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While I was getting quotes for $120-160 for my auto insurance, Nationwide quoted me $103. They were the lowest of everywhere I had looked. They also deduct $5 from your bill if you have it deducted automatically every month, so I was only paying $98. 6 months of being with them, my payment went to $87 per month. I will never leave Nationwide. They are the least expensive and perfect for my family's vehicle insurance needs.
This card requires Excellent credit, so if your score is “Good”, don’t bother applying. 13.99% interest rate is great, plus they allo 0% for the first 15 months on purchase and transfers. There’s no annual fee, which is rare these days. They allow a monetary bonus when you add authorized users and give you $200 when you spend $500 within the first 3 months. Every few months they have different categories where you can get cash back at gas stations and restaurants. Harder to qualify for than the Chase Slate card, but still a great one.
It’s hard to find a benefit of having this card when there are so many other Visa’s out there. You get 10% off at Gap, Old Navy and Piperlime on Tuesdays, 5 points for every $1 spent in store and 1 point for purchases where Visa is accepted. That doesn’t justify dealing with a 23.99% interest rate when there are cards out there like the Amazon.com Visa, where you earn points that can be redeemed for cash. You can find coupons online if you want 10% off at Old Navy. I would never recommend applying for their Visa. If you have the Excellent credit required to get this card, apply for a better rewards Visa.
This store credit card is good for people who don’t shop at Banana Republic (and family) stores a lot. You earn 5 points for every $1 spent and 1 point everywhere Visa is accepted. That can add up quickly, but they cap you at 2,000 points per year. The benefits for having this card are not worth the 23.99% interest rate you’ll have to pay. You’re better off getting an Amazon.com Visa card, for example, or another Visa with better reward point benefits at these stores.
This is not a credit card, it’s a secured credit card which means you have to put down a deposit amount that you want to make your credit limit. Most secured cards require no less than a $300 deposit and have “processing fee’s” when you apply (First Premier). This one does not. This is great for establishing credit and payment history (reports to all 3 bureaus). The annual fee is high, $36, but the best option for those who don’t have great credit.
You have to have excellent or good credit to get an Amazon.com Credit Card. Pay your bill on time to avoid the $35 late fee. The rewards program for this card is aimed to be taken advantage of by people who shop on amazon.com a lot. you can earn 3 points for every dollar you spend on their website. That adds up really fast and you can use the cash redemption option to use those point for more amazon.com purchases. You can also get 2 points for ever $1 you spend at a gas station. The rewards program for this card is great. If you have the credit and use Amazon.com frequently, apply for it and use it!
Open Sky Secured Visa Credit Card is a secured credit card so anyone can get this card. You have to place a deposit down and however much you put down becomes your credit limit. Great for people trying to establish credit or fixing their payment history. There are other secured credit cards out there who do not charge you Limit Increase/Reduction request fees. Merrick Bank Secured Visa is a competitor of this card and also has a lower annual fee. The late fee is only $20 with this card, which is not bad but totally avoidable by making timely payments.
I only got this card because I was unable to open a checking or savings account anywhere else. You can't do ACH debits from this, but you do have a routing number and account number to receive deposits, just as you would a bank account. You can't transfer from it though which I have found to be very inconvenient.
This is a store credit card that people with poor credit will not qualify for. Radio Shacks are almost non existent in some cities so obviously, don't apply for one unless there's one in your area. You receive 10% off all purchases which adds up if you do a lot of big purchases at this store. There's 0% interest for 6-12 months with minimum purchase requirement. If you buy batteries, the do give you 15% off, but again, this is a store card, so the benefit of having this card stops once you leave a Radio Shack store. There is no reward point or cash back system. I would not apply for this card unless I purchased large amounts of electronics from this store to take advantage of the 10% off.
This card is ONLY for people with excellent credit. If you're in the "Good" range, you won't qualify. You get $150 back if you spend $1000 in 3 months, which is easy if you use this card for groceries and gas. This card gives 6% cash back for supermaket purchases and 3% for gas purchases, so you would only want to use this card for those things. You can redeem cash back in the form of Reward Dollars and they credit your statement for that amount. There is a high annual fee of $75. Get 0% interest on purchases and transfers for the first 15 months. This isn't a credit card that the "average Joe" could apply for, but for those with excellent credit, the cash back rewards can't be beat.
This is a card only for people with good credit. It's also only for people who shop regularly at Kroger stores. You can quickly earn points by buying the Kroger brand products (3 points per $1). You get 2 points for every dollar spent in their store or in Kroger Family stores. The best reward of this card is the ability to earn free groceries. This reward system is ONLY applicable at Kroger or its family stores. It's a Visa, so you can use it anywhere that Visa is accepted, but you will only earn 1 point for every $1 spent. If you don't shop at Kroger frequently, you can benefit much more from almost any other credit card with a rewards program.
This is a good card for people who can't or don't want to, for whatever reason, open a checking or savings account. This is a prepaid card, not a credit card. There will be a fee no matter what ATM you use, but there is no fee for pin transactions. If you sign up for direct deposit, you can open a savings account for as little as $1. Again, if you have bad credit or bad relationships with credit unions or banks, this is one of the only ways you'll be able to get a savings account. There are no fees for direct deposit if you have at least 2 deposits totalling $25 each month.
This is a card with rewards aimed for people who use Expedia regularly. Double the "ThankYou points" for Expedia purchases and a $50 credit after your first $50+ purchase on Expedia.com. The interest rate is not horrible. There is a $35 late fee like almost all other credit cards but if you pay your bills on time, you won't have to worry about that. You can also Redeem points for cash, just like Amex and Capital One cards
I've been using Chase for my savings account and am very happy in all areas of service. My only complaint is their lack of pending deposit notification. I've used multiple banks and credit unions before and because of a joint account holder, those accounts were closed due to NSF charges. Chase was the only bank that would allow me to open a checking/savings account and be a member. Other banks will show pending direct deposit dates but Chase never does. You can even call in and speak with a representative the day before you know it's going to be there and they won't be able to see anything. They say it all "goes on in the background". It would be nice if they kept up with the other banks features and provided a little more information on direct deposits.
I've been banking with RBFCU since 1992. I recently hit hard times and we ended up having a vehicle repossessed last summer. I still have an active car loan with them. Through the whole ordeal, their customer service worked with us. If we couldn't make a payment on time, they said to let them know what date we COULD make the payment and if something came up that effected the date given, just call and update them with a new date. They worked with us as much as they could and I will always recommend RBFCU to family and friends.