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: Sears Gold MasterCard® Provided by: Sears Total Posts: 111 Average Rating: 2.01 Category: Regular Date posted: 7/22/2004 Review: I made the mistake of short paying by $1. I paid $60 instead of the $61 due. So I was charged a $35 late fee and turned over to the collections department. Do they really need to treat everyone as if they are dead beats. A one dollar mistake and you would think I have never apid my account and owe them a million dollars. The 1st person Vicki in the Greensboro center has to be the all time rude person of the year. I aksed to speak with a manager over 20 times and was told I did not need to speak to one. After hanging up and calling back and speaking with another 3-4 people I was able to speak with someone that was willing to correct. I also escalted to the Presidents office 800-323-9396 that helped to resolve the problems. Bottom line these people lie about everything, keep notes of everone you talk with dates and times. Best Feature: None Worst Feature: Customer Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Macy's Credit Card Provided by: FDS Bank Total Posts: 22 Average Rating: 1.91 Category: Retail Date posted: 7/22/2004 Review: This card is horrible and the customer service department, or should I say what service, they leave you on hold for 10 minutes and then would not even help due to the fact my husband is the main card holder. They left a message on our phone the end of June to call back. My husband advised them we never got our new cards. They mailed out new cards and we activated them. On July 22 I went to use the card they refused the purchase, called Customer Service and they said your cards have a block on them and we can not speak to you because you are not the main card holder. What a policy I can use the card all over, pay your bill but they can't speak to me. After being put on hold for 10 minutes and a new customer service rep, they said oh we see your husband did call in June we will now activate your card which by the way I had a large amount of credit becuase I overpaid my bill. I would never tell anyone to apply for this card, time and time again it was a overall horrible experience dealing with them. Best Feature: none Worst Feature: Put block on card never advised Overall Rating: 1 Benefit Rating: 2 Service Rating: 1 Recommend: No Credit Card: Orchard Bank MasterCard® Secured Provided by: Household Bank Total Posts: 9 Average Rating: 3.50 Category: Secured Date posted: 7/1/2004 Review: This card has helped my credit in 3 months I have gone from a fico score of 580 to a score of 675. This card is great Best Feature: Bill is sent on time Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Verizon Visa® Card Provided by: Citibank Total Posts: 77 Average Rating: 1.80 Category: Student Date posted: 7/20/2004 Review: I have not had any problems with this card, minus the website being down a great deal of time. If you pay your required amount due each month you won't get fees/apr increase. Credit cards companys have to make money somehow. Can you imagine if there were no consequences to non-payment? Nobody would bother to pay their bill. This card has a decent apr and they have gave me a credit limit increase several times. I am 21 and this card has really helped me out in many ways. I would recommend this card. If you understand how credit works and the importance of making your payments on time. You will be just fine. The only thing I find really annoying is when you call to make a change of address or something simple like that-the rep on the phone, trying to sell you something you don't want. If I say I'm not interested lets leave it at that. Okay? Best Feature: Increases limit with time/decent apr Worst Feature: website is impossible to find & is down half the time anyway. Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 4 Recommend: Yes Credit Card: Chase PerfectCard™ Platinum Visa®/MasterCard® Provided by: Chase Total Posts: 7 Average Rating: 4.21 Category: Reward - Gas Date posted: 7/13/2004 Review: The Chase Perfect Card is a great card for those individuals who pay off their balance every month and tend to use a lot of gasoline. The 3% gas rebate (6% teaser for the initial 90 days) is certainly helpful now that gas prices are up. The rebate is automatically applied to you next payment so you reap immediate rewards instead of waiting a year to cash in on your accumilated rebates. The only complaint I have is that the Chase website is not the most informative in the industry. The MBNA web site is much more intuitive and lets you see temporary authorizations against your card. Chase makes you wait until the transaction has cleared before you see it. Also there is no credit card protection system offered like Verified by VISA or ShopSafe. Best Feature: Good rebate structure with no need to carry a balance Worst Feature: Internet account information site is rudimentry. Overall Rating: 5 Benefit Rating: 5 Service Rating: 4.5 Recommend: Yes Credit Card: Discover® Platinum Card Provided by: Morgan Stanley Total Posts: 257 Average Rating: 3.53 Category: Reward - Cash Date posted: 7/19/2004 Review: Attracted by the 0% one year balance transfer ad, I opened a Discover card account this past February and transferred over several thousand dollars of debt. Great right - an interest free way to pay off balances over a year? Wait. Got several calls from Discover asking why I wasn't using the card and telling me about the 10% cash-back deal on groceries though the end of June. Sounds good, I thought, so I started using my card for grocery purchases. Ran up about $250 in charges and paid much more than that on my monthly bill. On recent bill I noticed a finance charge. Called Discover and asked what gives: I paid off all new balances and have a 0% deal on the rest through 2/05! Well, they replied, all payments get credited toward the lowest apr rate first. What?? you're telling me I can't pay off the $250 in groceries until I first pay off the several thousand dollars in balance transfers first and I'll incur finance charges until I do so? That's right. But Discover called me and induced to start using my card for the 10% cash back deal! We're a business, they responded. Unbelievable! Best Feature: cash back deal Worst Feature: Deceptive practices Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: First PREMIER Bank Gold MasterCard® Provided by: First PREMIER Bank Total Posts: 37 Average Rating: 2.43 Category: Poor Credit Date posted: 7/16/2004 Review: I just got word that I was approved for this card. I have read all of the posted reviews and have this to say. I know of 2 people who alsp have this card. 1 of them has made one payment and let the card go, now First premier Bank wants their money. The second person is using the card very well with no problems. I think that if you keep up your payments, you will be okay. You were the one who screwed up your credit to begin with. This is now the price you need to pay to rebuild your credit. I feel it's a start and a small price to pay for something that can help you in the future long run of things. Think of all you can do with good credit in the future. Best Feature: The chance to repair your credit Worst Feature: The high fees Overall Rating: 3.5 Benefit Rating: 1 Service Rating: 3.5 Recommend: Yes Credit Card: Washington Mutual Bank Card Provided by: Washington Mutual Total Posts: 19 Average Rating: 4.11 Category: Debit Date posted: 7/17/2004 Review: I have been with WAmu since they opened a branch in my town square 6 yrs ago. I was so annoyned by my other bank that would charge me 1st for overdrawing, and secondly for everyday that I remained overdrawn. Wamu simply charged me a much smaller overdraft fee, with no penalty for remaining overdrawn. This year wamu started "wamoola". that works like this: you designate a school of your choice that you want to benifit, when you use your card for purchases,you earn points. these points get converted to cash and presented to the school at the end of the school year, along with the other points earned by other people who have this. and its simply great! i have 2 kids in elementary school and even if you dont have kids its still great to help the schools out. when i phoned, wamu even asked if i wanted them to recomened a needy school. Great people, great value, and less fees! Best Feature: wamoola for schools program Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: People's Bank Visa® Card Provided by: People's Bank Total Posts: 40 Average Rating: 1.86 Category: Regular Date posted: 7/18/2004 Review: They say they mail the statements on the 18th of the month. I get the statement close to a month later. The customer service reps say they will remove the extra charges. I pay the bill in full, and see late charges and interest on the next bill. I call them back and the customer service rep says all extra charges removed, then I get another bill .... wrote to the HQ 3 times and no response. This is the WORSE credit card company. Total RIP OFF. Best Feature: none Worst Feature: customer service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Radio Shack Credit Card Provided by: Citi Commerce Solutions Total Posts: 3 Average Rating: 2.33 Category: Foreign Date posted: 7/16/2004 Review: I used this card to purchase a laptop for my son and was able to take advantage of a limited time offer that saved me over $200 as well as giving me one year to pay with NO interest. Though, the interest would have been phenominal if it had not been paid before then. Of course it is always a wise idea to understand the ways of any kind of credit, they don't just "give it away" after all. This is a company not a charity. But any informed consumer can take great advantage of these oppurtunities. I also use the card on a regular monthly basis for all kinds of needs and especially batteries (saving 10%) and then pay off the balance each month. This card is not for the novice, but allows huge savings for the credit savy. Best Feature: defered interest Worst Feature: high interest rate Overall Rating: 5 Benefit Rating: 5 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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