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I moved to Florida a few months ago and opened a checking account with Achieva Credit Union. It seemed like a pretty good deal at the time. There are no fees associated with maintaining the checking account as long as I use the direct deposit feature and they just finished building a new location within walking distance of my home. My biggest issue so far is that any time you use your debit card with your PIN code, they charge you $0.25. So if I do not want to be charged this fee, I have to use it as a credit card. Not too big of a deal, but I would prefer to use it as a debit card most of the time.
The Crate and Barrel Store Card seems to be a pretty bad deal. The interest rate on this card is 26.99% on purchases which is very high compared to my Williams Sonoma Credit Card which offers a variable rate with a maximum high of 21.74%. There is no bonus sign up for the Crate and Barrel Card and you have to spend a minimum of $999 for any financing to be available. With my Williams Sonoma Credit Card I received a bonus of 2,500 points when I signed up and there are special offers in store for triple the points earned on every dollar. I don't see any reason to own or apply for this card. I would just use a points Visa or Master Card when shopping in Crate and Barrel instead of going for this card.
I do not understand why anyone would use this card. Maybe they offer it at the Goodyear stores when customers are buying tires and have bad credit? I cannot see any reason to have a card that offers you nothing except an extremely high interest rate and abusive interest fees on cash advances. A cash advance rate of 30% with a 5% initial fee is the worst I have ever seen. The offer states that there are low monthly payments yet with a $1000 cash advance just paying the interest every month would be around $25. It could take 10 years paying the monthly minimum along with the interest to pay off the debt. This card offers nothing of value to anyone, even people with bad credit. Get a pre-paid card and build your credit instead of getting a credit card like this.
I currently have the Staples card that earns me a 5% discount on every purchase. Using the OfficeMax card along with the MaxPerks membership seems to be a little bit better of a deal at 7%. Along with the 1000 point bonus for new members, I think that is a fairly good incentive to get this card and drive a little bit further to go to OfficeMax instead of Staples. I never carry a balance but the 0% intro rate is attractive. I do not like the variable interest rate that can climb as high as almost 24%. That seems excessive and unnecessary and throws up a big red flag to me personally. Also the balance transfer fees and cash advance rate are extremely high so I would never ever use those services. For using this as a standard credit card, I would never sign up, I will give it a shot just to use exclusively at OfficeMax because that seems to be a fairly good deal.
I have a Dillards that just expanded in the Westfield mall in my area. It is a beautiful store but I do not shop there often because of the high prices. I really enjoy shopping in the clearance sections and when they have a sale. I think that earning two points for every dollar spent would help offset the higher prices at the store. This card would make me shop there more often because I really love the selection of clothing and other merchandise they have. I am going to apply for this card and use the initial 10% discount in combination with the tax exempt holiday coming up for even more savings on my back to school shopping for the kids. Looks like a great deal.
Wow, this seems to be an amazing deal on a card that I will use frequently. With the trial offer of 30 months with a $0.30 per gallon rebate, how can you lose? I am currently using a Shell gas card that only offers $0.05 per gallon rebate. I am using over 50 gallons per month so that is a $15 savings per month and $170 per year for two and a half years. No annual fee and I do not think I would hit the 100 gallon per month limit. I am going to sign up for this card today to see if it is as good as it seems.
I absolutely love my Southwest Airlines Rapid Rewards Card. I have to travel by air at least once a month and have been flying on Southwest for the last 3 years using this card. I have earned 7 free flights with it. I get double points when I purchase my tickets with Southwest and every year they give me 6000 points for renewal. The rate is pretty high but as long as you pay off your card every month, the rate is irrelevant. Although this card might not be for everyone, if you have to travel frequently within the United States and enjoy flying on Southwest Airlines, then this is the perfect card. I think Southwest allows you to use your points on other purchases like hotel rooms and rental cards, but I only use them for free flights.
I moved to the area a few years ago after a nasty divorce and my credit was ruined. LMCU allowed me to open up a checking account and gave me a secured card to help rebuild my credit. I was enrolled in college and working towards making a new life for myself and LMCU understood the challenges that I was facing and was very helpful offering me financial advice and products to help me get on with my life. The staff has always been very friendly and helpful ever time I go into a branch or talk to anyone on the phone. Recently I have gone into the branch and gotten pre-approved on a mortgage. They made the process very simple and was able to utilize all of my previous dealings and credit building as part of the process. Hopefully soon I will be a home owner and it is all thanks to LMCU,