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This card has minimal rewards, and higher interest rates. I personally would rather choose a card that has lower interest rates, unless I were shopping regularly at the store, and able to my card off every month. I think there are some nice offers, including the introductory bonus, as well as offers throughout the months. If I were an avid shopper, these perks would be great. Especially if I were just using this card for the extra perks, and paying it off at the end of the month, EVERY month. Macys has a store card that does not offer some of the benefits this card is offering, outside of additional percentages off in store during sales. Which happens often, but there are not individualized bonuses for shopping like there are for this Victoria's Secret store card. Seems like an OK card, as long as the bill is paid off every month!
Wow! This card has GREAT bonuses! The $200 after $500 spend in the first three months is incredible! Especially if you just use it for all purchases, and pay off by the end of the month! I have not seen a card with such a high bonus before. I have had Discover for several years, and have never gotten that great of a bonus. I also think the interest rates are competitive, especially on the lower end. Also, the balance transfer period is 15 months 0% interest. The cards I have seen or had have all been 12 months 0% interest. Great interest rates, great promotional period, and great bonuses! I think the Chase card is great!
The American Express prepaid card is a pretty good card. I think with a prepaid card, you are spending money you HAVE, and keeping track of your purchases. American express prepaid has high deposit limits, and minimal fees. Although, I would prefer if they had partnered with some bank that offers free ATM transactions, rather than just one free transaction yearly, and then a $2 fee from then on. I would personally appreciate that option to use an ATM for free most of the time. One major downfall is limited locations accept American Express. Overall, the American Express prepaid card is flexible, and a good deal. It would just be better with free ATM’s and if more stores accepted it!
The Old Navy card is an OK card. It has pretty high interest rates, and bonuses, but they are minimal. I think it is nice that it is a Visa, which is more widely accepted, but the interest rates are high! They also don’t have promotional periods, which I think is great for a store credit card to have. It does have a 23 day grace period, which is very generous. Especially in this economy, where people sometimes are a little more hard up for cash, and are unable to make the minimum payment on time. Not having to worry about late fees as soon as the due date passes is great!
Wow! The Walmart card has some great benefits! There are bonuses, a lower interest rate as far as in store credit cards are concerned. I have seen 24%-25%. Walmart’s is still high, but lower than many others I have seen. In addition, there are promotional periods that offer a 0% APR which is great when you have major purchases, but want to be able to make payments, because they are too costly for a one time buy. There is also not an earn/redeem limit, which I think is GREAT. Even if I have only earned $10, it looks like I can redeem it. Much better than my Discover, which has a minimum of $50 I think, and in four years, my rewards are at like, $7. So, yeah, won’t be redeeming those any time soon. I am impressed with the overall perks with the Walmart card. I would appreciate a lower interest rate though. Less than 20% is much more ideal.
The Sears card looks great, as long as you pay within the 0% APR period. Otherwise, the APR is really high! I think the best utilization for this card would be for major purchases, as long as it can be paid off within the 12 month period. Even my Macys card had a lower interest rate, and I felt that was way too high at 24%! The Sears card appears to be over 25% after any promotional periods, and I feel that is just too high. It traps people that may get themselves in a bind, feeling they can meet the 0% interest terms, and not get it paid off. This may be the consumers fault, but I feel companies should be held somewhat accountable to their customers as well.
I love this card! They have lower interest than many competitors, at least for me. They also have decent introductory zero percent APR on balance transfers offers. In addition to these two aspects of my Discover card, Discover has an AWESOME customer service department! They are speedy, kind, and reliable. I have dropped all other credit accounts besides this one because I feel like a valued customer with them. This can be hard to find with these large companies! So, because Discover has offered great interest rates, really good introductory APR’s on balance transfers, AND a higher credit limit, I have been able to close all my other credit accounts, and stick with the company that treats me like a valued customer. That is Discover! I love it!
I have been a customer with Primesource Credit Union since 2006. I have taken out a personal loan with them, as well as maintained checking and savings accounts. I have been nothing but satisfied with them. They have employees that are knowledgeable, and thorough. They were flexible with my loan payments, as long as I made the payment within the grace period, there were no fees. I never acquired any late charges, because their grace period was very forgiving. My new checks always come to me in a timely manner, as well as any debit cards that I have ordered, or reordered because I had to cancel my current card (ie, lost or stolen cards). Primesource is also a member of shared branching. This means that I can bank at any other credit union that also participates (which is most of them), without extra fees. This includes ATM's! I absolutely LOVE this because there is a credit union pretty much anywhere that I am, so I do not have to pay ATM fees EVER.