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Overall, I am pleased with this card. I've had it for about a year and a half now. My initial credit limit was $100, but that increased to $300 after about 10 months. I don't carry a large balance, so the interest rates aren't bad even though the percentage is high. The only reason i didn't rate it as 5 stars is because I shop there quite a bit, but don't feel like I get many rewards certificates. To date, I've gotten 2 or 3.
Less than two years ago I filed Chapter 7 Bankrupcty and assumed I would be unable to obtain any "fair" credit offer for years to come. But I was pleasantly surprised when I was recently issued this credit card from capital one for 0% interest for the first year, with a $39 annual fee. It is allowing me to rebuild my credit score without paying a high annual fee, or an outrageous percentage rate to do so. I started with a limit of $350, but that was recently doubled to $700. I am very pleased with capital one and plan to be a lifelong customer.
I have been with Tri Boro Federal CU for about 6 years now. They have always satisfied my needs, but more than ever for the last couple of years. I wanted a home equity loan for some repairs and upgrades around my home. I felt overwhelmed shopping around but thought it was necessary to get the best deal. After comparing the offers of what I could borrow and what the interest rates offered, I was pleasantly surprised that they were willing to offer me the amount of money I needed with the fairest interest rate. Other lenders were either offering less than what I wanted, or more than what I needed with a higher rate. I have been pleased with their service as it relates to this loan as well. The loan approval process was also less painful than I anticipated, and the handful of answers I had were answered promptly and politely.
This is an excellent card for rebuilding credit. The annual fee is steep, but it was easy to obtain and does not have hidden fees. The interest rate seems competitive for cards of this category, and they claim to consider you for credit line increases with an on time minimum payment each month for six months. They generally start you out with a credit limit of $400, which is just enough to use and pay off, but not enough to get yourself in trouble with a big unaffordable bill. I wouldn't plan to keep this forever, as the second year the annual fee jumps up to $99, but for the purpose of rebuilding credit, or just starting out, it is a good option.
Several months ago I started banking with Woodforest National Bank. I opened a “second-chance” checking account here as I was in the process of a bankruptcy and was unable to secure an account anywhere else. I must say I was leery of the fees associated with the account, but I quickly found it was the best option for me vs. prepaid debit cards. I feel like it took quite a while to fill out the paperwork and establish the account, but it was still time well spent. Since I'd been with them I've had two separate occasions where an outstanding check would overdraw my account, and they have called me both times and given me the option to have them process the payment and charge me an overdraft fee of $32 or decline it. I've never had a financial institution offer that type of service, and I believe this is a very unique benefit of banking with them.
I became a PNC customer when they purchased National City several years back. At first I was comfortable with them, but quickly discovered it may not be in my best interest to stay with them. They significantly cut back the rewards program and their policies regarding withdrawals were in favor of the bank, not the customer. For example, if a deposit and withdrawal were pending in the same day, the withdrawal would be put before the pending deposit. In instances where I was low on available funds this would routinely overdraw my account, resulting in fees. While in the end I decided to switch to another financial institution, I must say my local branch was always friendly.
I have had my auto insurance policy with Erie Insurance for the last twelve years and have always been pleased with their service. Five years ago I encountered my first ever auto accident and I was concerned about dealing with the insurance company. It was a smooth process from start to finish, and fortunately the coverage I assumed I have was in fact in place. Recently I experienced a financial hardship and knew I would be unable to pay my quarterly installment on time in full. I made a call to my Erie Representative Ben, and he worked out an alternate payment plan immediately. Erie Insurance is not the cheapest, but it is the most “bang for your buck”. I also have my homeowners insurance through them and they offer multiple policy discounts!