+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
Overall, this is a solid account. They are internet based, so don't expect an extensive branch network. They do offer a pretty decent ATM network. The bank is small, which can be nice. When you need to contact customer service, it is pretty easy to decide what to do via the website. When I needed to call to ask a question, the customer service rep was friendly and personable. After verifying my identity, my question was answered quickly and correctly. The customer service rep was professional the entire time during my call. It was easy to get the answer I needed.
When I got my JC Penney Store Card it was right around the holidays. I got a fantastic introductory offer with a very low introductory interest rate. The card was very straightforward and functioned just like other cards. If you are making a significant purchase, the introductory specials are great. As an everyday card, the points system needs work, since your points expire at the end of the month. Interest is higher than a lot of cards after the introductory period, but still similar to other store credit cards.
Overall, I love this card. You can get a great discount for signing up, and you get points when you use it. It does have a high APR, so be really careful how much you charge and how quickly you pay it. The best practice is to use it for rewards then pay it off.
Overall my savings account through Capital One is useful and has a decent interest rate. The most difficult thing about the account is the limitations placed on how often you can transfer money from the savings account. It can be quite frustrating when you have reached your limit and want to make another transfer. For this reason I created two savings accounts that I use equally and it has made this less of a problem. On occasion it creeps up and causes an issue, but most of the time with two accounts it has been solved.