+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I started using First Citizens as a teenager as a place to bank savings from my part time job. I am generally happy with the services. The biggest issue I faced with them was when my credit card was stolen. The bank gave me quite a hard time about the transactions having signatures attached, even though the signatures were clearly not mine. It all worked out in the end but I wish the process would have worked a little more smoothly.
My husband and I opened a Chase account a few years ago. We're happy with it. The customer service is prompt and efficient. The website is easy to navigate. I'm usually weary of accounts with monthly fees but Chase makes it easy to maintain an account balance without getting caught up in fees. Chase is easy to work with and it makes our lives a little easier. It's always important to know your money is being handled appropriately.
I got this card when we bought our first home. We figured that with a new house we would need to make a lot of purchases at Lowe's. With 0% financing and 5% cash back it's easy to get what you need for a good price. The interest rate isn't a problem for us because we pay off our total as soon as we use the card. We love the 5% cash back, it's like instant savings.
I love my Target card and I use it all the time. It is easy to qualify for the Target card, you can do it right there at the register. The 5% off all purchases adds up quickly. It's also convenient to use- at checkout you don't even have to sign for transactions that are less than $50.