+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
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Everything about this card was given as promised. This goes for the $100 reward for spending $1,000 in the first 3 months (at the time it was $100, but no free Amazon Prime membership), and the 3%, 2%, and 1% cash back rewards respectively. However, each reward took very long to appear in my account, 8 weeks at the very most. I shouldn't complain since it's free money, and with a relatively low redemption minimum of $25 in reward dollars. But, I was a bit taken back since other credit card companies give their cash back rewards in as little as 48 hours. Still, great card, great American Express #1 quality customer service, and really a 4.5 of 5 star card if I could make it that.
This review is specifically for my experiences with a Savings account from First Hawaiian Bank (FHB). Everything about my experiences are positive except for one instance; I had trouble closing my Savings account in the past. But the details aren't so bad that I'd give FHB a low rating. It's still a 4.9999 / 5 star bank with 5-stars in most categories. The only negative: One year, I had less than $300 in my Savings -if below $300, then I get charged a service fee of $4.50/month. Acceptable and totally fair, but I didn't like losing money each month, so I called up FHB. They said I'd need to go to the bank in person to close my account, but not until the beginning of the next month. Unfortunately, the day I called was like the 2nd day of the month, so I had to wait a long time to make my next move. That also meant I'd get charged another $4.50 fee. At the beginning of the next month I went to the bank as instructed. There, the teller said there had been a policy change: all requests to close Savings accounts must be initialized 6 months in advance. I wasn't told about that on the phone. Turns out, the new policy "had just become active." If I were to abide by that policy, then I'd be giving FHB the right to prob me for another 6 months -up to $27 more in service fees ($4.50 x 6 mo). Luckily the teller was understanding of my situation and overrode the policy; she let me close my account right then and there. So again, 5-stars for customer service. A little less rating for policies and clarity, but that was back then, in 2007. I've had no problems since then!
This review is on behalf of my mom who uses her Macy's card a lot. She loves her card. Because she's a Star Rewards member (gold card), Macy's always sends her coupons for special promotions. And the coupons are really good, like 25% off stuff on average! Even if she doesn't use them, she just keeps getting more in the mail whenever there's a new promo! My mom said her Macy's card has never caused hassle, and she's never had a complaint about the card or about customer service ever. She pays off her bill any month she uses the card anyway. So, if you're a regular Macy's card holder (the red card), then I highly recommend you upgrade to Star Rewards to take advantage of all the benefits!
Cars under policies: Myself and Father: Honda ****** Father and Mother: BMW 3*** A few years back, I finally got my own car! A nice brand new Honda co-leased with my father. I was a little worried that my insurance would be really high since it was my first car. Even co-leased, I still had the fear of paying an arm and a leg. But my family and I have been with Liberty Mutual (car) for over twenty years, and the company took our loyalty into serious account. My yearly insurance is under $800! None of my friends had even heard of such a low amount. Plus, most of them have monthly insurance rates that add up to a much higher yearly total! Liberty Mutual really takes our loyalty into account. What's best is, they don't use that trait for their marketing advantage; what I mean is, they just do what they do because it's right, and not because of advertising potential. My final point on problem resolution: One month ago I had an error on my yearly statement. My statement claimed that instead of a bill of about $800, I'd have to pay $1,200. Upon calling my local office (which exists right here in my state, and not far away or outsourced), I was informed that I had a speeding ticket which caused my premium to go up. It was an error. My dad had a speeding ticket. Funny stuff. There was a mistake a long time ago setting up the insurance involving whose policy my car was under- confusion because of the co-lease on my part I suspect. Though it was probably my own fault, the Liberty Mutual Rep apologized for the error on my statement anyway, and corrected it on her computer. I didn't have to do a thing after but pay my ~$800 bill! In conclusion, 5-stars all the way.
I applied and received my Discover More card in 2011 (2 years ago). The card and service have been spectacular! Discover More offers 5% cashback on rotating categories -what you earn cashback on changes throughout the year. I actually notice when I'm getting rewarded for spending unlike other credit cards from other companies- other cards may give 2% cashback on something without rotating in-out like Discover, but I hardly notice those rewards build up. That's especially unnoticeable when the 2% rewards don't even show up on my account for 6-8 weeks. Discover on the other hand shows my earned (and available-to-use) rewards in as little as 48 hours (not sure about the policy now days, but that's how fast it was in 2011-2012.. little slower 2013, but still beats the competition). As for service, it's great! The American based customer service reps really relate to my financial needs and wants like they're my neighbors (who happen to work for Discover). Overall 5-stars.