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 19,000 reviews of 956 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: Bank of America WorldPoints™ Platinum Plus™ MasterCard® Credit Card Provided by: Bank of America Total Posts: 9 Average Rating: 3.61 Category: Reward - Other Date posted: 4/18/2007 Review: I got this card to help Ducks Unlimited. The interest rate is great and the points add up fast. It's a win win card. Customer service has been great. Best Feature: This is a great card that helps support Ducks Unlimited! Worst Feature: I can't think of any. Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Delta SkyMiles® Platinum Credit Card Provided by: American Express Total Posts: 28 Average Rating: 3.95 Category: Reward - Airline Date posted: 4/15/2007 Review: The Platinum card is not a good deal. To obtain a companion ticket you will pay extra hidden fees (including $15 for each of two tickets, because you cannot book online). The absolute worst feature is that you must physically take your certificate to a Delta agent. For many of us, this means going to an airport. Have AMEX and Delta not heard that this is the electronic age? I downgraded to AMEX Gold and am skeptical about keeping this one. Best Feature: There are none Worst Feature: Extra hidden fees per ticket; must physically take certificate to a Delta agent Overall Rating: 2.5 Benefit Rating: 1 Service Rating: 2 Recommend: No Credit Card: HSBC Standard Mastercard Provided by: HSBC Bank Nevada, N.A. Total Posts: 10 Average Rating: 2.54 Category: Regular Date posted: 4/9/2007 Review: I opened this account and used my card only once for $450.00 (the limit they gave me was around $6000.00) and then I completely forgot about these guys. I never got a bill and, as I have 7 to 8 cards, I didn't remember about this card in particular. After 6 months I get a call at last from a collections agent saying that my balance on the card is $920.00, my card was blocked and I'm delinquent. I was shocked. I payed immediately over the phone for the $450.00 that I used and then I called up customer service. I told them that I never got a bill and I had completely forgot about this card. The rep took 6 minutes to research the account and then told me that he could see that all the statements were returned and then told me all fees would be adjusted. Next month I had a zero balance, my card was active again, and since they reported me delinquent to credit agnces they corrected that as well. Thank You HSBC for the service - I appreciate that very, very much. I would continue to do business with you guys until the end. Best Feature: The Bank itself Worst Feature: Should Respond to customers more quickly Overall Rating: 4.5 Benefit Rating: 2 Service Rating: 5 Recommend: Yes Credit Card: American Express® Costco Platinum Provided by: American Express Total Posts: 23 Average Rating: 3.67 Category: Reward - Cash Date posted: 3/28/2007 Review: This is a good card if you do not carry a balance. As others have said, this is currently the only credit card accepted by Costco. The rebates are nice. Although I generally do not carry a balance period over period, I discovered that AMEX is now charging average daily balance over two bill cycles if you carry a balance. So if you carry a balance over one bill cycle, pay off the balance the next cycle, you will still incur a finance charge for the third bill cycle even if no charges were made against the card in the third period. Essentially, you are paying double the finance charges. This is considered such a shady practice that lawmakers are considering passing legislation to regulate this practice. It was surprising to see that an otherwise respectable credit card company would employ such a practice. Best Feature: Rebates Worst Feature: Double billing cycle Overall Rating: 3.5 Service Rating: 3.5 Recommend: No Credit Card: Capital One® Platinum MasterCard® Provided by: Capital One Total Posts: 330 Average Rating: 3.52 Category: Regular Date posted: 3/27/2007 Review: I've been a customer with Capital One for approx 3 years. Because of my exceptional credit history, I was given a Platinum MasterCard with a low 4.9% rate. My payment history is spotless with Capital One as well as all my other creditors/bills, etc. In January I made a large purchase which ran my balance up to 11k (unusually high for me). While I had enough cash saved to pay the entire balance, I wanted to take advantage of the low rate and use the cash for something else profitable. The first week in March I received notice that my rate would double to 9.9. The justification they provided was "due to market changes..." I made the purchases expecting to pay a 4.9 rate, only to be shafted into a 9.9 rate. While 9.9 IS competitive, that's not what I signed up for. In the very same letter they were offering 5.9 for an unsecured personal loan. So why the raise? Clearly, they're tempting customers into debt and then raising the rates when they reach a point where Capital One feels they can't pay off the balance. Where I'm from, we call that "loan sharking." Best Feature: Online web services are reliable well designed. Worst Feature: Customer service is automated and frustrating. Terrible all around. Overall Rating: 2 Benefit Rating: 2.5 Service Rating: 1 Recommend: No Credit Card: US Airways® Platinum MasterCard® Provided by: Juniper Bank Total Posts: 4 Average Rating: 2.75 Category: Reward - Airline Date posted: 3/17/2007 Review: I have had this card for a year and 3 months. I am a college student who applied for this card with 7 months of having a credit history (credit score of 680). I have paid this card off every month since I have had the card and have a credit limit now of 2,000 dollars. I have earned 3 award travel tickets from the miles I earned during the first year (1.5 mile for every dollar I spent). The first couple payments were delayed but by the fourth month with every payment being sucessful the wait time was extremely reduced to overnight. I have had several instances where I have went over my credit limit (ie. tuition, books, fees). Every one of my charges have been paid and the company has been understanding enough to waive the fee's. The customer service is SUPERIOR, with my Chase and Capital One I have to wait at least 15-20 minutes, and sometimes I get disconnected. Juniper bank is there all the time, their quality of service is excellent, and 98% speak fluent english. They don't force promotions or extra insurance on you, and their services are free. The intl. travel I made to Europe over the summer was excellent, everywhere I went accepted the MasterCard. I am impressed with this card company and currently in the process of cancelling my Chase and Capital One card this week. Best Feature: One and a half miles for a year, and one mile per dollar after! Worst Feature: None Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Citi® Diamond Preferred® Rewards Card Provided by: Citibank Total Posts: 23 Average Rating: 3.04 Category: Reward - Other Date posted: 3/8/2007 Review: Citi stands by their customers. I've had this card for 10 years or so and Citi just replaced my cards PROACTIVELY. They gave my wife and I new cards - both with unique numbers because they were concerned over potential fraud. I could not find my new card in the mail pile to activate it,so they offered to ship me a new one ASAP. I once used it randomly for gas 2000 miles from home and they alerted me after the fact. Now I check in with them before traveling. I wish the rate was lower than 14.99% though (they won't cave in on rates as easily anymore). I use it as a back up to my AMEX. Compared to Chase & Capital One, I much prefer the Citi experience. Most likely a customer for life. Best Feature: They appreciate loyalty, waived fees when appropriate, alerted to potential fraud Worst Feature: Offshore customer service for initial calls Overall Rating: 4 Benefit Rating: 4 Service Rating: 4 Recommend: Yes Credit Card: Washington Mutual Platinum Card Provided by: Washington Mutual Total Posts: 32 Average Rating: 3.45 Category: Regular Date posted: 3/1/2007 Review: Horrible Experience after WAMU bought Providian We opened a credit card account with Providian in 2000. After WAMU bought them out, the interest rate was raised on our card to 31%. Because of this, we pay the card off each month. Today I was checking our accounts online, and noticed that my credit limit had been changed to zero. When I called the customer "service" line, I was put on hold and then when the girl finally came back, she told me that our card was being cancelled, and there is nothing that can be done about it. She said that I am welcome to re-apply. I have been current with this card for seven years! I have no recent bad credit at all. The last time we had any derogatory credit was in '97 when our house burned down. I am upset about this, because this will affect our credit score in a derogatory manner---and we are trying to buy a new house. Because the creditor has closed the account, my credit score will be affected. I just don't understand. They must have cancelled us because we don't carry a balance, and therefore they don't collect that outrageous interest rate from us. Please Advise. What a HORRIBLE company. Best Feature: Horrible since WAMU took over Providian Worst Feature: Cancelling long term Providian customers for No Reason Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Bank of America Secured Visa® Platinum Card Provided by: Bank of America Total Posts: 12 Average Rating: 4.38 Category: Secured Date posted: 3/14/2007 Review: I decided to start building a credit history and I was surfing their website for an appropriate card. I had the oppurtunity to chat with various agents online on different times. They are usually very friendly. One day I was on the BofA website chatting with an agent. As he answered my numerous questions, I decided to apply for the Secured Platinum Visa with a deposit of $300. He said I should not apply for it because he had a better card for me with no deposit at all. I was surprised and pleased and so I applied for the BofA Platinum Visa Plus through the link he gave me. This card is an unsecured card. I was rejected but instantly got preapproved for this great special card 'Partial Secured Platinum Visa' with a $99 collatoral deposit. It has a credit line of $500 with an APR of 19.24%. I really felt I got a treat as I am getting a larger credit line with less money. I applied on 02/08/07, my deposit was cashed on 03/12/07 and I am waiting and counting days to see my card. So in short it looks like a good card to me and of course with lots of waiting to do inbetween! Best Feature: It has the lowest deposit of $99 for a credit line of 500. Worst Feature: You need an abundance of patience just waiting for the card to arrive. Overall Rating: 4.5 Benefit Rating: 4.5 Service Rating: 4.5 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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