I appreciate their effort to protect me.
I’ve been a customer of Geico for many years. Recently, I decided to shop around for a better rate. What I found is that in almost every quote I received, the price was nearly double the amount I currently pay. It blew my mind. I won’t be changing companies to say the least. I’m not sure how some of these companies claim to save $300 or whatever over Geico, but I’ve never seen anything close. In the ten or more years I’ve had Geico, I’ve only had two claims. One was when I was involved in a slow speed collision where there was very little damage. It was my fault, but my rates didn’t increase, and even if they had, I’m sure it would have still been cheaper than the other places. The other claim was due to hail damage. The adjuster was very nice and took care of things quickly. Overall, I’m happy with them.
I've had this card for a few years and honestly, I'm not sure if I want to keep it or not. Overall, it is a little expensive since I don't use it enough to justify the annual fee. I'm tempted to call them and see if I can get the fee waived since I've been a customer for so long, and if they don't give that to me, then I will likely just cancel the card. The rewards add up eventually, but really aren't enough to get me to keep the card. If I went to the parks more often, then it would make more sense because those discounts are immediate and tangible. I haven't used their customer service so I can't comment about it, but I'd figure it is the same as everywhere else.
I've had my Arvest Classic credit card for several years. It's probably my least favorite card due to the mediocre interest rate and lack of any perks that a lot of cards now offer. They seem to give pretty low credit limits as well. I've never had a reason to call their customer service but would it to be average at best. The only reason I still have this card is because I use it for my fuel expenses to be able to track them apart from normal spending. And since I use Arvest as my checking account, it is easy to pay the balance off each month. I am actively looking for a rewards card that also lets me categorize my spending so I can achieve the same result and gain rewards at the same time. The fact that there is no annual fee is another reason I've held onto the card and may even after stopping the usage on it.
This is by far my favorite credit card. Getting membership into Navy Federal Credit Union might not be possible for everyone, but if you do, then this will be your go to card. The interest rates are more fair than any other card I have and that is important since my credit isn't that great. The credit limit was 3 times my next closest card. The rewards and no annual fee make it a no brainer for a rewards card. It is VERY easy to make payments on my account. I linked it to my bank account and just transfer the money as needed every month. Their online services are typical for a credit card and nothing special. The best part of the card is no balance transfer fees and you can set a transfer up easily. I transferred the balances of 3 of my cards when I opened the account and have since added 2 more. No fees and was done in a few minutes. The other account showed the payment in about 3-5 days. I have only redeemed the point once, but it seemed very easy and hassle-free, unlike another rewards card I've had in the past.
I've had this credit card for almost 3 years. It was the first card I got after my bankruptcy and was impressed with the rate and the features available. I thought for sure, I would have to get a secured card to start rebuilding my credit. They were willing to take a risk on me and because of that, gained a loyal customer. I don't carry much of a balance, so I don't really have any dealings with possible over the limit fees etc. They offered to give me an additional card so I'd have 2 capital one cards, but at that time, I wasn't in the market for more credit. The limit is fair and the rates are reasonable. If you are looking to rebuild your credit, then I would give this card a shot over the unknown or lower tier issuers. Although, it was an annual fee, it is much more reasonable than any others I've seen in this space. The minimum payment is a little higher than some others I've seen, but really it's just a way to get you out of debt sooner, which isn't a bad thing at all.