+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
The Banana Republic Card has many key features that make it one of my go-to cards when I need to make a purchase. I have the flexiblity to shop with the Banana Republic Card at any Old Navy, Gap or Banana Republic store. I can also use it shop online at Piperlime and Athleta. Earning points at these stores is also a perk I enjoy. For every $1 I spend, I get 5 points, and when I reach 200 points I get a $10 Reward Card. This card can also be used at any retailer that accepts Visa and earns 1 point for every dollar spent at these stores. My favorite perk was that my first online order on BananaRepublic.com was 15% off. I also like the advance notice of upcoming sales at the family of stores and take advantage of these offers whenever possible. This is one of my favorite credit cards and I use it many times a month.
I purchased a Farmers Insurance auto insurance policy through Mark Peters in Billings, Montana. The application process and coverage were adequate. Nothing special. A problem occurred when I moved to Ohio one month before completion of my 6 month policy and decided to switch back to Progressive since their policy was $40 cheaper per month and their customer service is better. I spoke with an agent to cancel my policy, and she agreed to cancel it early with no charge. I have done this before with Progressive Insurance and it was no problem. After that, I was billed for the final month after being told that I would not be. When I received the bill and called to resolve the problem, I was treated very poorly, and the agency failed to remove the charge. The bill is currently in collections, and I refuse to pay it. This agency does not keep their word.
The Wells Fargo Secured Credit Card is a great way to build your credit if you've gotten into some financial trouble. Unlike prepaid debit cards, such as the Walmart MoneyCard, the Wells Fargo Secured Credit Card rebuilds your credit as you use it. Your account performance is reported to all of the major credit bureaus, which in turn, builds your credit.
I signed up for the Way 2 Save Savings account with Wells Fargo about 2 years ago. I am happy with this account. It is great for people who have extra money at the end of the month and want to start saving. Every month when I am paid, $25 is taken out of my direct deposit into my checking account and put into my savings account. Also, every time I use my checking account's debit card, $1 is transferred into my savings account. This was great when my income was higher, but now it is often a burden to transfer the funds back to my checking, because I can't afford to save since my pension was severely cut. I tried to close the savings account, but cannot do that without also closing my checking account and changing my VA direct deposit.
The Mango Prepaid Mastercard is a great alternative to a bank debit card for easy cash access. The free direct deposit option is a great way to load funds. I feel that the $2 ATM fee is a bit high. The Mango Card lets me book hotels and flights without having a checking account through a traditional bank. Since I am rebuilding my credit, this is very helpful for me!