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It's a typical credit score site where you can get all three credit reports for free. The downfall is that you have to pay to get your actual FICO score which is what most people want. I didn't like that you have to actually call to cancel your service where they try to hold you as a customer which I find really annoying. It's a big hassle and most people forget and then get slapped with a fee of $21.95 I believe. This is site sponsored by Experian. Your trial only lasts for 7 days so it's a very small window. I probably wouldn't use this site again.
I believe if you are going to use a store credit card then it should have perks that go along with it. The Target Store card fits this requirement for me. This cart offers 5% off every purchase and free shipping when using it for online purchases.What is really smart is to pair up these incentives with CartWheel discounts and coupons. Then the savings goes through the roof. So if you are diligent and self-disciplined it is really worth your while to use this card for all Target purchases. The thing you need to remember and why I mentioned being self-disciplined is that you need to pay it off each month to avoid the high interest rates. Most, if not all store credit cards have the high interest rates like Kohls or Sears. The difference is that they do not offer these amazing incentives to use their card. We really got ourselves in a pinch using our Sears card for making large purchases. There were no incentives and we paid very high interest rates. In a financial point of view it just makes sense to use the Target Store card and pay it off every month. Another point to make is that you can find almost anything at Target. Groceries, household goods, toys, clothing etc. With their prices being reasonable to begin with I really don't think you can go wrong unless you don't pay it off in a monthly manner. If you don't then the discounts really cancel each other out with the 22.9% interest rate.
We have had GMAC car insurance for over 10 years. I have shopped around for a better price throughout the years and I've never been able to find anything cheaper. Whenever I call customer service to see if we can lower our price, they are always really helpful to see where we can make cuts. We've never had to make a claim so I'm not sure about that process with this company. Our insurance did go up when my husband got a ticket, but that is about to drop off so our rates should go down again soon. I would recommend this company without blinking an eye.
I've had my US Bank Platinum Visa for over 10 years. I have 11.9 percent interest. I used to have a large limit, but due to a mistake on my part and not paying on it for a couple of months the limit dropped to $1000. They were actually very cool and didn't report it or raise my interest rate. Luckily my credit score wasn't affected. I was even able to get my husband added as a co-owner of the card. They said that they will raise the limit soon. I'm sure I could do it now, but we are trying to buy a house so I don't want any inquiries on my credit report right now. This card has been very useful and is accepted almost everywhere. I'm pretty sure I've had it longer than my husband:)
Like most store credit cards there are pros and cons that one should look at. The Staples store card is very high interest at 27.99, but that is about the same for all store credit cards like Office Depot or Office Max. So if you don't plan on paying off the balance each month look elsewhere. You will be paying way more than what you probably spent on the actual items. Getting a store credit card is an excellent way to build up credit and they are usually easy to get. There is a deferred interest plan with this card for 6 months for purchases over $299. That is a nice feature, but you have to remember to pay it off in that time frame. There are also rewards that come with this card which are pretty good. You receive 5% back on all items purchased.
If you have excellent or good credit and you travel a lot, this Expedia credit card just may be the card you would want to get. There are tons of rewards attached to this card like the Marriott Rewards Premiere card. This interest rate wouldn't be too bad if you have great credit. I have seen better rates though. They also offer auto rental insurance and 0 liability on unauthorized charges which is great in this day and age with identity theft.
I have been a customer with Umpqua bank for about 5 years. I got a joint account with my mother so I could help her with paying bills and shopping. The tellers always have a smile on their face and never give me a hard time when I can't remember my account number. I don't use it often enough to have it memorized. They really took their time when my aging mother was having a hard time with some paper work. They are very patient. I love the bank because it has that small town feel to it. They always seem to recognize my face and especially my daughter. They just love her. I like that they have online banking too. Makes it very easy for my mom to check her balance. I have been more than satisfied with this bank.
I have been a customer with U.S. Bank since 1997 or 1998. I always receive the utmost customer service and haven't been disappointed with them in all these years. I have 3 checking accounts and numerous savings accounts with them. There have been a few times where I was overdrawn by a couple of hours and they were kind enough to reverse the fees. They have actually reversed many fees for me when a few unusual circumstances happened to us. Their online banking is fantastic as well. They even have a new feature where you can scan your paycheck and it will be deposited or you can pay a person money via online. It just sends them an email and if confirmed correctly with their bank the money is instantly transferred. I don't ever see myself switching banks. They also don't seem to charge crazy and outlandish fees like many of the other major banks do. Very satisfied customer.
I got a Chadwicks card when I was about to get married. I found the perfect bridesmaids dresses in there. This was a really quick and easy way to order all the dresses without having to collect money first. Like most store credit cards the interest is really high, but you just need to pay that balance off. One thing that is kind of a bummer is that there isn't an initial bonus for getting one. Most stores give you 10 or 20% off. There are reward points, but you would seemingly have to use the card often to get the benefit.
I've had my JCPenney Store card for may years. It really comes in handy around Christmas. I just make sure to pay it off within a couple of months or else you will be paying a very high interest rate. A high interest rate is pretty standard for most store credit cards that I've come across in my 35 years. The nice perk about this card is that you get 20% off your first purchase and if you use it frequently you get reward points. Those can really add up and give you additional discounts. I don't have a very high limit and I'm not sure if that's standard as my credit is in good standing. This is actually a good thing because it doesn't allow me to get crazy with it.
My husband and I have been customers with Western Valley for over 10 years. They know my husband by name and he in return knows most of the names of the employees there. We have received quite a few loans through them over the years and always get great competitive rates. We have never had one issue with the customer service here. It is above and beyond every time we need a loan. We are due to get another loan shortly for our house and everything is set and ready for when we decide to get it. I couldn't recommend this credit union any more if I tried.
With such an astronomical APR you are better off just using a regular Visa or Mastercard. The TJX card offers a one time 10% off offer like most stores such as Kohls. If you are going to pay off the balance each month you will be paying out your ears for that discounted shirt. That $10 shirt will cost you an extra $2.60 if you don't pay it off. If you charge a lot on the card that interest is really going to add up. A Target Red card would be the better choice as it gives you a reward every time you use it. This card would only be smart to get if you make small purchases and pay if off monthly. It's a good way to build credit.
I've had my Discover card since 2006 and after having many many credit cards this is one of two that we have. We always received excellent customer service. We get offers every so often to raise our limit and even just got an offer for a personal loan for 7.99% for up to $25,000. Another nice perk is the cash rewards feature. We still have a nice chunk of rewards, but are waiting for just the right time to use them. Most likely Christmas. You can cash it out, or just put it towards your payment. Our percentage is on the higher side, but when you pay off the balance each month that really doesn't matter.
The Capital One Platinum Prestige credit card is a good pick for those that are looking to build up their credit. One big perk is that there isn't an annual fee. Another great advantage is that there is an intro 0% APR offer until February of 2015. From then depending on your credit score the APR can be anywhere from 10.9-18.9%. Remember the APR doesn't really matter as long as you pay your balance in full each month. The biggest disadvantage that I see about this card is that it offers no rewards like many other cards do. For instance The Capital One Quicksilver Cash Rewards card. These cards are similar with a 0% APR intro and similar APR interest rates after the intro period. Even though the Quicksilver has slightly higher APR rates it offers cash back rewards. This can be a great thing if you use your credit card and pay it off every month.