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Hi there! There are a few ways that you can get rid of your PMI sooner. PMI, or Private Mortgage Insurance, is a way that lenders (your bank) protect themselves in case you default on your payments and usually …
Answer by: @alyssasmommy2007
I left Chase after 4 years as a customer. I really like how convenient the branches are. It seems that no matter where you are, there is a branch nearby. I also like the amount of services that the bank provides. Many places give discounts if you are a Chase member. I ultimately left because of poor customer service on a local level, however. The bank can be great, but if the people working there are awful it doesn't really do me a lot of good. We had issues with our debit card being used fraudulently online. It took ages to get the money back, and we had to jump through a lot of hoops. I understand the procedure, but the branch manager and tellers were all very rude during the whole process.
Unless you frequently shop at Old Navy, this is just a run of the mill credit card. You do get a little bit of rewards (1% back if not at Old Navy) but nothing that really sets the card out from the rest of cards available. All in all, if you're a frequent shopper of Old Navy or affiliated brands, this card would probably be worth it for the rewards you get from shopping in their stores. Otherwise, I say go with a card that offers higher rewards/cash back.
I love cards that provide bonuses and cash back. I feel like you might as well get some kind of reward if you're going to spend the money anyway. This card has, by far, more features and benefits of any other card that I've had or seen. In addition to the cash back opportunities, the Chase Freedom card gives you a lot of discounts at retailers and companies simply for being a member (any Chase card does this, actually, but why not use this card and earn cash back?) I really like the no annual fee aspect.
I had Liberty Mutual for 6 years before recently switching. I will say first and foremost that, for me, they were expensive. They were not the most expensive, but they were definitely not the least. I had moderate coverage and no accidents or claims at all. I recently switched because I found a lower price for the same coverage with a different insurance carrier. We were never offered any discounts or anything for being accident-free or ticket-free like some other insurance companies offer; but in fairness, this wasn't something advertised that they do so I'm not really complaining. Their customer service is just "okay". Having never needed to file a claim or anything, I can't vouch for how the service is in that department. All of my calls were billing related, and all I can say is they are average. Average wait times, average customer service rep knowledge, average everything. One time I had to have papers faxed, and they gave me a hard time about it. I had to prove my identity three times to 2 different reps before they would fax the paper - they said since I had never asked for anything faxed before, it was suspicious. I suppose I should be grateful for the extra layer of security. At the time, though, it was very inconvenient as I was in a rush. I do recommend them overall if their prices fit your budget. They don't offer any perks that would entice me to choose them again over someone else, but they aren't bad.
I've had a savings account here (attached to my checking) for a couple of years, and have never had a problem. For us, savings accounts are straightforward as we're pretty much just looking for somewhere to keep our "extra" money, and not really looking for any bells, lights or whistles. This account is great for that. You won't get rich off interest, but there's no unattainable minimum balance, it's easy to tie it to your checking for overdraft protection and if you need to transfer back and forth from checking to savings, it's easy to do that too. There is a limit to the number of times you can transfer from savings to checking, but that's a government limit and not a Wells Fargo limit.
My husband and I have an account here for about 4 years now, and I have to say that we are very happy. Usually with banks we have had in the past, something was went wrong, whether it was fees that weren't disclosed or poor customer service or slow processing time. But with this bank, everything has been very good. Recently, we fell into a rough patch during the month and one of our debit transactions made us go overdrawn. We reached out to customer service, who offered (Without us asking) to overturn the fee because they saw that we had been loyal, good customers. This is something that never would've happened with our previous banks.