+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
The Lord & Taylor Store Card introduces good advantages when it comes to bonuses. It has a 15% initial bonus in addition to other periodic bonuses. Moreover, the late payment fees are only 35 dollars with a relatively good grace period of 23 days. These factors put the card in a good standing compared to other competitive cards that have less bonuses and more restrictive payment options. However, one disadvantage is that balance transfer to this card is not allowed. Overall, the card comes with attractive features that beat a lot of other store cards.
I have been an HSBC customer for only three months. HSBC 3 year CD is a savings account where a person does not have to pay any annual fees, and at the same time gets a relatively good interest rate of 0.1%. It is generally good to have a savings account in an international bank like HSBC, so that the money becomes available for transfer across countries. However, it is not always easy to find an HSBC branch or ATM machine around, which I think is the the main problem with HSBC. My overall experience with HSBC is very good.
I have been using Citibank Basic Checking for six months. The main reason to enroll was the capability to transfer money internationally, which means if a person has a Citibank account in another country, then he/she is able to transfer money between the US account and the other account outside the US. Citibank Basic Checking has a very good web interface that is organized and easy to use. Also the customer service is very responsive and professional. It is available any time during the day. The main disadvantage is the high ten-dollar monthly fees. Overall, I like Citibank Basic Checking and recommend it as long as a person is able to afford its monthly fees.
I have been using Chase 1 year CD savings account for eight months. The account does not require any fees or credit history. The thing I like most about this account is the organized web interface it has. It is always easy to deposit and withdraw money online. It is also easy to monitor the transactions anytime. I never experienced any problems in the online system. Additionally, the customer service is available 24 hours every day. The representatives are well trained and very helpful. One disadvantage is the low interest rate (0.1%), but this is the case for most US saving accounts. I am totally satisfied with Chase 1 year CD account and highly recommend it.
I have had the Walmart Store Card for eight months. I was rejected when I first applied. However, I was still building my credit at that time, while the card seems to be only available to those who have a good credit history. I got the card initially for a limit of 3,000 dollars, which is high when it comes to store cards. Unfortunately, I am not convinced enough with the offers that the card provides. I expected them to be more and better. However, I never had problems using the card, but also I cannot see something special in it. Overall, the card is a fair option for frequent Walmart customers.
I have been using the Toys R Us Store Card for about a year. The card provides some offers from time to time, in addition to a constant 1% off. However, the offers are not as frequent as those of other store credit cards. Additionally, the offers sometimes are not that worth (5%-10% off). The biggest disadvantage of using the card is the high rate (26.99%). Overall, I am not happy with the card, and thinking of getting rid of it.
GAP credit card is an average store card. It does not have something special in terms of the payment policy when compared to other store cards. However, GAP card is a good option for frequent GAP customers, as it provides a lot of discounts all over the year. However, it does not provide cash-back, instead it gives more points that could be redeemed in a future purchase. One good advantage of the card is that it is usable in other stores and not just GAP, such as Old Navy and Banana Republic. This gives the card an advantage over many other store cards, where they are only usable at one store.
I have had Macy's Store credit card for six months. The first two times I applied to get the card, my request was rejected. It seems that the card is only available to those who have a very good credit history. The card provides a huge number of discounts at Macy's stores. In my point of view, a frequent Macy's customer should have this card, else he/she would be losing a lot of money. Other than the several offers the card provides, the card does not have major advantages or disadvantages.
I am a new customer with Chase Freedom credit card. I think the card is available to those of good credit scores and not to build an initial credit. The most important thing about the card is the amounts of offers and rewards it has. Chase freedom gives 200 dollars back after spending 500 dollars in the first three months. It also has 1% cash back that is up to 5% cash back in some stores, depending on which quarter of the year it is. Moreover, the card does not require any annual fees. The application process was very easy, but I had to wait for ten days to get the card mailed to home. My overall experience is excellent, and I feel blessed to have this card.
I have had Gap Store Card for six months. Initially, the card had enough limit to do store shopping. The main advantage of using the card is the discounts and points it provides. Usually, the card holder gets an extra 10-20% discount. Another advantage is the ability to use the card in other stores other than Gap, such as Old Navy and Banana Republic. Other than that, I do not find many positive or negative issues. Generally, the card is a good option for frequent Gap shoppers.
I have had Gold Delta SkyMiles credit card from American Express for 4 months. The card is available to those who have a good credit. The main deciding factor to enroll was the additional credit it adds and the double miles it generates. After I purchased two Delta tickets that exceeded 500 dollars, I got an immediate 50 dollar credit. Also, the card speeds up the Delta mileage accumulation by giving double the miles with every ticket purchase. It also gives a free first bag check. Additionally, the card provides a numerous number of cash-back offers with several stores and websites. I am totally satisfied with my Delta SkyMiles credit card.
I chose this Capital One Quicksilver credit card because it is good for those who have established a good credit and want to get an excellent one, which is my case. Another main deciding factor is the good cash back the card provides (1.5%). Additionally, the card has low fees and a reasonable interest rate. Moreover, I like the online credit card support of Capital One, as a person can do an online chat with the customer service anytime. My overall experience about this card is excellent.
I have been a customer with Capital One bank for more than two years. I had to open a Capital One account because it provides secured credit cards, which are important to initiate and build a credit history. Additionally, I like the availability of Capital One branches and ATM machines everywhere in my city (NYC). One negative thing about the checking account in Capital one is that a person has to make regular monthly direct deposits or keep a minimum of 250 dollars in the account; else he/she has to pay monthly fees. Another negative issue is that a person could expect some delay in order to get his/her problems resolved. The customer service is generally decent. However, the website needs more work to become more user friendly. However, my overall experience about Capital One is positive.
I am now having the Gold Delta SkyMiles Credit Card from American Express for five months. This credit card is a very good option when you frequently consider flying with Delta Airlines. Also, when you spend 500 dollars during the first five months, you get 50 dollars back. Moreover, the card holder enjoys having the first bag free on Delta flights. However, I had a problem trying to register this card online, the registration process failed several times for no obvious reason, and I had to call the customer service for around four times to get it resolved. Another problem, the online card console is not always up-to-date. It always tells about the next bill too late, about one week after the end of the previous bill date. Overall, I recommend having this card for Delta fans. It is a great option to have.
Capital One secured credit card is my first credit card in the USA. When I first came to the USA, I was not able to issue a credit card at any bank because I am new in the country, and do not have a credit history. Many people advised me to open a secured credit account at Capital One. Issuing the card was quite easy. The application process is simple, and does not require a good financial history. I received the card by mail after ten days of submitting the application. The card gives a limit up to three thousand dollars, which is a quite good start. Another good thing is that the card information is easily accessible through the Capital One website. It is straightforward to make payments and deposits either online or on phone. My whole experience with the card is positive and I am happy to have it.