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I spent years with bad credit. I had put my life together in a lot of ways after some troubles when I was younger. I finally joined Experian, and they showed me how I had 2 outstanding debts, one an old gym membership, one that was falsely reported. They helped me go through the steps to fix them. I was able to get my credit back on track after years of not being able to get a loan. So an honest 2 thumbs up!
I got the First Premier card offer in the mail and almost threw it away. The initial fee is pretty steep. I had hit a little rough patch and my credit had suffered, and this was the first card offer I had received in quite some time. I thought it over and opened the account eyes wide open. Yes, the initial fee is high, and it is added as debt on your account. I also am honest enough to realize that my credit was bad and no one else was lining up at my door with offers. So I opened an account and have had no problems with them at all. I am using this to build my credit back up, and it is nice having a card in case of an unforeseen emergency, such as car trouble.
My boss used Regions Bank when I lived in Miami Beach, and I went with her to make deposits and found them very friendly and helpful. I live in Augusta now, and saw that Regions had a big promotion for joining their LifeGreen checking accounts. I joined online and so far my experiences with Regions bank both online and when visiting their branch have all been positive. First and foremost, they honored their promotion and I had $165 deposited in my account as soon as I finished the requirements. The branch personal are always very helpful so I find myself going there and moving more and more of my business to them. I noticed they were running other promotions if you got a friend to join, and this is the first time I would consider doing something like this, as they honored their last commitment so promptly.
I joined PNC when I saw a promotion for their Virtual Wallet. They offered a cash bonus for opening a checking account and doing direct deposit. I decided to give it a try, and have been very pleased. The Virtual Wallet is extremely helpful, and allows me to see all my activities on a graph. I get email alerts whenever I have a deposit go in, so I'm always up on what my balance is. They recently ran a promotion for their Visa Checkout. I signed up my debit card with them and received a Visa gift card in the mail within a week. So two thumbs up for a bank that has excellent customer appreciation and service.
This is a good card, the application process was pretty straight forward, and I received my card a couple weeks later. No annual fee is always a good thing in my book. The rewards program is extremely handy, as I gas up for work everyday. 2% cash back on gas adds up pretty quickly. If your a handyman, or just visit ACE on occasion, you get 5% back. I try to pay my cards off every month, and they offer a grace period before interest accrues, so that makes this a stellar card in my opinion.
My Capital One Platinum is a good card for building up your credit, but not one of those predatory cards. Just a good starter credit card. It even has a cash advance for emergencies. The rate is competitive with the market, so no complaints there. I have had cards through them before and have been very pleased with their customer service. So definitely give this card a positive review, it's limit isn't so high as to get you in trouble, but you can learn how to maintain and grow your credit with it. I keep it for emergencies.
I have had the ABA Visa for almost a year, and am very happy. I joined for the signup bonus, which was the best in the business. I also like that the card is back by Bank of America, a very solid brand. It was available to me the second month, so very prompt and promise kept. There is no annual fee which makes this a premium card to have in my eyes, and the cash back bonus is the cherry on the top! 5 stars for the ABA card from a happy customer.
I have the Way2Save account with Wells Fargo linked with my checking account. Every time I use my debit card, $1 is deposited in my savings. This is a really convenient boost to my savings. The account is also linked to my checking and will cover any overdrafts I might incur. It's just another layer of protection. Overall a good way to stuff some more into the piggy bank!
I woke up one day and found that TD was acquiring my old bank, Carolina First. I was skeptical at first, but the transition was smooth, and I have kept my checking account with them. Their hours are longer than any bank out there, as well as being open Saturdays and minor holidays. When I was in Miami Beach, I lost my debit card, I was able to walk into a TD Bank branch, and have one printed right there and then. So if you travel like I do, it's a good bank to have a relationship with as they are everywhere it seems, and their hours are great.
I am in Augusta, GA and opened my Wells Fargo checking originally due to convenience of location. I was very impressed by the customer service at the branch. They are always pleasant, and helpful, and offer bottled water during our scorching Summer heat! I signed up for a deal, where if I use my bank card 10 times in a month, my checking is free. This is easy, as I just use my card for shopping and try not to carry much cash. I also have the benefit where every time I use my card $1 is deposited into my savings account. Not a big amount, but it does add up, and also is an easy way to keep track of my activity. I check my balance daily online, ( which I highly recommend) and I can say that the Wells Fargo website is easy to use. So, an overall very positive experience with Wells Fargo, and I can honestly highly recommend their checking account.