Credit and Personal Finance Blog | Credit Karma

February 28th, 2010

Favorite Product Picks for February

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Every month, Credit Karma hunts through the top financial products to bring you our favorite picks, what we loved about them, and why you should give them a try too.

In February, we are focusing on offers that have the Best Service and came up with three that we just can’t stop raving about. If you want to treat yourself to a little TLC in your personal finance life, the following picks are sure to deliver.

Banking – WT Direct

If you looking for a secure bank for your large deposit but still want personal, one-on-one customer service, look no further than WTDirect. Why do we love WTDirect? WT Direct offers a competitive savings rate of 1.26% APY for accounts over $10,000, and has a trusted, stable 106-year history that other online banks, like Ally or ING Direct, just can’t offer.

The icing on the cake is the superior customer service to go along with the superior savings rate. Compared to other major account providers, WTDirect is one of the few banks to provide a range of personalized customer service with a live phone representative, client access to expert economic advisers at Wilmington Trust, and click-to-call option in which a representative calls you. Excellent banking options—including more ways to move your money, free mobile banking capabilities, unlimited account linking, higher transfer limits, and diverse personal account type—sweeten the deal.

WTDirect is service, stability, and outstanding banking in one bank. Why go anywhere else with your money?

Credit Card – Chase Sapphire

The Chase Sapphire Card has all the bells and whistles of a high-roller card, boasting top-of-the-line services like Auto Rental Collision Damage Waiver, Trip Delay, Price Protection, Zero Liability, complimentary concierge access, and 24/7 direct line to a personal customer live advisors just for you. This type of luxury, personalized service is to be expected from a credit card for more affluent spenders. The card’s premiere Ultimate Rewards program has some of the best unrestricted card terms for rewards, travel packages, and generous shopping offers of the high-limit end of credit cards.

For those who qualify, this kind of one-on-one customer service and rewards program is indulgence for the high-maintenance crowd who doesn’t like talking to robotic voices over the phone or dealing with blackout or expiration dates on travel bonuses. Get a Chase Sapphire for a ticket to the good life.

Auto Insurance – Esurance

While most auto insurance companies have standardized customer service, Esurance is a cut above the rest. Esurance’s E-Star Direct Repair Program goes beyond the call of duty. Customers can report claims online or over the phone with 24/7 customer service. When you get into an accident, the E-Star program recommends top-notch repair facilities in your area and then allows you to see your vehicle online as it’s being repaired so you can watch, track, and be alerted of any problems. Whatother service provider can put your mind at ease like that?

For all you environmentalists out there, Esurance’s claim service is 100% eco-friendly, cruising around town to come to your rescue in hybrid-car claims vehicles that is as good to Mother Nature as it is to you.

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