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

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