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 15,000 reviews of 859 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: Spiegel Charge Provided by: First Consumers National Bank Total Posts: 172 Average Rating: 1.50 Category: Retail Date posted: 5/31/2004 Review: Since the Card Processing Center took over the Spiegel Charge account I'v had nothing but trouble trying to pay my bill. All I get are late fees after late fees no matter haw soon I pay my bill. They have ignored my requests time after time about the increases that I've been charged for no reason. My bill goes up with each payment. At this rate I'll owe them forever. If I wasn't trying to keep my credit in good standing I would refuse to pay this bill. Best Feature: there is nothing good about it since they went bankrupt Worst Feature: they turned their accounts over to an incompent bank Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: JC Penney Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 33 Average Rating: 2.00 Category: Poor Retail Date posted: 5/31/2004 Review: It seems at some point JCP sold there credit cards to MCCGB wiithout any notice to the consumers. I had an excellent history with JCP since 1997. When MCCGB took over, they would "temporarily close" then re-open my accoung on a monthly basis do to my credit report. I never authorized them to pull my credit report this often, in fact, it was MCCGBS inquiries that was lowering my FICO score. In some way, GECCC is the parent back for MCCGB. I have 2 accounts with GECCC that Ive never had any problems with, why is MCCGB so disorganized? Best Feature: NOTHING!!! Worst Feature: Horrible customer service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Scotiabank Visa® Gold Provided by: Citibank Total Posts: 5 Average Rating: 4.50 Category: Foreign Date posted: 5/31/2004 Review: This is a good card to have and use. Best Feature: Recognised name Worst Feature: Not very widely used in the rest of the world Overall Rating: 4.5 Benefit Rating: 4 Service Rating: 5 Recommend: Yes Credit Card: American Express® Gold Card Provided by: American Express Total Posts: 66 Average Rating: 4.22 Category: Charge Date posted: 5/30/2004 Review: This card is great if you need high spending limits and demand good customer service. American Express will stop payment to merchants if you have filed a dispute with them. I had a dispute over a return policy of one of American Experesses merchants I had done business with, and American Express refused to pay the merchant and made sure the merchant recitified the situation. This card is definitely a good choice, however all American Express cards are accepted less than say, Visa, since American Express takes a higher free from merchants. Best Feature: AMEX will fight for you if you are displeased with a merchant Worst Feature: It is not accepted everywhere unlike visa Overall Rating: 5 Benefit Rating: 4 Service Rating: 5 Recommend: Yes Credit Card: i-GEN MasterCard® Provided by: Columbus Bank and Trust Total Posts: 14 Average Rating: 2.32 Category: Pre-Paid Date posted: 5/29/2004 Review: When you buy it, they tell you that you can use it wherever Master Card is accepted including renting cars, travel expenses, ...etc. When I had to go online to activate it, the agreement specifically told me that I cannot use it in person and that I am only obligated to use online or for purchases over the phone. Very bad card! There are much better ones in the market. Best Feature: worst prepaid credit card Worst Feature: worst prepaid ever Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: New Millennium Bank Platinum Visa®/MasterCard® Provided by: New Millennium Bank Total Posts: 2 Average Rating: 2.50 Category: Secured Date posted: 5/28/2004 Review: I have been a card holder for about three months now. The customer service reps are always very friendly when I call. I was very happy to be able to get a secured card with benefits, such as auto insurance and warranty extension. I was not interested in the travel coupon, even though I never got it after my approval. Most flights in the US do not reach the price level necessary for the coupon to kick in. The only negative comment that I have is in regard to holding checks for credit line increases. Even though I send cashier checks from Bank of America, they still hold the amount for seven days. I have yet to figure that out. However, they do allow you to send a Western Union Money Gram for same day increases if necessary. The card will never become unsecured. They make no bones about it. Best Feature: Rental Car Insurance Worst Feature: No grace period Overall Rating: 4 Benefit Rating: 5 Service Rating: 4.5 Recommend: Yes Credit Card: Chevron Credit Card Provided by: Chevron Credit Bank Total Posts: 21 Average Rating: 2.76 Category: Reward - Gas Date posted: 5/26/2004 Review: I have had this card for almost a year now and have had no problems with using this card. I always pay my bill on time on-line and they seem to always get my payment and apply it to my account quickly. I don't have the best credit, but this company gave me a chance and I have not had any problems. Best Feature: The introductory 5% savings on any gas purchased Worst Feature: none Overall Rating: 5 Benefit Rating: 4 Service Rating: 4 Recommend: Yes Credit Card: First National Bank of Marin Visa® Platinum Card Provided by: First National Bank of Marin Total Posts: 24 Average Rating: 3.77 Category: Regular Date posted: 5/26/2004 Review: This was actually my 4th or 5th credit card. They sent me an offer in the mail and it was preapproved so I said why not. I have 3 cards with $500 limits and 1 with $1000. I thought it was funny that they extended me the favor of a $300 limit. So far I have had no issues. I pay my bill online even though theres a fee. People who complain about these fees are not considering that they are being given a chance to improve their credit, the company is taking a RISK on them by giving ANYTHING. For every 1 person who pays up on time there are 100 who cant be bothered. I don't blame them a bit for having a few fees to make up for the losses. As far as what someone posted about freezes for overseas usage. This is common practice in alot of cards and banks. You should be grateful they have such a service. They monitor cards for things outside your normal soending pattern or area and block the card. SURE it can be inconvenient, but would you rather some one get your card and ruin you in 5 minutes if they DIDNT have such a thing? :) I work in the debit card industry so theres not alot I dont know about this stuff. With the amount of fraud and identity theft going on (trust me, its alot) I commend FNBM for having tis service available. Just let them know to notate your account when youre travelling. not so hard. Overall a good little card. Best Feature: Online Access Worst Feature: Fees Overall Rating: 3 Benefit Rating: 3 Service Rating: 3 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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