American Dream Auto Protect Extended Car Warranty Review

American Dream Auto Protect provides extended car warranties, offering a robust safeguard for vehicle owners against unexpected repair costs. This comprehensive guide explores their offerings, outlining the benefits, processes, and key aspects of their service.

What is American Dream Auto Protect?

Definition and Purpose

American Dream Auto Protect offers Vehicle Service Contracts (VSCs), commonly referred to as extended car warranties. These contracts are designed to cover repairs and replacements beyond the original manufacturer's warranty period, providing additional protection against mechanical breakdowns and failures.

The Coverage Scope

Their plans cover a wide range of vehicle models and types, ensuring a fit for almost any vehicle owner. From basic to comprehensive coverage, American Dream Auto Protect tailors its offerings to suit various needs and budgets.

The Benefits of Choosing American Dream Auto Protect

Comprehensive Coverage

American Dream Auto Protect's plans are designed to cover a vast array of vehicle components, from essential to advanced systems. This extensive coverage offers peace of mind to vehicle owners, knowing that most potential issues are covered.

Customer-Oriented Services

The company prides itself on customer satisfaction. They ensure that each plan fits within the customer’s budget and vehicle needs, striving to deliver the highest level of customer service.

Flexibility and Customization

With a range of plans available, American Dream Auto Protect allows customers to choose the coverage that best suits their individual needs, ensuring they don't pay for unnecessary services.

Expert Network

They connect customers with qualified ASE Certified mechanics, providing top-quality repair services across the country.

How It Works: The American Dream Auto Protect Process

Plan Selection

Customers can choose from various coverage plans, ranging from basic protection of essential components to comprehensive plans covering a broader spectrum of repairs and replacements.

Vehicle Inspection

Before coverage begins, American Dream Auto Protect conducts a thorough inspection to ensure the vehicle is in good condition and free from pre-existing issues.

Claims and Repairs

Filing a claim is designed to be a fast and easy process. American Dream Auto Protect works with a network of expert technicians to ensure high-quality repairs.

Flexible Payment Options

The company offers flexible payment options, including monthly, quarterly, and annual plans, to accommodate different budgets.

Coverage Commencement

After inspection and approval, coverage starts, providing customers with the assurance that their vehicle is protected.

Plan Renewal

Customers are reminded to renew their plans before expiration, with options to maintain their current plan or switch to a different one better suited to their evolving needs.

Why American Dream Auto Protect Stands Out

Tailored for Individual Needs

American Dream Auto Protect stands out for its commitment to providing plans that are specifically tailored to each vehicle's mileage, age, condition, and repair history.

Multi-Car Discounts

Although each contract is vehicle-specific, they offer multi-car discounts, adding value for customers with multiple vehicles.

Nationwide Coverage

Their extended warranties are valid at a wide range of repair facilities, from dealerships to local shops, offering flexibility and convenience to customers.

Transferability and Additional Benefits

Their plans often include additional benefits like free towing, rental cars, and a money-back guarantee. Many of their warranties are also transferable, adding value if the vehicle is sold.

Conclusion

American Dream Auto Protect delivers a comprehensive and customer-centric extended car warranty service. With their flexible plans, comprehensive coverage, and exceptional customer service, they provide a reliable safety net for vehicle owners, protecting them from the financial strains of unexpected repairs.

 

Citi's Simplicity No-Penalty, No-Fee Credit Card: HUH!

Citigroup has launched a credit card that combines the three most requested benefits, card holders have been requesting. They are not late fees, no penalty interest rate, and a single interest rate for purchases, balance transfers, and cash advances.

The new Simplicity card will be sold as a way for busy people with busy schedules who want a credit card with simple terms, said Jud Linville, CEO of Citi Cards. “It lets them not have to worry that they’re going to be late on a payment. It provides some flexibility,’’ he said.

It sound like a good deal at first, but this new card comes with an interest rate 16.99 percent interest. The national average interest rate is 14.40% according to Bankrate.com. If you carry a balance, the extra conveniences may not out way the higher interest rate. But if you're prone to have late payments, you won't be penalized a late fee, which could range from $35 to $45 dollars. At least with the higher interest you know every month what you will be paying. Also if you are already paying a high monthly interest already, another percent or two makes very little difference.

No Late Fees?

The no late fee feature is an uncommon occurrence in the world of credit cards. Cardhub.com states that only 5% of credit cards do not charge a late fee and only 8% of cards charge a single interest rate for purchases, balance transfers and cash advances.

The Simplicity card also doesn’t offer any rewards, which can be a deal breaker for some. Or it may turn out you won’t qualify for the card. Citi declined to specify what type of credit background is required. But CardHub.com, which lets consumers search and compare card offers, lists the Simplicity card for those with “excellent’’ scores of 720 or higher.

Citi has revamped this card to coincide with the new regulations coming out of the Consumer Financial Protection Bureau. Many credit cards will be moving to these types features. They will be losing quite a bit money in cutting these fees so with the interest rate increase they will be making it up in some way.

The upside to this card is the elimination of theses pesky fees. If you carry a balance you will have to deal with the higher interest rates. If you pay off your credit card bill every month you will never have to pay a fee, even if you are late on a payment. It's a good deal if you don't carry a balance.

The Best Student Credit Cards Reviewed & Tips For Using Them Right

A students first credit card is not something to be taken lightly by a student or their parents. Students need to realize that credit cards are a form of money and you should not spend money you don't have. 

There is a place for credit cards in peoples lives but being responsible with them is the most important thing. The number one rule when being responsibly with credit cards is only spending what you have the ability to pay back, every month. 

Rule number two is never carry a balance. If you don't know if you can do that, then stay away from credit cards, your headed for trouble.

Here are a few credit card tips:

• Simply, don't use a credit card if you don't have the cash to pay it off when the bill is due. If your at the gas station and spend $20, when the bill comes in and you only make the the minimum payment, that $20 for gas can turn into $60 in the long run. DUMB. If you must use a credit card pay it off the same month and bank the rewards. 
• Never carry a balance. Your a student with little or no income. You have to be very careful with money. That balance will grow and grow over time. That $100 balance will work its way up to $1,000's before you know it. 
• Remember you have a credit limit. If you go over your limit you will be charged a large fee. Also remember your ability to pay off your monthly bill is in direct relation to your monthly income. 
• Annual fees are a no-no. It's very import to not pay a annual fee. It's also not necessary. There are many credit cards that have no annual fee. Stay away from them. 
• Avoid extra fees. Making a late payment or going over your credit limit will earn you a nice penalty fee. These are unnecessary costs you have to pay. It may be a sign your not ready for the responsibilities of credit cards. 
• Get the best deal on credit card offers. Today there are many companies offering credit cards. Shop around and compare their rates and reward points.

Some Student Credit Cards Available

The best of the bunch is the Discover Student card. It has some good cash back rewards and has no annual fee. The rewards are up to 5% in categories that change like travel, department stores, gas, restaurants, groceries, and more. There is a o% APR for the first 9 months. Also a 1% unlimited cashback bonus on everything else.

Another good choice in credit cards is the Citi Forward Card for College Students it offers all the cashback enticements of the mtvU card (5% at restaurants, movies, books) and 1% on everything else. You earn ThankYou Points with every purchase. Also you can earn an extra 10 points per month for staying under your credit limit and paying on time.

PerkStreet Financial Review - 2% Cash Back Debit Card with Free Checking

It"s tough these days to get a debit card with decent cash back. Many credit cards have great cash back reward programs but try to find that in a debit card. I try to avoid using a credit card usually. I would like to find a debit card that will satisfy the reward need. I have discovered that PerkStreet Financial can do just that.

How Does it Work?

You apply online and setup an initial transfer of funds from your bank account or credit card. Within a 2 weeks you receive your checks and ATM card. You can withdraw money at ATM's and write checks. To deposit money you can use the U.S. mail with free postage paid envelopes or use free overnight delivery by UPS Stores. You can also deposit funds electronically thorough direct deposit or online transfers. Also you can even deposit cash at 18,000 Moneygram ExpressPayment locations free of charge.

Do They Have ATM's?

PerkStreet has a network of over 37,000 ATM's. They have an online ATM locator. I found within a five mile radius of my home are 28 ATM's. They are located in Walgreens, Winn Dixies, 7-elevens or gas stations. I know these location and they are safe and most are open 24-hours a day. Compared to my bank that has only 4 ATM's within 5 miles.

Who Is PerkStreet Financial For?

• People who like to pay for things with a debit card
• They want to get the most rewards from a debit card
• They prefer to bank online and the phone
• They don't have the need to go to a brick and mortar building
• They want the most free ATM's

What Are The Rewards?

1% cash back on all non-PIN* purchases if your checking balance is less than $5,000 at the start of the day.
2% cash back on all non-PIN* purchases if your checking balance is $5,000 or more at the start of the day.
5% cash back (called PowerPerks) on all non-PIN* purchases when you shop at select retailers announced on PerkStreet’s blog.
How can they afford to give such large rewards?

Because they spend no money maintaining physical branches they can pass the savings on to their customers. With no company owned ATM's they save even more money. Without spending money on buildings, large advertising campaigns and

Any Negatives?

If your account is inactive for 1 month there is a $4.50 charge per month.
The normal fees if you are over drawn or a returned item are the industry standard

Remember PerkStreet Financial accounts are FDIC insured up to $250,000 through Bancorp Bank, it's banking service provider.

How do I Contact PerkStreet Financial?

Email: support@myperkstreet.com
Telephone: 866.792.2834
Website: www.perkstreet.com
U.S. Mail: Customer Service Center
409 Silverside Road
Suite 105
Wilmington, DE 19809

Improve your financial life with the PerkStreet FinancialSM Debit MasterCard®. Save money, have fun and stay on budget with the only unlimited 2% cash back debit card. Don't miss out. Sign up today.