Effect Of Credit Rating Coalinga CA

Many people never bother to keep an eye on their credit rating; some never check theirs at all. It's easy to underestimate the value of a credit rating, but in truth; unless you belong in the high-income club and can afford to buy everything with cash, your credit rating dictates the quality of life you live, the following are some of the known ways.

Union Bank of California - Coalinga Branch
(888) 818-6060
190 West Durian Street
Coalinga, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $17.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Union Bank of California for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Newport Center Branch
(800) 432-1000
500 Newport Center Drive
Newport Beach, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Citibank - Anaheim Hills Branch
(800) 374-9700
5677 E La Palma Ave
Anaheim, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Chase - Scripps Poway Branch
(877) 682-4273
10541 Scripps Poway Parkway
San Diego, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Chase - Northwest Avenue & Save Mart Banking
(877) 682-4273
4120 Northwest Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Union Bank
(559) 935-1661
190 West Durian Street
Coalinga, CA
 
U.S. Bank - Oxnard Main
(800) 872-2657
2385 North Oxnard Blvd
Oxnard, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - South Coast Center Branch
(800) 432-1000
3730 South Bristol Street
Santa Ana, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Chase - Harbor Boulevard Branch
(877) 682-4273
12851 Harbor Boulevard
Garden Grove, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Micron Avenue Branch
(866) 245-3452
9500 Micron Avenue
Sacramento, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Data Provided by:

Effect Of Credit Rating

Many people never bother to keep an eye on their credit rating; some never check theirs at all.
It's easy to underestimate the value of a credit rating, but in truth; unless you belong in the high-income club and can afford to buy everything with cash, your credit rating dictates the quality of life you live, the following are some of the known ways:

Bargaining power, borrowing:
Have you ever done your shopping in a market place? Notice how several traders were vying for your attention, each trying to convince you that theirs is value for money, best quality etc? Well, in such an instance, you are in a position of power; they have the same product and you have the simple task of choosing between them. If you exercise your power, often you'd be able to either bring the price down or get more goods than originally quoted.

If you look closely, similar patterns are repeated in almost all aspect of life, when it comes to credit (i.e. loans, credit cards, etc), a credit rating is the preferred currency for just how valuable a customer you're.
If you took the time to count, you might find that there are hundreds of credit card providers out there and they all want more customers.

If you have a good credit rating, like buying goods in a market, you're in a position of power; credit card providers are willing to outbid each other in an effort to get your business. This is expressed via attractive niceties such as 0% balance transfer, 0% interest on purchases, air miles, reward points and many others.

If you have bad credit however, none of these niceties will be available to you, in fact, most lenders will simply stay away from you. Those that lend to you on bad credit cards will typically charge you double the interest a good credit customer pays.

Special deals and promotions:
Lately, shops and supermarkets are also getting in on the act; in an effort to sell you that new fridge or sofa, retailers are willing to give it to you on an ‘Interest free period' often with nothing to pay upfront. But wait, you can only get this deal if you have a good credit rating; those with bad credit will have to pay the full price upfront.

When it comes to buying cars, although some lenders will accept people with bad credit, it's on higher interest loans, in the end the person with bad credit pays more for the same car.

Employment:
This one is a bit bizarre but some employers find it necessary to check a potential employees credit rating before deciding whether to give them the job or not. Perhaps it's to determine whether you'll steal company funds or perhaps it's to determine whether you'll demand a pay rise due to your financial iniquities! Whatever the reason, it does not seem like a necessary requirement.

As you can see life costs a little more if you happen to have a bad credit rating whereas if you have a good one, you might even benefit from all the gimmicks lenders use to lure new customers.
With that in mind, work on your credit rating, if you already have a good one, use it to your advantage!

James Belle has been writing about loans and credit cards for over 2 years. He has written tips on credit cards for poor credit borrowers and bad credit loans amongst many others.

Submitted By ArticleUnited.com



Provided by ZingArticles.com