fixingthepast

6 Contributions 101 People Helped

Member Since: May 2014

Most Helpful Contribution

Credit One Bank® Cash Back Rewards Credit Card

Dec 20, 2018
Helpful to 36 out of 39 people

Had this card for about 12 months and it did what eveyon said it would, helped faciliate the repiar of my credit. But was it worth it?

The interest rate is apalling and charged daily so anything you charge you need to pay immediately. Speaking on paying..they charge if you want to pay immediately and a regular payment can take from 7-10 days to be carefule because you will incur a late fee if they don't credit your account in time even if you paid. And fees..man they have a TON of them and always trying to push more. Fees for their graphic card, fee for credit protection, fee to add another user..all those options pop up EVERY TIME YOU LOG INTO YOUR ACCOUNT. It is annoying.

But..it did it's job. Kept it 12-months total, charged on it, paid online two weeks before my due date, got one increase. After 6 months I applied for another, better suited card and got it. Closing this one is probably not advised if your credit is horrible since the credit history helps but I didn't want to pay the yearly fee again (yep..has a yearly fee) so I canceled it. Canceling was a chore and took a few hours to convince them to do it. Then, even after canceling I kept getting emails about my account from them, which I kept reviewing for a months to make sure I had no surprise charges. Once I figured that out I blocked their emails since I couldn't get it done via my old account on their site.

So yea..works to rebuild but sucks to keep and actually use if you have ok credit already and can get better.

Activity (6 Total Contributions)

Capital One® QuicksilverOne® Cash Rewards Credit Card

Oct 02, 2019
Had an annual fee but..
Helpful to 32 out of 33 people

I think it is totally worth it.

I started with a $2K limit, got that raised to $2500 once I made my first few payments on time and have not looked back since then.

They report well and have cashback. Will it be $95 a year in cashback? Probably not..but I would still keep this card.

Blue Cash Everyday® Card from American Express

Oct 02, 2019
This is my go to card for everything!
Helpful to 32 out of 34 people

I use this to pay all my bills online then pay it off before the billing cycle ends. Stacks of points that way.

I have never had an issue with this card, and even though my CR took a nosedive after buying a new car, my limit remains the same.

Credit One Bank® Cash Back Rewards Credit Card

Dec 20, 2018
Helpful to 36 out of 39 people

Had this card for about 12 months and it did what eveyon said it would, helped faciliate the repiar of my credit. But was it worth it?

The interest rate is apalling and charged daily so anything you charge you need to pay immediately. Speaking on paying..they charge if you want to pay immediately and a regular payment can take from 7-10 days to be carefule because you will incur a late fee if they don't credit your account in time even if you paid. And fees..man they have a TON of them and always trying to push more. Fees for their graphic card, fee for credit protection, fee to add another user..all those options pop up EVERY TIME YOU LOG INTO YOUR ACCOUNT. It is annoying.

But..it did it's job. Kept it 12-months total, charged on it, paid online two weeks before my due date, got one increase. After 6 months I applied for another, better suited card and got it. Closing this one is probably not advised if your credit is horrible since the credit history helps but I didn't want to pay the yearly fee again (yep..has a yearly fee) so I canceled it. Canceling was a chore and took a few hours to convince them to do it. Then, even after canceling I kept getting emails about my account from them, which I kept reviewing for a months to make sure I had no surprise charges. Once I figured that out I blocked their emails since I couldn't get it done via my old account on their site.

So yea..works to rebuild but sucks to keep and actually use if you have ok credit already and can get better.

First Tech Credit Union

Oct 02, 2019
"Tech" is literally in their name but..
Helpful to 1 out of 1 people

Never have a had a bank with so many downtimes and outages. Their online banking is a joke. I have a credit card with them and the interest rate is higher than an CU I have been with, my bad for accepting it. I am singed up for account alerts. They literally trigger 24-48 hrs AFTER the criteria that is supposed to alert me. I am just in the habit of logging into their online service (when up) everyday to check my accounts.

And don't try to call someone...hold times are on the double digits no matter when you call.

TwinStar Credit Union

Oct 02, 2019
Great CU

Never an issue.

Have a motorcycle, car, credit card and savings account them. Best people to talk to in person.

Their online banking wrapper is a little date but at least it is always up.

Blue Cash Everyday® Card from American Express

Oct 02, 2019

Enter Your Reply