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 16,000 reviews of 833 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: ExxonMobil Gas Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 24 Average Rating: 2.02 Category: Gas Card Date posted: 4/5/2005 Review: I came on this web site to contact another credit card company about a problem and when I read the reviews for Exxon/Mobil felt that I had to put in my review. Personally this is the only gas card I use. The people in customer service are beyond helpful and friendly. When my daughters car was stolen it was Exxon/Mobil Credit Card Service who called me to tell me about unusual activity on my card which led to recovery of our car. When I made a trip with mutiple vechicles and a gas station told me I could not get anymore gas on the card because I'd gone over my daily limit, ONE call to customer service fixed the problem. I just thought they deserve someone to say something nice on their behalf. Thank for listening to me. Best Feature: Always friendly customer service Worst Feature: There are no bad features Overall Rating: 5 Benefit Rating: 4.5 Service Rating: 5 Recommend: Yes Credit Card: JC Penney Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 49 Average Rating: 1.77 Category: Retail Date posted: 4/5/2005 Review: I would like to know Why ?? I haven't gotten my card I applied for it back in 01-13-05 they did let me charge 2 things that i have to pay for but No Card Yet!! Best Feature: n/a Worst Feature: didn't get it Overall Rating: 1 Benefit Rating: 1 Service Rating: 1.5 Recommend: No Credit Card: First Financial Bank Student Card Provided by: First Financial Bank Total Posts: 20 Average Rating: 3.23 Category: Student Date posted: 4/4/2005 Review: They continually raised my credit limit without my consent! Then they charge for online payments (which is just stupid) and they never inform me of APR rates, credit increases or anything. Only get this if you are going to use the $250 without interest. Trust me there are much better starter cards out there. Best Feature: No interest on purchases up to $250 Worst Feature: Terrible Customer Service and Customer Interaction Overall Rating: 1 Benefit Rating: 1.5 Service Rating: 1 Recommend: No Credit Card: Delta SkyMiles® Platinum Credit Card Provided by: American Express Total Posts: 24 Average Rating: 4.15 Category: Reward - Airline Date posted: 4/4/2005 Review: I have this card -- loved it -- and so I 'added' a second card under my account for my husband, and a third under my account for my business expenses. All have different account numbers on their face, but they are all under MY ACCOUNT. This means that we accumulate skymiles INCREDIBLY fast. Furthermore, the renewal fee, although $135 covers all three cards. We don't have to pay three fees. I have NEVER had a problem getting flights on Delta. And many of our "Award Ticket" flights are at Christmas and Thanksgiving! Last Christmas, I flew my family of FIVE from SW United States to East Coast for only the $10 processing fee. We have made a pact in our family to ALWAYS buy EVERYTHING on this card, so as to take advantage of it's amazing benefits. At the end of the year, the financial booklet listing and categorizing every purchase is nifty for preparing taxes. Also, I literally wear out the numbers on the card occasionally, and AMEX OVERNIGHTS me a new one! OVERNIGHTS it!!! I think the customer service is exceptional. Not having to ever buy insurance on rental cars adds up to quite a bit of savings, as well. As far as I'm concerned, the only drawback to this card is that not everyone takes American Express. You know what? I tell 'em in their face that I won't shop there anymore! Best Feature: Fast accumulation of skymiles! Worst Feature: not everyone accepts American Express Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Blue Cash(sm) from American Express® Provided by: American Express Total Posts: 20 Average Rating: 3.83 Category: Reward - Cash Date posted: 4/3/2005 Review: I cancelled my two AE cards this week even though I have been a loyal and paying customer for 10 years. Apparently I had been late on my Gold card ("your bill is due the 25th of every month mame") really, that is news to me. They never notified me to the fact that I was paying late... So they raised my APR from 10.47% on my BLUE card, not my Gold card, to over 27%...unbelievable. Of course I had a balance on that card of over $5,000. Isn't that convienent for them, they would be racking in $150 a month in interest alone with this new scenario. Even though I had NEVER been late on this card!!!!! In fact I had paid three times in the month of March to this card. Didn't matter. I said to the CS rep (in India) that they must be doing this to 75% of their customers because I pay my bill every month and consider myself very responsible. He said no the percentage is much lower than that, far below 50%. So apparently, a person who pays their bill at least once a month, for typically 4x the min payment is one of their worst customers. Unbelievable. I cancelled my cards on the spot and payed off the balance on both cards. I couldn't stomach paying them another cent. Best Feature: The cache of the American Express brand Worst Feature: Just like all large companies, greedy and rigid Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Macy's Credit Card Provided by: FDS Bank Total Posts: 33 Average Rating: 1.67 Category: Retail Date posted: 4/2/2005 Review: I've been a macy's card holder since I was about 18 since then I've pretty much learned macy's system through the years. Macy's has so many things to offer. Fantastic benefits with your charge card including free alterations, gift wrap, and shipping with your platinum/elite card. Not to mention you earn points for all the lingerie and hosiery you buy, and when your statement comes there is a coupon redeeming you of a $4-15 dollar amount towards your next purchase. On The other hand, if you suddenly recieve a problem in purchasing items you are led to a corner near the elevator with a telephone and a chair. Their idea of customer service! I think of it as "you cant have everything"! Macy's also reminds me of when the next sale is by sending me catalogs, coupons,and always wishing me a happy birthday with a 10 dollar postcard to redeem towards my next purchase. Here's a new thing. All new sale's, coupons are geared towards macy's charge card holders. Fraud is a thing that's happening around the world. I had many problems with it and was always thankful that I registered for credit protection with macy's. When you sign up for a new account there was an option about purchasing credit protection. Some people glance at it, thinking it was macy's way of trying to collect more of their money. Most didn't even know it was there. So in the end, Macy's is one of my favorite stores and I'm glad it's part of Federated. Best Feature: Free Shipping, gift wrapping, alterations with your platinum or elite card Worst Feature: No customer service in store. Just telephone by the elevator Overall Rating: 2.5 Benefit Rating: 4 Service Rating: 3.5 Recommend: Yes Credit Card: Express Card Provided by: World Financial Network National Bank Total Posts: 34 Average Rating: 2.10 Category: Retail Date posted: 4/1/2005 Review: I opened my card in 1998 when I was in high school. I was approved right away and was enticed by the initial discount and purchasing power. I had always paid my bills on time, but it wasn't until I was in college that I realized how ridiculous their finance charges were. I had attained visas since then and just wanted to get rid of the headache. My last purchase was a sweater I bought my aunt for christmas in 2001. It didn't fit and I brought it back. I had a zero balance before this purchase. I called to cancel the card in January and had no problems...so I figured I was done with WFNNB. Since I have moved several times. In late 2002 my credit was pulled and they were on there saying I owed some $190. I could not reach them...I went to Express and they gave me a number that only led me to a computer saying that I needed my account number. Well I didn't have it! I finally received a letter months later stating that I owed over 100 dollars in finance charges and the sweater purchase was still on there. I called that number and they said it was my responsibility to inform them of my new addresses. Why would I feel the need to do that when my account was closed and so I thought- paid off? Anyway, I have been disputing this with them for years...it is a serious scar on my credit report for now they put it as a charge off. I'm so frustrated...I might just pay them to simply get rid of the problem...even though it shouldn't be my problem. They have ruined my credit so terribly that I can't even get a cell phone in my name...and I'm now 25! I DO NOT SUGGEST ANYONE GET THIS CARD>>THE BANK IS THE WORST!!! Best Feature: n/a Worst Feature: poor customer service Overall Rating: 2 Benefit Rating: 2 Service Rating: 1 Recommend: No Credit Card: Orchard Bank MasterCard® Classic Provided by: Household Bank Total Posts: 171 Average Rating: 3.27 Category: Poor Credit Date posted: 3/31/2005 Review: I havent had any problems with this card or customer service. If you dont want to call them on the phone then email them they get back to you the very next day. I mean i can see if you run into problems if you dont pay the bill or give them excuses as to why,,like any other credit card company they may not believe you..lol..And when your even one day late on payments, hey! thats STILL LATE. you will get charged a late fee. But this card helped my credit score tremendously!! i had 4 charge off accounts and 1 judgement(all are paid off now), those wild care free not paying college days..lol..but they gave me an unsecured card, so they give u a chance. Best Feature: Helps rebuild credit Worst Feature: cant think of any Overall Rating: 4 Benefit Rating: 2.5 Service Rating: 4 Recommend: Yes Credit Card: Action Visa®/MasterCard® Provided by: BANKFIRST Total Posts: 110 Average Rating: 1.94 Category: Poor Credit Date posted: 3/30/2005 Review: As a former Bankfirst employee, I thought I would provide some insight for Bankfirst cardholders. Bankfirst was sold to Marshall Bank in late 2004. Marshall Bank then sold the credit card portfolio to CompuCredit. All Bankfirst employees who serviced the credit card portfolio were laid off, effective February 28, 2005. This is why you are unable to contact anyone for service on your account. Best Feature: n/a Worst Feature: n/a Overall Rating: 1.5 Benefit Rating: 1.5 Service Rating: 3 Recommend: No Credit Card: Citi® Diamond Preferred® Rewards MasterCard® Provided by: Citibank Total Posts: 5 Average Rating: 3.40 Category: Reward - Other Date posted: 3/30/2005 Review: I've had the diamond preferred for a little while now and just recently upgraded to the citi Premier pass so I could receive airline miles. They have some great benefits including lots of travel insurance, identity theft protection, $0 liability so if you are charged incorrectly you are not responsible, as well as extended warranties on any purchase and virtual numbers for better online protection. There benefits have gotten progressively better over the years. The only complaint I have is that at times you may have to call customer service several times to get the answer you need and that there are often better benefits with your card and lower APRs but you have to ask in order to receive them. Best Feature: Lots of card protection benefits / virtual numbers for online shopping Worst Feature: Have to ask for lower APR Overall Rating: 4 Benefit Rating: 4 Service Rating: 4 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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