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: HSBC Standard Mastercard Provided by: Orchard Bank Total Posts: 3 Average Rating: 3.33 Category: Regular Date posted: 8/17/2005 Review: I went to a large, expensive college and in turn messed up my credit from trying to pay tuition. I have tried over the last 4 years to pay my remaining obligations in a timely manner. I have one credit card with a $500 limit that I use sparingly. I really didn't want another card for fear of debt but my husband and I would like to buy a house in a few years. I researched cards and thought this card had considerably less fees the First Premier. I was surprised when I was approved. I was even more surprised by my credit limit. I thought it would be around $300. Imagine my surprise when I opened the envelope and my limit was $750. I have used a few hundred dollars of my credit limit to pay some household bills. I will pay the entire balance when due from my household budget. My annual fee is only $59 and I was not charged an application fee. The only thing I dislike is that Orchard Bank would not let me put an authorized user on my account. They did inform me that I could apply with a co-applicant, which I will probably attempt in a few months. Best Feature: Easy approval, decent APR, low fees Worst Feature: No authorized user allowed Overall Rating: 4 Benefit Rating: 3 Service Rating: 4 Recommend: Yes Credit Card: Juniper MasterCard® Provided by: Juniper Bank Total Posts: 36 Average Rating: 3.17 Category: Regular Date posted: 8/14/2005 Review: I am the type of credit card holder that pays in balances in full and has excellent credit. Juniper credit card slammed me with a late payment fee even thought my payment was sent before the due date. The rep I spoke to and the supervisor refused to give me a one-time courtesy credit on a late fee even though I'd been a good customer for 3 years. Shop around if you have good credit; you can do better. Best Feature: no annual fee Worst Feature: Very poor customer service Overall Rating: 2 Benefit Rating: 1.5 Service Rating: 1 Recommend: No Credit Card: Discover® Platinum Card Provided by: Morgan Stanley Total Posts: 263 Average Rating: 3.55 Category: Reward - Cash Date posted: 8/11/2005 Review: I don't have a lot of experience with other cards and I've only had my Discover for five years, but my experience has been very positive. My wife and I use our card for all our purchases and pay the balance every month. Last year we made $500 in cash back and had no finance charges. I certainly don't have any complaints about receiving $500 free! The only negative comment I have about the card is the constant solicitation to enroll in new and costly programs. This is generally only an inconvenience though. If you don't incur finance charges, I think this is a very good card. Best Feature: Rewards Program Worst Feature: Harassment about promotions Overall Rating: 5 Benefit Rating: 5 Service Rating: 4 Recommend: Yes Credit Card: AT&T Universal Platinum MasterCard® Provided by: Citibank Total Posts: 162 Average Rating: 2.62 Category: Regular Date posted: 8/15/2005 Review: AT&T lures you in with a low interest rate. After I carried balances from other ccards they increased my interest rate. Due to my excellent credit my interest was only 5.25% and for months they raised and raised the interest until I finally cancelled. The interest was at 14.24% - WOW I went back to look month after month they would increase the percentage. OUTRAGEOUS, I tried to talk to them since I dont like to move around. But they were rude, I insisted that it was not until I carried a huge balance that they started raising my interest. My payments were only paying interest and would merely deduct from my balances. This ccard has been know to scam people, they run your credit every single month to try and find you missing a payment so they can raise your interest. This company is greedy and does not care about its customers. Best Feature: NONE Worst Feature: INTEREST RATE, CUSTOMER SERVICE Overall Rating: 1 Benefit Rating: 1 Service Rating: 1.5 Recommend: No Credit Card: First National Bank of Marin Visa® Gold Card Provided by: First National Bank of Marin Total Posts: 20 Average Rating: 2.65 Category: Regular Date posted: 8/12/2005 Review: I originally got this card to help with a vacation that I was planning. My payment day was on the 17th of every month, the next month it was on the 15th, then the 12th etc... Now I just sent in a payment and my balance was $75.00 over my credit limit because their due date kept changing. Watch your receipts very closely!!! Best Feature: easy to get Worst Feature: billing cycle Overall Rating: 1.5 Benefit Rating: 2.5 Service Rating: 1 Recommend: No Credit Card: Eddie Bauer Credit Card Provided by: World Financial Network National Bank Total Posts: 4 Average Rating: 1.75 Category: Retail Date posted: 8/8/2005 Review: My mother got an E.B. credit card as recommended by the store associate to save 10% on her days' purchase last November. E.B. or more specifically, World Financial Network Natonal Bank never sent a statement. Here it is, 10 months later and WFNNB is finally calling her, asking her to pay the bill. Mind you, they STILL have never sent a statement and they request her social security number. In today's environment of identity theft, I'd think it would suffice to have her name and address and to have contacted her by phone. Also, they want the $25 late fee and this may affect Mom's credit rating, which has always been impeccible. Mom is happy to pay what she owes, but she wants a copy of the statement showing what was purchased and when and for how much. Is that too much to ask? Best Feature: None Worst Feature: WFNNB Customer Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: President's Choice Financial MasterCard® Provided by: President's Choice Financial Total Posts: 8 Average Rating: 4.31 Category: Foreign Date posted: 8/8/2005 Review: this card and the services are awesome. i have hads many many cards, through banks or otherwise and this had been the best. i would recommend this to anyone, and for those with a pc bank account and credit card, life is made very easy. Best Feature: they increase your limit without you having to ask Worst Feature: none i have come accross Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Citi® Platinum Select® Card Provided by: Citibank Total Posts: 200 Average Rating: 3.33 Category: Regular Date posted: 8/5/2005 Review: I have been a customer for over 8 years, the low interest rate and no annual fee were the original attraction. Since Feb of this year, my interest rate has slowly, then dramatically increased. My latest statement had a whopping 30.24%. I just got off the phone with their service professional and requested a reason why and to lower it. She stated that the lowest she could go was a variable 14.15%....Not as low as I'd like and deserve. I agreed to it, but will be shopping for a new card. I've dealt with them 4 times this year to catch creeping interest rates in check. Best Feature: none right now Worst Feature: Interest Rate Overall Rating: 1.5 Benefit Rating: 1 Service Rating: 2.5 Recommend: No Credit Card: The Shell MasterCard® Provided by: Citibank Total Posts: 1 Average Rating: 5.00 Category: Reward - Gas Date posted: 8/4/2005 Review: I have had absolutely no problems with this card. With today's high gas prices 5% off on gas is a big help. I enjoy getting the gas rebate every month instead of waiting for an annual rebate, etc. Customer service has always been polite and efficient. I've personally calculated my rebate every month to compare with theirs and theirs is always correct. If there is any drawback it's not with the card, it's with Shell as their gas is always at a premium compared to other competitors. Best Feature: 5% off on Shell gasoline Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Capital One Platinum MasterCard® Provided by: Capital One Total Posts: 30 Average Rating: 2.50 Category: Regular Date posted: 7/31/2005 Review: this card is great, its convienient for those who dont like to catty a lot of cash, and with the ever popular electronic funds checking system it just makes it that much easier Best Feature: i hate to carry cash Worst Feature: i keep forgetting my pin, and sometimes it wont scn in the atm Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 3 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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