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Besides the bonus points for adding an authorized user, this reward program seem to be just like their Freedom card. Both cards have the same base rate but with the Freedom card you get bonus points in your top 3 categories not just on dining. Also, I believe the starting APR for the Freedom card is 13.99% so this one is higher. I can't say that I am to fond of the terms on this card.
I dealt with this bank for over 15 years and I love them. Customer services has always been excellent. They are friendly and I never had a question that they could not answer off the bat. I recommend this bank to anyone who lives within driving distance of one. The only thing that I have a problem with is they have a limited amount of branches and ATM. If I plan wrong or in case of emergencies I usually end up having to pay to use a different banks ATM. If I"m not careful it ends up being very costly.
I think I would really like to get this card for my 18 year old son. This is a step up from the pre paid credit card that he is currently using.. It will actually help him build up his credit history. The fees are a lot more reasonable then my Chase card. ($39.00 late and over the limit fees). I'm not thrilled with the fact that this card has an annual fee but I guess until he increases his credit score it can't be avoided. So over all I think the terms are fair.
I have to say that I have mixed feelings about TD bank. I had a student account with them until I graduated college. It was perfect there were no fees, Their customer service was excellent, they even would give more dog treats when I brought him with me to deposit checks. Last year I switched to a regular checking account and I can not believe how much of my money is going to the bank in fees.Honestly I feel like I'm being robbed. I am currently in search of a new bank.
A couple of years ago I decided to consolidate my student loan and a credit card account onto my Chase Rapid Rewards Visa. I had received and amazing offer of 4.99% Apr for the life of the loan. I jumped on the chance to lower my interest rates which in turn lowered my monthly payments. Everything was fine for about two years but then suddenly I got a change of terms notice from them stating that I had two options. The first option was that I could keep my current low Apr but I would have to pay an extra $15.00 per month statement fee. The second option was I could Raise my Apr to 6.99 % for two years then the balance would go to my normal purchase Apr.(Which was considerably higher). I chose my own option which was to transfer the money out and close All of my Chase accounts.
Over all I would have to say that dealing with Unitrin was painless. Over the course of my 5 years of dealing with them I only had 1 problems. When I originally signed up with them I opted for the yearly payment option. Five years in I wanted to go with monthly payments because I was thinking of selling my car and didn't want to pay for 9 extra months upfront.When I called customer care they informed me that switching wasn't an option. I had to pay up front and when I sold my car I would then have to call them and request a refund check.