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I have been working with Florida Credit Union (FCU) for almost a year and have various accounts and an auto loan through them. So when I needed a mortgage, who else did I turn to then FCU. I went in to the office located near my home and within a short time, I was taken back to an office and introduced to Mary Gardner, the Senior Mortgage Loan Originator. She was extremely pleasant and worked with me through each step of the process (I had never had a mortgage before). I was in the office for a shorter amount of time than I was expecting and was more than happy with my decision to choose FCU and Mary Gardner as my mortgage officer.
Approximately a year ago I had a Bank of America checking account. I had had the account for at least 3 years and had never had any problems with them. However, my debit card information ended up getting stolen from me and multiple charges were made via the internet from various sites. I immediately called the bank when I realized what was going on (fortunately it was the same day) and their customer service was extremely rude to me. They acted like I had gone out and willing handed someone my information and told them to go run-a-muck. It took over a week and me hounding them continuously to get everything situated. I was very upset with the whole situation and was even more upset with the way I was treated. I ended up closing out my bank account with them a couple of weeks later. It was an unfortunate incident considering I had never had any problems until that point, but I felt so disrespected that I didn't even consider giving them a second chance. Maybe it was the area I am in or the people I was dealing with, but I wouldn't recommend Bank of America to anyone.
I absolutely LOVE Victoria's Secret! Not only do they have good quality, well made bras and clothing, but they are also gorgeous and offer some great functionality features! Having the credit card gets you a lot of good offers by email and mail and there point system is great if you are someone who spends a good bit of money with them. There max late fee is 35 and the 25 day grace period has definitely saved my butt before. Overall, if your are an individual who shops at Victoria's Secret frequently, this card is a must have for you.
I am a customer at Suntrust and have been using a student checking account since I began college a few years ago. They offer great benefits to students, such as no monthly fees or minimum balance requirements. Locations are widely available and the staff has always been helpful and courteous. I recommend any student that needs a bank account to use Suntrust if they have them in your area!
I have had Liberty Mutual auto insurance since January of this year when I purchased a new vehicle. They have been such a pleasure to work with and are on top of things. There was an issue that came up in April regarding my license and insurance. I received a letter saying it had been suspended back in January due to not having insurance coverage. I called Liberty Mutual immediately, considering I had been paying them monthly payments since January. They were able to fax some information to Tallahassee and within a couple of days, the whole matter was cleared up! I haven't had any problems with them and would suggest them to others.
The Blue Cash Preferred credit card from American Express is a great credit card to have. I have always preferred to used an American Express credit card when I need to purchase items on credit due to the their rewards program and low interest rates. Over the years, American Express has become more popular, and more and more restaurants and stores are accepting them compared to years past. I advise individuals who want a second credit card, to get an American Express Blue Cash Preferred card.
I have been using Florida Credit Union (FCU) for almost a year and have had a wonderful experience with them. A few months ago my Amazon account was broken into and a $250 gift card was charged to my checking card that was on file. I contacted FCU immediately and they put a hold on the account and the payment that was trying to process. They informed me to call Amazon and if things could not be resolved from there, to call them back. Fortunately, Amazon was able to cancel the payment on their end and there were no more issues. FCU closed my old account and set me up a new one with a protection program.
If you shop at Kohls frequently, you should get their credit card. Kohls was the first credit card I signed up for and I have had a wonderful experience with them. They offer a 15% discount on your purchase when using your credit card and you get offers and discounts via email each month. The monthly minimum payment amount is very low and easy to manage. Interest is not high and I don't feel like I'm being taken advantage of if I don't pay of the full amount I have charged to the card for the month. I highly recommend a Kohls credit card.
Wells Fargo offers a great checking account for college students and has top-of-the-line customer service. A few months ago I incurred a charge on my debit card for over $150 from a website that I had never visited. It had also caused an overdraft of my account. I contacted Wells Fargo who immediately flagged my account for fraud. They told me to attempt to contact the company first to get a refund, and if that didn't work, contact Wells Fargo again. I did as they told, but got no responses from the company, and after a few days, called Wells Fargo again. Customer service was such a help! They refunded the charge, removed the overdraft fee, and set me up a completely new account. I had a new debit card within a few days as well! Overall, I have been extremely happy with Wells Fargo college checking account.
Wal-Mart offers a great credit card for all individuals. The max late fee of $35 is my favorite aspect, considering I sometimes remember a day or two too late. The grace period of 23 days is also a fantastic bonus that makes their card worth it. The No max overlimit fee is also great!!