Because of Nordstrom's impeccable service, online flat shipping rate, and wonderful selection, I do about 95% of my shopping
in their stores. And for this they choose to reward me even further with bonus points, gift certificates, services, and
frequent flyer miles. Unbelievable! There is no reason in the world to carry any other card.
I will be loyal to Nordstrom's for life.
Best Feature: Rewards/Levels
Worst Feature: None!!!!
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: Discover® Platinum Card
Provided by: Discover
Total Posts: 268
Average Rating: 3.54
Category: Reward - Cash
Date posted: 7/7/2007
Review:
If you could only have one card this is the one to get.
I have been a cardmember for over 20 years and they are very liberal with payment due dates. I was surprised to read the
review by Chris because many times I have forgotten to mail the payment till the day it was due and never received a late
charge or interest. Matter of fact I once called two days after the due date to let them know I had forgotten and they told
me they would reverse any charges! I make over $600 dollars a year in rebates since I use it instead of my companys AMEX
since they don't care.
Best Feature: Good old fashioned customer service. Great cash back offers.
Worst Feature: none
Overall Rating: 5
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Credit Card: Target® Visa® Card
Provided by: Retailers National Bank
Total Posts: 70
Average Rating: 2.36
Category: Reward - Retail
Date posted: 7/5/2007
Review:
I have had my Target Card for 3 years now and have not had any problems with it. I have read many reviews that slam Target
and their customer service, but I have had an overall positive experience. Please don't blame Target for your credit history.
New accounts, late payments, and requests for credit increase your overall risk and justify Target to take action to protect
itself. Please read your card holder agreement. Also, when they raise your APR you always have the option to close your
account and keep your old rate. Please read the information sent to you before blaming the big bad company!
This card works best for me because I use the 10% off and I pay it off every month.
Best Feature: Helpful customer service
Worst Feature: Low Credit Line / High rates
Overall Rating: 3.5
Benefit Rating: 3
Service Rating: 5
Recommend: Yes
Credit Card: Wells Fargo Visa® Gold Card
Provided by: Wells Fargo
Total Posts: 4
Average Rating: 2.25
Category: Regular
Date posted: 6/29/2007
Review:
I had this card for many years and used it responsibly, but when I got into a dispute with a merchant that did a bad job on
my car, the dispute resolution was terrible. First, they credited the money back to my account. I sent them loads of pictures
and paperwork, but they didn't look at the whole situation and on a technicality made me responsible for the bill. I called
them to appeal, but they wouldn't call me back. It took them nine months to put the amount back on my account. On which I was
in shock, because I had thought it was behind me. They gave me a fifty dollar credit because it took them so long, but that
was only because of a law. They can do that to your account just like that! I strongly recommend that you don't get this
card.
Best Feature: Cash Back
Worst Feature: Dispute Resolution
Overall Rating: 1
Benefit Rating: 3
Service Rating: 1
Recommend: No
Credit Card: Bank of America WorldPoints Platinum Plus MasterCard® Credit Card
Provided by: Bank of America
Total Posts: 10
Average Rating: 3.55
Category: Reward - Other
Date posted: 6/27/2007
Review:
I opened the card with MBNA in 2001 with a fixed rate of 5.9% and never missed a payment. My credit score is above 700 and
when I purchased my 2nd home in the last year we put some home repairs on the card. Putting the repairs on the card brought
the card to about 95% of the available balance that we plained on paying over the next 6-8 months. We just received a letter
from Bank of America that our rate was going up to 12%! It stated it was due to my credit but when I repulled my credit my
score was 720! It is just a scam to raise people's interest rate when you use the the available credit.
I will never open anything with Bank of America again!
Best Feature: online access
Worst Feature: rate change
Overall Rating: 3
Benefit Rating: 3.5
Service Rating: 1.5
Recommend: No
Credit Card: Blue from American Express®
Provided by: American Express
Total Posts: 208
Average Rating: 3.72
Category: Regular
Date posted: 6/15/2007
Review:
I had the Blue card for about 8 years and it was great for almost 5 of those years. I never had a late payment to them and my
credit score is 824, but they still increased my rate from 9.99% to 27% due to a review of my husband's credit history. All
of my cards have always been paid on time and the card is an individual account - my husband is not on it. That was not
right. It is my longest held card and I keep it but do not use it due to the APR.
Best Feature: Customer Service in Distinguishable English
Worst Feature: Rate Increases
Overall Rating: 3.5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: First National Bank Platinum Edition Visa® Card
Provided by: First National Bank of Omaha
Total Posts: 9
Average Rating: 2.44
Category: Regular
Date posted: 6/14/2007
Review:
I have has this card for 5 years. I have never had any problems and have the same APR as when I first signed up. Rewards
program was added to my card and the APR never changed. I think it is a pretty good card with no gimmicks, etc.
Best Feature: Low APR
Worst Feature: none
Overall Rating: 4
Benefit Rating: 4
Service Rating: 4
Recommend: Yes
Credit Card: Chase Freedom Card
Provided by: Chase
Total Posts: 17
Average Rating: 2.47
Category: Reward - Gas
Date posted: 6/8/2007
Review:
Easy to redeem 1% to 3% cash back on purchases. "Wave" and pay feature built in but not available everywhere.
The interest rate is way higher than any other card I carry. Be sure to not carry a balance if you get a similiar high
interest rate.
I use the card in place of using a debit card. I use it for gas purchases when I max out my 5% returns on my two other gas
cards.
Best Feature: 3% Cash back on gas and fast food
Worst Feature: High Interest rates
Overall Rating: 3.5
Benefit Rating: 4.5
Service Rating: 3
Recommend: Yes
Credit Card: Juniper Visa® Card
Provided by: Juniper Bank
Total Posts: 4
Average Rating: 1.13
Category: Regular
Date posted: 4/20/2007
Review: Even though I paid on time and over the minimum every month they treated me terribly. I
took a cash advance one month and they immediatly lowered my credit line by $2,000. This advance was at a casino so I was
then lectured on the bad habits of gaming. Adults should be treated as adults and allowed to use their credit for however
they choose providing they pay in a responsible manner. If you need a strict father figure in your life choose this card!
Best Feature: none
Worst Feature: customer service is implorable
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
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