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I have been an American Family Insurance customer for a little over two years insuring my vehicle. The initial process of setting up and finding coverage that suited my needs was painless and quick. The biggest issue I have is that I pay my bill online, however I still receive paper statements monthly. It's not a huge deal, but it's also not very green. My experiences with their customer service have been great. Every once in a while I'll get a random phone call asking if my needs are being met, and to see if they can find a policy that would be cheaper for me. Overall American Family Insurance has been a great fit me.
The Household Bank Credit Card is a no frills card. With no introductory rate, and an annual fee, this card is best used when there aren't many other options. Most credit cards I've used offer some incentive to sign up, this really doesn't do that. No rewards, and an annual fee make it an option most likely reserved for those trying to rebuild credit. The annual percentage rate however, is a bit lower than most cards I've used, so you should take that into consideration when deciding whether or not this card is right for you.
The American Express Gold Card is an excellent choice if you can pay the full balance every month. Utilizing the Gold Hotel Collection perk could more than pay for the annual fee that starts during the second year. The American Express Gold Card is better than most cards I've had like it. The points and discounts you earn really make this card worth having, and no other card can really compete with it.
The Wells Fargo Secured Card is a great way to electronically pay your bills and make online purchases. This card is no substitute for a bank account and obviously comes with a price. The annual percentage rate is in line with most cards available. The fact that the deposited collateral amount doesn't earn you interest, is not ideal. This card is a great option if you're looking to start or rebuild your credit, however it comes with the price of annual fees, and putting down collateral. Overall it's comparable to other cards of this type.
The AAA Member Rewards Credit Card seems like a fairly typical credit card. Compared to other cards I've had it is definitely lacking the incentive of an initial introductory rate. The annual percentage rate is comparable to most cards I've used over the years and seems fair. The extra bonus points on travel related purchases is a good deal if you find yourself on the road frequently. The card doesn't have an annual fee which is a very nice perk for a credit card. Overall the AAA Members Rewards Credit Card, looks like a great card, especially for travelers.
I originally opened a Kohl's card when I was making a large clothing purchase, upon opening an account I received fifteen percent off the purchase. The card is great if you choose to pay off your balance every month. The annual percentage rate isn't that great but, it's comparable to most store credit cards. Kohls does offer exclusive discounts when you use your card for purchases, and I'm constantly getting coupons in the mail from them. Overall the card is great to use if your going to be shopping at Kohls regularly.
The U of I Employees Credit Union wasn't a place I had considered using for banking services until I was looking for a loan for a new motorcycle. Being close to my work, I went in randomly and was immediately help by a friendly staff. They took the time to work with me through various scenarios so that I could find a loan on terms that worked for me. This was a process that took several days and they were there for every step. I still receive calls every once in awhile just to make sure I'm happy with the way things are going with the loan. Overall their customer service is beyond excellent. I have since opened a savings with them and its been ideal. Great service with a small town vibe.
I started using Old National Bank as a student at Southern Illinois University in Carbondale. This was not my first checking account, but the employees at the bank must have thought it was. The customer service was anything but stellar. A typical visit to the bank included at least a 5 minute wait in the lobby through a zig zagging line you would normally see at an amusement park. I don't understand why they didn't have more tellers available at such a busy branch. I had an overdraft fee attached to my account when I deposited cash, and then later that day purchased a meal through my debit card. It took almost forty five minutes on the phone to get the charge dropped. I cant speak for every branch, but the Carbondale location would seemingly administer fees to students just to see what they could get away with. I switched banks shortly after the overdraft incident. I highly recommend using a different bank.
The Menards Store Card is a decent card to have if you are making a large in store purchase like an appliance. The initial ten dollar bonus is a nice perk as well. The annual percentage rate is much higher than what I have on my Lowe's card. That is definitely a drawback as you wouldn't want to leave a balance on the card for long. If you are a contractor, this card would be great to put your purchases on as you earn a rebate of two percent of all your purchases bought in store. In general the Menards Store Card might be best served to have and use in case of an unforeseen household emergency.
The Hilton Credit Card seems like it would be a great fit if you traveled often. The rewards system is a nice feature, especially the initial bonus. The transfer rate and annual percentage rate are almost identical to the credit cards I now have. An especially nice feature of the rewards system is that there are no blackout dates when redeeming your points. My Amtrak reward card is notorious for only allowing certain dates for redemption. The one thing I don't like is the foreign transaction fee. If you're someone who travels a lot, this would be a bit of a nuisance. If you take into consideration that there is no annual fee however, it kind of balances out the foreign transaction fee. The Hilton Credit Card looks like a good option overall especially if you travel often.
The Brooks Brothers credit card looks like a pretty typical store credit card. The annual percentage rate looks to be similar to other store credit cards, a bit on the higher side of the scale but acceptable. The rewards program does seem like a nice perk. You would have to really like Brooks Brothers and purchase a lot of their products to see the benefits of the program, however if you do, it is a good incentive to get the card. All of the fees associated with the card are just about like any other store card I've had. The biggest perk of getting the card would have to be the twenty dollar annual birthday reward, which is a great bonus. It would be nice if the card offered a lower introductory rate. Several of the store cards I've had over the years offered this, and it's a nice incentive, especially if the initial purchases are larger. Overall it would be a good card if you do a lot of shopping at Brooks Brothers.
The Citi Dividend credit card was one of the very first credit cards I ever had. It has proved to be a very useful card. I've always had very good experiences anytime I call customer support. Being that it is part of the Citi brand, I don't think there has been any store that hasn't accept the card. I've found my annual percentage rate to be acceptable, and is on par with other typical cards as long as you don't make any late payments. I would tell people who are just starting to build credit to give this card a try. The fact that it doesn't have an annual fee is a great perk for those in the early stages of building credit. Overall a good option if you are in the market for a credit card.
The Lord & Taylor Store Card seems alright, especially with the initial fifteen percent discount. This card would be good if you had a large purchase, and wanted to take advantage of the initial discount. The annual percentage rate is quite high, but if you pay it off each billing cycle you should be fine. This would be a great card to have if you really enjoy their store, or frequent their on-line site a lot. This card seems fairly comparable to other store cards I've had. Their annual percentage rate is actually lower than several I've had in the past. Overall seems like a reasonable offer to those who enjoy Lord & Taylor.
I use this card for typical home maintenance purchases. This is great because it allows me to see exactly how much I've spent on repairs and upgrades to my home. Their on-line bill pay system is very easy to use. The card offers no annual fee which is great, but the annual percentage rate is pretty high, so paying off all purchases as they are due is highly recommended. I also get infrequent coupons in the mail for use with the card. These are usually best used for big ticket items, but any little bit helps. I think the card is great overall, and would most likely recommended.
I opened a checking account via an on-line promotion. So far the customer service has been phenomenal. Their on-line banking is great. I regularly get phone calls to just check up and see if all of my needs are being met. The staff inside of the actual bank itself is always friendly and helpful. My only complaint are the fees associated with withdrawing cash from an ATM that isn't in the banks network, a seven dollar and fifty cent fee is a bit steep in my opinion. Their application for my iphone is also convenient easy to use. Overall the bank has been great so far and I'd highly recommend it.
This card seems to have a pretty high priced fee structure. There are other options out there that don't seem to have the same high priced user fees. The customer service fee is probably the worst I've seen. You shouldn't have to pay for support for a product that you have paid for, or in this case paying for. Obviously a free checking account would be the best alternative choice, but if you are unable to obtain one this may be a viable option. Using it to pay for bills and on-line purchases in a secure manner could be worth the fees to some. I've used a prepaid card through wallmart before, and the real difference between these two cards is mainly the fee structure.
I've had the Capital One Platinum Prestige Credit Card for several years, and I use it for everyday purchases. With a zero percent introductory interest rate and no annual fee the card has been great. Over the years I've always had good experiences with customer service. With prompt payments, and low balances my limit has gone up and up. I have been able to use this card everywhere, and don't even think to look if places will take it. Overall this is a great card. I would highly recommend this card to anyone who is in the market for one. It has been great for me so far.