+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
From what I have experienced so far, the Bluebird Card by American Express is a very viable prepaid option. For ordinary transactions, there are no fees. There are no maintenance fees either. You can also use checks with this card, though they are pricey to obtain. Getting cash can be an issue because they do charge for that. Direct deposit is a snap with this card. The mobile allows you to remotely deposit checks, which is a real convenience. Overall, I’m pleased with the card.
Wow, the First Premier Bank MasterCard is bad! It costs $95 dollars to apply for it then you are charged a $75 annual fee year one and $45 plus $75 as monthly fees after that. Since that means it really costs $170 just to get the card, I would think a secured card for a similar amount would be the better route (like Capital One). The interest rate is outrageous. While I understand some people have had credit problems, cards like these do not help the situation. Such people are really looking for a helping hand, not a slap in the face. Folks, you can do better than this. Avoid this card like the plague.
My experience with Liberty Mutual was from the other side of the transaction. Usually people write reviews as direct customers, but my interaction with them deserves a mention. I was in an auto accident with another driver who was insured with Liberty (and yes, they were at fault for the accident). Although my insurance company completely stepped up and took care of me, I had to notice that Liberty was doing the same for their client. We interacted with them on several occasions and they settled the claim quickly and fairly from their side. Our insurance company kept us in the loop, but there was no delay or hindrance from Liberty. I was impressed and certainly respect their handling of the incident. For those who are in the market for another insurance company, you may really want to check them out.
If you shop (or would like to shop) at Brooks Brothers, the Brooks Brothers Credit Card is worth investigating. Those bonuses are sweet! 15% off your first Brooks Brothers purchase, a $20 annual birthday reward and a $20 rewards card when you make your first purchase outside of Brooks Brothers with your card are very tempting reasons to get this card. The only thing not to like is high late fee and the short grace period (many grace periods I see are 25 days, but I believe only 21 days are required by law). Hey, I need a couple of new suits anyway. My advice: get the card.
While the idea of not having to submit to a credit check is nice for those in such a position, the card is not the one you want from American Express. They have another card that can also be requested online called Bluebird. In fact, you cannot have a Serve account and a Bluebird account. The Bluebird account has higher account limits for transactions and balances, plus most of the same benefits as the Serve account (I believe the Serve account balance limit is $2500 in contrast to $100,000 for the Bluebird account). Bluebird is offered through some partnership with Walmart. If you like the idea of an American Express prepaid card, skip Serve and go with Bluebird.
My overall experiences with Altura Credit Union have been very favorable. First of all, interacting with the teller is very unique. They are not physically present, but available via a terminal screen and headset. This may seem to put some people off, but when you have kids with you or are multitasking, this works to your benefit. You do not interrupt what they are trying to do for you. They have offered attractive auto loan rates too, so much so that me and my family have financed two vehicles through them over the years. Lately, however, they have gotten into the up-your-fees game. Fortunately, they gave us a heads up so we could plan accordingly.