+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I obtained an Open Sky Secured Visa Card during college to help build up my credit. The card was easy to get because there is no credit check, however you have to put money down in order to get a line of credit extended. Compared to other cards, like the Capital One Platinum Card, the Open Sky Visa really does not offer much. While it is easy to get, there seems to be an extra fee involved in just about everything. You have to pay $25 each time you add to the deposit and there is an extra annual fee to the card as well. It seems they try to charge you a fee for everything related to the card. However, the card does have a pretty fair interest rate compared to other similar cards. Overall, I'd say this card is decent for those trying to build up their credit but to be careful of all the extra fees and charges you can easily accumulate.
I have had the Capital One Platinum Card for a few years now. This card is great for a first credit card, as I was accepted without any substantial credit history. I started off with a credit limit of $500, and over the years I have been able to increase that to $4000. The APR on this card is high compared to other cards, so I don't usually carry a balance on it. The card also offers no rewards which is the main downside for me. The lack of rewards really stands out as a big negative when you compare it to a Citi Double Cash card or even to other Capital One cards. Whenever I have had to use customer service to ask a question or get some help, the employees for Capital One have always been very friendly, helpful, and personable. Overall this is a good card for people with bad credit or no credit, but it doesn't quite measure up to other cards when comparing interest rates or reward options.
I have banked with Chase for a while now and recently opened a savings account in addition to the checking account I already had there. What I liked about the process was that the account was very easy to open and all my fees were waived. There is also no fee to having the savings account as long as you link it to a Chase checking account. What really attracted me to the savings account was the good interest rate offered. In addition there have a really good online banking and mobile banking interface. This makes it easy to transfer money to and from your savings account, as well as keep yourself up to date on how much you have in your account.
Safe Auto is a good insurance company to have for anyone who is on a budget but still wants good coverage. They have competitive rates and excellent policy options. I have had liability and full coverage insurance with them for 2 years now and have been very pleased with the service I have received. I have had one small fender bender while I've been with State Auto, and the whole claim process went relatively smoothly. The woman who assisted me on the phone was very helpful and everything was settled quickly. Their general customer service is also pretty good if you need to call for a customer service or billing issue. I would definitely recommend Safe Auto for anyone who is looking for affordable car insurance and great service.
I have had my Chase checking account for a few years and have been pretty satisfied overall with it. The best thing about it is that it is always easy to find a Chase ATM location nearby and the people who work there are friendly and helpful. However, one of the major drawbacks of this account is the heavy fee they charge you if you do not meet their monthly requirements for an account balance. This was difficult for me when I was in college because money was tight and I did not have a job giving me direct deposits so that I could get around Chase's monthly balance requirement. I think the fee is expensive and ridiculous because they are essentially charging you to use your own money. So if you are low on cash, or in college, or do not have a job with direct deposit, then be vary wary about the extra fees that Chase can add on by you having a checking account. This is the biggest problem i have had with this account, but overall it is a decent beginner's checking account.
I had a Belk store card for many years and think one of the best things about it is the extra savings and incentives it offers for being a loyal customer. You receive 15% off your entire purchase during your first day of shopping and using the Belk card. The card also offers reward dollars for every purchase you make at the store. While the rewards are not as good as my Target store card, they are better than what a lot of other similar stores offer. The downside of the card is that the interest rate is pretty high and there can be some lofty late fees if you're not careful. Another downside is that unlike my Macy's store card, the Belk card cannot be used anywhere but Belk stores. Compared to other store cards, the Belk card offers great incentives but is only really worth it if you are a loyal customer that shops there often.
I have had this Fifth Third Checking Account for a couple of years now, and overall it has been a positive experience. I really like the online banking features they offer for this account, as well as their mobile app. The mobile app is super convenient because you can deposit your checks by taking a picture on your phone so you never even have to go to the actual bank. The main negative of this account is that there is an $11 fee if you do not meet the minimum balance they require each month for the account. In addition, there are no real benefits or extra perks that come with this checking account, it is just a pretty basic one. However, the staff at Fifth Third are always super friendly and welcoming when I do go into the bank, so that more than makes up for it.
I started banking at Fifth Third when I was in high school, so I have used them for over 10 years now. At first I was really happy with the service because whenever you go into a location the tellers are very friendly and helpful. However, there are little things they have done over the years that have annoyed me and made me question whether I should continue banking there. In college, I was a student and was struggling with money. Throughout my college years, I found a lot of Fifth Third's policies to be unhelpful and harsh. You really need to watch the overdraft fees you can get as they can be per transaction and pretty expensive. I also was not happy when they started charging customers to keep a checking account at the bank. It is now $12 a month to keep a checking account at Fifth Third if you don't, or can't, prescribe to all the little rules and regulations they have about how many checks you must deposit per month. There is also a pretty hefty charge for withdrawing money from another ATM, around $5. This is also frustrating when traveling because Fifth Third locations are often only plentiful in some Midwest towns. I am still banking at Fifth Third, so obviously these frustrations have not been enough to make me leave, but someone new to the bank should be aware of these issues before they sign up.