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The Guitar Center Credit Card doesn’t seem very beneficial even for a long term customer of Guitar Center. There are no rewards or benefits. The grace period is 25 days which is too short. The only temporary advantage is that there is 0% intro rate for the first 18 months of purchases. This meager benefit doesn’t justify getting this card. My American Express Blue Cash card offers excellent rewards and benefits - every few months I am able to get back $20-30 dollars which is a great perk.
I grew up in a small town with very few banks. I have had a Wauna Credit Union account since I was little and used it a lot when I was in high school. The customer service was always excellent and I knew the tellers and manager on a first name basis. I mainly used it for a savings account but I never had any issues. Even though I rarely use it now, I still have kept the account open. I wish corporate banks could be more personal and authentic like this Credit Union.
I have had a US Bank Easy Checking account for many years now. Recently I was low on funds and wrote a check with a specific day and told the person that they could not cash it until that day. They agreed and I thought the matter was taken care of but the next day I was online checking my account and saw that they had cashed the check the same day. There was a $36 overdraft fee on my account. I called the bank and explained to them that I had dated the check and they shouldn’t have cashed it. The bank customer service rep apologized and immediately fixed the problem. I am happy with their customer service.
I have had a US Bank checking account for many years and recently decided to open up a Standard Savings Account. Opening up the account was very easy – I logged into my online account, applied and was approved very quickly. It seemed very easy and hassle free because I could transfer funds with a click of a mouse. The following month however I saw that there was a monthly free. I called and talked with customer service and they said that you had to have monthly deposits to avoid the fee. I do not recall seeing this information when I signed up, otherwise I would not have opened the account. I closed the account and would not recommend this account to anyone.
Years ago I wanted to change my car insurance and got a quote from American Family Insurance. The agent I exchanged emails with was very pleasant and friendly. She was so nice that I signed up for the policy even though the price was slightly higher than the competitors. After we had the insurance for a week I received an email saying there had been a ‘calculation error’ and that the price was actually a bit higher. I talked with the customer service agent and she tried her best but was unable to change the price. I ended up canceling my policy because of this but their customer service agent was one of the nicest insurance agents I have even spoken with.
I honestly do not think the rewards for the BuyPower Card from Capital One are beneficial. They offer 5% earnings on the first $5,000 in purchases. If you rely on your credit card for most of your purchases (like I do) then you will quickly reach this amount and be reduced to the 2% rate. However, if you don’t plan on spending this much money then it will be beneficial for you. My Current Chase Freedom card offers 5% cash back (with different categories that change every quarter) but there is no purchase limit.
The only advantage of the AAA Member Rewards Credit Card is the reward program. I think that it’s great that you can earn 2 points per $1 for gas & grocery. These are the two primary reasons I use my credit card. The 3 points per $1 on all qualifying AAA/ travel purchases are only beneficial if you travel and use AAA. I think the rewards offered are better than my current card (Chase Freedom Visa) which offers 5% cash back on categories that change every 3 months. I do not like how the categories change because they you will lose rewards for a few months. This card offers better consistent rewards.
Overview: this card is great if consistently shop at Old Navy and their affiliates. It’s not that useful if you rarely buy clothes. Recommended for parents with kids. The Pros: 1) Excellent rewards. The $5 per $100 you spend is really good compared to my Chase MasterCard rewards (they change the reward categories every quarter and it’s frustrating). 2) You still earn 1 point per 1 dollar that you spend at different stores. 3) The 500 bonus Rewards for Paperless is great (my Chase MasterCard and American Express do not offer this). The Cons 1) Mainly beneficial if you shop at lot at Old Navy/affiliates and always need clothes.
I have always had a Visa card and was wary when my wife wanted to get a Macy’s store card. It turns out that the benefits and customer service is the same as my other card. In addition to this, you get great discounts and coupons!
After having frustrating experiences with Allstate and State Farm I was finally ready to look for a different insurance company. I learned about PEMCO through a random Google search. I applied online for a car insurance rate and got a very good quote. I ended up talking with a PEMCO rep directly who was very helpful and friendly. The application process was very easy and user friendly. My wife had one claim but the process was easy and we didn’t have to fight to get out check. I recommend PEMCO!