Following is a sampling of the latest consumer reviews that can be found by clicking the "Cardholder Reviews" link above. We take pride in the quantity (our site offers approximately 17,250 reviews of 928 different credit cards) and quality of the consumer reviews that can be find on our site. New reviews are added on a daily basis. The cards are rated on a scale from 1 to 5, with 5 being the highest recommended.

Credit Card: Banana Republic Card
Provided by: Monogram Credit Card Bank of Georgia
Total Posts: 14
Average Rating: 1.43
Category: Retail
Date posted: 2/15/2006

Review: I am so disgusted by the customer service of this company. I recieved a call from a lady who starts yelling at me for not paying my statement for the last 3 months. I told her I had sent in the check fot the entire bill of $110.03 in Dec when the first bill arrived. When my second bill came stating that they haven't recieved it, I immediately called BR card. The customer service lady told me not to worry because it may take up to 30 days for it to be processed. Of course, they have no record of this. After going round and round, and accused of lying. She had insisted that I had receved a 3rd bill, and I should not have waited. I told her I never recived this said bill, then she changed her story and said, "oh we just mailed it on the 9th, you should get it anyday now". How was I to know a 3rd bill was coming? I haven't used that card since the Dec. purchase. I was going no where with this person. I decided to call the BR customer service number and speak to a supervisor. I finally convinced them that I am not trying to skip out on my bill, but honestly haven't heard back. She was willing to waive only 1 of the $25 late fee. I told her no, I wanted both to be taken off as well as the interest. she said she would compromise and take off the 2 late fee if I would pay the interest. Still unfair since it was their fault, but just to finish this unpleasant experience, I agreed. I also cancelled my card. It's a shame that they would lose a customer over $110.03.

Best Feature: none
Worst Feature: customer service

Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No

Credit Card: Aspire Gold Visa® Card
Provided by: Columbus Bank and Trust
Total Posts: 186
Average Rating: 1.49
Category: Poor Credit
Date posted: 2/14/2006

Review: I have had my card with aspire for almost a year. Never late or over limit. Granted I am @ my limit, but always make a little more then minimum payment required and there has been no mention of limit increase. Why?

Best Feature: pretty good interest rate
Worst Feature: none

Overall Rating: 4.5
Benefit Rating: 3.5
Service Rating: 5
Recommend: Yes

Blue Cash® for Business Credit Card
Provided by: American Express
Total Posts: 3
Average Rating: 3.33
Category: Business
Date posted: 2/14/2006

Review: The initial letter that I received from AmEx offered a $100. gift card after three charges were placed on the card. That was back in July 2005. I complied with the charges in the alloted time period which was by 09/30/05. Actually, the third charge was on 08/22/05, over a month earlier than required. After I was told that the card would automatically be sent to me after 6 to 10 weeks, I waited. I called again in Nov 2005 and was told that IT was under investigation and I should hear something SHORTLY. I called again in Dec 2005 at which time I was told that the case would be reopened! I called again in Jan 2006 and I went through the whole story again. I was told that I would hear back within 7 days. I called them again after waiting 13 days with no response. They informed me that my case will be turned over to the marketing dept and I will definately hear from them within 10 days. It has been almost a month! I can not believe that I can't get a straight answer out of these people! How many other people have been made offers with enticements of different sorts that have NOT materialized? I have the original letter that they sent to me with the $100 offer. I faxed them a copy of the letter in Nov 2005 at their request and at my expense. I have a case #DI72941. What more can I do?

Best Feature: A $100.00 gift card was offered as a "come on" enticement.
Worst Feature: The $100.00 gift card was never given as promised even after months of calls and letters!!

Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No

Credit Card: Citi® Dividend Platinum Select® Card
Provided by: Citibank
Total Posts: 72
Average Rating: 4.25
Category: Reward - Cash
Date posted: 2/12/2006

Review: recommend this card for those who purchase often in gas stations/grocery stores/pharmacies with you receive 5% cash back (other purchases 1%). Also $5 per each $1500 BT's and 1% in cash advances(@ regular APR). The only draw is the $300 per year cap , except for purchase made by Dividend Merchant Network.

Best Feature: the cash back
Worst Feature: the $300 /year cap

Overall Rating: 5
Benefit Rating: 5
Service Rating: 4
Recommend: Yes

Credit Card: WorldPoints® Platinum Plus® MasterCard®
Provided by: FDS Bank
Total Posts: 4
Average Rating: 3.75
Category: Reward - Other
Date posted: 2/9/2006

Review: New meaning to the "GIFT" that keeps on giving. Like giving you a bill for over 300 because they don't tell you outright this card can be used over the GIFT amount in "some" gas station auto pay pumps. So when you give it to someone, you keep on giving until they finally catch up with the pre pay pumps. Most all of the people at World Points didn't and don't even know this. So Beware! Account Closed after excellent history and over 15 years.

Best Feature: Was a good card until you cash in your rewards points.
Worst Feature: Watch out for World Points VISA "GIFT" cards...READ CLOSE! VERY DECEPTIVE

Overall Rating: 3.5
Benefit Rating: 2.5
Service Rating: 5
Recommend: Yes

Credit Card: Shell MasterCard®
Provided by: Citibank
Total Posts: 2
Average Rating: 2.75
Category: Reward - Gas
Date posted: 2/8/2006

Review: Unlimited rebates toward future gas purchases are a real plus, especially with the current high prices. Another great plus is the on-line account management. I can schedule up to four payments during the month and the payment is posted on the day I select (including the same day if requested in the morning). I can also get a snapshot of the current balance between statements.

Best Feature: Unlimited 5% gas rebate
Worst Feature: None

Overall Rating: 4.5
Benefit Rating: 5
Service Rating: 4
Recommend: Yes

Credit Card: Capital One® Go Miles Platinum Visa® Card
Provided by: Capital One
Total Posts: 14
Average Rating: 2.54
Category: Reward - Airline
Date posted: 1/30/2006

Review: In 2003 I was able to redeem 60,000 miles for $600 cashback which I used to purchase my own cheap $300 per person tickes from Oakland to Ft. Lauderdale. Well, I thought I would do that once again as I have approx. 70,000 more points accrued. Yes, I did receive a notice stating that my Milesone would be changing to Go Miles and that I would NOW be earning 1.25 POINTS PER dollar spent as opposed to 1 to 1. I knew that meant a reduction in the award, but did not think it would be reduced by one-half. And now instead of 18,000 points per ticket to be redeemed it's now 35,000 per ticket. But my understanding is that's how it is with all the other airline programs anyway. And a ticket to Hawaii is 60,000 as opposed to 40,000. Boo-hoo. Anyway, I remember when you didn't get a thing for having a credit card, so to me something is better than nothing. And I have a very substantial credit limit that they just gave to me automatically and I do have very good credit. In fact, I have contemplated calling them and asking them to reduce the limit. BTW, when I did call to redeem my miles for cash, the person on the phone was very accommodating and my checks arrived exactly when he said they would, about 3 to 5 weeks time.

Best Feature: No blackout periods for travel AND redeem for most any airline
Worst Feature: They changed their terms of agreement 11/01/05 and cashback is 1/2 the value that it was

Overall Rating: 3.5
Benefit Rating: 3.5
Service Rating: 4.5
Recommend: Yes

Credit Card: Dillards Charge
Provided by: Dillards National Bank
Total Posts: 5
Average Rating: 4.40
Category: Retail
Date posted: 1/28/2006

Review: Customer Service is Horrible! In July 05 I opened a Dillards accound. Started with a $2000 limit and after 4 months it was increased to $10,000. I took advantage of the club option for some large purchases, so I was issued an Elite card. When my card arrived there was someone elses card in the envelope as well. I called customer service to report this and was told to shred the card. Two days later the account was closed for fraud. I called in and the rep mis-understood what I said about the other persons card. The fraud department straightened it out and I was issued a new account #. This was the beginning of Jan 06. My statement date is the 10th of each month and the bill is due by the 5th of the following month. I get my statement this month with a $35 late fee. My Dec statment showed a $3780 balance, which $3000 was on the club option. So my minimum payment was $272, $250 for the club option and $22 for the reg revolving. On December 27th I made a $750 payment in store which it showed on my statement. So again I call customer service, was told it was an error and would be corrected. It is Jan 28th and the late fee is still on my account. I love shopping at Dillards, but the customer service at GEMB is HORRIBLE. As an Elite member I'm supposed to get priority customer service, but I'd like to know where it's at. I also lost about 2000 reward points that I still havn't received certificates for.

Best Feature: Club Option/Rewards
Worst Feature: Customer Service

Overall Rating: 5
Benefit Rating: 2.5
Service Rating: 1
Recommend: No

Credit Card: Citi® Platinum Select® Card for College Students
Provided by: Citibank
Total Posts: 14
Average Rating: 3.79
Category: Student
Date posted: 1/28/2006

Review: My spouse and I have been with Citi for over two years. This month I made the payment online through Citi's website but I missed the cutoff by an hour. This was the only time we have ever been "late" making the payment cutoff. Because I missed the 1pm cutoff, we were accessed a $39 late fee even though the payment was made the same day. I called Customer Service and was told the fee would not be reversed as we missed the deadline. My spouse and I have decided to balance transfer to Wells Fargo which offered a higher credit line, lower APR and more reasonable late fee costs if I miss the deadline again.

Best Feature: Customer Service
Worst Feature: No Grace Period

Overall Rating: 4
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes

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