When my balance dropped below a certain level I was sent a "new rewards card" that included a 6% raise in APR. I had a stellar payment history that apparantly "earned me this new status." I paid off my balance and noticed a late fee on my next bill. My due date was moved up without my noticing. When I called to cancel my card the rep was extremely rude.
Best Feature: none
Worst Feature: all the tricks, raising aprs, changing due dates
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: JC Penney Card
Provided by: Monogram Credit Card Bank of Georgia
Total Posts: 55
Average Rating: 1.77
Category: Retail
Date posted: 3/17/2006
Review:
This is for the person who was unable to pay online - make sure you are typing www.jcpenneymastercard.com in your browser. There is another site not affiliated with JCPenney MasterCard and it's web address is a misspelling. That web address is www.jcpennymastercard.com. Notice that the second address is missing the second e in Penney. You can also go to www.jcpenney.com, scroll to the bottom of the page and click on credit card.
Best Feature: can't get this card unless you are chosen to receive it
Worst Feature: rewards certificates expire too soon
Overall Rating: 3
Benefit Rating: 1.5
Service Rating: 3
Recommend: Yes
Washington Mutual Bank Card
Provided by: Washington Mutual
Total Posts: 24
Average Rating: 3.71
Category: Regular
Date posted: 3/16/2006
Review:
I was a Barnett customer in florida for 20 years until washington mutual bought them out in the early 1990's. I currently have a checking account with wamu ever since, some 13 years. I also have a providian card at 8.9%. I just received my notice from wamu owned providian that on April 1st, 2006, my new rate is 23.74% plus prime default. Folks, that is a whopping 30% plus interest rate on this card. I'll be opting out of that deal and as a special favor to Washington Mutual for that great offer, I'll be looking for a new bank too.
Best Feature: none
Worst Feature: rate arrogence
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Capital One® Platinum MasterCard®
Provided by: Capital One
Total Posts: 318
Average Rating: 3.57
Category: Regular
Date posted: 3/15/2006
Review:
I have had my fair share of problems with credit cards. Capitol one is the best card I've had. They report only good things to the credit bureau, even if I had some small slip ups. There online payment service is excellent, its posts the same day (unlike others which can take weeks to post). They have never unexpetantly put up my APR either, it has stayed the same since i got the card 5 years ago. I definatly recommend capitol one.
Best Feature: Online Payments
Worst Feature: None
Overall Rating: 5
Benefit Rating: 3
Service Rating: 4.5
Recommend: Yes
Credit Card: MBNA Platinum Plus Elite Rewards Card
Provided by: MBNA
Total Posts: 30
Average Rating: 3.67
Category: Reward - Airline
Date posted: 3/14/2006
Review:
Would not recommend this reward program because:
1) Most of the hotel/motels I've needed that are listed will not accept the program.
2) Cannot go just anywhere in the US on airlines without increase in points (zones).
3) Dining listed in brochure - tried several who will not accept.
4) So far have been unable to get rewards accepted.
5) Therefore, am discontinuing.
Best Feature: no fee
Worst Feature: unavailability
Overall Rating: 1
Benefit Rating: 1
Service Rating: 4.5
Recommend: No
Credit Card: Blue for Students® Card
Provided by: American Express
Total Posts: 42
Average Rating: 4.26
Category: Regular
Date posted: 3/10/2006
Review:
My inital credit line was $500, after 4 months they increased it to $1000 then $2000- $5000- $7000 which I am currently at. The card is pretty good, no complaints. I don't really carry a balance so the interest rate isn't a big issue with me. American Express is accepted in most European countries, however there is 2% International Transaction Fee. I also have Discover card which is only go accepted in america (canada?), and is useless for travel - international students.
Best Feature: Mebership Rewards, Excelent Credit Line
Worst Feature: 2% International Transaction Fee, Low Travel Insurance
Overall Rating: 4.5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: Chase Ultimate Cash Award MasterCard®
Provided by: Chase
Total Posts: 5
Average Rating: 3.40
Category: Reward - Cash
Date posted: 3/10/2006
Review:
We use this card for almost all business and living expenses, so the tiers are not an issue. We ramp up in the first month. I was surprised to discover that we get the 3% rebate on all Super Wal-Mart purchases as well as many resturants. Due to the merger with Bank One and a system bug that they refuse to acknowledge, we get an additional $100 every month regardless of rebates earned. One month our payment did not post as expected. They refunded the finance charges, but we still got the additional rewards for carrying a balance. Needless to say, we've made a killing with this card. Rebate checks CAN be requested online, but you'll probably have to ask several times. The customer service is extremely poor. Their website and other systems are offline frequently. You've got to be willing to fight to make this card work.
Best Feature: Cash Back
Worst Feature: Customer Service
Overall Rating: 5
Benefit Rating: 5
Service Rating: 1
Recommend: Yes
Credit Card: American Express® AIR MILES® Credit Card
Provided by: AMEX Bank of Canada
Total Posts: 14
Average Rating: 4.18
Category: Foreign
Date posted: 3/7/2006
Review:
There are very few airmile seats available. Unlike other reward mile cards, you are unable to change or cancel flights without forfeiting your rewards.
Best Feature: no annual fee
Worst Feature: service fee for booking airline rewards is too high
Overall Rating: 3
Benefit Rating: 3
Service Rating: 4.5
Recommend: No
Credit Card: PayPal Visa® Platinum Card
Provided by: Providian
Total Posts: 7
Average Rating: 1.50
Category: Regular
Date posted: 3/6/2006
Review: I liked how they gave a 0% APR for the first 6 months and no interest on balance transfers (paypal platinum card). They also give me my credit score every month and give me a breakdown of how I spend my money. Emails to customer service are all answered within 24 hours and sometimes in an hour. I don't know why people are having all these problems. Maybe because I pay my whole balance and only use email, not phone, to reach customer service. If you're like me, the card is excellent.
Best Feature: Intro 0% APR and free credit reports
Worst Feature: None
Overall Rating: 3.5
Benefit Rating: 3
Service Rating: 4
Recommend: Yes
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