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This card seems like something only someone invested in JCPenny should honestly look into. Where it has standards, such as no annual fees the rest of it is less then mediocre. The starting rate is atrociously high and there is no intro incentive. The bulk of the card seems weighted towards its rewards, but even that is out preformed by almost any other card. While there are nice discounts, such as the intro discount, the rest is quite low when considering the fineprint on the card which says 'Points expire at the end of each calendar month.' which essentially means you need to spend a lot to gain a little. Add in the high APR and you're racking up astronomical interest unless you pay off instantly. Unless you're rich and love JC Penny I couldnt recommend this card at all.
I can see nothing wrong with this card. It does as needed, which is provide a prepaid option for people. It has no annual/monthly fees which should be a standard for prepaids. It also allows a free atm withdrawal per month which isnt terrible and gives people a chance to freely access their money after a monthly deposit. Of course the part I love best is the lack of fees in general, no charges for usage in any stores, nothing for inactivity and prompt access to direct deposits make this a great option for those without a standard bank account and card.
This card surprises me. Its good points are lacking. There is the atrociously high APR which is almost double what I have on all of my own cards, nevermind the fact that there is no initial periods, so you're paying interest from day one unless you full pay off the card. However, that gives nothing to this card in that case, the rewards are mediocre and specific, any other bank card would probably out do this card in every conceivable manner. I honestly couldnt ever recommend this card unless you lived and breathed at the 3 bonus points stores AND fully paid off balances before interest accrued. Even in that case I'd recommend almost any other card.
My second(Technically third) credit card from chase. A free offer after having my freedom for a few years. I have a love/hate with this card. The one thing I dislike the most is it has no rewards. Reasons to use my money more. Having my freedom still allows me to use this card in combination with it. The main draw for me to this card was the massive intro period of 15 months. The added bonus of no balance transfer fees and the lowest APR of any card I have 12.99 for the Slate but 13.99 for my Freedom, was an obviously nice draw. Of course basics like no annual fees are icing on the cake, and I must say, Ive personally found their customer service to always be on point. In the end I feel this is a great supplemental card, something to use perhaps as a holding for balances while you earn rewards on another card. Otherwise it stands decently on its own.
This card is questionable. The CITGO gas card seems to have a few flaws with it compared to some of the more accessible ones out there. The main draw to it is the high APR compared to many other cards on the market. There is also little incentive to try this card, with the lack of initial reward bonuses or some form of special intro rate, which could be overlooked if the CITGO Gas Card had more going for it. The minor bonus of .05cents a gallon isn't too bad, but most of this card has lower end draws compared to other gas cards and other credit cards in general. With the little this card has to offer for people of any money range, I couldn't honestly think of a reason to get it.
At first glance, I can see that the Sheetz card does not match up to the card I have now. Using a Chase freedom has gotten me used to terms and services which grant me freedom while also giving me the most bang for my buck. Starting off with no offerings for intro rate for purchases of balance transfers makes me a little scared as I'm still building credit and the offer of 0% on the Freedom card for 15 months makes it more attractive. The issue with rewards is there too, no offering of an initial bonus, you can get back money on all purchases, not just whatever is specified but you can earn more based on whatever Chase is offering. The Sheetz does have an overall lower rate however, on the higher end with 19.99% though balance transfer fees are higher, for those who use it. The cash advance rate and fee are also marginally higher, but in a world where pennies count, I still see it as a detriment. Everything else seems standard for a credit card, so were I not offered the Freedom where I lived this could be a nice offer.
Amazing bank for the New York area. To start, they're everywhere, which is one thing that concerned me the most. I don't want to travel just to go to a bank. A Chase can be found on almost every street corner practically. As for the bank themselves, I've been a customer for many years, since my high school days and they've never steered me wrong. Customer service was always quick and spot on, even their phone assistance was perfect. They were also generous if you are a good customer, overturning small offenses such as accidental overdrawns if it’s your first time. They're also helpful in various sectors, helping me with both of my first two credit cards. My first having expired and them guiding me to their Freedom card with a higher limit all while keeping me informed as to every little detail of the card itself. Service for things such as losing your card is stellar too, giving a new one instantly and offering delightful protection against fraud and other unforseeables that could happen with a lost card.
What's there to say about this. I'm a college student and been with chase for many years. As an entryish level credit card, its been great for me. I've only had it for a little over half a year but its been everything they've stated and more. Its quite easy to use, as any credit card should be, and the added internet interface makes paying it off quite simple. All my accounts are linked so payments are quick and simple and by using this card for everything I've rolled in many bonus points which in turn is extra money for myself. 1,500$ limit makes this card amazing for me and one I'm glad to use. I've yet to use it for anything other than purchases, but even the 15 months no interest made this extremely attractive, doubt I'd use this for cash withdrawals however.