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Despite this cards high interest rate, it's a good value -- if you don't put too much on it. I used to shop more often at Ann Taylor, but lately I find a lot more I like at the Loft. It's nice that I can use the Ann Taylor credit card there, too. The best thing about this card is the points you earn. If you can manage to pay it off each month, it's a great deal. Ann Taylor is a higher end store, and cards like this make it easier to buy the things you like without going bankrupt. A bonus -- you can use it at the Factory store. Like my Macy's and Dillard's cards, I keep it in my wallet to use with the discounts they offer.
I have a Chase Freedom card that I've used for many years, so when I was offered the Chase Slate card, I took it. The 0% introductory offer helped, though I really didn't need it at the time. Still, it was nice to know that when I used it, I wasn't going to be paying any interest -- which meant I didn't have to pay off my bill right away. I never put much on it, so when the interest rate increased eventually, I didn't have a balance. Even without the 0% offer, the rate on this card is reasonable. I've only had good experiences with Chase, so I'm keeping this card for emergencies and occasional splurging.
The Union Plus credit card has a reasonable APR and it's always nice to earn cash back. I put food, gas, cellphone bill, various utilities, etc. on this card because they're bills I have to pay anyway, so I might as well earn some money at the same time. The introductory rate was very helpful when I was trying increase my credit score. I could take my time paying it off as I knew it wasn't accruing interest. In the meantime, I could pay down my higher interest rate cards more quickly. It's also a bonus that there's no annual fee.
I love having a Dillard's card because I travel in the South and they're popular there (I'm in California and they are few and far between here). I also like the card because it actually has a decent APR -- it's lowest rate is only about 13% -- though it can go up to over 20%, so beware. I use my store credit cards sparingly because I don't want to get buried under debt. However, I do like to use them stores at the stores I like due to special deals and coupons. The rewards also make it attractive. Unlike Macy's, they send reward certificates based on how much you use the card and spend. The discounts aren't as deep as Macy's, but they're still good enough, coupled with the lower APR, to entice me to go to Dillard's and use my card.
Like most credit cards of this type, the Goodyear store card has very high APR. It's best used for purchases you know you're going to pay off by the end of the month. As I rarely need to purchase many things from Goodyear, it works out great. When I do need something -- like tires -- that make a dent in my budget, I know I can use this card and take a little more time to pay it off, rather than coming up with the money upfront. The discounts also influence my shopping here -- of course I'll go there and use my card if I can get a deal. Much like the Macy's card I have, I only use it when I really need something and I have a promotion due to the interest rate.
I keep this card and use it sparingly. I appreciate the deals on APR that they periodically offer. I've transferred a couple of my higher interest rate cards onto this one. The last offer I was sent included an option for a low interest rate with no transfer fee. The checks they sent really came in handy when I went on vacation. I knew I'd only be paying 4.99% through 2015 -- by which time that $500 will long be paid off. They are very consistent with their customers and don't throw any charges in out of the blue. I've been with them for several years.
I have a checking account and savings account with the Bank of Santa Clarita. When I first deposited my money, I was told there was no checking fee. However, the following year, the bank instituted a policy of charging a checking fee unless you went to paperless statements. I like paper statements, so this is not something I appreciate. Overall, they have been helpful and no better or worse than other places I've banked. Their interest rate for savings accounts is lower than most places, unfortunately.
I don't use this card all the time because the interest would add up too much if I did. However, I do use it occasionally, particularly in the spring when the new styles arrive. I tend to put a few hundred dollars on it, and then pay it off in a few months. This way, I get the $25 rewards card yet don't pay tons of interest, which is around 20%. I also like that I can pay online.
I went to Logix Credit Union when it was still Lockheed and found that the people working there were down to earth and helpful. I especially like that when I call the customer service number, I get an actual person on the phone. I don't have to enter my account number or push a bunch of buttons. The only issue I had was being automatically given overdraft protection using my Logix credit card, which I didn't sign up for (or wasn't told I had it) or need as I had money in my savings to cover such things. The money hadn't been transferred, so I called and the problem was fixed immediately and the money replaced on my credit card. Other than that, I've had no issues. Every time I'm in the bank, most of the employees are extremely knowledgeable and helpful.
The great thing about this card is that it's from American Express and they've always offered great customer service. It's also a good tool if you're trying to cut back on using credit. I load my card with my monthly food budget and it helps me stay on track with spending. I just use my debit card to reload it when it runs out. I'd never used a prepaid card regularly before I tried this one, but I had been given a Visa prepaid card as a birthday gift one year and liked the convenience while knowing I wasn't going to rack up interest. However, I chose to go with the American Express prepaid card because it's easier to add money to.
I've had the Chase Freedom Card for many years. Like my other cards, such as American Express and Chase Sapphire, it offers perks with every purchase. What I like best though is the $200 cash back and the occasional gift cards I get by using this card. I also love the 5% cash back on purchases. This makes me feel like I'm spending less money on interest when I pay with credit. My APR is on the low side at about 13%, and there is no annual fee, which makes this a good card to use if I have to carry a balance.
I got an Old Navy Card so I could get 10% off my purchase when I was Christmas shopping. I made sure to pay it off quickly to avoid paying interest. The APR on this card is very high, though no higher than my Macy's Card. I like that you can earn points with the card, and if I had a large purchase to make again, I would use it to take advantage of this perk.
I've only used my Best Buy card to purchase a computer. I did so because I wasn't charged any interest for the first year and a half, which was perfect as I intended to have it paid off by then (and did). The interest rate after that introductory period is high enough that I don't use the card very often to make purchases. The APR is comparable to other store cards I use, such as Macy's and Banana Republic, but I don't shop at Best Buy as much as I do at those places, so it doesn't make sense to incur interest on the occasional purchase.
Banana Republic is one of my favorite stores, and I tend to shop there often. I don't use my Banana Republic Credit Card each time because of the high APR; however, I do like to use it for big purchases in order to earn points, which can be redeemed for gift cards. The terms of the card are clear and straightforward, and as long as I pay it off quickly, I don't get buried in massive interest charges.
I like my Chase Sapphire Card because I earn points for travel, which I do often and hotels and airfare can get quite expensive. The card has no annual fees and an APR on the low side, so I use it when I'm low on cash and have to carry a balance. I don't mind because the points make up for that. Also, when I rent a car, it's nice to know that Chase will intervene if there is a problem with damages or any other disputed issues and try to resolve it for me.
I like using my Home Depot Store Card because I can buy anything for the home or yard when I need it, even if I don't have the cash. I tend to pay the balance off each month, so the high APR doesn't really add much to my bill as I rarely accumulate interest. I could use my American Express or my debit card, which if course have no interest rate, but I prefer to use the store card, particularly when added discounts are offered for doing so.
American Express is ideal if you hate carrying a balance and like to put all your bills on one card. I do this so I earn points, which can then be used to pay off some of those bills. When it comes to travel, American Express is the best because you know you're protected if something goes wrong. As long as you don't overspend, this card is a great choice for purchases and travel. I find having to pay the whole balance helps me control my spending and budget better.
I've had a Macy's credit card for several years, and even though I don't use it regularly, it comes in handy when I really need it. For example, during the holidays and for birthdays if I'm low on cash or have a coupon, I tend to use this card. I've never put more than $300 on it at one time, so I don't pay much interest (though I do wish the interest rate was lower). There have been times I've really needed this card, especially at Christmas, when work is slow and I don't have extra cash. I also like using it if there is a particular item I really want but need to pay for over time. I love that I can walk up to any register and pay my bill, which is what I always do, rather than mail it or pay online -- though the option to pay online and to see my bill online is a plus. I've never had any problems with billing or with customer service regarding this card. I don't have many credit cards, but this is one I'll keep.