+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I met Johnny Hoang through a family friend and am glad that I was referred to him. When I first met him, he was incredibly friendly and warm. I am not that knowledgeable when it comes to mortgages, and Johnny was great in assisting me with what I needed to know. I felt like I could trust him as he put out all the options I had available. I did not feel pressured by him and he was very patient with me as I was going over the information. He explained all the questions I had, and tried to make it as clear and as easy to understand as possible.
I recently signed up for Ally banking after I kept getting screwed over with bank fees and terrible customer service at my old bank. I loved what Ally had to offer, and one of the things that enticed me the most were the returned fees on ATMs. It is very useful to me to be able to pull out money from an ATM without worrying about more fees. I hated the feeling of being nickle and dimed out of all my money. Signing up for Ally was super easy, and when I had a question about something, the customer service was quick and super helpful in resolving my problem. Everything has gone smoothly and the return on my money is even better than my old bank by far.
I was looking around for different car insurances after my old insurance policy hiked up prices. I was recommended to try out Liberty Mutual by a family friend, and I am glad I took their advice. I talked to one of their representatives who was very helpful in letting me know what kind of premiums I would pay and helped me with comparing my old policy versus my potentially new one. They were very courteous and patient with me, and I appreciated their assistance. Using their website has also been a breeze for me, since it is very important to me that I can access and pay my bills through a convenient way. I had no issues with their site and it was much better than the old company I was with.
The Menards Big Store card is a decent card that I opened up when I had to make a large purchase at their store. I was working on my house and was told by the cashier about this card and promptly signed up for some of the bonuses. It is definitely not a card you want to keep a balance on, but if you are making large purchases at their store, it is worth it to sign up to get some of the cash back on your items. There is also financing available which is decent, but the high APR on this card means that you should try to pay off this card as soon as you can.
The Jetblue credit card is a great card for me and might be for you too if you are a frequent customer. I travel many times a year across the country, and JetBlue is one of my favorite airlines relative to the other domestic airlines. I've received great perks and benefits from using this card on my travels, and I've racked up a ton of points with them. As long as you take a couple of flights a year with them, it's definitely worth having. There are signup offers every once in a while that are worth taking advantage for and keeping an eye on throughout the year. Although there is an annual fee, the rewards I've racked up have more than covered the fee and I have no issues with it as it is a relatively low fee compared to other cards.
The Western Union Prepaid card is a decent card if you are looking to avoid some bank fees and want a slightly safer way of paying for things without having to deal with some of the fees and hoops you have to jump through from other cards. It is a very simple, basic card that is good if you don't have a long credit history to qualify for some of the better cards out there. There is very little maintenance necessary, and you won't have to feel like you have to worry about fees adding up and taking away the money you have. It was very useful for me in my early days when I didn't have many options available.
The Blue Cash Preferred card is a decent card depending on how you use it. As long as you take advantage of the reward system, then it is decent, but the annual fee can be a hefty burden if you don't take full advantage of the rewards. It has comparable rewards to other cards, although during some promotional offers, I think I would rather take some of the other cards available since they don't have the annual fee attached. American Express does have great customer care however, and should be taken into consideration. They've always addressed my issues with amazing care, which some other companies do not do as well.
I was a little wary about the Hyatt credit card at first because of the annual fee, in comparison to other travel cards I have. Once I started using it on my travels, I found out it had some great perks to them and overall not too shabby. I received enough points for a free night, and was given another free night on the anniversary date of my card. It ended up paying for the annual fee and more. I think it is easier to attain some of the bonuses compared to the other cards I have had, and it is good for people who haven't had extensive experience with travel cards. It is pretty straight-forward and easy to use, and I definitely got my money's worth out of it since I like to stay at Hyatt hotels.
I was offered the Citi ThankYou Preferred card in the mail and decided to apply for it when I saw the 15 months of 0 APR. I was looking to spread some of my balances around and this worked great. I got a ton of points out of it that I redeemed for gift cards, so it was a great bonus. I have had no issues with this card and the APR I was offered was lower than some of the other cards I had. It is a solid card with solid offers and I've definitely been pleased with this.
I have used the Direct Express Prepaid card when I wanted to protect myself from possible fraud on sites that I was unsure about. There weren't any crazy fees unlike some of the other prepaid cards out there, and it worked perfectly for me. I had a different prepaid card before that would charge me for EVERYTHING but I had none of those issues with this card. I felt secure and safe when using this card, and the free withdrawal from an ATM was a nice bonus. I would definitely recommend that people check out this prepaid card and compare them with some of the other good ones out there, as this definitely has its perks and bonuses.
The Carnival card is another mediocre card that can have some bonuses. It is decent if you sign up to get their bonus, but there really isn't any reason to keep using this card after that. Other cards offer better signup bonuses, but if you have used them all already, then it is decent to use for just the bonus. The APR rates they offered were pretty decent depending on what you qualify for, but there are other cards out there with similar rates and better cash back rewards. Overall, not much of a card and better alternatives out there so I would stay away unless you have no other choice.
The card that Guitar Center offers is not a bad choice if you are planning to make a purchase there. I got this card when I spent a lot of money buying a new guitar, and it was a decent offer. It was nice to be able to finance my guitar over a period of 12 months and allowed me to be more flexible with my purchase. I would not use it outside of Guitar Center so my use with it is very limited, but if you do tend to purchase a lot of items from the store, I would definitely go with opening this card.
The TJX card is a mediocre card at best. You need to be shopping a LOT at their stores to really get anything out of it. You're better off going with a regular rewards card than this card as there are better bonuses out there. The rates they offer are terrible and on the very high end, and it's just not worth the risk to use this card if you're not good with your finances. Even if you shop a lot at their stores, you need to spend an incredible amount of money before you get any decent rewards. I would not recommend this card unless you are desperate but even then, there are other cards you can probably qualify for.
I needed a prepaid card to protect myself from some fraud as I didn't want to attach a regular card in case that they were going to overcharge, since the dealer was sort of shady. This card worked perfectly for that and gave me an option to be able to set a limit as to what funds the dealer had access to. There are a good amount of fees associated with the card, but depending on what you plan to use it for, it might not be too bad for you. There are definitely some good uses for this card, but you should check the details of the card as some people might not want to deal with all the fees associated with it. It has its purposes and is not for everyone, but for my situation it worked perfectly.
Decent card if you can get it when they have one of the promotions to get some cash back. It is okay if you have no other reward cards to use, but it is somewhat hard to be approved for this card in the first place so you might have better options available. Their point system is somewhat generic and bland, and there are better ones out there that you can probably apply for if you are qualified for this card. I would try to see what other options are available before resorting to this card. Overall, it is a pretty average card and don't expect too much out of it until you can apply for a better rewarding card.
The Walmart credit card is a decent option if you are looking for a credit card and do not have sufficient credit for some of the other better cards out there. The APR is on the worse end of what you can get these days and there are not much bonuses from the card itself. I would only really sign up for this card if you don't have any other options available as it gets the job done if you pay your bills on time and don't keep too much of a balance. Overall, I would generally stay away but if you do go to Wal-mart a lot then it is not too bad of an option. You'll have to spend a lot to really get anything out of it but sometimes you don't have any other options available to you.
I first found out about this place as I passed by one of their buildings. I've been looking for credit unions to join after the incredibly greedy big banks charged me monthly fees. There was no point in putting my money in a place where they would keep taking it from me little by little. I walked in and talked to a representative, and they were very nice and helpful in getting me started. I felt at ease right away as they sat me down and answered all of my questions. I feel like my money is safe. Their requirements are not too strict and they have a good range of ATMs and branches.
I signed up with Star One Credit Union so I could avoid the fees from the big greedy banks of America. It was super easy to switch over, and I was very happy with the process. They had great rates and much better services compared to my old bank. Every time I have dealt with them, they have been incredibly friendly and helpful. I do wish they had more ways of accessing my money as it is not as easy and widespread as my old bank. However, it still fits my needs but just enough for me to still be happy. I would definitely recommend giving them a try if you're sick of fees and dealing with greedy corporate banks!
I found this bank recently after being referred by a friend and was very pleasantly surprised. I was unsure about using a credit union at first, but after all these big bank fees were piling up, I decided to make the switch and I couldn't be happier. They were great at working with me to help me understand the benefits and even the negatives of being with a credit union, and I appreciate their help. I definitely see myself continuing to use them in the future. I have had no issues in the year that I've been with them. Whenever I have contacted customer service, they have always solved my problems with no issues at all. I'm just glad I don't have to pay any more monthly fees to Bank of America for keeping my money in their bank!