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I have been a member at DCU for over 4 years and I have absolutely nothing to complain about. Right now I only have a checking account and savings account, for which my dad is also jointly authorized to access. This was convenient for my four years of college since he was the one paying the bills and needed access to withdraw my share of the payment. When I signed up I was given two checkbooks for free, and I have never been charged any sort of suspicious fee. Another great feature is that despite not having ATMs everywhere, DCU still reimburses all my other ATM fees at the end of the month. I personally think that is amazing. The staff at my Westborough, MA branch are always very friendly, and even when they are closed I can still make withdrawals and deposits at their ATM. DCU could not be any more convenient. I also use the Bill Payer feature online to make payments to a few individuals, and I think it's a very nifty feature. Soon I am looking to take a personal loan to finish paying for school and I have confidence that my experience with that will also go smoothly!
The Citi Forward Card offers decent terms, but you are likely to find other cards that will maximize your rewards points. There are some nice qualities though, such as no annual fee and 0% APR for the first 12 months. My gripe is with the rewards system. Unless you buy a lot of books, movies, or music, you might not rack up points that easily. 5 points for every dollar spent at restaurants is nice, but as a college graduate I still don't have a lot of money to throw around at restaurants. And then it's just one point for dollars spent on everything else. Personally, I believe my Amazon Rewards credit card has a more fruitful points system, especially for those who do a lot of Amazon shopping (triple points for Amazon purchases, and double points for restaurants and gas stations). Plus with the Amazon card, you can spend your points directly at checkout, as opposed to just getting $100 gift cards with the Citi card for every 10,000 points. Not a bad card overall though.
I love my Amazon Credit card. The points system is designed to my liking, and I end up racking up points fairly quickly. This allows me to either get little things here and there like movies and music, or take a $20-$40 chunk out of something larger I am buying. I do a lot of my shopping on Amazon so the points get tripled on those purchases. I buy gas every other week and go out to eat with my girlfriend every couple weeks so all those points get doubled! When I signed up they took $50 off my Amazon purchase, and using the Chase website and mobile app is a breeze. They are also very fair with regard to minimum payments if you're in a squeeze. As a 22 year old college graduate, there are few cards that could better suit my needs. If you like earning free stuff from your everyday purchases you should go with this card!
The Target Red Card has been great for me. I have been using the card for about 6 months while shopping at Target roughly once a week, and it has saved me about $20 so far. It's nice to have for those larger purchases because it basically acts as an instant 5% off coupon. As a college student I have not needed to buy those big ticket items yet, but I know I will be needing some basic furniture and accessories for the apartment I plan on moving into next year. The regular APR of 22.9% is fair enough, considering that they allow you to make $35 minimum payments. If you think it's too high then be sure to make regular full payments. I have a few other credit cards, but I got a Target card to continue building my credit score. As an avid fan of Target (and an adamant hater of Wal-Mart) the 5% off feature is quite nice, and I certainly intend to continue taking advantage of the benefits while shopping at Target.