Following is a very small sample of the newest cardholder reviews that can be
found by clicking the "Consumer Reviews" link above. We take pride in the
quantity (our site offers 7,750+ reviews of 578 different credit cards)
and quality of the consumer reviews that can be find on our site.
The cards are rated
on a scale from 1 to 5, with 5 being the highest recommended.
Credit Card: Priority Club Worldwide Platinum Card
Issuer: First USA
Status: Platinum
Review: Payment schedule must be done within 5 days of the payment.
I would not recommend First USA, there are plenty of other companies that
have much better Internet system and customer service: MBNA.
Best: The points
Worst: The customer service and internet payment set up
Card Rating: 2.5
Customer Rating: 1
Benefit Rating: 3
Recommend: No
Credit Card: AT&T Universal Card
Issuer: Citibank
Status: Standard
Review: I have been very happy with my AT&T card. My interest is always going down & my
credit line has increased twice in the 2 years I have had the card. I have
never had to call in to request this either. I have never had a problem with
my payments being late or being held. I work for a credit card company. All
the compaints listed about this card are the same complaints I hear daily.
If you don't want fees,all you have to do is mail the payment in early & call in
a few days later to make sure it has arrived. If the payment isn't there you
still have time to make additional arrangments without being late. I do this
with all my payments. Things happen in the mail, payments do get delayed & lost,
same thing for your statements. You just got to be on top of things & you
won't have problems. This card also doesn't have an annual or any kind of
activation fee.
Best: Low interest & no annual fee
Worst: No grace period for cash advances
Card Rating: 4.5
Customer Rating: 4
Benefit Rating: 4
Recommend: Yes
Credit Card: Providian Visa Classic
Issuer: Providian
Status: Standard
Review: Due to Corporate problems, Providian is liquidating their sub and mid-prime
portfolio. They also are unable to extend payment dates and credit lines at
this time. In fact, they are raising some of their accounts interest rates
to nearly 30% with no grace period. Some of this info is first hand and some
of it it alleged. However, I am a stockholder for what it's worth.
Best: Have been flexible in past
Worst: Rate/fees due to co. problems no longer flexible
Card Rating: 1.5
Customer Rating: 2.5
Benefit Rating: 1
Recommend: No
Credit Card: Capital One Visa Gold Card
Issuer: Capital One
Status: Gold
Review: So far, I have had numerous reasons to call and had them all
efficiently explained and settled to my satisfaction.
Best: Response to unauthorized charge was quick and appropriate
Worst: Occasional too long on hold
Card Rating: 5
Customer Rating: 5
Benefit Rating: 5
Recommend: Yes
Credit Card: AOL Visa Card
Issuer: First USA
Status: Standard
Review: I have an AOL card and I've never gotten my AOL free. What's this
about a free AOL reward?? Also, I tried to get my ex-wife off of it, and
they said they would change the account number and expiration date. All they
did was place my account on "hold" so now I'm not sure if they even did what
they asked, yet. What a pain. Also, the person who said Mafia-like interest
rates is very right. I'm getting rid of this card ASAP.
Best: None
Worst: Customer service
Card Rating: 1
Customer Rating: 1
Benefit Rating: 1.5
Recommend: No
Credit Card: Discover Card
Issuer: Morgan Stanley
Status: Standard
Review: This to me is one of the best credit cards out there. They offer
prompt customer service 24 hours a day, seven days a week. I have yet to
encounter a rude or dissengaging operator. They have all been very friendly,
kind, and cooperative. On top of all that, they have a cashback bonus. They
pay you for using the card. Not much, but how many credit card companies do
that. They offer programs that will assist you in your discover card bill if
you lose your job. I mean there are so many options that are in place to help
you that I don't even have to the room or time to name them all. To wrap
this all up, I would say that the discover card is one of the best cards out
there and i would recommend it to anyone.
Best: Prompt customer service
Worst: Too many options
Card Rating: 5
Customer Rating: 5
Benefit Rating: 4.5
Recommend: Yes
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