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: Chase Platinum Visa® Provided by: Chase Total Posts: 15 Average Rating: 1.27 Category: Regular Date posted: 7/25/2006 Review: Quick story. I had this card for a few years and always made my payments online, through my bank. Once, my payment posted a day late. It just so happens that my card was about to expire and a new one sent. Fast foward.... I was working on lowering the interest on all of my cards and when it came time to speak with Chase the rep told me,"I can't lower your APR because we don't make changes to closed accounts." This was a surprise to me because I hadn't closed my account. Turns out, Chase had decided they wouldn't send me a new/replacement card once the old one expired because of my 1-day late payment about 2 months prior. Nor would they keep my account open or notify me of these changes. I was so angry. I asked the rep why I never received a letter stating that my account had been closed and he simply told me they weren't required to notify me. Excuse me?? Isn't it just common courtesy to let someone know things like that. What kind of business are (some of these) people running these days?? I quickly turned all of my attention to getting the balance paid to $0.00 and vowed to never get a credit card with them again. I have another account with Chase - an auto account (which I'm currently transferring elsewhere, by the way). Whenever I call in to the office the rep on the other end always lets me know, "Hey, you're one of our best customers and you're pre-qualified for a Chase Platinum Visa!" UH YEAH.. SURE.. No thanks, I'll pass. Best Feature: Initially low APR Worst Feature: Customer Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Discover® Platinum Gas Card Provided by: Morgan Stanley Total Posts: 4 Average Rating: 4.13 Category: Reward - Gas Date posted: 7/22/2006 Review: I believe this was the best card going. While our local gas station card limits rebates to 5 cents a gallon I was getting 5% back on fuel purchases often including the cup of coffee I'd buy with my gas. In June I reeived notification that the program was being cut back to limit the rebate to the first $1200 in fuel each year. While this will still net me a savings of $60 in fuel costs it will only assist me for about four months in the year. Unfortunately with the time delay of the internet many people will have their cards in hand before they realize this. In the end this will still be a great card to use for 120 days a year (depending on fuel usage). I now have to step over to the Citi gas card for the balance of the year. Additionally, be sure to pay off the balance each month or your interest will easily eat up your savings. Best Feature: 5% gasoline or fuel rebate Worst Feature: 5% Rebate for fuel is limited to $1200 Overall Rating: 3.5 Benefit Rating: 4.5 Service Rating: 4.5 Recommend: Yes Geico Platinum MasterCard® Provided by: Merrick Bank Total Posts: 1 Average Rating: 4.50 Category: Reward - Other Date posted: 7/20/2006 Review: I wasn't going to get this card at first but the no annual fee and 0% APR inticed me. I can save money on my car insurance if I pay with this card. So far so good.... Best Feature: Can pay your car insurance Worst Feature: None Overall Rating: 4.5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Plains Commerce Bank Secured Visa® Card Provided by: Plains Commerce Bank Total Posts: 10 Average Rating: 365 Category: Secured Date posted: 8/1/2006 Review: I have had my Plains Commerce Bank secured credit card for 3 years. I, like many other people, did not understand credit and the consequences of bad credit. When it was time to take on responsibility, I could not get credit anywhere. I received my secured card a week and half after applying for it. It has been good to me ever since. I started with a $300 limit and have increased it to a $1000 limit. In two years my credit score went from 498 to 601. I don't understand why others are having problems with payments posting. There are times I send my payments via postal mail three days before the due date and never get a late fee. Also, they have online payments that post the next day. The annual fee is cheaper than most of the other secured cards. It is a really good place to start for credit. This is my last year keeping it, because I will be moving on to an unsecured card. If it wasn't for my Plains Commerce Card, I would still be paying higher interest rates on ther loans. Best Feature: not reported as unsecured and good for re-establishing credit Worst Feature: never becomes unsecure card Overall Rating: 4.5 Benefit Rating: 4 Service Rating: 4.5 Recommend: Yes Credit Card: Wells Fargo Platinum Visa® Card Provided by: Wells Fargo Total Posts: 21 Average Rating: 3.79 Category: Regular Date posted: 7/25/2006 Review: I had a fraudalent online charge picked up by the Wells Fargo computer, and because of this they quickly shut down the card. Although it was a bother to find out my card was declined, the fact the computer caught it that fast was great, and may have prevented a full scale identity theft. Best Feature: you can get $600 cash for 50000 points Worst Feature: hard to look up online points Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Target® Guest Card Provided by: Retailers National Bank Total Posts: 32 Average Rating: 3.67 Category: Retail Date posted: 7/18/2006 Review: The intrest rate will kill you if you carry a balance. They do not report your credit limit to equifax and that hurts your debt ratio. It does help you have a good payment history if paid on time. Best Feature: Getting 10% off coupons , Easy approval Worst Feature: Not reporting credit limit to equifax , High intrest rate Overall Rating: 3 Benefit Rating: 4 Service Rating: 2.5 Recommend: Yes Credit Card: American Express® Rewards Plus Gold Card Provided by: American Express Total Posts: 14 Average Rating: 4.5 Category: Charge Date posted: 7/7/2006 Review: I used a regular Green Amex back in the mid-90's but did not keep it. I did some research in '04 and decided that it would be cheaper for my wife and I to get the Gold Rewards Plus, as it gives you up to 5 cards for the $150 fee and automatic enrollment in the rewards program. I never really cared about rewards because they tend to make you spend more. As time went on we used the Amex more and Worldperks check card less, eventually moving almost all of our bills and spending to the Amex. We're billing $2000-2500/month, much of it for double points. The website makes it really easy to check charges and pay bills, plus shop for stuff with those MR points. Customer service has been great. I've had inconsiderate cashiers crack my card twice by swiping it too hard, and Amex has UPS'd me a new card overnight both times. I've also had two disputes which Amex slam-dunked for me. I just upgraded to Platinum. Best Feature: Free additional cards and Double Points Worst Feature: Merchant Acceptance Overall Rating: 5 Benefit Rating: 4 Service Rating: 5 Recommend: Yes Credit Card: Citi® Upromise® Card Provided by: Citibank Total Posts: 7 Average Rating: 4.50 Category: Reward - Other Date posted: 7/6/2006 Review: It's great to put some money away for college just by making day to day purchases. I would like more rewards. The cap is a hindrance but I barely hit those limits. 10% for Online shopping would be great. Best Feature: Additional savings of 10% on Grocery & Drugstores and 2% on Gas with NO CAP Worst Feature: $300 limit, though I have never hit that limit ($30,000 in purchases is beyond my scope) Overall Rating: 5 Benefit Rating: 4 Service Rating: 4.5 Recommend: Yes Credit Card: Discover® Student Classic Card Provided by: Morgan Stanley Total Posts: 21 Average Rating: 3.57 Category: Student Date posted: 6/29/2006 Review: I have been a Discover customer for two years. The initial credit line of $1,000 was Okay, but after two years without a credit limit increase I have closed the account. Best Feature: None Worst Feature: Low credit limit Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No 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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