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I really had high hopes of this bank. It was close to my house and my work. But I was disappointed from the start. They advertise that they offer free checking, when in fact they do but only if you make more than 75 thousand a year. Why would someone making that much need a free account. Needless to say I didn't qualify for that. They also make you prove that you are employed and prove your address to sign up for an account. I can understand proving your address but proving employment seems lame to me. The tellers were also always rude and could care less about the customer. My last draw was when the bank screwed up my account with someone else's that banks there with a similar name and wanted to charge me thousands that the other person took out on a loan and never paid back. I withdrew everything, closed my account and currently have my lawyer dealing with them proving that I'm not the person they are looking for.
I personally do not have Liberty Mutual but a few years ago I was involved in a bad car accident, my insurance was one of state farm's competitors at the time. The other driver who's fought it had Liberty Mutual. Liberty Mutual didn't hesitate to do the right thing and pay all of my medical bills that totaled over a hundred and fifty thousand dollars. They even sent me a settlement check so I would not sue them, I let the lady know that I had no intentions of suing them that an accident was an accident and she said it was company policy. They are really a class act company, and I will be looking to switch my current policy to them as soon as it expires.
Not being happy with my current bank I had been looking for other options. That's when I came across Delaware First credit Union. At first I was a little apprehensive about quitting my long time bank and moving to a credit union. But after talking accounts with the customer service rep. I knew I made the right choice. They have none of the fee's that my old bank was charging me. The location could not be better, right around the corner from my work. After being a customer for a year they even helped me get a new car with a very low interest loan. Very happy over all.
I have been with chestnut run for about a year. At first I choose it just because it was close to my work and were willing to give me a checking account even with my spotty history. Over the year I have been with them I have not encountered any major problems other than their online banking web site always goes down on the weekend. Over all I find Chestnut Run Federal Credit Union to be a great credit union, the people who work there are very nice, and I always get fast service. The one thing I would advise is really read the fine print when you sign up, after I signed up fee's were added that I didn't even know I was being charged.
The Jet Blue card is another one of those cards that many want but not many can actually get, do to Jet Blue requiring you to possess excellent credit from the get go. If you are lucky enough to get the Jet Blue Card you will enjoy a wonderful gift of 20,000 miles from the get go as a welcome. You will also earn 2 points for every dollar you spend with no limit on points you can earn, which could mean over time you could fly around the world or at least go on a nice vacation for free.
The Virgin America Credit Card can be a very hard credit card to get and like many things made or run by Virgin its not very well rounded or even meant for average people. Virgin requires you to have excellent credit even to get considered. They also insists on charging you a 49.00 year fee no matter how many years you have the card. Really the only advantage the Virgin America Credit Card offers is the 3 points for every 1$ you spend, the points can be used on Virgin flights which can be handy if you live near one of the few places Virgin fly's out of.
The Mango Prepaid Card is an excellent card for those who cant yet manage to get a real credit card or just need a prepaid debt to transfer money on instead of using a bank account. I've used the Mango for years and its been a god send. Money actually transfers fast to my Mango Prepaid card then it does to my back account. The only down side is that when you take money out there is a 2$ flat fee, unless you find a fee free atm that small stores like wawa of 711 have in them. I highly recommend this card.
The store card offered by Dillard's is actually one of the better store cards on the market. Its offered to a bigger selection of people not just those with great credit which ultimately allows those with not so great credit to build up there credit scores and get some nice clothing while doing it. Another big plus of the Dillard's Store Card is that you save 10% on all purchases, which may not sound like a lot but depending on how much you spend can add up to major savings in no time. if your considering only getting one store card the Dillard's Store card should be it.
Spirit has slowly become my favorite air line based on the fact that the prices they offer cant be beat by anyone and now that I have the Spirit Airlines Credit Card things have gotten even better. Not only do you earn miles with this amazing card every time you spend a dollar but you are given 15,000 points just for signing up. Another major plus to this card is by having it you are entered in Spirits 9 dollar club which lets you travel on select flights for 9 dollars plus a baggage fee. That cant be beat by any other airline.
The Fred Meyer Credit Card does offer some very attractive things like a 0% APR starting rate for the first 9 months then a fixed rate depending on your credit score is after that. The Fred Meyer Credit Card also has some major down sides at least in my eyes, its geared toward those with excellent credit which in this economy is the elite which means your changes of getting the card is slim to none. Also the Fred Meyer Credit Card attempts to lure you in with a points system were you get one point for ever dollar you spend, what they don't tell you is until you get at least 10,000 points you cant really use them for anything.
If your like me and often need tires or car repairs done but just don't have the cash at the exact time you need it, you really need to look into the National Tire & Battery Store Card. Although its geared toward folks with good to excellent credit it can really help you out if your in a bind and can get it. The main downside is that it has a very high APR even for a store card, 28.99% is a little crazy. Other than the high APR is a great card that offers feature like no interest if paid with in 6 months and no annual fee.
The US Bank Secured Credit Card is almost near perfect for those of us with less than perfect credit. It has many advantages like your credit history will not be checked in order to get the card, all you have to do is pay the deposit of 300. Another advantage this card has over other secured cards is it allows you to add more money over time to higher your credit limit all the way up to 2,000. One of the best features is there is no monthly fee like many other credit cards, simply pay 35.00 a year and your golden.
If your like me you love Sheetz, the food, the friendly staff and the cheap gas prices. The only issue is that you don't always have enough cash to go. Well Sheetz has answered our prayers with the Sheetz Credit Card. This great card has some amazing offers that come with it, like saving 5 cents a gallon on gas when you use your card at the pump, they also offer reward points in the store when you purchase items that can be used at a later date for things like free food, free gas or even cash back. You get all of that plus a low 16-20 APR. Talk about a win win situation.
The First PREMIER® Bank Platinum Credit Card is really one of those credit cards that help you get back on the right track. Although there is a very high first year fee of $175 and then $45 a year after the that the high credit limit of $700 to start blows other cards out of the water. No other place can you even find a card with a limit close to that for those of us with bad credit. Another great thing about the First PREMIER® Bank Platinum Credit Card is that as you use the card and pay your bills on time over time you will earn an even higher credit limit.
This last year I have been really trying to get my credit up. In order to do that I needed to get a 2nd credit card but having a very difficult time finding one that would approve me, that was until I found the Capital One Secured MasterCard. It only took about two minutes to apply and I was approved right then. The best part was that it only required a 200 deposit. Most of the other secured cards I was considering required 300. For me the main deciding factor was the 22.9 APR. I know it sounds like a a lot and it would be if there were a regular credit card but this is a secured card.
The First Progress Platinum Elite Secured Credit Card is not a bad card overall. It allows those with limited credit to get access to a credit card, although it does require you to make a deposit of the amount you want to be on the card which I dont like. I would prefer a card with a semi or partial secured amount. like I pay 200 and get 400 on the card.So It does have its trade offs but if your in a bind and really need to build up your credit this is a great card to start with, every month it reports to all three credit bureaus so in no time you will be able to move to a better credit card with less interest