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 17,250 reviews of 928 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: Alaska Airlines Visa® Signature Card Provided by: Bank of America Total Posts: 5 Average Rating: 2.60 Category: Reward - Airline Date posted: 7/6/2005 Review: I was a card holder for 10 years and switched to the signature card. I travel a lot for work and use the card for expenses. Bank of America was turning off my card constantly. Customer service was rude when I called to resolve the problem. When I went into the bank to cancel the card, they told me that feature could be removed. Before that, I had called them 5 times to turn off the fraud protection! Switched to MBNA with no problems. Best Feature: Good on-line statement Worst Feature: Fraud protection service is worthless Overall Rating: 1 Benefit Rating: 4 Service Rating: 3 Recommend: No Credit Card: Limited Brands® Card Provided by: World Financial Network National Bank Total Posts: 4 Average Rating: 4.00 Category: Retail Date posted: 7/5/2005 Review: The online bill payment method would boost my evaluations to a 5 star. Best Feature: I love the clothing line!! Worst Feature: I really wish they offered online bill pay Overall Rating: 4 Benefit Rating: 3 Service Rating: 4 Recommend: Yes Credit Card: US Airways Dividend Miles Visa® Platinum Card Provided by: Bank of America Total Posts: 9 Average Rating: 3.44 Category: Reward - Airline Date posted: 7/4/2005 Review: We've used this card for years to fly to Hawaii for the winters, but for the last three years we haven't been able to get flights when we wanted them. We've even called 330 days in advance (when the seats become available) and been unable to book when we wanted. I don't know if they've cut down on the seats available for frequent flyer travel, or if there's just a huge demand for these tickets, but we've quit using the card and are using American Advantage M/C now without problems. Best Feature: easy to rack up a lot of miles Worst Feature: can't get the flights we want Overall Rating: 2 Benefit Rating: 1 Service Rating: 3 Recommend: No Credit Card: American Express® Rewards Green Card Provided by: American Express Total Posts: 11 Average Rating: 4.64 Category: Charge Date posted: 7/4/2005 Review: This is the most solid card you can get, any charge account from American Express, even just the basic level green card, brings a certain amount of presteige and respect. I don't know why people knock this card as I've seen in some reviews. I've never had a single issue with it. I think probably the main issue, as I've seen from some reviews, is that people get a pay in full card from AMEX (probably just because they want to try to be a big shot) can't pay it in full every month, and then call AMEX to gripe because they got a late charge. And people are amazed because they won't waive the fee. Folks, it's American Express, of COURSE they won't waive the fee, and anyone that takes out a card knows full well what the terms are. It's a great card to have don't get me wrong but perhaps, in light of some of the sour grapes reviews I'm reading, there are some that should give up the AMEX card and apply for a secured credit card with a smaller bank that would perhaps expect its clients to be delinquent on occasion. Best Feature: It's American Express...it's the best...hands down!! Worst Feature: Not a thing!! Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: New Millennium Bank Platinum Visa®/MasterCard® Provided by: New Millennium Bank Total Posts: 30 Average Rating: 3.03 Category: Secured Date posted: 7/3/2005 Review: I filed bankruptcy and needed to have my credit restored. I searched for the right card and found it. I haven't had a problem with this card at all. Sure it took about 3 weeks to receive it, but I was not in a hurry. .I have bad credit so I needed the added weeks to make sure I was ready for credit restoral. I am now on the road to making better decions and being responsible for my decisions to having better credit. Thank-you NMB for making this available for those of us who didn't really understand the importance of having good credit and giving a second chance at it. Best Feature: I needed my credit restored asap. I sent/rec'd the card w/o any problems Worst Feature: No grace period. Can't find the website Overall Rating: 3.5 Benefit Rating: 3 Service Rating: 3.5 Recommend: Yes Credit Card: Diners Club® Card Provided by: Citibank Total Posts: 28 Average Rating: 4.02 Category: Charge Date posted: 7/2/2005 Review: After being a Diner Club card holder for years, today I have closed my account. With the new mastercard alliance, reduced grace period, but no reduction in the annual fee, the account is worthless. I have many other rebate credit cards that offer better than this (avg 1% back) card with no fee's and lower interest rates. I am guessing a lot of other cardholders feel this way and will be doing the same. Sorry to say goodbye, but not sorry enough to be ripped off. Best Feature: None Now Worst Feature: Change to M/C Overall Rating: 2.5 Benefit Rating: 2 Service Rating: 4 Recommend: No Credit Card: First PREMIER Bank Gold MasterCard® Provided by: First PREMIER Bank Total Posts: 58 Average Rating: 2.89 Category: Poor Credit Date posted: 7/1/2005 Review: Folks: First I agree with the many reviews that state "READ the fine print", and to pay your bill as soon as it arrives. However, from personal experience, I have found the Orchard Bank Card a much better experience and the card to have. I am not inundated with excessive fees and credit increases are much easier. You can pay by check, phone or online wihtout the problems everyone has noted. The interest rate is higher, but at least you get a card with a decent balance. I have since closed my Orchard card (with no hassles) and am on to bigger things. It is tough, but as many are realizing now, your credit is key to everything. Be smart, not hasty. Best Feature: Low APR rate Worst Feature: Fees that you don't get with Orchard Card Overall Rating: 2.5 Benefit Rating: 1.5 Service Rating: 2 Recommend: No Credit Card: Sears Gold MasterCard® Provided by: Sears Total Posts: 3 Average Rating: 1.00 Category: Regular Date posted: 6/30/2005 Review: I have a need to speak to a person about a possible lost payment in the mail and I cannot get to a real person to talk to about this issue Best Feature: no better then other cards Worst Feature: not able to talk to a customer service person Overall Rating: 5 Benefit Rating: 5 Service Rating: 1 Recommend: No Credit Card: GM Card Provided by: TD Canada Trust Total Posts: 4 Average Rating: 3.75 Category: Foreign Date posted: 6/27/2005 Review: I was iusing my GM card however my brother who is 85 quit driving and gave me his car so that I probably will not need a new car as I also am approaching 80 yrs of age. I now use a card that gives me cash discount on my gasoline. Best Feature: If you need a new car the money it saves you Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: TJX Visa® Card® (Capital One) Provided by: Capital One Total Posts: 12 Average Rating: 2.21 Category: Reward - Retail Date posted: 6/25/2005 Review: I have had many financial issues in 2003 and 2004 and as a result my credit took a nose dive. In late 2004, I was getting back on my feet and wanted to rebuild me credit and Capital One issue me one of there cards, it had a annual fee, high interest and a low limit, all of which I expected. I have no issuse with the card, and was glad they were willing to take a chance on me. I had actually called them tooking for a secured card. Now 7 months later, they issued me this card with a $1000 limit, which is the highest I have current. This is nothing compared to what I had in the past, but I could not ask for more with my credit history. So far I have had no issues with the card, and I am thankful for Capital One who is giving me a chance to rebuild my credit. I agree with the last entry, if you have a problem with the card, why not get one better suited for your needs, especially if you are one of those people who claim to have great credit. I am very happy with Capital One, I enjoy being able to view and pay everything online with no fees. Thanks Capital One! Best Feature: Rewards Worst Feature: Interest Rate Overall Rating: 4 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. 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