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I opened a Wells Fargo Money market account about 3 years ago. I think that it was very easy to open and I love the fact that there is no minimum amount to start with. So, I started with a small amount and just added more and more money each month. Which has a compound effect. The rate for the money market account is not the greatest but no money market account really is. They are all low. My favorite part is that there is no fees involved. I don't have to worry about getting nickeled and dimed every which way I look.So, over all I would recommend them to anyone that is trying to start saving money and doesn't have a lot of it.
I love my Mutual of Omaha Bank account. First and foremost, I don't have to ever worry about the bank atm fees because there is none. Which is great. It is my number one favorite thing about this account. The second is that there is no maintenance fees every month to deal with and have to check on to make sure they haven't increased. This is hands down my favorite bank account for checking. They do a great job!
This insurance agent is one of the best there is. I switched to his company because they were the cheapest. Really, he ended up being the most friendly and helpful agent out of all of them. All I had to do is give him my information and he took care of the rest. A couple months later I bought a house and I needed to add it to my insurance and all I had to do was give him my real estate agent's phone number and he took care of the whole process. It was a cheap price too. I would definitely recommend this agent to anyone in the area!
I went to Michael Hartnett when I wanted to refinance my current mortgage. He was the loan officer for my original mortgage and did a great job. This time, he was just as helpful and knowledgeable. He took care of everything for me. All I had to do was give him my paperwork and he took care of it all. He did not get me a good interest rate though. I thought that it could have been lower. It didn't end up mattering because I couldn't refinance anyway. I would still definitely recommend him to anyone. Michael is really helpful for first time home buyers. I would give him a four out of five stars.
Ally Bank is one of the best banks I know of. It is a different kind of bank altogether. There isn't any brick and mortar building to speak of. I have a money market account with them. They offer a much higher interest rate on it than any other bank, even credit unions. It's because they don't have all the over head of pay the light bills, paying employees, and paying their rent. So, they can afford to give a much better interest rate. You can also use any ATM and they will pay the fee for the bank. Which is great and fair.
I have been with Suntrust Bank for 15 years and I thought that I had a bank that was looking out for me. It really is one of those to big to fail banks. I never have bounced checks or anything like that. I always keep a lot of money in my accounts but when all the other banks were trying to charge the 5 dollar fee for just having a checking account, they tried to charge me. They made a mistake there! I soon as I found out that they were going to do that, I canceled my accounts and withdrew my money. I put into a local bank instead. I know they are not going to charge me 5 dollars a month for them to use my money! This bank is one of the bad ones that is bringing the country down. I would not recommend them to anyone alive.
The Discover More Credit Card is one of the best ones out there, in my opinion. It has no annual fee. Which is something I am very big on. There is a 0 percent interest rate for the first 12 months. After that, it only has an APR of 12 percent, which is pretty low for a credit card. The best thing about this credit card is the 5 percent cash back on purchases from the gas station, grocery store, and restaurants. These are things you are going to buy anyways, so might as well get some money back for it. I have the Chase Sapphire Preferred Credit Card. It doesn't have nearly the rewards of this great credit card. My Chase card also has a 95 dollar annual fee. I think I might be switching credit cards. I would really recommend this credit card to anyone.
The AT&T Credit Card is a really interesting credit card. It has no annual fee. Which something I'm crazy about. You must have a pretty good credit rating if you want to get this card though. This card offer all kind of rewards. The one I like the most is up to 350 dollars toward AT&T products a year. That means you can get your self a new phone every year with this credit card, just by using it. It does not offer an intro rate, which is kind of depressing but the APR is just 14 percent, which is decent. I have the Capital One Venture One Rewards Credit Card. This card is very similar but it offers a 0 percent intro rate for the first year, which is something you can't beat. I would recommend this card to anyone who is a new phone addict. You can really make this credit card work for you.
The Sony Card from Capital One is a really great credit card. If you like all the complications of having a points card, then this is a pretty good card. It has no annual fee. Which a really big deal for me. It also has a 0 percent intro rate for the first 12 months. Which is also pretty great. The interest rate after that is about 14 percent, which is pretty low for a credit card. It offers a lot of points towards things, especially if you like electronics. I currently have the Citi ThankYou Credit Card. It is a very similar credit card but it 0 percent intro rate is for 15 months. It also offers great points rewards. So, in my opinion this credit card is a very good deal. You also have to have pretty good credit score to get this card. I would recommend this card to anyone that does a lot of shopping.
The British Airways Visa Signature credit Card is an OK credit card. I do like the zero annual fee for the first year. It going up to 95 dollars a year would make me cancel it the next year though. That's way to much! This card doesn't have a low intro rate but the credit card rate it self is some what low. It really has some great travelers rewards though. If you fly a lot this is the card you might want to get. You also have to have high credit score to get this card. It doesn't have foreign transaction fee at all, so that's great. I have the Capital One Venture One Rewards Credit Card and it has very similar rewards. It doesn't have a annual fee though, at all. That really is the big fall for this card. This is a decent credit card but I would not recommend it. There are much better travelers credit cards out there.
The Blue Cash Preferred from American Express card is an alright credit card. The 75 dollar annual fee is really high in my opinion. It does offer a good deal on money back though. The 6 percent on supermarket shopping is a pretty great deal. Don't take this card overseas though. The foreign transaction fee is 2.7 percent, which is not very good. There are plenty of other cards for that. I have the Citi Diamond Preferred credit Card and it has no annual fee, at all. It also has very similar reward system. The 75 dollar fee for this card is the big downer for me. Plus, you need really high credit score to get it. It's really too much for a card that is not that great. I would not recommend this credit card to anyone really.
The Ink Bold Business Card is completely awesome compared to my U.S. Bank Business Cash Rewards credit card. I have a very small business and these rewards and perks would be great for me. You do have to have an excellent credit rating to get the Ink Bold Business Card though. This card has no annual fee for the first year and 95 dollars after that. Which is reasonable for what it offers. It also has no foreign transaction fees. My card has a 12.99 APR on it which is kinda of low, which is great and you can pay it off at your pace. This card you have to pay the balance at the end of every month. I would recommend this card if you can qualify for it.
The Bank Americard Travel Rewards Credit Card is alright compared to other travel credit cards. It does have no annual fee, which I am very big on. It gives you 10,000 Initial Bonus points for signing up. You will need a very good credit rating to get this card, also. It also has 0 percent intro rate for the first 12 months. I have the Chase Sapphire Preferred Credit Card and it has all of that but it gives you 40,000 Initial Bonus points for signing up. They both no foreign transaction fees, which is also great. I would recommend this credit card but there are better ones out there.
The KAIKU Visa Prepaid Card is an alright card. It offers all the things I would expect from a pre paid credit card. You can direct deposit your pay check on to it with no fee's at all. You don't have to worry about over draft fee's because it's not really a credit card it's a debit card. It has a pretty low monthly payment of just 1.95. Which isn't bad considering all the stuff you can do with it. I have had a Walmart Prepaid Money card and it was about the same thing. So I would say this card is pretty standard for the class that it is in. I would recommend this card to anyone who can't get a real one.
Man, I wish I would of got this credit card instead of the one I had in college. The Journey Student Rewards has no annual fee and you get 1 percent back on all of your purchases. The best part of it all is you get 25 dollars a month, just for paying your bill on time every month. I can't believe that one. The card I had was a simple U.S. Bank College Visa Card. It had no rewards and it didn't offer any cash back rewards either. The interest rate was lower on the U.S. Bank College credit card but that's out weighed by all the rewards of this card. I would recommend this card to any college student out there.
I love my Cabela's Credit Card. I use it for all the things I am going to get anyways. I love this store and I would spend a bunch of cash there anyways, so why not save some money. This card has no annual fee and it also gives you 2 percent back on all purchases at the store. The interest rate is not the best but it's comparable to other store cards. My wife has an American Eagle Outfitters card and it has an annual fee and the rewards are much lower. I would stick with my Cabela's Card any day of the week. I would recommend this card to any outdoors man.
The Citi Secured Credit Card is an alright card for rebuilding your credit but there are much better secured credit cards out there. This card requires a minimum deposit of 200 dollars and there is an annual fee of 29 dollars. You also must wait 18 months before you can get a regular credit card. I prefer a Bank of America secured credit card. The minimum deposit is 100 dollars and there is no annual fee at all. You can also get a regular credit card in 12 months, which is what I really want. I would recommend this credit card with the disclaimer that there are better deals out there to be had.
The Toys R Us Store Card is my favorite card of all. It has a 26 percent APR, which is pretty decent for a store card. It has no annual fee and no over the limit fee. I also like that anyone can get this card. You don't have to have perfect credit to get this card. The absolute best thing about this card is the 10 percent off everything. That there, by itself makes the card awesome. It does have a late fee of 35 dollars. Just pay your bills on time. What I use this card for is to buy Christmas gifts in December and just pay off the bill the rest of the year. It's one of the cards that saves me worry. I would recommend this card to any parent out there.
I simply love the Blue Cash Everyday Credit Card. First off, I love the 0% intro APR for the first 15 months and I also love the no annual fee part too. The interest rate is 12.99% after the 15 months so pretty average.The late fees are pretty standard but I wish they didn't have them though. What this card is really good at though is the rewards. You get 3% back at the grocery store and 2% back on gas. This is stuff that most people are going to get anyways. Might as well get a little cash back on it. Every thing else is 1% cash back. With a 100 dollar signing bonus you beat this card. I would really recommend this card to anyone to help get a little money back on the stuff your going to spend anyways.
The PenFed Platinum Rewards Credit Card seems like a complicated card to own. All the different point tiers for different places may be a little hard to remember what place gives what amount of points. There are plenty of cards out there that offer a better introductory rate also, 4.99% is kinda high. You also have to have an excellent credit rating also. I have the Citi Simplicity Credit Card which is like the complete opposite. There are no late fees, no overdraft fees, and no annual fees. I don't have to deal with all the point stuff either. Just use the card and pay the bill. I do like to keep things simple. I'll stick with my Citi Credit Card. The PenFed Platinum Rewards Credit Card is not for me.
I love my Citi Simplicity Card. It is my favorite card out of all of them. It doesn't offer cash back or points or anything. It is just like the name says. It simple. No late fees! No penalty fees! No annual fees! No overdraft fees! What could be better when you sometimes forget to pay your bill. With a 0% APR for the first 18 months, what could be better. It does bump up to 12.99 APR but that is not that high for a credit card. I would recommend this card to anyone. The name says it all. Simplicity!
The Home depot Store Card is an alright store card to use. I always am getting things for fix up the house. I am a new home owner and I am trying to fix up the house that I bought. This card is great because I don't always have the money to get the things I need for my projects. You can also get a lot of household items there that you would get from the grocery store like toilet paper and dish soap even if your low on funds. For me, it is one of my most frequently used cards because it's they got everything I need there. The interest rate is just average for a credit card and there isn't really many rewards at all for using the card. I would still recommend it to anyone who is a recent homeowner.
The Citi Thank You Preferred Rewards Card is a pretty awesome card to. I like the idea of get points for things that I am going to purchase anyways. Once those points add up I can get myself free stuff or gas. My interest rate is only 13 percent and that is pretty reasonable for a credit card. The fact that there is no annual fee just makes this card that much better. I don't transfer debts from one card to any other so the transfer fee does not apply to me. Lastly, I love that the points don't ever expire. It would be crazy if you only had a limited amount of time to use the points before they disappeared. All in all, this is a great card and I would really recommend this card to anyone.
I switched to Chartway Federal Credit Union about a month ago because I was tired of the bank that I've been with for 10 years raising their fees every time I look at my statement. This bank promises no fees and no minimum balance. To join I had to donate 10 dollars of my money to their philanthropic arm, the We Promise Foundation. I wasn't to thrilled about that but you have to chose between the lesser evils. I like being at a credit union though. It really beats the heck out of those "to big to fail" banks. I don't feel as if I have to keep a constant eye on them, so they don't steal my money.
The Apple credit card seems like a niche credit card. You need a higher credit score to get the card, which will keep a lot of people from getting it. It's a card for pretty specific things. It's for Apple products only which is good only if you plan on outfitting your home in Apple stuff. If you pay off your purchases within a certain amount of time, you pay no APR on it. Which is pretty awesome. All the fees on the card are pretty standard. I think it's a really good card for someone that is in school or is starting a small business with a lot of small electronics.
This credit card is a good one. It has a reward system and no annual fees. The rewards are pretty good because your getting cash back on money you would be spending anyways. Two percent is a good rate for a cash back offer, plus the extra ten percent bonus makes it that much better. I never reached the 6,000 dollar cap to drop the rewards to one percent. The only real reason to get a credit card is for the rewards or emergencies. So, for me this one ranks pretty good. I would suggest this card to anyone who can get it. Just remember to pay the balance every month.
Robert Temple is the loan officer that I bought my house with last year and this is what I thought of him. He made himself available for any questions that I had. He definitely answered all my calls or got back to me a.s.a.p. and tried to answer my questions as much as possible. Robert was very knowledgeable. He also walked me through the process and let me know what to expect. The only thing that I could find fault in was that I didn't get as low a interest rate as I expected. I have a high credit score and I expected something a little lower but it was within reasonable range. So overall I would give him a good rating.