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This card seems like a good card for a "store card". It has very good benefits like $5 reward for every $100 spent, or 1 point for every $1 spent. I wouldn't recommend taking a cash advance on this card though...those rates are pretty high. The regular interest rates are pretty high as well, but if you're like me and pay off the card every month then you don't have to really deal with the high interest rates, but you still get to enjoy the benefits of having the Old Navy Credit Card. And unlike a lot of store credit cards this one isn't only for Old Navy but also good for the Gap and Banana Republic which are two of my favorite stores to shop at. I have other regular and store credit cards, but in my opinion with benefits like these you can never have too many!
I have been a part of the Niu Employees Federal Credit Union since I was 13 years old. My mom worked at NIU so we were able to get savings accounts through her. I love it here, but the most serious issue I have had to deal with at this credit union would be them taking money out of my account for inactivity. I understand that some places do this after some time, but as far as I knew they had never done this before. My sister told me how it wiped her account out and she didn't know it until she went to withdraw money at it was gone. I decided I better check my account. And sure enough they had started taking my money too! I called them and they explained that it was their procedures and all I had to do was have some activity on my account. So I placed $20 in there and that stopped it. My bigger issue was that I wasn't informed that my account had gotten to the point that they were going to start withdrawing money. When I asked about this they said they had mailed out a letter stating what was happening, but I never received it. They apologized for the confusion, which really is all they could do. All in all I really like this credit union. I just know that I have to keep it active now.
The thing that I like about the Wells Fargo Rewards Credit Card is that you can earn points on money spent. And the cash advance fee is very low at 5% compared to my Capital one card that is at 24.99%. I also like that you can link your credit card to your checking account to help avoid any overdraft fees. All in all I think this a great card and think it should definitely be considered if you're looking for a new card.
I think the Union Plus MasterCard Credit Card sounds like a very good card. The 1.5% cash back is better than a lot of the cards we have gotten sent to us. And definitely better than the Capital one card I have since that has zero cash back. The 0% interest for 12months for new purchases and transfers is always very attractive, but most new cards offer the same thing. The thing that stood out the most to me was the assistance benefits for loss of jobs, strike grants, disability and hospital. While some other cards offer some of these benefits, these are geared more towards union members. They seem to understand that a lot of workers are seasonal and need some help to get through those months while they are laid off. I would definitely recommend this card to someone that is in this line of work.
The Apple Credit card or should I say Barclaycard Financing Visa Card, seems like a great deal at first. If you are planning on just making a one time purchase to take advantage of the intro rate on purchases and then paying it off I think it would be perfect. However with the high interest rates, I think you could find a better card with a good introductory rate and lower long term interest. I will say that a 23 day grace period is also very appealing, but still not enough to convince me past those first 30 days.