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Thank you for helping us become one of the best sources
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Recent Articles
$800 Million Overseas Credit Card Fee Judgement
A California judge has ordered Visa and MasterCard to refund $800 million in currency
conversion fees (overseas credit card fees). What does this mean to you and are you
elgible for a refund? (6/19/03)
Hot Topics...Need advice to transfer large balance
"After a wedding and honeymoon, I find myself with $32K of debt on my FirstUSA
United card. I need out from under the APR and want to transfer.
Please provide your best recommendations for a new card with a 0% APR for transfers,
for as long as possible and as much as possible; or any other credit advice is
welcome."
More topics...
Member, lholton2, asks "Can you obtain a credit card if someone you know with really
good credit is willing to cosign?"
Guest, George, asks "If I have had one card since March of 2001 (Citibank) and
another since September of 2002 (Bank One), how does the longevity difference look
to the credit bureaus, in terms of "age" of the accounts?"
Member, Snoopycat, writes "Hi....I'm new here. I joined to see if anyone here
might know how a U.S. citizen/resident might go about getting a foreign credit card.
I will be travelling to Cuba in the fall, where credit cards issued by American banks
are not accepted. I have excellent credit, but I just need to find a foreign bank
that would accept my application. I visited a few websites (Barclays, etc.), but
they only issue cards to UK residents. Any help on this would be greatly appreciated.
Thanks!"
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Cardholder Reviews
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Recent Credit Card Reviews by Consumers
Like You!
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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: Spiegel Charge
Provided by: First Consumers National Bank
Total Posts: 75
Average Rating: 1.94
Category: Retail
Review: My bills have always
been paid on time. Well just this month I get a late notice from Spiegel
Charge on my FCNB balance. My bill was received and paid to FCNB (on time).I
never received anything from Spiegel Charge until this notice. If anyone has
this same problem send Spiegel Charge and your attorney general's a letter just
make sure you get a receipt from post office. If enough of us do this they
will investigate this company. We don't deserve this treatment they are just
rip-off artists without the mask!!!!!!!!!!!
Best Feature: none
Worst Feature: rip-off artists
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Orchard Bank MasterCard® Classic
Provided by: Household Bank
Total Posts: 132
Average Rating: 3.03
Category: Poor Credit
Review: I've been with Orchard for almost 4 years. I've
never paid late or gone over my limit. My credit report has drastically
improved since I first got this card...I now hold a citibank platinum visa
with no annual fee. So this year, when I was charged the $69 annual fee by
Orchard I decided to just do away with the card. I called to cancel and when
asked why, I told them that I didn't need a card with an annual fee. After
checking my record of excellent pay with them, they removed the fee. I didn't
ask...they just offered. Now they're keeping me as a cardholder...at least
for another year! Good job Orchard!
Best Feature: relatively low apr
Worst Feature: annual fee
Overall Rating: 4
Benefit Rating: 1
Service Rating: 5
Recommend: Yes
Credit Card: Sears Card
Provided by: Sears
Total Posts: 108
Average Rating: 2.20
Category: Retail
Review: I closed my Sears account in 1999 because of the
outrageous interest rates and because I found out that when my payment was
credited 2 days after the due date I received a negative credit rating for
being 30 days late. I paid off the balance in 2000. I was horrified to find
that on a recent credit report the card was listed with the 30 day late item
noted, and the last date of activity showing as May, 2003! Upon contacting
them they indicated they have no record of my request in 1999 so I will now
have this negative credit rating for another five years. DON'T EVER LET THESE
PEOPLE RUIN YOUR CREDIT. Get ANY other card in the universe.
Best Feature: None
Worst Feature: Horrible interest rates; immovable
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
USAA MasterCard®
Provided by: USAA
Total Posts: 39
Average Rating: 4.76
Category: Regular
Review: My husband and I went through at tough time recently,
he was severly injured and just a short time later my company down sized and
I lost my job. USAA worked with us and never pressured us at all. We worked
hard and managed to get all our creditors paid off, but trying to regain any
credit was very difficult. We called USAA and talked to them about the
situation. We asked them to reissue us a credit card with a very low credit
limit just so that we could begin rebuilding our credit rating. They were
willing to do this and worked with us along the way. Today we are back in
pretty good shape and have had our balance raised several times! We feel a
strong allegiance to USAA because of this and thanks to them we are well on
our way to economic recovery.
Best Feature: Customer Service
Worst Feature: interest rate
Overall Rating: 4.5
Benefit Rating: 3
Service Rating: 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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