BTW I have HSBC and ING.. ING is better.
BTW I have HSBC and ING.. ING is better.
Originally Posted by Julio
No she didn't make it sound easy, I know this is going to be a huge pain in the ass. The biggest problem right now is that I can't even see my credit report, I don't want to freeze my credit or place an alert on it because I don't even know if in fact there is anything on it. The only reason I think there may be is because of these "test" questions that HSBC gave me coupled with the fact that for some reason I can't even view my credit report online, I've even tried paying the $40.
**** this. This is so ****ty.
What do you like more about ING than HSBC?
Why can't you view it? If it's giving you a hard time online because addresses don't match up or something, do the mail in request that they offer on their site. Try Equifax first. You mail in a form along with proof of identity. Since they are located right here in Atlanta, you'll get it back very fast. I've ordered mine over the phone before and had it in a day. I would think through the mail would be 3 or 4 days.
2005 Mazdaspeed MX-5 -1.8L Turbo
I don't know why I can't view it, I've never changed my address or anything before. It's okay though, I've got it figured out now. Thanks for the help, I forgot Equifax is in Atlanta.
Wow... HSBC is down to 3.05%, ING is down to 3.00%.
Just opened an account with ING, thanks Jenn!
when I went to Wachovia last week they were tying to get me to sign up in their new savings account. it has a few dumb things in it but also offers 5% for the first year. I was thinking of doing it but not sure what hidden rules they may have. Like having to keep your money/account open in there for a few years and limits on home much interest you can make....etc...
If anyone could figure it out and let me know what they think about it that would be great.
http://www.wachovia.com/personal/pag..._12660,00.html
Basically every time you make a purchase with your check card, they will transfer $1 from your Wachovia checking account to your Wachovia savings account. At the end of the year, they will take this total number of dollars transfered and give you a five percent bonus on that money. So lets say you make 100 purchases with your check card throughout the year, that equals $100 transfered into your savings from your checking. A five percent bonus would be $5. Then the following years that bonus drops to 2%.
I guess it's kinda helpful if you don't trust going the online savings route, but it's really not as good as it sounds. Unless I guess if you use your check card 10,000+ times per year, then maybe.
but you can also add money too it. I got that far but r you saying that you don't get interest on the money you add to it? and do you think there is any limitation to the amount of money you can put in there and gain interest from?
Yeah I guess you're right, I see what you're saying now. I don't see any limitations, but I haven't read the fine print. Maybe it is a good deal, we need to make sure that you don't have to keep the account for X number of years before you actually get to withdraw the bonuses that you've earned.
yeah, I guess I'll just stick with ING....you should have seen the lady at the counter in Wachovia...she wouldnt let me leave....I was like no thats ok I have another place i use for my savings account. Her manager (that was standing behind her) didnt like that response at all...lol
LOL, Wachovia has never really been very helpful for me. I guess they're fine for my checking account though, it's nice that they have so many ATMs around.
yeah same here...thats all I use them for...
On the Wachovia account, you get a 5% bonus once during the year and then 2% once a year for two years after that. You will get the bonus based on whatever amount you have in your account on the day they calculate the 5% bonus. It doesn't accrue the 5% as daily interest. It doesn't say what the base interest rate on the account is, if there is one like on other savings accounts.
Also, there is a $300 maximum bonus. So eligible amounts for the first year are $6,000 and $15,000 for the next two years.
"2 Customers enrolled in the program earn a 5 percent annual bonus in year one, up to $300, and a 2 percent annual bonus in years two and three, up to $300. Bonuses are calculated on an annual basis for the first three years on eligible balances. The eligible balance is equal to the savings contributions for the current year (i.e., the sum of the $1 transfers and up to $1,200 of the recurring transfers) or the Way2Save account balance, whichever is less."
2005 Mazdaspeed MX-5 -1.8L Turbo
i'm w/gmacbank, have been for about a yr now, great rates (comparatively, esp during ****ty times like these).
what's the interest rate over there right now?
flat 3% i believe.
Im thinking of getting some money out of my ING account and buying government bonds. Not gonna help much but I want to get used to how bonds work and then ill buy some corporate bonds. The ING 3% just isnt cutting it lol.
ING is 3% as well.
yeah well now that it's sh1tty everywhere i'm not surprised, but just 6 months ago gmac was at 5.25 while ing and others were under/at 5.
not to mention all the other benefits of having what's basically a free checking acct when you sign up w/gmac bank. hell they even pay your atm fees 3 times a month (yes, fees from both sides).
Yeah that sounds pretty nice, I just decided with ING mainly because they were the only people that I had seen commercials about / billboards. So I trusted them a little more than the others.
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