Credit Card: Capital One Platinum
Issuer: Capital One
Status: Platinum
Review: I've noticed most of the positive ratings are from those who've never had to dispute any items. I have to agree with those who've rated this card bad because of Capital One's dispute resolution policies. None of my other cards request all the information you have before even placing any amount into dispute, and then say you haven't sent information that they never requested. That happened to me with this card. The involved account is closed now, but I'd have never gotten it in the first place if I'd known how they handled disputes.
Best: Online Payments. No Foreign Currency Conversion Fees
Worst: Merchant dispute resolution is nonexistant
Card Rating: 2
Customer Rating: 1
Benefit Rating: 1
Recommend: No

Credit Card: Citi AAdvantage Card
Issuer: Citibank
Status: Standard
Review: I have had this card for several years and charge everything to accumulate American Airlines points. Once, I even charged a used car for my daughter even though I had the money to pay for it! The people are friendly and helpful when you call. I recently had my card stolen at a movie theatre and they replaced it immediately. The $50 annual fee is made up by the frequent flier miles you can accumulate. You can negotiate the interest rate after awhile. They cover car rental insurance and give you ways each month to accumulate mileage.
Best: Can accumulate American Airlines miles
Worst: None
Card Rating: 5
Customer Rating: 5
Benefit Rating: 5
Recommend: Yes

Credit Card: Direct Merchants Bank MasterCard
Issuer: Direct Merchants Bank
Status: Platinum
Review: I pay on time, I pay more then the minimum payment due and for some odd reasons the amount is always a few dollars short resulting in constant interest increase (28%) Every time I call them, they say we cannot reduce more then 2% and the next statement shows no changes..I WOULD NEVER RECOMMEND THEIR CARD TO ANYONE
Best: None
Worst: Unjustifiable interest increase
Card Rating: 1
Customer Rating: 1
Benefit Rating: 1
Recommend: No

Credit Card: GetSmart Visa Classic
Issuer: Providian
Status: Standard
Review: Relatively high APR. Great Customer Service. On-line card management.
Best: Customer Service
Worst: High APR
Card Rating: 3.5
Customer Rating: 4.5
Benefit Rating: 3.5
Recommend: Yes

Credit Card: Chase Wal-Mart MasterCard
Issuer: Chase
Status: Standard
Review: I have really enjoyed the lower rates, for my Wal-Mart purchases, that I have made in the past.My family and myself do most of our shopping at Wal-Mart, so this has been an added bonus for us.
Best: Lower interest rate for Wal-Mart purchases.
Worst: None
Card Rating: 4.5
Customer Rating: 4.5
Benefit Rating: 4.5
Recommend: Yes

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