Cardholder Reviews

Recent Credit Card Reviews by Consumers Like You!

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 15,000 reviews of 859 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: Canadian Options MasterCard® Provided by: Canadian Tire Total Posts: 18 Average Rating: 3.33 Category: Foreign Review: I think that offering your customers a way to save money and earn on most of their purchases, either online or in store is awesome. I think that the company should invest more time in developing a working website for best customer service and convenience. Best Feature: I earn canadian tire money Worst Feature: no website service yet Overall Rating: 4.5 Benefit Rating: 5 Service Rating: 4.5 Recommend: Yes Credit Card: Plains Commerce Bank Total Visa® Card Provided by: Plains Commerce Bank Total Posts: 60 Average Rating: 3.34 Category: Poor Credit Review: first off...did anyone know this is really a secured card in disguise? the initial $250 in fees for whatever is junk. $250 goes into an account to secure your card incase of non payment, $6 month is ok i mean they do the work, annual fee ok, but seriously, $194 setup fee, $56 dollar yearly fee.. its all just a disguise for a secured card with higher fees than any other secured card, at least with a true secured card, your credit limit equals your deposit.. you arent limited to $250 of credit** for 3 months.. basically you pay $6 a month to use your money that is already there, only benefit, they report good payment to credit bureau's.. then again a secured card does that too.. so the choice is yours.. spend 250 + $6 a month +56 a year, or spend maybe 40 a year plus a deposit.. its up to you, but other than that im happy with mine. Best Feature: easy to get Worst Feature: not listed in any directories anywhere Overall Rating: 2 Benefit Rating: 1 Service Rating: 3 Recommend: Yes Shell Credit Card Provided by: Citibank Total Posts: 15 Average Rating: 2.43 Category: Reward - Gas Review: I've had a Shell card since 1981...23 years! In all that time, I've been in good standing with my Shell card. In the past couple of years, I've gone to electronic banking. Last year, I paid my Shell card a few days late. My fault, I just forgot to do the electonic payment. So I have this spotless credit record, when I try to refinance my mortage, except for Shell's entry. I could not qualify for the best rate thanks to Shell reporting me as delinquent. The card was paid...never got 30 days late..I'm talking 4-5 days. For that, I'll never forgive Shell..and there are plenty of other cards out there. Best Feature: can't think of any Worst Feature: harrassing calls if less than 5 days late Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Chase Classic Visa®/MasterCard® Provided by: Chase Total Posts: 97 Average Rating: 2.65 Category: Regular Review: I applied for a bank loan, and my credit report indicated I'd been 3 months behind (0r 90 days delinquent) with Chase. After I presented cancelled checks, for an 8 month period, the bank officer helped me dispute this. Chase did submit changes, but only after being threatened with legal action. This has been 10 years ago. Two weeks ago, Chase called my wife, harassing her for late payment. My wife has NEVER..EVER had a CHASE card in any form, nor a card in her name..or was listed as an additional cardholder. We later found out, Chase had us confused with another cardholder. Same name, but different address, city, ss number. In short, CHASE doesn't seem to have a clue what they are doing...10 years ago..or today. Best Feature: none Worst Feature: posted that I was 3 months deliquent on credit report Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: American Express® Card Provided by: American Express Total Posts: 160 Average Rating: 3.78 Category: Charge Review: I use my AMEX for internet purchases, and have for years. I can get the balance up some months, but I normally pay it down (online) during the billing period. I did so this past time, had less than $300 on my card (down from a $1000). I charged a purchase from Amazon on my AMEX, and AMEX declined it. No reason given. I called and got this ridicolous story about they were concerned about excessive usuage. Excessive? Are you kidding me! First off, I was within my usual spending limits, buying from the usual merchants, and I had kept the card paid down. They said it was for my protection against fraud. Like someone would still my card, and then pay down the balance. Or even though I look at my balance online every day...AMEX thinks I'm too stupid to see unauthorized charges. AMEX could have at least called me, if they had any questions. Well, since I've already paid for my membership, I'll keep it a few more months..but then it's gone. Best Feature: won't run up a debt on it Worst Feature: AMEX will decline a charge for no reason Overall Rating: 2 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Capital One Classic Provided by: Capital One Total Posts: 425 Average Rating: 2.82 Category: Regular Review: I had this credit card since May of 2002 Basically 2 years.Since I had it not much has changed with it.First it was a BMG Visa card but then they did away with that card and they changed my account number and gave me a high Apr Capitalone Classic Visa Card which is the green marble colored card. My APR on this card is a little on the high side 19.05% fixed.This is what I don't understand.I have one of those high school cards also with them with a limit of $200.00 and they lowered my APR and waived the annual fee on it but on this other classic visa they say they can't. When this card was a BMG Visa I got credit limit increases every six months but now since the change they won't even give me a raise. They seemed to have "Turned off" the request feature for this account on the automated phone system which angers me as I have always paid on time and NEVER once exceeded my $900 limit and never got close to it so I don't understand it at all.My credit is not top notch but it isn't bad either good enough where I receive a few gold and platinum card offers a week and autoloans and mortgage loan offers?So I don't get it,they have seriously changed over the past year severely.They have hired all the customer servive reps who can't hardly speak english which they are very nice but I find it very hard to understand them. I only had 1 very rude woman who I had her extension number and I got her turned in and she got fired according to a supervisor of her. I plan on keeping this card along with my highschool visa card from them hoping for a upgrade sometime or another. I can't recommend this card since they no longer offer it to apply online anymore. I think they just decided to change their market area from sub-prime to prime and stick us people who have been loyal customers and not reward us at all anymore for on time payments. Best Feature: Was easy to obtain Worst Feature: High Apr ,Low credit line ,and won't upgrade your account Overall Rating: 3 Benefit Rating: 2 Service Rating: 3 Recommend: Yes Credit Card: Fleet Titanium Visa® Card Provided by: Fleet Bank Total Posts: 3 Average Rating: 2.17 Category: Regular Review: I have been a fleet credit & checking/savings customer for over 12 years. I have had my titanium account 4 years. Today I have received a notice from Fleet that soon my account would be transfered to Bank of America due to a recent merger, that they would like to appologize. I currently have a Bank of America card with a 6.9 fixed APR which I have carried since 1997, and a 7.9% fixed on my fleet account since about 3 years ago. Due to the lower rate on my BofA account I decided to close the fleet card. Its a nice card, great customer service, and APR but I never carry balances nor have a reason for two accounts at the same bank. No offense Fleet. Best Feature: APR & Personal Customer Service Worst Feature: Benefit Package Overall Rating: 4 Benefit Rating: 3 Service Rating: 4 Recommend: Yes Credit Card: USA Platinum Card Provided by: USA Credit Total Posts: 20 Average Rating: 1.63 Category: Regular Review: After my divorce I need to establish credit. I have a great job but have never had to pay much attention to the details of my credit because my ex-husband had great credit and when we married I was listed as an additional card holder. This provided some credit history but did not directly apply to me as the primary responsible party for the credit card debt. This card offers a high limit but forces you to be able to pay for a certain percentage of the cost. I can see why this would disappoint people but the purpose is to rebuild or build credit not provide another opportunity to get in debt. By preventing people from spending excessively you gain a high available credit and low balance report on your credit history. People need to understand that builds your score by indicating financial restraint. Many important details are inthe fine print and if you do not read carefully will be a surprise. But if credit is what you need this is an option. As for the introductory price, I was sent a coupon to reimburse the cost when I had that amount charged to the card so I got my money back. Best Feature: The higher limit and requirment to pay a percentage down deters overspending. Worst Feature: Many details are hidden in the fine print Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 3 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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