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I found it really hard when I was looking for a card to help me rebuild my credit. This card allowed me to have a relatively low debt limit by letting me choose my credit limit up to $3000. The annual fee is somewhat nominal at $50 and not at $75 like others. I had the Matrix card and the interest rate was ridiculous and the rate here is 14% and is more manageable. This has been a great card to rebuild my credit with and I am happy with the card itself and the services that come with it. It is a very simple card with rate and annual fee, no frills here.
I found it really hard when I was looking for a card to help me rebuild my credit. I can understand the $75 because I have had bad credit, but the interest rate was very hard to manage at 29%. I find it somewhat ridiculous that I want to rebuild my credit at the expense of being broke on interest. I am trying to get in the habit of paying it off each month and not having interest charges, so I guess the good thing about the high interest rate is that I am afraid of having any money left on the card to pay at the end of the month. Overall it has not been bad, but I might advise you took look elsewhere for a good card to start with.
I very much enjoy American Express as a company very much. I have this card with them and also the American Express corporate card. Both cards have been very simple to use, pay off, and maintain with American Express. The only thing I dislike is that not everyone takes the American Express card and I have to use debit on occasion. I really prefer American Express credit cards because their website is very easy to use to navigate my bills, transaction history, communications, etc. I recommend any cards that they promote or offer because of their excellent customer service and ease of use as a consumer.
I chose this card to help me establish a better credit rating. I have always had trouble qualifying for a credit card base on my credit from a home foreclosure. I found Applied Banks Secured V and loved the low annual fee and rate of 9.9%. I appreciate that it does not go up if I am late on occasion. It is nice that there are no monthly fees, just the $50 annual fee. There are also very limited other random fees that show up on a lot of other credit cards that I have had in the past. Applied Bank has a very good customer service when you have to call with a question. They do not waste your time on the phone or try to sell you more services or lines of credit. Overall a worthy card and company.
I have had a tough time working with Capital One over the last few years. Sometimes I do not get the sense they care very much about my small business, but more the interest they are collecting from my card. I signed up for this card thinking that it would be a very simple process, but it seems like to get qualified for the card I had to break into Ft. Knox. I can appreciate the good customer service I have had from time to time, but it really depends on the customer service representative I get. Overall, it is a good card but not sure I can recommend Capital One as my first choice.
I must admit I am not a big fan of Bank of America, especially this card. I thought it would be great for a new college student to have a card that encourages me to start building my credit. However, I did not miss a payment, but wound up sending a payment in late just once and my card rate went up almost 10%. I felt like there was no grace period at all and immediately it hurt my credit and I felt from the start they would try to encourage me to have good credit with a card like this advertised to students. I do not encourage any parents or students to get this card.
I needed some type of credit card to start building my credit record in college and after a lot of shopping with my mom we came across the Discover Student Credit Card - $20 Cashback Bonus. I have to acknowledge I know and appreciate a little more than the average college student about my future finances and that I need work now to build my credit. The rewards and the initial $20 really enticed me to give my new credit card a work out, but keeping an eye on always paying off my bill each month. I have only had the card for about 6 months, but have not had any problems at all with it or Discover.
Starting off college I needed some type of credit card to start building my credit portfolio and after a lot of shopping with my dad we came across the Journey Student Rewards Card from Capital One. I have to admit I know and appreciate a little more than the average college student about my future finances and that I need work now to build my credit. With a small credit limit, this card has allowed me to exercise my credit and not spend a lot, while being conservative and thrifty at the same time. I have only had to call Capital One once about any problems with this card. It is my smart card.
I have a First Progress Secured credit card. I am extremely unsatisfied with the customer service and delay wait times. When you make an online payment it may take 10 business days for availability of those funds. The disclosures speak of guaranteed payments as being available the day they are posted. If an ACH initiated by First Progress is not automatic I don't know what would be. I have not had any late payments with them ever, and I pay the balance of each statement every month so I don't incur interest. I think waiting 10 days for an ACH transaction initiated by First Progress is ridiculous. I think I will be looking to Capital One for another credit card soon. First Progress is losing my business fast.
Just got approved for 10K with a 761 score. I'm a 26 year old third year med student up to my eyeballs in student loans >180K, car note, and rent. I'm pretty pleased as this is my first high ceiling credit card and my first with Capital One. Doesn't mean I'll go hog wild with it but it will come in handy building my credit history and paying for travel expenses when I apply for residency positions across the country. I'll let ya'll know if I ever get the shaft, I've banked with them since I was 16 but that doesn't mean anything when it comes to refusing lines of credit.
This is a card I use on a regular basis and love the base rate that comes with it. The introductory rate of 0% and the no interest on purchases for 15 months have helped substantially in my decision to recommend this card. The rate after the 15 months can be high, but the 0% helped me to pay off a lot of debt in a short period of time. I have been extremely happy with this Discover card. One of the other major benefits has definitely been the cash back on purchases and the rewards for paying on time, which is completely unique in my honest opinion.
I have been using the IberiaBank Visa® Select Credit Card for almost 3 years now and I must say the main draw of the card for me was the super low fixed interest rate. When I started with this card it was at 6%, now it sits at 7.9%. Other than the annual fee, it is a no frills card that offers everything I need. My goal is to pay off my debt in the next few years and this is the best card I have had to not encourage me to go into more debt. It does not have any reward programs, airline miles of any sort, or cash back options; just the super low rate. I will admit many card companies pre-qualify you for their cards, it is not the case with Iberia Bank. You must go through a pretty lengthy screening process and analysis of your personal income to get the rate. This was the only drawback. It is usually not that hard to get a credit card, because most companies just hand them out with higher rates, but Iberia seems to foster a low rate as a reward for fiscal conservatism and good credit. Overall, I highly recommend this card to anyone seeking a low rate and a fast exit from the burden of debt.