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I originally signed up for a Sony card because the Sony store had a promotion going on. If you signed up and got approved for the card, you get 20% off your order. I decided to give it a shot only for the money off discount, but I actually ended up using this card more than most of my other cards. I love the low interest rates, that's a huge plus in my book. The best part for me, though, is the rewards program. I've already gotten money off my purchases just from using this card. I do shop at Sony a lot, It's pretty much the only brand I'll shop with when it comes to electronics. Since I already shop with them, getting those extra bonus rewards definitely comes in handy for me. The customer service is great as well, I've never had a problem getting through, and the reps actually know what I'm talking about when I ask them a question. If you have good credit, this is definitely one card to go for!
Last year when I was trying to rebuild my credit, I signed up for the Applied Bank secured card. I figured this would be a great way to build my credit. I was not surprised by the $50 annual fee since that is stated up front, but I was pretty surprised at the interest rates I was being charged monthly. I was told my rate would be much lower when I applied, which is the main reason I applied. When I was hit with this ridiculous fee, I tried calling the customer service line and wasn't able to speak to anyone live for a half hour. This isn't very good customer service if you ask me! I ended up just paying everything off and closing out the card. I really would not recommend this one.
I absolutely love the reward system I get by using this card! I am a big spender, so my rewards really add up over time, which is great for me. I applied for this card a year ago, while trying to rebuild my credit. They took a chance on me and approved me, and I've been grateful ever since. My interest rate is a bit high due to my poor credit in the beginning, but thanks to this card, I am starting to build my credit back up to where I want it to go. The customer service department could be a bit better, but it hasn't caused me any major issue or inconvenience. I always pay on time, above the minimum, and have never had any problems. I also love the fact that I can keep track of my purchases easily, and I fully take advantage of their online card system. I would highly recommend this card to anyone!
I decided to get this card despite the negative reviews, and I'm happy I did! I have several different credit cards, and this is one of my favorites. The interest rates might be a slight higher, but they took a chance on me when I had bad credit. I pay it off each month, and I don't get hit with any hidden fees, which I like. Their customer service is excellent, they are pretty much always available. I am always able to pay my bill online with no issues, and they always send me a confirmation e-mail. I would highly recommend this credit card, it is a good choice. Just make sure you pay on time, like with any credit card.