CardRatings.com Monthly Newsletter May 2003
May 1, 2003
Credit Card Fraud Alerts Made Easier
With one phone call, a victim of identity theft can now get a fraud alert placed on all three credit reports. Examples include credit card transfer fraud and fraud involving credit card bills. (4/25/03)
Hot Topics...HELP! What do I do?
I just applied for (and was approved) a new Visa Platinum last night and then when my hubby arrived home, he pointed out the fact that what I had thought was 0% on balance transfers---was actually 8.9%!
Visit our active message board! Ask a question, give your opinions. Select questions answered by our board monitor. Our board currently has over 11,500 posts (since May 2000) and new posts are added daily! We are seeking new consumers like you to become involved in our board community.
The main purpose of our board is to provide a forum where consumers can help other consumers. Share your experiences and opinions and learn about the experiences and opinions of others. Anonymous posts are welcome. Solicitations and personal attacks, however, are strictly prohibited.
NEW! We are proud to announce that our much anticipated new and improved message board is now online! We have worked hard to develop this new board and hope that you enjoy using it. The new board is much more user friendly than our previous board and offers many new features, including the option to become a registered board user. These new features should help further foster the strong sense of community that our board has always enjoyed. The new board format has become so popular that it has been nominated for a 2003 Webby Award for Technical Achievement!
| Recent Credit Card Reviews by Consumers Like You! |
| 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 11,500 + reviews of 700 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: ExxonMobil MasterCard® Review: Exxon Mobil is nice to use, just don't lose it!! I love the 3% back on gas. I use this card only for gas purchases. I get usually a tank of gas free each month. Someone from Nigeria stole my card number and used it. I called the company that charged the card and got the amount refunded. No big deal. But things go interesting next month when I had another fraudulant charge on the card. It turns out from another company of the same nature as the first. I called and found out that the charge orginated from Nigeria. Hmmm... I asked what card number was charged, they gave me the old card number, the one I cancelled last time. In fact, the card had been cancelled at least a week before this new charge. The company could not refund my money, to a card that did not exist. I called customer service, at first they told me to call the company back. After explaining the situation, they sent me a Disputed charge form. (Which took a month and a half.) Best Feature: I love the 3% back on Gas. Worst Feature: Bad customer service, bad account management. Overall Rating: 4 Benefit Rating: 5 Service Rating: 1.5 Recommend: Yes Credit Card: Continental Airlines Classic MasterCard® from Chase Review: Card good/customer service bad I first received this card a year ago. Long story short, I maxed out my card by charging my tuition, they charged me the annual fee in the same month I maxed out my card and charged me a late fee. Took me half an hour, a cs rep, and two supervisors to get rid of the fee because even though they claim they tell you in the literature when the annual fee is going to be charged, it doesn't say anywhere (I had kept all the literature sent to me). Second problem, I paid the card off one month through a Chase bank branch. Card claimed they never got the payment. I sent a copy of the receipt they had given me at the branch: no good. I sent a copy of the cancelled check. Overall, took 4 months to clear up a problem that should never have occurred in the first place. My advice, never pay through a Chase branch, annual fee is charged in the second month you get the card (I think). Miles or no miles, I will be giving up this card in this next year. Best Feature: Miles, miles, miles Worst Feature: Customer service leaves much to be desired Overall Rating: 2 Benefit Rating: 4 Service Rating: 1 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. |
Important Note! The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we can not guarantee the accuracy of the information in this article. Please verify all terms and conditions of any credit card prior to applying.
You are welcome to print a copy of any of our articles and distribute them for educational purposes. If you are a webmaster, you can post any of our articles on your site provided that you include a link to our site. Please click here for more information about free credit card articles.
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