I attempted to pay by phone at least three times and the transaction was not posted. I was charged the late fee the first time. The second time I was charged the phone call fee and the late fees were waived. This is not a good business practice!
Best Feature: interest rate was/is 7.6%
Worst Feature: customer service
Overall Rating: 5
Benefit Rating: 5
Service Rating: 1
Recommend: Yes
Credit Card: First National Credit Card
Provided by: First National Bank
Total Posts: 262
Average Rating: 1.15
Category: Poor Credit
Date posted: 4/23/2006
Review:
I stupidly activated my Legacy Visa card and there are charges on it that I never made. They say they are First National Bank but they won't give me a "physical" address, just a P.O. Box. I am not paying on it anymore. They can keep it. I have checked all over the internet and I can't even find them. All that comes up are "Rip Off" sites.
Best Feature: none
Worst Feature: all
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Citi® Diamond Preferred® Rewards Card
Provided by: Citibank
Total Posts: 9
Average Rating: 3.11
Category: Reward - Other
Date posted: 4/23/2006
Review:
I have spent a considerable amount of time online trying to redeem my 5,000 points. There is no link to give me choices as to where I can apply the 5,000 points.
Best Feature: none
Worst Feature: It is impossible to redeem points earmed
Overall Rating: 3
Benefit Rating: 5
Service Rating: 1
Recommend: Yes
Credit Card: HSBC Standard Mastercard
Provided by: HSBC Bank Nevada, N.A.
Total Posts: 6
Average Rating: 2.83
Category: Regular
Date posted: 4/22/2006
Review:
I have had this card for 2 years. They increase your credit limit and report promptly to all 3 credit bureaus. This is an excellent card for building credit. Representatives are friendly and informative and treat consumers with respect regardless of credit limit.
Best Feature: Reports regularly and acurately to all 3 credit bureaus
Worst Feature: None
Overall Rating: 5
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Credit Card: Navy Federal Credit Union Visa® Classic
Provided by: Navy Federal Credit Union
Total Posts: 23
Average Rating: 4.24
Category: Credit Union
Date posted: 4/21/2006
Review:
I've had the card for many years, bought many airlines tickets with the reward miles, etc. One thing I really value is flexibility. Last year, I was unemployed and needed a ticket for a job interview. My miles were short by about 5,000 points. After begging and pleading and calling twice, I finally got someone that 'fronted' me the points in advance. I got the ticket, the job, and had the points 'paid off' in a few months. You don't get that kind of service from everybody. With that said, I use USAA for everything else. They have the BEST customer service.
Best Feature: flexible
Worst Feature: none
Overall Rating: 4
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Credit Card: Chase Platinum Visa®
Provided by: Chase
Total Posts: 6
Average Rating: 1.50
Category: Regular
Date posted: 4/19/2006
Review:
In light of all the bad reviews here (I just blasted my Citicard, never get one) I wanted to report that I enjoyed using my Chase 0% APR for 12 months Platinum Visa. Payment options were good and the customer service was good. Maybe because I was stupid enough to sign up for the payment protector....don't do this.
Best Feature: 0% interest for a year
Worst Feature: Online Services
Overall Rating: 4
Benefit Rating: 4
Service Rating: 4
Recommend: Yes
Credit Card: One from American Express®
Provided by: American Express
Total Posts: 1
Average Rating: 5.00
Category: Reward - Cash
Date posted: 4/16/2006
Review:
Love American Express and the One Card.
My husband and I both have an Amex Gold and an Amex One - we love them both! We use the Amex One card to pay off large items - such as the braces for our boys - and to get a bigger bang for the buck.
Best Feature: Cash Back
Worst Feature: It can be difficult to access online info if you lose / change your password.
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: YAHOO! Titanium Visa® Card
Provided by: Bank One
Total Posts: 2
Average Rating: 4.00
Category: Reward - Retail
Date posted: 4/13/2006
Review:
It was a great card when it was FirstUSA. They had phenomenal service at that time. Then it became BankOne and it was ok. Now that it is Chase it is horrible. Chase customer service is non-existent, they are way too big for customer service. The Chase card center interface is horrible, you can't find anything on it without wasting a lot of time. You used to be able to pay on the deadline day but now that it is Chase, if you pay online and on the same day they charge a convenience fee of $14 to take your payment - that defeats the whole point of an instant online payment! I am looking around for another rewards program.
Best Feature: Rewards program - points based, get gift certificates
Worst Feature: The new Chase bank interface. It is minimalistic and difficult to find anything.
Overall Rating: 3
Benefit Rating: 4
Service Rating: 3
Recommend: No
Credit Card: First Financial Bank Visa® Card
Provided by: First Financial Bank
Total Posts: 96
Average Rating: 1.61
Category: Regular
Date posted: 4/12/2006
Review: I received letters about this card in the mail for a while and decided to give it a try and I am glad that I did. This is a great card for parents to get their teenagers to help them build their credit for a better future. This card has no interest rate and no activation fee. It's a really good credit card to start off with.
Best Feature: No activation fee and no interest rate applied
Worst Feature: None
Overall Rating: 5
Benefit Rating: 4
Service Rating: 5
Recommend: Yes
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