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We recently got a J. Crew credit card primarily to get the 15% discount at the store. It was great, we were approved right in the store and received the discount. I believe we would've gotten it even if we were declined. The card came quickly and we made our payment. The interest rate is relatively high but we always pay off our credit cards monthly.
We have been very happy with our Capital One 360 checking account. We were initially quite hesitant when Capital One merged with ING Direct, as we had had ING Direct accounts for 10 years and had never had any issues. We worried that there would be new fees imposed or changes to our account and we have been pleasantly surprised. The only other issue or concern is that there are no local branches. So an ATM card is a must for this checking account as there is no other way to easily access your money. If you go in knowing this, it really is no big deal as we do most of our banking online, including mobile deposits, which is seamless and easy.
We opened a savings account at PNC in correspondence with a home equity line of credit. We liked that the rates were in line what other banks were paying and the bank has convenient hours and many locations in the area in which we live. We keep a fairly small balance in this account, but we have never had any issues or concerns. We also liked that there are a lot of PNC ATM machines in Wawas and other stores in our area so we could access our money easily if necessary. We would open other accounts there as well and have considered moving all of our accounts to this bank.
I love my Target card! I use it all the time, you can't beat 5% off for buying things you'd buy anywhere. I love that I can use it online to get the discount AND free shipping. The interest rate is comparable, but I mostly use it and pay it off. I was hesitant to get this card and I'm so glad I did, I feel like I was wasting money for years before I had it. If you shop at Target regularly, you should really consider getting this card.
We were originally hesitant about becoming Capital One customers, since we had been so happy with ING Direct. But since Capital One acquired ING, everything switched over to Capital One. So far we have been quite pleased. We haven't had any issues and everything is just as convenient as it was with ING. We love using the mobile site and the app on our iPad/phones. Their website has always been so user-friendly, and that has not changed. The interest rates are pretty good and we also have a checking account with Capital One, which we have no complaints about. Overall, it has been a smooth transition and we are happy.
The Apple credit card (Barclaycard Financing Visa Card) is essential for anyone who frequently purchases Apple gadgets. It offers interest-free financing for qualifying purchases if paid in full for up to 18 months. The interest rate is pretty high compared to the Chase Visa I have, but you can’t beat the perks of being able to purchase Apple products and pay no interest for up to 18 months. This is a major credit card, useable at any retailer, not just Apple stores. The balance transfer fee is comparable, as is the late fee. Overall, I’d say this card is good for making specific purchases and paying them off within the interest-free period.
The Expedia credit card provides its customers with an excellent rewards program, giving 1 point per each $1 spent, and 2 points for eligible Expedia $1 purchases. The bonus for signing up and spending $1500 is a good deal as well. You get $10,000 bonus points and a $50 statement credit after hitting the minimum requirement in the first four months. Points can be used to “purchase” gift cards or towards travel perks. The bonus point to dollars spent ratio is much better on this card than the Disney Visa rewards card I have. The balance transfer fee is also relatively low, making this a good option if you only want to carry one credit card.
Compared to other store cards I have, the Staples store card is about average. It’s great for small business owners or anyone who purchases office supplies with some regularity, because of the automatic enrollment in the Staples Rewards program, with which you get 5% back. It could also be a good card for a student looking to build their credit buying things they would need anyway, since it is available to anyone with Fair credit or higher. The APR is pretty high so I would never carry a balance on this card. The late fee is also comparable to other store cards I have had, such as Kohls or Macys cards.
The American Express Platinum Card is a must-have for frequent travelers. The reward points and perks cardholders receive are pretty awesome. The lounges available to cardholders and the $200 statement credit for use toward baggage fees and other travel expenses are really useful for business travelers. I have another rewards card (Chase Disney Visa) and it doesn’t even compare to the perks associated with the Amex Platinum Card. The annual fee is quite high, but is pretty much offset by the rewards you receive when you use the card. The fact that there is no foreign transaction fee is also very convenient for travelers, making this the ideal card for anyone who frequently goes overseas. There is no pre-set spending limit, allowing for even more flexibility.
I have had a simple checking account with TD Bank since they acquired Commerce Bank a few years ago. It’s been a relatively average experience. We used to not have ATM fees but they started charging $2.50 per ATM transaction (not at a TD Bank ATM) a little while back. But the hours are great, there are bank locations practically on every corner and there are no other fees as long as we maintain a $100 minimum balance, or overdraw our account, which we’ve never done. There are other perks to being a TD Bank customer: they have free coin counters at many locations, you can purchase Visa Gift Cards at no extra charge, etc. Overall we have had a good experience.
We originally applied for the Sears store credit card to purchase a patio set, because there was an extra discount for opening the card. We found out then that Sears consistently has special cardholder discounts, so you can use the card to get the discount and then pay it off right away. The interest rate is not ridiculous, considering it's a store card, but it doesn't really matter to us because we don't carry a balance on credit cards. I also like that the card can be used at Kmart and the Sears Portrait Studio. While we never had to use it, the 0% liability on fraudulent purchases is reassuring.
My Macy’s charge card is the first credit card I ever had, I’ve had it since I turned 18. There’s no annual fee, which I really like, and the interest rate is relatively low compared to other store cards I’ve had. I do typically pay it off in full to avoid paying interest. I really use it when I have a cardholder savings pass, which is pretty often. Plus, you can use the cardholder coupons on brands that typically never go on sale. I don’t regret opening my Macy’s card when I was 18, and I plan to keep using this card for many years to come.
I have had a Lane Bryant store credit card for a while now. I originally opened it to get 15% off in the store. This discount is applied in addition to any other promotions or discounts the store is currently offering, so it is a great deal. The interest rate, while comparable to other store cards, is quite high, so I make sure to pay it off as soon as possible to avoid carrying a balance. But it’s great to have for promotions and I use it whenever I shop at Lane Bryant. The card can also be used at Cacique, Lane Bryant Outlet, lanebryant.com and cacique.com and rewards are given for shopping at these stores.
The Household Bank MasterCard is a really good credit card for anyone who doesn’t have stellar credit. While there aren’t any rewards offered to the cardholder as a result of using this card, the comparable interest rate and relatively low balance transfer and cash advance fees are lower than my Chase Visa card. This seems like a good option for anyone looking to build (or rebuild) his or her credit. The annual fee is on the high side, but the rate is in line with other cards’ interest rates and the lower fees balance out the cost of the annual fee, in my opinion.
The Banana Republic credit card is smart for shoppers who frequent BR, Old Navy, Gap and Piperlime. You can earn 5 points for every $1 spent at these stores, and also Athleta, which I’ve never shopped at. These rewards are comparable to other store cards I've had in the past. The interest rate is pretty high compared to other store cards, so I wouldn’t carry a balance. I think it’s great that they also offer rewards other than the Gap store points, and give you 15% off for the first purchase after you’ve been approved for the credit card. You could apply, use it to get the 15% off and the reward points and pay it off every month.
We've had a Disney Rewards Visa Credit Card for at least five years and we love it. As frequent Disney World visitors, we know we will be able to use the points when on vacation. I put almost everything on this card and then pay it off each month. We have used the points towards our dining plan and annual passes, paying very little out of pocket. This card is a must-have for anyone who plans to travel to Disney. You can even get a rewards card at Downtown Disney once you arrive. The Chase app is super easy to use, too, making it even more convenient.
For JetBlue travelers, business travelers, even air travelers in general, getting the JetBlue credit card is such a wise decision. The excellent reward points offered by this card are well worth a $40 annual fee in my opinion. I currently have another credit card which offers reward points. While this other card does not have an annual fee, the rewards are no where near as nice, it's just 1 point for every dollar spent for pretty much every purchase. JetBlue's regular rate is quite low compared to the other card we have as well. For frequent travelers, this card seems like a no-brainer.
I was hesitant to work with a credit union as I never had before, but we had a Campbell's EFCU located right in my office at work and everyone said they were great. We decided to apply for a personal loan to consolidate some debt that we had accumulated and I knew the credit union's rates were really good. Within a few weeks, we applied for the loan and were approved, received a check and opened a checking account. I was even able to set up an automatic deduction so the loan payment was deducted right from my paycheck. Customer service was professional and they were always very accommodating. I would highly recommend this credit union and loan process to anyone looking for financing. It was one of the smartest financial decisions we ever made.
I have been a Kohl's cardholder for years. I love the coupons they offer for cardholders, you can save thousands of dollars just by using your card with their coupons. I also appreciate the fact that they provide a minimum amount you can pay to avoid paying interest, rather than paying the card off in full. I typically use the card online, and love that the site remembers your card information for ease of use. The bills are easy to understand. There's also no annual fee and you can pay it right at the store, if you're there frequently like I am. Another benefit is that employees can look up a purchase from your Kohl's charge to allow you to return an item without a receipt.