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My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop for my girlfriend a lot at Victoria’s Secret, and it’s certainly not inexpensive. A few years ago, a sales associate asked me if I wanted to open one of the store’s credit cards as I was checking out. I usually hesitate, but it made sense this time because I got a 20% discount at check out, and I earn points for every dollar I spend. When you earn $250, you get a $10 reward.
Years ago, I got myself into debt and hurt my credit score. I had to get back on my feet with a prepaid credit card. If you go this route, I recommend American Express because they’re reputable. I had to make a deposit which was the amount of money I had to spend on the card, i.e if you put down $500, you have $500 to spend (unless there’s an additional security fee). I was sure that I did not overspend on the card so that I could build my credit again and not be stuck with unsecured cards.
I had the Gap credit card in the past, and I was overall pretty pleased with it. It requires decent credit to open, but you do get 15% off your shopping purchase. If you like to shop at Banana Republic, Piperlime, Athleta and Old Navy, you also earn points per dollar you spend there too. There are $10 rewards gift cards for every 1,000 points you earn. There are special savings for your birthday as well. The interest rate is fairly high so I would recommend using this card with caution and paying it off in full monthly.
I used Experian to retrieve my credit score last month, and I found it to be simple to use and straightforward. They made getting my credit score an easy and affordable process. I would recommend the site.
I had a savings account through Nationwide Bank in the past, and I was not thrilled with it. The interest rate was very low, from what I remember less than 0.35%, and there was also a monthly fee. Having since transitioned to a new bank to keep my savings account, I realize that their monthly fee was also a bit bogus as well. I found that I couldn’t rely on them customer service wise either. It took a while to get phone calls or emails answered, and I was never happy with the responses I got.