The Bank of Edwardsville

I have used The Bank of Edwardsville for my checking and savings account since I was 16 years old. They have the standard 0-8 dollar fee every month (depending on how much of a minimal balance you keep in your account). They have also been extremely easy to work with on overdraft fees. I have had three overdraft fees that I have been able to have refunded with them by simply explaining my situation to a customer service representative. Their customer reps have always been polite and explained to me why I received the fee in the first place, while still overturning/refunding the fee for me.

The Bank of Edwardsville was easy to get a home loan with. They have trusted local loan officers who are easy to work with and easy to get ahold of in a pinch. They did not make my husband or I feel the least bit awkward regarding our income or credit history. Plus, I knew I could trust the Bank of Edwardsville because my family had been working with them for years. When my father passed away, the Bank of Edwardsville worked with my mother to help reduce her mortgage payments for over a year so that we did not lose our home during that time.

I’m familiar with young adult novels, but I’m not quite sure I’ve ever seen a young adult credit card. It’s especially weird when you consider that most people believe the CARD Act made it significantly harder for people under the age of 21 to get credit cards. While young adult generally means 13-17 in the literary world, I’m guessing it means someone who is of college age or a bit older and is not actually enrolled so they cannot get a regular student credit card. Anyway, why don’t we see what the Bank of Edwardsville Young Adult Visa Credit Card brings to the table, besides a unique type of branding. Unfortunately, the Bank of Edwardsville Young Adult Visa doesn’t bring much else at all to the table; it doesn’t have rewards of any kind, nor does it have a low introductory interest rate. Yes, the Young Adult Credit Card does not have an annual fee either, which means it’s a low-cost way to access and subsequently build credit, but if you have any other options that have the same low cost as well as some other draw, then it would be preferable to being a Young Adult at Bank of Edwardsville.

One example of a card that would best the Edwardsville Bank Young Adult Card would be the Capital One Cash Rewards for Newcomers. This card doesn’t have an annual fee either and it gives you 2% cash back on travel as well as 1% on everything else. If you can get this card, go for it, but you’ll likely need higher income or a bit more credit history than the Bank of Edwardsville Young Adult Card. With either card though, you’ll need either to provide a cosigner or demonstrate the income/assets needed to make monthly minimum payments.

Who’s on Team Edward(sville)? Well, I suppose that depends on what exactly the Bank of Edwardsville Visa Signature Credit Card has to offer. Not too much, it seems. Sure, you get 2,500 bonus points after first use, but that’s only good for $25. You also only get 1 point for every dollar spent with the card, which is basically the industry standard base rate and is typically supplemented by much better rewards on specific spending categories. The Bank of Edwardsville Visa Signature Credit Card also offers 0% on purchases and balance transfers for 6 months, but considering the fact that you can find cards offering 0% on both for 21 months, that’s not such a great deal.

Since you shouldn’t apply for the Bank of Edwardsville Visa Signature Credit Card, you need to find another card to get. As far as I know, there’s no Bank of Jacobsville Visa Signature Credit Card either, so you can cross that off the list. The eaxact card you get really depends on your exact needs. If you want rewards, I go with the Chase Sapphire Preferred, which offers a $500 cash initial bonus, or the Blue Cash Everyday from Amex, which gives you 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% on everything else. If you want a 0% rate, go for the Citi Simplicity Card or the Citi Platinum Select, both of which offer 0% for 21 months.