Cardholder Reviews

Recent Credit Card Reviews by Consumers Like You!

Following is a very small sample of the newest cardholder reviews that can be found by clicking the "Consumer Reviews" link above. We take pride in the quantity (our site offers 14,000 + reviews of 841 different credit cards) and quality of the consumer reviews that can be find on our site. The cards are rated on a scale from 1 to 5, with 5 being the highest recommended. Credit Card: Target Guest Card Provided by: Retailers National Bank Total Posts: 32 Average Rating: 3.53 Category: Retail Review: RNB has two locations: Mpls (MN) and Sioux Falls (SD). I've worked data entry at SF and seen the machines that MAKE your cards. As a matter of fact, my job was to: 1) Put new applications for RNB cards into the system for approval/rejection, 2) Approve/reject instant applications (Target) based on the customer's credit, and 3) Make sure bills were being paid -- send notices if accounts were overdue. I applied for a Target card that year with NO CREDIT...and they approved me for a $200 limit at 10% interest! Best Feature: good way to start a credit rating Worst Feature: none Overall Rating: 3.5 Benefit Rating: 4 Service Rating: 4 Recommend: Yes Review: At first, I enjoyed my Target Visa. Until I went overseas on vacation and it was stolen. I cancelled my card within 2 days. When I returned home 2 months later, I noticed on my statement that someone had used my card in the place it was stolen. It wasn't me! The customer service people were very rude, and gave me the run around for almost an hour! After speaking with a supervisor, they finally helped me with fraudulent charge. Since then, I have switched to a BofA credit card with a low interest rate (something that I didn't have with my Target Visa). I have nothing against Target but I think they should switch their bank. Best Feature: Credit Worst Feature: Bad customer service at the bank Overall Rating: 3 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: First PREMIER Bank Visa®/MasterCard® Provided by: First PREMIER Bank Total Posts: 167 Average Rating: 2.50 Category: Poor Credit Review: I don't like the fact they charge $7.00 everytime you want to make a payment on line..also, they won't give credit increases even though you were never late making payments if you are too close to your credit limit..I don't think thats fair if you are showing good faith making your payments on time and not exceed the limit..Why give you a limit if you can't use it? Best Feature: 9.9%interest for purchases Worst Feature: Only can get cash advances up to 30%of your balance Overall Rating: 3 Benefit Rating: 3.5 Service Rating: 3 Recommend: No Review: If you have had credit problems, and are really looking to rebuild your rating, this is a good card. People who complain about the harrassment over late payments and such are victims of their own irresponsibility. When you accept this card, you accept the high fees. If you pay your payments on time, this card works great, because they report every month. It is great for creating another positive tradeline on your credit. However if you are not serious about rebuiliding and don't pay the 20 dollar min. payment, that is your own fault. This card can work great for those who pay on time. Best Feature: Feature: Gives you credit when no one else will Worst Feature: High fees Overall Rating: 4 Benefit Rating: 2.5 Service Rating: 4.5 Recommend: Yes Credit Card: U.S. Bank Visa® Buxx Card Provided by: U.S. Bank Total Posts: 7 Average Rating: 3.29 Category: Pre-Paid Review: I absolutely regret ordering this card. I ordered the card as a Xmas present for our daughter prior to the holidays and paid the additional fee for RUSH Delivery. It's been 3 weeks and we have not yet received it, even though our credit card has been charged. I spoke to Risk Management and they will not credit us the Additional Rush Fee. I have been trying to reach them since and no one has return any of my messages. I have now turned this over to my credit card customer service to dispute the charges since we yet to receive it. At this point I don't know if they are just a scam... Best Feature: None to date Worst Feature: Customer Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Review: This card is perfect for the teenager. You can add their allowance every week or monthly to the card. On special occasions such as holidays or birthdays you can add cash to their card in lieu of a present. You can also give grandparents or close relatives the Visa Buxx info and they can add to the card. This card also teaches teens about setting budgets and helps them learn how you can only buy what you can afford. If you have a teen and would like them to have the freedom to shop at malls or online without having to carry mega cash on them, then U.S. Bank Visa Buxx Card is for you and your teen! Best Feature: That my teen is able to shop by himself. Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Household Bank® MasterCard® Provided by: Household Bank Total Posts: 126 Average Rating: 2.57 Category: Regular Review: I am not happy with the way they treat people. They call at all hours of the day and night. They are rude and demeaning. I have asked repeatedly that they stop calling after 6 pm at night. Their response is that they can't control when the calls are placed. I am unhappy with the fact if the payment is sent in early it isn't posted till ater the closing date. Therefore I am charged a late fee. I have brought this up and sent in dates of when I sent payments. Once this is payed off I will never do business with th again. I would not recommend this card to anyone unless they like being harassed by rude people. Best Feature: none that I can think of Worst Feature: everything about it. they call continously day and night and sundays upto 8 pm. Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Review: Im glad I was accepted for this card. I learned how to maintain a clean credit history and this is the bank to use. It sure beats using sleazy subprime banks like First Premier Bank and what I like most is that they dont take fees out your card. I recommend this card to people who want to rebuild their credit with a REPUTABLE company. Best Feature: It accepts people with shaky credit history Worst Feature: None that I can think of Overall Rating: 4 Benefit Rating: 3 Service Rating: 2.5 Recommend: Yes The Cardholder Review section is a unique feature of our site and, to the best of our knowledge, there is no other organization or company that offers more consumer reviews of credit cards. It's all about consumers helping other consumers. As your might expect, this section of our site has been one of the most popular sections of our site since it was introduced in the summer of 2000. New reviews are posted on a daily basis! We hope that you will find this section of our site useful and that you will visit it on a regular basis.

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