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Answer by: @shelley_leppert
The Barclay Rewards Master card has one thing going for it and one thing only, and that is that there is no annual fee. Why would they need to charge one, though, when you consider the truly amazing interest rate. Holy moly. Nearly 25%. People, stop. Don't use these credit cards. It is a trap. Unless you can pay off your balance every single month without fail, this credit card will not help your finances out in the least. Customer service is nothing special. I have talked to them a few times and the response has ranged from surly and rude to adequate. Getting a person on the line seems to take awhile, so be prepared to wait a bit if you call. I don't recommend this card. I think this corporation preys on people who are down on their luck. You don't need good credit to get this card. Be very cautious. Pay it off monthly or suffer the consequences.
I never actually opened a checking account here. I was a customer of Wachovia, which used to be First Union, and then I think there was another name change in there somewhere, so none of this inspired confidence, as you can imagine. However, I was pleasantly surprised because I recently was the victim of identify theft. Someone stole my debit card number and ordered thousands of dollars worth of items from my checking account. Naturally I was extremely upset, just besides myself with worry and sickness, however, I need not have been so upset because after one phone call with the bank my money was provisionally back in my account and in the end the bank covered all of the expenses. I made it my business to call the companies involved to make sure that the items fraudulently ordered never made it to the destination they were intended, as well. I feel the bank should have done this, but they would not, so I did. All in all, I was satisfied with the outcome.
West Coast Federal Credit Union has been a great credit union to belong to. I have several different accounts here and I've never had any problems. It's pretty much what you would expect out of a bank, except it's a credit union. The checking fees are very reasonable and the interest rates for loans are in line with what you would expect at a traditional bank. I don't remember what are the requirements for belonging to this credit union, but whatever it was, it was not a prolonged process, it was very easy to sign up and do business with them. I give them 4 stars and the only reason it's not 5 stars is because they only have the one location that I know about and so therefore it's not a bank where you have a bunch of different locations you can go to for your convenience. Otherwise, it's great! 4 full stars.
You would think at some point, being a good customer would count for something, but in the world of insurance, they do not reward you for anything; at least not with this company. If you are Floridians with a mortgage, like us, you've been forced into doing business with Citizen's as ridiculously, although we have never submitted an insurance claim in our lives, and additionally, live on HIGH ground, as Floridians no one else will insure us. Since I have never submitted a claim, I can't say much about how this company works. Basically, they take my money and I never, ever, ever see anything in return. I'm unhappy because that based on where we live (high ground) and our long lives as people who never submit a claim about anything, we would qualify for discounts. We don't. I'm moving out of this state. It's half the rate anywhere else - if that.
This is another credit card that seems great initially, then you realize it's been designed to separate you from your money (like ALL credit cards). You don't have to have great credit to get it, and that's fine, I understand that from time to time making purchases on a credit card is desirable. The only thing that should matter is the interest rate: on this card, it's 11.9 to 19.9 which is bad enough, but just look at the completely insane penalty rates and cash advance fees. That's nearly 25% interest for a cash advance, and max penalty is 29.4, keep in mind folks, this is what they are advertising to do TO YOU if you fall behind in your payments. Keep in mind that punishing rate is what they gleefully have in store for the people who can LEAST afford it. I call foul; this is ursury - better cards exist and you should probably choose another. Or make sure you can pay the entire balance in full every, single month.
The Target card is one of the very few store credit cards that I own. The reason is simple; it saves me money in the form of a) 5% off on each and every purchase, either online or in store and b) free shipping on every order, no matter how large or small. Typically my orders are small and would not qualify for free shipping so now that I have the card I can pick up whatever I want and have it shipped for free. I pay the balance in full every month and cannot speak to the interest rate; my recommendation is pay your bills in full every month, or don't use your credit cards. But you do pay your bills every month and/or the amount is negligible, definitely get this card; it's worth it.
I've lived in my Florida home for nearly 20 years now, and every year it's been harder and harder to get home insurance. Because of this, the state of Florida has provided this insurance though Citizens. Since I have a mortage, like most, I am forced to carry this insurance, which gets higher and higher in cost, every single year, even though a) I live on high ground and am in no danger of flooding or b) I have never, ever, for any reason submitted a single claim on my homeowners insurance. The rates here in Florida are ridiculous and I will be a happy camper once I move out of it. The rates in Georgia, for instance, are less than half of what it costs to live in FL. I don't recommend this insurance, but since I really had no choice at all in the matter, why would I? As I Florida resident, no other company will insure us, even though we have never had a single claim.
This bank is just like any other bank; they are designed to separate you from your money. I really have a problem with the fee for the overdraft charges. God help you if a check does not clear for whatever reason...I am talking, of course, not about the checks YOU write but a check given to you as a payment. If that does not clear and as a result, your checks do not clear - this being, in my view, NO fault of your own - then they are more than happy to charge you $35 per overdraft. In all other respects, this bank is only average. Average customer service. Average products. I would, and did, put my money elsewhere.
The Chase Liquid Prepaid Card is another product designed to separate you from your money. While we all know that credit cards are bad for us, at least a regular card does not rip you for monthly fees! Not so here. While they generously allow some free fees, as shown above, I note that it's a $4.95 monthly fee and a $2 ATM transaction fee. So let's say you use this card for one year, and, conservatively, use an ATM twice per month. That bumps your monthly fee to $8.95. Use that for a year and you've dropped a whopping $107.40! I don't know about you, but to me, that is real money, folks. It is absolutely not worth it, at all. Why does the Chase Liquid Prepaid Card deserve that much of your hard-earned money? I do not believe they deserve it. They say they will waive the fees if you add your checking - OK - seems fair enough, right? Maybe, but if you have a checking account, I do not believe you need their prepaid product at all. In that case simply use your debit card. This type of product makes me very angry. I don't see a need for it, and I believe it's marketed to people who are not sophisticated in their use of credit. Please educate yourselves, and stay away from credit cards as much as you can.