+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
Until getting this card I hadn't had a store credit card in almost ten years, I almost always either pay for everything outright or put smaller purchases on a regular credit card. However my laptop died and I needed a new one right away and I didn't have enough money to get the one I wanted. I also didn't want to put it on my regular credit card because I knew I wouldn't be able to pay it off for a couple of months. Getting the Best Buy card allowed me to get what I wanted while being able to pay it off over time. As long as any purchase I make with the card is paid off within 15 months there's no finance charge, which is great. Although if you don't pay it off the interest rate is pretty stiff, so make sure you pay off your purchase. I had no trouble getting approved even though my credit isn't the best, and I haven't had any issues with it since. I highly recommend this card if you are looking to purchase any electronics but don't want to pay for it all up front.
I've been working on rebuilding my credit over the past 18 months and this card has been very helpful in doing so. I made a deposit of $300 and the annual fee is only $29, which seems to be pretty standard for secured credit cards. The APR is pretty low compared to the other card I have at 14.99%. I'm not sure how their customer service department is, but only because I've never had to call them - which to me means they've been great. I haven't gotten any random fees or charges or anything. The only downside is that it takes a minimum of 18 months to convert the secured card into a "real" credit card, but as long as I'm building credit I'm okay with that.
Over the years I have tried using all the major national banks and they have all caused me endless frustration. About three years ago a friend was telling me about the credit union he was using and how happy he was with them - it was BECU and I signed up the next day and have been happy ever since. Boeing Employees Credit Union has always provided me with great customer service and has never charged me with the seemingly random fees that other banks always tacked on to my account. For me the sign of a fantastic bank is when I never have to contact them, which is exactly how it is with BECU. I've never had to call and complain, whenever I've had to go into a branch the experience has been short and pleasant. As an added bonus I get paid interest on the balance in my checking account. I highly recommend BECU for anyone looking for a new banking services provider.
Only recently have I paid attention to my credit score and - no surprise - its not the greatest in the world. While researching how to best improve my credit rating I came across the Capital One secured card, and it has been a good experience. I will go to the grocery store and spend about $150 each month and then immediately send a check in to pay the balance. This way I never have to worry about the interest rate and build up my credit. I've never had any issues and they report my payment status regularly, which has increased my credit rating. I highly recommend this for anyone looking to build up their credit rating.