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A few years ago I was in a minor accident, which was the other driver's fault. At the time I had Nationwide while the other driver had 21st Century Insurance. I actually found it easier dealing with 21st Century than my own insurer. The customer service representative was warm and efficient. I decided to switch to 21st Century after the incident. I have been happy with them for the most part. I currently pay just around 100 dollars a month. With Nationwide I was paying around 115. That is not a huge difference but it does save me almost 200 a year, which is nice. I have not had to file any claims thus far, so I don't know if they would treat me as well if I were the cause of the accident. There have been no hidden costs and everything seems to be very clear about the policy. Things have been good so far. I really can't complain about their service. Hopefully it will continue that way.
I have a value checking account with Wells Fargo. I do the vast majority of my banking through credit unions, but they are not always convenient in terms of ATM machines available when traveling out of the area. My parents have always had accounts with Wells Fargo so I keep my small checking account open to make transfers to and from them easier. The convenience is fantastic, but I don't like the fact that I have to pay a 7 dollar fee on my account per month if I drop below 1500. That is essentially every month for me. I don't think you should ever have to pay a bank to just hold your money. I will say the few times I've gone into my local bank, I have been treated very well. Other than the 7 dollar monthly penalty I don't really have any complaints.
There is nothing that really impresses me too much about the American Eagle Outfitters credit card. The variable APR of 23.99 is higher than that of Dillards, but lower than JC Penny, Belk and TJ MAX. The 15% off initial sign up bonus is the same as what you would get at Dillards. I think the overall rewards points are not that great either. At Dillards, for example, you get two points for every dollar spent at gas stations and grocery stores as well as in store purchases. Here it looks like you get 1 point for every dollar spent at American Eagle or Aerie. There are 4 exclusive cardholder events are year, but without any details, I'm not sure even that makes this card worth it.
I kind of like what I'm reading about the Citi Simplicity credit card. There is no max APR penalty or late fee and you get 0% APR for the first 18 months of being a card member. On my Visa G rewards, the intro rate was 1.99% for the first 6 months. The regular rate on this card is 12.99-21.99% depending on your credit score. Not so bad if you can keep on the low end. On my Provident and G rewards cards, I sit roughly between 14-15 %. This card is intriguing to me. There are no rewards, however- at least none that are listed. This may be a difficult card to obtain if you don't already have an excellent credit score, but if you do, I think having a card like this could be quite nice. I think I'm going to investigate it further.
As far as in store cards go, the Dillard's credit card is not so bad. Most in store cards, JC Penny, Belk, and TJ Max for example, have an APR around 25%. The Dillards card has a variable rate between 13.99-21.99. More reasonable in my opinion. I also like the rewards system better than most other store cards. Not only do you earn 2 rewards points for every dollar you spend at Dillards, but also when you buy gas and groceries. It is nice to get rewards points for essentials. The TJ Max card offers only one reward point for every dollar spent outside the store, but does give you 5 points for in store dollars. The APR is pretty high at 26.99 though. On both the Dillards and TJ Max cards you get 10% off the first day of shopping upon signing up. With the Belk card you get 15% off. Frankly, getting a percentage off the first day of shopping doesn't really sweeten the deal for me that much. You could go into a random clothing chain and get 10-15% on any given day just based on a current sale.
The Sony Card from Capital One looks like an okay card if you purchase a fair amount of Sony products. If you get the card now, the intro rate of 0% interest will last until July 2014, so almost a year. That is not too bad of a deal. You also get 5 rewards points for ever 1 dollar you spend on Sony products at authorized retailers, and 3 points per one dollar on dining out and movie purchases. Also, not too bad. Everything else is 1 point per dollar spent, which is pretty par for the course. My Visa G rewards is the same in that regard. The regular rate is variable and falls between 13.9-24.9%. That is an eleven point range there. I just never like that kind of uncertainty. It really seems unnecessary and only serves the purpose of bilking customers. I guess a comparable card would be the Playstation credit card. That has the same large, variable rate. Why? I honestly think you would be better off with using another credit card with a lower APR, unless either of these cards don't fluctuate that much. I think it is something you would really need to research before signing up.
I like the American Express Serve. There is no activation fee and no monthly fee. Never, ever use a prepaid card that requires a monthly fee when there are so many out there that are free of charge. A good example of an absolutely terrible prepaid debit is the Upside debit. You could be paying up to 4.95 a month on this card and you have to pay for customer service. Utterly ridiculous. The Serve debit is far better. You do have to pay ATM fees, but I don't think that can really be avoided. If someone knows of a prepaid card that gets around that, let me know. I think perhaps one drawback is not every where accepts American Express. That may require more ATM withdraws than you would otherwise have to make with another prepaid card. All and all, I still think this is a good option if you are interested in getting a prepaid, which is something I always recommend.
I am definitely not sold on the TJX Credit Card. I think the initial bonus of 10% off your first purchase and then 5 points rewards on every dollar is too paltry of a deal to justify the 26.99% APR, which is also variable. In general, I don't really think in store cards are worth the interest you end up paying. That includes other chain stores like Belk, JC Penny, Lord and Taylor etc. Almost all of them have an APR in the mid 20's and they don't really justify that with their bonuses. The 10% off initial bonus is even a little low in comparison to others. Belk, for example, offers 15%. I think this is a definitely a case of buyer beware. I think you would be much better of paying with cash or debit. I have bought plenty at TJ Max, but there is absolutely nothing in that store worth paying that much interest on.
The JetBlue Credit Card is another card that doesn't look too shabby. One thing it doesn't have which other cards do, is a lower intro rate than its regular rate. For example, my Visa G rewards has an intro rate of 1.99% for the first 6 months while cards like the Discover More and American Express Blue Cash Preferred offer 12 and 15 months respectively of no interest on purchases. The regular rate of 15.24% is lower than the roughly 16% I pay on the G rewards. It is variable however, and in this case I don't see an upper limit. That always make me wary. I'm not too sold on the rewards offered on this card either. It is more of a card for traveling I suppose and I am more into cards used for every day living.
The Blue Cash Preferred from American Express looks like a card worth investigating. The introductory rate of no interest for 15 months really stands out. Another card I recently looked at, and actually liked, was the Discover More, but it offered "only" a 12 month intro rate of 0%. This one has it beat by 3 months. The cash rewards of 6% at US supermarkets is a really nice deal I think. I make most of my meals at home and spend most of my food money buying groceries. This would be a good card for a family who does a lot of grocery shopping. Here again is a variable rate that could potentially fluctuate nearly 10% though. Also, there is a max penalty of 27.24%. You have to be careful, but I suppose that should be said about any credit card. All in all, I think this is a not a bad card. I still recommend looking into your local Credit Union before you take the plunge on a major credit card company.
The Discover More card looks like a promising credit card. The 5% cash back bonus on things like gas, groceries, home improvement, and travel may be something nice to have if you plan on making those purchases anyway. The base rewards earn of "up to one 1%" is nothing too special, however. Both my Visa G rewards and Provident credit cards only offer 1 reward point for every dollar spent. However, the 5% cash back bonus on certain items for the Discover card, has my two credit cards beat. Also, the into rate of 12 months of no interest is a pretty nice deal. My introductory rate on my Visa G was 1.99% for the first 6 months. If the regular, variable rate doesn't get up to its peak of 20.99% this might be a nice card to look into.
The Brooks Brothers credit card looks alright if you are a fan of the clothing line. The variable APR, 14.24-21.24% is not bad in comparison to other retailers. Most, Belks, JC Penny etc., run about 25% as their base rate. Not so bad on this card. I think if you frequent the store, it may just be worth having this card. The initial 15% off bonus for signing up is a nice perk. The max earn, 4, for rewards points is also higher than many of the cards I have seen. Belk and JC Penny offer only 1 point max, for example. It also looks like you get a 20 dollar off card on your birthday and Anniversary of signing up. That is also not a bad deal. I have to admit, and I am a pretty hard sell, this looks like a decent card. I may have to take a look again at Brooks Brothers and see if there is enough I would like to buy to merit this card.
The Household Bank MasterCard credit card looks like a starter card to me. You only have to have fair credit, so it looks like approval would be pretty easy. The APR runs from 14.99 to 19.99%. That is not too bad. I think for someone maybe trying to improve their credit, this card would be something worth looking into. You really have to be careful about accruing penalties, however, for the rate is almost 30%. I think those wishing to improve their credit scores might want to look into the First Progress Platinum Prestige MasterCard. It looks like this one doesn't have a max penalty. For those with a history of failing to make payments, this might be less harsh for those who occasionally cannot pay their monthly fee. The APR base rate is 18.99% on this one. Once again, I implore you folks to be careful with these cards. You don't want your money to be sucked into a black hole.
The Lord & Taylor Store Card has a base APR of 25.49%. I already don't like it, though that is on par with most other retail stores I have seen. For example, the Belk store card has a regular rate of 24.49%. So, I am pretty against store cards like this in general. Paying 25 percent interest is just not financially intelligent. Be smart about your money and just get what you can afford at the store with cash in hand. The initial bonus of 15% off only lasts the first day you use your new card, and while they are periodic bonuses, I just don't think it is worth it. If you insist on using a credit card, something like the Visa G rewards, which I own, would be better. The APR is roughly 16%. It seems like you are paying too much interest on a Lord & Taylor store card for very limited perks.
In general I love prepaid debit cards because they promote financial responsibility, but there are far better cards out there than the Upside prepaid debit. First off, a monthly fee that can be as high as 4.95 is utterly ridiculous. Moreover, paying 2 dollars for live customer service and .99 for automated is insane. That is about as predatory as you can get. You would be far better off just going your local retailer and getting a Visa or Master prepaid debit. You can load up money and pay a fee for activation. Most of those cards don't have a month to month cost, though to reload money you sometimes have to pay a small fee. All in all, that certainly beats the Upside prepaid debit. I recommend avoiding this card like the plague, for there are far better options out there.
The Sunoco Credit Card has a variable APR, but only lists the regular rate of 16.99%. Like always I am wary of variable rates, especially when the range is not listed. I also don't see the max penalty listed. Getting rewards for spending money on Sunoco gas is a nice perk. However, it all depends on how prevalent Sunoco gas stations are where you live or are traveling. A company like Shell has more locations, but looking at their credit card, I see an APR of 23.99%. That is simply awful and of course it is variable, so it could go even higher. You would be better off with a Sunoco card in that case. Frankly, I think in most cases you probably are just better off paying cash unless you are planning a long road trip.
The Visa G rewards is one of my cards that I think is pretty decent. Yes, the APR is variable(anyone who has read my reviews knows that is something I harp on), but mine has mostly stayed around 16.24%. I don't like the fact that they don't list an upper limit and the max penalty is 27.24%. That is getting a bit steep in my opinion. Another thing I have mentioned before is credit unions. Seriously folks, look into getting a credit card from your local union. I have a visa from Provident and my APR never has gone above 15%. The max penalty is 18%. Yes, they still want to make a profit, but they seem less predatory than more major credit cards. With that said, my Visa G is not a bad card if you are careful to pay everything off quickly. The 24 hour customer service is nice and I have never had a problem talking to a representative. The 20x points for one dollar spent on qualifying purchases is a nice perk, but so far nothing I have bought qualifies.
I have only had a checking account open with them for about a month. I've been a member of Coast Central for 5 years and love it, so I decided to look into another local union. This one is about as local as you can get. I am within walking distance of the bank. I have actually met the CEO, Richard Ayala, and he seemed really down to earth and I got the feeling he was of the philosophy that he and his union can make a profit without resorting to predatory tactics that bilk customers. The staff is very small and personable. I applied on their website, and the process was very easy and painless. There are no hidden fees that I am aware of so far, and one of things I like best is I don't pay a penalty if my checking account drops below a certain amount. That is the main reason I left Bank of America in the first place. I got charged twice a month if my account dropped below 1500 or I didn't get a direct deposit of at least 250. So basically a penalty for no being overly wealthy. The one drawback to Northern Redwood and really a lot of Credit Unions is you are not going to find ATMs out of the immediate area. I don't travel a lot, so it really has not been an issue as of yet.
I simply don't like the variable APR on NFL Credit Card. 13.74-22.74% is almost double digits. That is a bit silly to me. Both my Visa G rewards and Provident rewards cards fluctuate only 5-6%. I think when you start seeing fluctuation higher than that it really can become highway robbery. I personally like to get as stable of an APR as possible, so I can plan for future expenses. With that said, if you are careful and frequently shop NFL.com this could be a good card for you. 2 points on every one dollar you spend and 20% off every 100 dollars you spend at NFL.com does look tempting if you are a big football fan. I'm still kind of wary of a card like this though. If you are a football fan and can weather a potential 9 point APR leap, I say go for it, but otherwise it probably would be best to avoid this card.
The Menards Store Card looks like a good card to have if you do a lot DIY work on your home. There is no APR listed, so I assume it probably is set based on your credit history and history at the store. That probably is a good way of doing things. I have a card from Provident Credit Union that sets the APR based on the first few months of using the card. There is a range between 8-13% initially. Then it sits between 11.99 and 15.99% depending on your credit usage. It really is a pretty good deal. If the Menards card is similar, that would be great. I think the 2% annual rebate is a nice perk to the Menards card as well. If you are going to spend the money anyway on a project, why not get something back? The rewards is the standard I see on most cards, so nothing really special there. From info provided on this card, I looks like it might be something worth looking into if you have a home project planned.
The Carnival Credit Card does not look like a bad card at all, but I've seen better. Unfortunately, most cards have a variable rate these days, but at least the rate on the Carnival card will only fluctuate from 13.99-20.99%. That is not as good as the Visa G rewards, but it is not as bad as some that fluctuate over 10 points. On My Visa G rewards card the 16.24 APR is variable and has hit above 20 before, but not too often. The rewards on the Carnival card are on par with most other reward cards I have seen. This card would certainly be useful if you plan on taking a lot of Carnival cruises, but otherwise I think getting a card from a credit union probably would be more beneficial. I have a card from Provident Credit Union with an APR that fluctuates only 5% and the max penalty is 18%. To me that is more reasonable. The max penalty on the Carnival card is 27.24%. Yikes. You also have the option of raising or lowering your APR in favor of more or less rewards points on a Provident card. It seems more flexible to me.
I first got a checking and credit card account with Coast Central about 5 years ago. I have never had any problems. I once had my credit card information stolen and many transactions were made in the 12 hours before I found out. I went in person to the Coast Central bank in Eureka and the customer service rep. I spoke with got everything cleared up right away. The card was cancelled and I was not accountable for any of the fraudulent transactions. I was issued a new card very shortly. About a year ago I decided it was time to purchase a house and naturally decided to do my mortgage through Coast Central. Once again, I have had no problems. They are very fair in their practices and disclosures. They are nothing like those predatory major banks you hear about. I am by no means rich, and they worked out a plan with me that allows me to make monthly payments with ease. I have have been very happy the 5 years I have been banking with Coast Central.
I would say the BJ's Credit Card is an okay card. About in the middle of the road as far as credit cards go. The rewards of 1-2 points for every dollar spent is pretty standard, so nothing there really gets me excited. Like pretty much all cards these days, the APR is variable. 13.99%-24-99% is a pretty big range, so that makes me wary. The max penalty is 27.99%, which is starting to get up there, but not as high as say something like the Huntington Bank Platinum Plus Credit Card with WorldPoints Rewards that hits 29.99%. I think if you are interested in rewards earnings, something like the Visa G rewards card is better. You get up to 21x at certain merchants, also the the APR of 16.24% remains more stable, at least in my experience. BJ's Credit card has no annual fee, which seems to be staying in line with many other cards. Like I said, pretty middling, but not too shabby.
The New York Jets Extra Points Credit Card is not a bad card to have in your stable of credit cards. It is awesome for NFL fans because you get 20% off when shopping at NFLShop.com. You also get bonus reward points for anything bought related to football, and get cash back credit statements toward travel, tickets, game passes, and many other things. The regular APR is 13.74% - 22.74%. That is not too bad, but could be better. I think it is on par with my United MileagePlus Explorer Card. You get nice perks with both, but I would say the 15.24 APR is a little more constant than that of he New York Jets Extra Points Credit Card. I do think, however, that the Jets card is a must have if you are big football fan and are planning on spending some serious money at NFLShop.com.
The Huntington Bank Platinum Plus® Credit Card with WorldPoints® Rewards has a decent max late fee and no over limit fee, which is great. I’m not so keen on the APR penalty rate of 29.9%, however. What is kind of the deal breaker with me is the variable APR rate that falls between 12.99% and 20.99%. That could lead to trouble. The 1 point per dollar spent is not too bad. I have used the Visa G rewards card and it probably is slightly better than this. The 16.24 APR is variable and has hit above 20 before, but not too often. The rewards are nice though. Some merchants give 21x, which is awesome!