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Victoria Secret card is great! Yes, APR is a little high, but it's similar to most store cards ( I used to have TJX card, but APR was a little higher). One nice thing about this card is that you also get points that you can spend. Overall, good card, but honestly I wouldn't recommend it simply because APR is so high.
Let me start with saying that I love credit unions. I feel like credit unions are trying to work with me, whereas private banks are working against me. My husband and I opened an account with PMCU hoping that we could get a car loan account. We got a car loan the same day we opened a checking account. At that point, about three years ago, PMCU had the lowest car loan of 1.99% APR. The person who helped us was quick, straight to the point, and very helpful. We got letter of pre-approval within an hour of signing up, and bought a car the next day. PMCU was very quick about sending payment to the dealership (according to the dealership) and make first time buying a car extremely pleasant and worry-free. Checking is amazing. Even though, we didn't have a direct deposit with them, they never charged us anything. In order to pay for our car, we had to take out money from our primary account and deposit at the bank, which wasn't as bad as it sounds. The waiting time in the bank was less that five minutes. Online banking is hassle-free, you can access pretty much everything online. You could also change your PIN by calling, which is great because you don't have to go in. Overall, this bank is there to serve you, not the opposite.
My husband works in IT, and had this card for a very long time. Dell computers are reliable, have a great performance, and unlike some companies (cough, Apple, cough) you don't overpay for quality. We have 3 Dell products - 2 laptops and 1 desktop, and we purchased both using Dell credit card. When we bought our last laptop, which was 3 years ago and I haven't had ANY problem with it, we got a FREE wireless Xbox 360! The APR is high, but in order not to pay any interest, you should pay it off within 6 months, or they will charge interest on the initial purchase. But using this card is very convenient and hassle-free. Application process doesn't take long, and no annual fees! Once again, everything is very affordable for the amazing quality you get. Our laptops are five and three years old, and we haven't had any technical problems with them.
My husband and I got this credit card when we decided to buy a 50 inch TV. We got approved in no time and got 24 month 0% APR, which is amazing. We also had an opportunity to choose to get 5% back but 6 month 0% APR. Online portal is easy to navigate, which makes paying the bill online as easy as it can be. Also, you can call or even go into the store to pay, which is nice. BUT in order to pay as little interest as you can, you have to pay off card within the promotional period, and you will need to calculate how much to pay yourself. Another thing that I really like about this credit card is that when the bill is ready, they send me an e-mail, so I never forget to pay it. Nonetheless, the card is very good, and I am planning on using it this holiday season.
APR free financing is great! Online account is easy to navigate. Overall, love it.
My husband and I have been SDCCU customers for a little over 5 years. Overall, the bank is great - if you have direct deposit, your checking account is free, APR's are low - CC is 9.99%, car is 1.99%. I wish they had a branch in Riverside, but you can get a lot of thing done online. But there were some minor hiccups - when we went to apply for CC (over 3 years ago), the lady who helped was very rude and condescending, and a month ago when we lost a debit card and ordered a replacement, it took over 2 weeks to arrive and then another week for PIN. So, basically, we were without debit card for 3 weeks, which is not that big of a deal, but, nonetheless, made us uncomfortable.