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Recent Articles
Debit Cards Lack Protection that Credit Cards Offer
Don't assume that you'll get your cash back if you're involved in a debit card
dispute or fraud. Debit cards lack the consumer protection that credit cards
offer. (8/19/03)
Department Store Cards Offering More Rewards
Major department store charge cards are offering more rewards now. While reward
programs are becoming more enticing, be wary of store card interest rates. (7/09/03)
Hot Topics...Could this be true???
"The following was sent to me yesterday. I cannot vouch for its truthfulness.
It sounds very much like an urban legend, and I've deleted the name of the bank to
protect the guilty. For what it's worth, then......"
CLICK TO READ MORE!
More topics...
Guest, Union, asks "Does anyone know any banks who give credit cards with high
credit limits after year, year and half credit history.(no over limits,no late
payments) I have heard about MBNA and Fleet is that true?"
Reply from guest, Rick "Please DO NOT use MBNA. Their record of questionable
business ethics is well documented. You would be better off with a loan shark!"
Reply from guest, Sweetened "Phooey. MBNA didn't get to be the largest
credit card issuer by having a poor product. They didn't get rated #1 in customer
service for nothing. Rick wasn't meeting his minimum payments and now is griping
because of the results.Either that or he opened up numerous other accounts which
then raised his risk with the bank. In any case,it's simply a case of sour grapes.
Call MBNA. See what they have. They will not give you a card if there are any
bankruptcies in your past, though."
Guest, New Victim, asks "As of July 31st I found out that my SS# and other
ID info has been stolen. In the month of June, someone has begun to open up at
least four in-store credit accnts in my name. The listing on my credit report I
cant figure out is GRDN/CBUSA. Any ideas or how I can find out? I would also greatly
appreciate guidance in how to preserve my good (for now) credit now that someone
is using it in at least four separate acts of fraud. I have already contacted the
three national credit bureaus and instituted a fraud alert. Thanks much for your
help"
Senior Member, Verne, replies "You need to contact the Internet Fraud Center,
a branch of the FBI. I don't have the web address handy but it's easy to find.
There's an online complaint form for ID theft victims. Others to contact would
include the FTC and law enforcement. A fraud alert on the Credit Report will not
stop new lines of credit from being opened. It's really cosmetic. You should also
pressure the creditors for copies of the forged credit applications.
Law enforcement will need these to track them down."
Guest, Carson, asks "After many personal issues I have finally recovered
financially and look to become an active player in the credit game. However, I find
that credit criteria has change dramatically, and I find myself with bad credit.
My current bills are paid on time, I do have a new car loan, a checking and a Visa
card, but can't seem to get approved for anything else. Do any of you have any
suggestions where I should turn next to build up a better credit history? I opened
an account with Schewels Furniture (great if you need to establish credit!) already,
but unfortunately, most lenders says that is not enough. Any help would be
appreciated! Thanks."
Senior Member, Ira, replies "Do you have bad credit or not enough credit
history? There's a difference. If it's simply a matter of not enough experience,
just continue to pay your bills on time and build a favorable history. If you
truly have "bad" credit, it might take a bit longer to prove your credit worthiness.
Apply for department store cards. They're fairly easy to get and they allow you to
build a favorable record."
Visit our active
MESSAGE BOARD!
Ask a question, give your opinions. Select questions answered by our board monitor.
Our board currently has over 11,500 posts (since May 2000) and new posts are added
daily! We are seeking new consumers like you to become involved in our board
community.
Cardholder Reviews
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Recent Credit Card Reviews by Consumers
Like You!
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Following is a very small sample of the newest
cardholder reviews that can be found by clicking the "Consumer
Reviews" link above. We take pride in the quantity (our site
offers 11,500 + reviews of 700 different credit cards) and
quality of the consumer reviews that can be find on our site.
The cards are rated on a scale from 1 to 5, with 5 being the
highest recommended.
Credit Card: Citi Drivers Edge Visa® Gold Card
Provided by: Citibank
Total Posts: 6
Average Rating: 3.42
Category: Reward - Auto
Review: I started as a Ford
MC and with a goal of using Ford Rebate Points. Program was changed
significantly before I could accumulate points. Then an expiration was added
and max pts that could be used lowered. Students should get serious as rebate
apply only to new vehicles and you may need to wait for years to buy new. I
recently had a notice that my limit was rasied to a very large amount and
then a major change in Terms after that. Thank you...but no thanks..letter
canceling card mailed today.
Best Feature: None
Worst Feature: Constant review and term changes
Overall Rating: 3
Benefit Rating: 2
Service Rating: 2
Recommend: No
Review: I own ten credit cards.
I have found that this card is one of the few that actually performs as
stated. They have saved me thousands when my card was hacked on-line and have
also notified me when legitimate spendingf fell outside of my pattern. In
addition, they were quick to respond to accessing there promotion. While you
may get a half point better rate, you will not get any better service or
support. I rate these guys the best of the bunch.
Best Feature: Monitors for excessive or non pattern usage
Worst Feature: None
Overall Rating: 5
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Credit Card: Macy's Credit Card
Provided by: FDS Bank
Total Posts: 14
Average Rating: 2.4
Category: Retail
Review: A Class Action law suit will be filed
against Macy's for lowering customer's credit limits to lower than what
their outstanding balance is. No late payments, balance not even close to
what original limit was and no explanation.
Best Feature: None
Worst Feature: Lowers your credit limit without warning to less than what your current balance is
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Review: If you love to earn gift certificates, this
one is for you! I love those $25 GC's. For those of us who use credit wisely,
and pay off our bills in full each month this is an excellent card. I'm amazed
how many of you "suddenly" and "without warning" have mysterious charges that
appear on your card, and are all of a sudden past due and prevent you from
getting a mortgage. You really need to be responsible for your own credit and
be proactive. Get copies of your credit report, review them for accuracy
2x a year and you wont get declined by lenders.
Best Feature: Rewards
Worst Feature: None
Overall Rating: 4.5
Benefit Rating: 5
Service Rating: 4.5
Recommend: Yes
Credit Card: USAA Platinum MasterCard®
Provided by: YSAA
Total Posts: 22
Average Rating: 4.70
Category: Regular
Review: I received a call from USAA. They noticed
some charges on my card that were Questionable. I live in PA and there were
different utility charges on my card made in FL. The representative and I
weeded out all the charges and I was never held responsible for them
Best Feature: Interest rate
Worst Feature: Late fees
Overall Rating: 5
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Review: If you are a military member and don't have
this card, you are dealing with people that don't understand the nomadic
military lifestyle. USAA gives you reduced rates when you PCS(permenant change
of station) and when deployed. Awesome cutomer service!!
Best Feature: One of the lowest rates around!!
Worst Feature: Not everyone can qualify
Overall Rating: 5
Benefit Rating: 4.5
Service Rating: 4.5
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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