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 19,000 reviews of 956 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: Nordstrom Platinum Visa® Card Provided by: Nordstrom Bank Total Posts: 15 Average Rating: 5.00 Category: Reward - Retail Date posted: 7/14/2007 Review: 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 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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