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Farmers has been a great insurance company to do business with. After my auto accident, they were able to get me the money that I needed to repair my car, take care of the other damaged car, as well as helped me find a rental car to use in the meantime. My insurance went up after the accident, but only negligibly. The agent that I work with is sweet and kind, and I can't imagine doing business with any other company. They treat you right!
Zions bank has been okay. The biggest problem that I have had with zions bank is that they charge you a fee every month if you don't have a certain amount in your checking account. They used to charge 35 bucks for overdraft if you didn't have the money and they would take the fee out, anyway. That has changed, however. It would be nice to not be penalized for being broke.
I have had the Dilliards store card in the past, and I was not a fan of it. I did appreciate the initial 10% discount bonus, which saved me money. I would have liked to see more consistent discounts, though. Earning points is a bit harder with this card since the max you can earn is 2, which is the same amount of base points earned. I also did not appreciate the very high interest rate. This card would have been a bit more worth it if I shopped at Dilliards more. Overall, however, this was not the right card for me.
I have been banking with University Credit Union since I was 8 years old. It was the first bank account my mom opened for me, and they have been great to work with. There are never lines that are too long, their customer service is impeccable and any problems that I have ever had with my account have been resolved quickly and easily. It is easy for me to deposit money into my checking account, as well as check my account balance and withdraw when needed. I have never applied for a loan with them, but I am sure if I did it would be a breeze to do!
For someone who doesn't really love electronics or video games, I feel like the Best Buy card would not be the best option for me. They do offer rewards at 1 point for every dollar spent, but the rewards are higher when you use the card at Best Buy, which wouldn't help me at all. Other store cards don't offer any rewards points for using the card outside of their shop, so I guess it has that going for it. I also am not digging the fact that there is not a 0% intro interest rate fee, but rather 11% for a few months. I think I'd be better off with a different card.
Looking at the Wells Fargo rewards credit card makes me wish that I would have gotten this card instead of the one I have currently! With up to 5 points earned per dollar when you use the card at specific locations, those points will add up quickly. On top of that you get 1 point for every dollar earned everywhere else you use the card. Not to mention the huge selection of point redemption options. The possible low interest rate of 12% just makes this card even more appealing, as well as the 0% interest rate for 12 months. I also really like the 25 day grace period for late payments.
I am not sure, after looking into it, that I really like the sears credit card. It seems to be one of the less rewarding and less flexible cards on the market. There are no cash back bonuses, no initial bonuses, not to mention the absolutely high interest rate of 25%. I have seen store cards that offer many different perks, whether it be for using at their own store or using it elsewhere, and the sears credit card is not one of those cards! I think, with hardly anything to offer, one might benefit from choosing a different card that offers better incentives for usage.
Wow, the Chase Freedom card looks like a great card to have. The no interest rate intro period seems a lot longer than a lot of other cards that I have seen, and that is something I really like. Interest rates can really kill you if you are not careful. I am also loving the 100 buck initial bonus, as well as the cash back rewards. I don't like that you can only earn 5% cash backs during select periods at select stores, but I really do like the fact that there is no limit to the cash back bonuses you can receive!
This platinum card would be perfect, apart from the huge annual payment fee. I guess when you are earning enough money $450 doesn't matter. I do like the automatic $25k rewards after you spend 2 grand in this first month. However, I have seen cards that offer you large rewards for spending in the first few months which do not have a yearly fee. I also don't understand why the balance must be paid in full each month. What's the point of having a credit card if you can't carry a balance? Although the rewards seem great, I think there is more bad to this card than good.
This card seems alright, however the 75 dollar a year fee seems a little steep for simply owning a credit card. Other cards offer rewards and high credit limits without having to charge such a large fee. I also am not fond of of "reward dollars" as rewards. On top of the fact that these rewards can only be used to pay your credit card bill, the amount you have to spend in order to reap any benefits seems high. I would much prefer air mile rewards that other credit cards offer. The no starting interest rate for 15 months, however, does appeal to me.