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I have a regular Capital One Platinum Credit Card and also got this Venture Credit Card solely for the miles benefit. Once I spent $3000 I got a bonus 40K miles which was not hard to spend and for every $1 spent I got 2 miles, which was also awesome. I travel a lot to see my family, so any miles I can get to lessen the expense to see my family is helpful. I can use the miles anytime and there are no blackout dates.
I opened up my Chase Savings account about a year ago when they were doing a promotion that if you deposited $1000 or more of new money into the account then they provided you with a $200 account credit. It took me less than 5 minutes to open the account online as I already had a Chase Checking account and simply had to transfer the money from my pre-existing account to the new account. Although I do not maintain the $300 minimum each month, I get the fees waived by having a steady automatic deposit come from my checking account on the same day each month. I have never had any problems with the account and find it easy to utilize. The only thing that I already keep my eyes out for is that I don't exceed the 6 withdrawal limit each month because once you exceed it Chase charges you a $5 fee per transaction over 6. Transfers between my Checking and Savings account are instant so that's good too
Overall compared to other credit cards, I find the American Eagle (AEO) Credit Card to be a pretty good card. The rewards component is awesome, especially if you shop at AEO since you get a 4% reward. The non-AEO purchase rewards of 1% can really add up too. Since the rewards are only redeemable in discount form at AEO it is definitely an essential that you shop there and this can be considered one of the few downfalls or cons to the card. The APR is not that high as compared to a lot of other cards, although 23.99% is on the higher end of normalcy. The grace period of 23 days is a very generous feature since most credit cards only give 10 days.
I am not going to say I have had the best or worst experience with NEFCU, I just was not at all impressed. In October 2014, I went into NEFCU to secure a car loan for a car that I was purchasing out of state. I had called before I had arrived and the person on the phone was very helpful; however, when I arrived the game changed entirely. The banker I met with was truly unhelpful. He did not want to answer any of the questions I had, he wanted me to open up an additional savings account (I already had a checking account with them) before he would even start the car loan paperwork. He also wanted me to bring in my previous year's tax returns as well as letters of reference for the car loan. There was not a single part of the process that made sense or seemed legit. When I inquired as to the interest rate on the loan I was applying for he told me anywhere between 0.9% and 24.99%. THATS A HUGE RANGE. Furthermore, he told me the loan would take 7-14 days to secure and another 7-14 days to get the paperwork done. I needed the loan within the week as I was flying out of state to purchase the car. Needless to say, I did not use NEFCU for my car loan.
I had been banking with TD Bank since it was Commerce Bank about 10-15 years ago. I was with them as a customer from roughly 2001 through 2012. I found the bank to be less than satisfactory. To begin with, as a student (which I was until 2008) I apparently was entitled to completely free checking with no overdraft fees or any other fees. It was only after TD Bank had charged me over $1200 in fees over a 6 year period did I find out this little known tidbit. When I inquired about a refund or credit for all the fees I accrued but should not have been charged for they told me it was my fault that I didn't know about the student checking. I then proceeded to pull all my money from TD Bank as I found another bank that was more to my liking. Nearly 2 years after I "closed" my account, I got a bill from a bill collector saying that I owed TD Bank $345 in fees due to not having the minimum balance in my account. It became obvious very quickly to me that the representative that had "closed" my account in fact never "closed" it but actually left it open for nearly 2 years after I had removed all the money. Would not bank with TD again. Customer service was horrible, a lot of unclear fees and disclosures.
I have both a car loan and 2 credit cards through Capital One. I cannot be happier with the service that they have provided. First of all, when getting a car loan, I had a lot of problems. I live in NY and was buying a car in Pennsylvania. Unfortunately, none of the banks in PA would underwrite a loan for an out of state purchaser so I was left to secure my car loan on my own. I contacted Capital One and was easily taken through the application process and within 24 hours had secured my loan. They were incredibly clear and concise on what they needed from me to get the loan and someone was always there to talk to. They were able to overnight me all paperwork so that when I flew to PA and went to the dealership everything would go smoothly. Furthermore, months down the line when I had a question about a $15 charge on my account and I contacted them, they called me back daily to update me on what they were doing in terms of investigating and rectifying the issue.
I switched from State Farm to Travelers a couple years ago and have never been happier. They are a great company, customer service is really awesome. For me, a big selling point was that there was a company location right in my office building so when I have had a problem or claim I am able to walk right downstairs one floor and talk to someone. Their drive-in claims center, also located at my office, is very convenient and makes my life a lot easier.