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I have been a customer of farmers on and off for the last few years and I always find myself coming back. Their staff is friendly, knowledgeable, and well-versed in handling claims. Their prices are competitive in the market, almost always beating out the other guys. About a year and a half ago, I left Farmers and went to a different company who offered me cheaper rates. Upon renewal, they almost doubled, so I headed back to farmers, and plan on staying!
I recently applied for the Blue Cash Every day Card from American Express. I received approval in the mail a few days after application, with a generous credit limit. The introductory 0% APR for 15 months is a wonderful "plus." The cash-back bonuses combined with the extended grace period are a perfect combination for using this card for gas, grocery's or anything else. It also allows you to carry a balance, which is a great perk for those unexpected large expenses such as car repair bills, or a new furnace. I've been a member since July, and have been very happy so far.
I've been using virtual wallet for several years now. It is an easy way to manage my money, and has been linked to my savings account so I never have to worry about over-draft fees. The interest rate is one of the best you will find on a checking account. They refund any ATM surcharge you may experience from using a non-PNC ATM which is always nice when you are in a jam and need money quickly. Overall, I have been very impressed with PNC virtual wallet performance spend.
We've been with AAA for over 10+ years. We have had to submit two claims with them, which were handled quickly and efficiently. The insurance adjustors were friendly, and their customer service representatives were able to answer all of my questions. They quick to pay out on the claim and I was able to have my car repaired and back in my driveway in a matter of weeks.
Great for any parent or grandparent with a child. The introductory 0% Intro rate was a wonderful lifesaver for setting up the baby's room with all the new furniture. Customer Service is fantastic, and zero liability for unauthorized purchases gave us peace of mind.
The Ann Taylor Credit Card is fantastic for those who shop at Ann Taylor frequently. There is a discount applied when opening the card, which allows you to buy that new suit, for a much more appealing price! It does not have an annual fee, which is more than I can say for my Capital One card, which charges me a monthly fee! The 24.99% APR is on par with most store cards, and the point reward system allows you to reap the benefits of additional spending money.
Although there are some pros, such as No annual fee, and no over limit fee, The Cons weigh heavily on a financially responsible adult. The Cash Advance APR rate is extremely high, at 29.95% and balance transfers are not accepted. My amazon credit card has several special financing offers where the APR is low. The Goodyear Store Card seems to be beneficial only if you are going to use it to buy Goodyear Tires, which then results in a $160 prepaid Visa Card.