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Like other people are saying, this was my first credit card. I gave them a shot because of the alluring title, good interest rate, and fair terms to someone looking to build up credit from scratch (I had zero credit before I opened up this card). For this reason, I have been able to build up my credit in a pretty painless way and not worry too badly about hidden fees and scary things that come along with credit cards sometimes. I would recommend this card to someone who is in the same position as me, looking to start their credit building with a good card with a good reputation that they can trust.
This card is every bit as good as my other Visa cards, save for the annual fee. This expires after the first year (only an annual fee for year 1), but it's still the only credit card that I have used that has an annual fee. I understand why, as my credit score was not great initially when I applied for this card, and it's not a difficult credit card to obtain. I still feel good about keeping it because I've already paid the fee and I have Visa's high rate of acceptance at merchants and good customer service behind the credit card. This makes me feel better about being able to use this card in normal purchasing situations. I suppose I would say I would recommend it based on these factors; it's a pretty standard run of the mill credit card and you can't go wring with a Visa.
I'll gladly pay an annual fee for a card that takes into account my good spending habits and allows me a credit limit increase as often as this Capital One card. My limit on this card has increased in proportion to my behavior with the card in a way that is much faster than any other card I have or have ever had. The other terms and conditions of the card are fairly normal and straight forward, and I'm glad I got over my reluctance to pay an annual fee because I would have missed out on a great card with great customer service. Love improving my credit score by spending money on this card. Definitely recommended!
This was the first credit card that I ever got. I understood that I kind of had to start at the bottom of the credit totem pole, as my credit wasn't really "bad", I just didn't have any to begin with. I understand now that that is almost worse than no credit at all. I didn't like the idea of the annual fee, but I understood that it was waived after the first year. I canceled my card after the first year because due to my building credit, I was able to apply for better cards. Still, I needed this card at the time and they were cool by giving it to be considering that I needed to start building my credit history somewhere and this was a good opportunity to start doing that. Bill Pay feature was easy, also.
This card was stolen from me and I needed to get in contact with Citi's customer service in order to resolve it. They had a very quick-responding fraud team that actually detected the fraud on their end and got in touch with me before I realized anything was wrong. That was impressive to me. Before that, I was happy with my card. The terms are fairly common for cards of this type, but any time I can extend my line of credit for no annual fee and help build up my credit score, I will take that opportunity! A great card that comes highly recommended, especially if you're not relying on it as your primary card. The points don't hurt, either!
This was the first hotel rewards card that I got. Since I was traveling more with work, I wanted to pick a hotel to remain loyal to due to the large benefits this industry offers for people who perform repeat stays. This card had no introductory fee for the first year, and after that the rewards basically paid for the card's annual fee without an issue. I have had to call their customer service once - when I looked online and rewards that I had earned were not posted. They were very friendly and explained to me why this discrepancy occurred, and their customer service did not keep me on hold very long either. This is a great credit card!
In the interest of pursuing a higher credit score so that I could obtain funding for a business I am starting, I decided to go with this Secured Mastercard from Capital One. To be honest, I saw it advertised on TV so much that I applied for it for that reason. It's nothing that I put any huge purchases on, except for this last year, when I did all of my christmas shopping on this card. I haven't had to deal with their customer service, so I can't speak to that part of it. However, it was very easy to pay off and clearly communicated to me what the terms were and what I was looking at for an annual fee. Although I initially wasn't too happy about having to pay an annual fee when some of my other credit cards do not have one, the ease of paying online and the fact that they accepted me in the first place makes that okay. I would recommend this to anyone who is in a similar situation as me.
This is a credit card for which I applied when I opened my account at our local Citi Bank branch. As with all other cards I've had in the past, I applied for this card in order to build credit. I wanted also to have a backup plan in case I was in a situation without cash. Since I use it now, I'm within the first year and I have not had to pay an annual fee. In the case of annual fees, most credit cards I have and have used in the past do not have one, so for this reason I will not renew the card. It was an attractive offer at the time since there was no annual fee, otherwise late fees and other features of this card are pretty run of the mill. Since it's linked to my bank account at Citi, it makes it convenient to check my balance and this is a card that has gotten a lot of use from me as of late. I would recommend it, at the very least for the first year. After that I would cancel since the annual fee is relatively high.
I don't even own a Harley Davidson - let's get that out of the way right up front. My brother applied for this and since a Harley store opened up right by our hometown, he has been getting a lot of use out of this card. So he insisted that I apply for one also and as long as I won't be using the points for myself, he asked me to let him use any rewards that I've accumulated. Since I was looking for a new 'hassle free' credit card anyway, I said okay, why not. No annual fee on this, you can imagine that would be a big deal since I'm not even using the rewards. Other information like APR and late fees are pretty run of the mill. It's a standard credit card with extraordinary awards if you are a Harley enthusiast. If not...maybe someone in your family is. :)
This is the very best reward system I've experienced in a credit card. It makes it well worth the annual fee, in my opinion. The rewards stack up so fast it's hard to believe - when I turn my head, I have double the points I had last time, it seems. I've used these points towards gas and it's made a big difference. I haven't had to deal with their customer service but all in all I am very happy with this card and the ways that it has made my life easier. I would recommend someone trying to build up credit pony up the annual fee money and give this card a try - you won't be disappointed.
When Northwest Airlines folded and Delta (who absorbed Northwest) was courteous enough to roll my miles and rewards into their SkyMiles program (for a small fee), I went ahead and applied for this card. I never had a credit card linked with my WorldPerks Northwest miles, and I knew this was arguably the best way to rack up points, so I took this as an opportunity to start over and start to accumulate points and miles with this card. The initial mileage bonus is generous and what immediately attracted me to this card. I admittedly do not use it enough nor do I fly enough to have any free trips, but I was able to rent a car totally free of charge due mostly to charges I've placed on this card. It's a good card for someone who travels a lot, but I don't know if I would recommend it for someone past the first year. There is no annual fee for this period, and if you cancel within the first year, you can still keep your mileage bonus. Just my two cents.
I needed a credit card separate from my bank-issued debit card, mostly in order to process transactions online through Amazon and eBay. I thought a prepaid card would be the way to go since I didn't have to go through the hassle of applying for a card with an actual legitimate credit limit. It's very easy to use, and the fact that there is no fee for transferring or putting money on this card is attractive. The other fees, in my opinion, make this a poor choice however. There is even a fee to contact customer service, which I haven't done for this reason. There was one month where my monthly fee exceeded the purchases I made with this card. To activate it was ten dollars, and to cancel it (which I ended up doing) was another fifteen dollars. I don't understand why there was an inactivity fee. I felt as though they were watching everything I did to make sure I was using this card just right. For this reason, I can't in good faith recommend this to anyone else.
This was the first credit card that I ever applied for, as I had no credit to begin with and wanted to start building up credit so that I could buy my first home. It isn't the fanciest card when it comes to cash back rewards and things like that, but it has no annual fee, a pretty forgiving late fee, and offers a cash advance (albeit at a rather high rate of interest). I primarily just put my monthly gas purchases on this card and make sure to pay off the balance in full. If I were to somehow forget to do this, the late fee wouldn't break me and I was still able to use this to increase my credit score. I would recommend this card, just as the title says, for 'newcomers' or beginners to credit cards.
Got approved for this card as my first credit card, when everyone else was rejecting me because I had no credit. How do you build up credit unless you have a credit card? I didn't want to use a prepaid card to build up credit, and so my personal banker helped me apply for this one under the pretense of having no annual fee. They explained the rewards system to me too, but that wasn't a big selling point for me. In fact, I have yet to cash in any of my rewards. Interest rates are pretty run of the mill, from my understanding, compared to other intro-type cards. My credit is now 800+ where I used to have none at all, and I have nothing but on-time mortgage payments and this credit card to thank.