Reviews by cocobird

cocobird says "Better than ebay if you are looking for handcrafted art items" about Etsy.com

cocobird — Wed, 28 Nov 2007 14:02:41 GMT

Etsy is a feast for the eyes and fuels the creative spirit!

I, as an artist and art shopper alike, was thrilled when a friend told me about Etsy. I like Ebay, but I believe that on Ebay, handmade, quality artwork gets lost-in-the-sauce with all of the other stuff on there. I also think it gets a bit devalued because Ebay is a place for bargains. Etsy is a place for art. Sellers on Etsy can charge reasonable prices for their vision and work and are helped by the fact that others are selling and pricing items in the same genre....everyone is charging fair (not to high, not low) prices for their artwork so you are able to do the same. Conversely, the prices are still quite fair for buyers because Etsy is offering a venue for artists that doesn't carry the overhead of a physical shop or the percentages charged by galleries or art consignment shops (often as much as 50%). Etsy only charges 3.5% + 20 cents per item, so most of the money goes directly to the artist.

I recommend that...

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cocobird says "Fantastic Company, best customer service I've ever experienced" about USAA FSB - Total Rewards Mastercard

cocobird — Tue, 27 Nov 2007 14:27:59 GMT

I have had the USAA card for years and for years before that the USAA company carried my Auto insurance. I'm not sure how separate the USAA savings bank is from the insurance aspect of their company but it all works seamlessly. I now have a loan, auto insurance, renters insurance, and my credit card through USAA. I am planning on switching to their free Banking (checking account) in the near future. This company is customer friendly. If you have an issue, they are open to discuss it and really will help. I had some fees due to something that I had misunderstood, and had not noticed (due to me not looking closely at my bills for a few months....my fault) and they reversed 3 months of fees just to show good faith that I had just misunderstood something. Wow. They have periodically lowered my interest without me even needing to request it. Their online service is top notch, user friendly with no hidden fees. They even have a bit of a (unofficial) grace period...if you are......

cocobird says "Worst creditcard company I've ever dealt with, no customer care." about Washington Mutual - Visa Card

cocobird — Tue, 27 Nov 2007 14:06:45 GMT

I have 2 credit cards. One is reasonable, lowered my interest rate over years of good customer record, sends alert if I accidentally go over the limit and allows me to bring it back down without penalty, and counts on-line payments immediately without fee. The Washington Mutual card is the opposite. They have never lowered my interest rate, (making it difficult to pay down the card and just get rid of it). I went over the limit once by $3 which was a result of their interest being added to my bill. They sent me an email alert to let me know I was over the limit, but charged me $39 anyway. What is the point to alerting me if there is no chance to rectify the situation without penalty? I requested that the fee be reversed...no. I have requested a lower interest rate....no. The interest rate is 12 points higher than my other card. If you want to make an on-line payment and have it count the same day that you are making it, there is a fee of $14.95. When I have spoken......