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: Verizon Visa® Card Provided by: Citibank Total Posts: 98 Average Rating: 1.86 Category: Student Date posted: 9/2/2005 Review: ok I guess the card is just ok. apr is a little on the high side and and customer serive is quick to give credit line increases. The card doesn't have the web site on it like all other cards. This makes it very difficult to reach anyone if you have no phone access. Best Feature: good service when reached. Worst Feature: card doesn't contain web address Overall Rating: 2.5 Benefit Rating: 3.5 Service Rating: 3.5 Recommend: Yes Credit Card: American Express® Platinum Card Provided by: American Express Total Posts: 36 Average Rating: 4.31 Category: Charge Date posted: 9/2/2005 Review: Great Card I've been a Amex cardholder since 1996. Started with the green, progressed to gold and now platinum. The best thing about this card would have to be the concierge service. Because of my busy work schedule, i barely have time to plan birthdays or anniversaries. Just a year ago, we were celebrating my son's 13th birthday. I was seriously pressed for time due to a deadline at work and had absolutely nothing planned for his birthday. I contacted American Express to see if they had any types of tickets available for ANYTHING that particular night. What they found was 2 extremely sold out tickets to see the SF Giants play at SBC park. This was the game that Barry Bonds hit his historic 700th Homerun. I was extremely floored at the fact that these tickets where two rows behind home base and that tickets were sold out months in advance. Not only did American Express give my son and I the chance to see history, they also brought him a gift basket full of toys and sports equipment during the middle of the game! This was one of the many experiences that keep me a happy, loyal Amex customer. Best Feature: Prestige, No spending limit Worst Feature: High annual fee Overall Rating: 5 Benefit Rating: 4.5 Service Rating: 4.5 Recommend: Yes Credit Card: Emerge MasterCard® Provided by: Providian Total Posts: 310 Average Rating: 1.10 Category: Regular Date posted: 9/1/2005 Review: Company so bad it borders on criminal Horrible companny. Was switched to them, without my knowledge or consent, by First National Omaha. When I discovered I'd been switched, I phoned eMerge to do a direct transfer from my checking account to pay my balance and close the account. Months later I received a bill from them, with numerous late fees and a fee for an insufficient funds check written in the amount of $66.00. Apparently the account was not closed, as I had been assured it would be, and now I was getting late fees for bills I'd never received, plus an NSF fee for a check I'd NEVER sent. I sent them a letter explaining the situation, and 6 weeks later when I'd received no response, called them. You can't get through their phone system to complain, so I lied and said I'd lost my card in order to get to talk to a customer service rep. She was no help. Insisted that I'd sent an NSF check, removed only one late fee, and said there was nothing that could be done to write my credit rating. In variious fees, I owed over $100 on an account that I was told was closed. Unbelievably bad company. If you get switched to them, close the account immediately, and pray that they've actually closed it. Best Feature: NO good services Worst Feature: Numerous, including improper fees, non-existant customer service. Bad beyond belief. Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: AAA Platinum Plus Visa® Provided by: MBNA Total Posts: 33 Average Rating: 2.32 Category: Regular Date posted: 8/31/2005 Review: RUDE CUSTOMER SERVICE REPS AND UNFAIR LATE FEES I received my first bill while I was on vacation. When I returned, since the bill was due the next day, I tried to pay by phone, but there is a $15.00 charge to do so. I called customer service the next morning and I was told by an extreemely rude woman that I should have paid by phone because now it was going to cost me a $29.00 late fee. I told her that I thought they could cut me a little slack since it was my first bill and this situation was out of my control. I had no luck and closed my account. AAA PLATINUM PLUS VISA is a RIP-OFF!!!! Best Feature: one customer service rep. Worst Feature: everything else Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Visa Duet Provided by: SELCO Community Credit Union Total Posts: 1 Average Rating: 5 Category: Regular Date posted: 8/31/2005 Review: Best CSR around ! Have had an account for seven years now, never a late payment and always a lor APR! I would recommend this for everyone. Springfield, Oregon Best Feature: Lowest interest rate Worst Feature: none Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Plains Commerce Bank Total Visa® Card Provided by: Plains Commerce Bank Total Posts: 148 Average Rating: 3.35 Category: Poor Credit Date posted: 8/31/2005 Review: Satisfied Total Visa Customer I am thankful that Total Visa gave me the chance to rebuild my credit right after bankruptcy. I have learned a valuable lesson after damaging my credit. Total Visa is good as a beginner card. The APR fees are very high. I like the free online payment. Best Feature: Easy Online Application & Approval Worst Feature: High APR fees Overall Rating: 4 Benefit Rating: 2.5 Service Rating: 3 Recommend: Yes Credit Card: Gap Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 19 Average Rating: 1.18 Category: Retail Date posted: 8/31/2005 Review: Not Convenient I find this card very inconvenient because you cant make a payment in the store. In addition, their website isn't the best to navigate if you need to make online payments. I, personally think the easiest method to pay bills is either online or the ability to make a payment in the store. "Snail mail" is definately not my idea of convienient. Best Feature: The 10% off specials. Worst Feature: Can't make payments in store. Overall Rating: 1.5 Benefit Rating: 3 Service Rating: 4 Recommend: No Credit Card: Sears Gold MasterCard® Provided by: Citibank Total Posts: 159 Average Rating: 1.90 Category: Regular Date posted: 9/2/2005 Review: Wow watch the interest fees. I have had a sears mastercard for over 5 years now, and all of a sudden they explain to me they are going to help me pay off my balance quicker. You have to be kidding, thats the new policy(its on their website). My payment is up by $70.00 a month, with no warning, apparently I didn't opt out of this WONDERFUL service. I will find a another card to transfer to and close my account. Sears has been a favorite store of mine for 30 years,but no more. I wish I could find out if this prctice of "hellping" is legal? Best Feature: nothing Worst Feature: credit card nightmare Overall Rating: 1 Benefit Rating: 1 Service Rating: 1.5 Recommend: No Credit Card: Orchard Bank MasterCard® Classic Provided by: Household Bank Total Posts: 186 Average Rating: 3.33 Category: Poor Credit Date posted: 8/24/2005 Review: low/no fees, great cust. service, raised my limit they raised my limit after 6 mos. without me even asking. i'm grateful they gave me this card. the fees seem low-- i expected them to be even higher. payments are processed promptly. paying online is super easy. i have no problems with this card & will probably keep it a long time! Best Feature: low/no fees, great cust. service, raised my limit Worst Feature: no problems Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Bank of America Visa® Classic Provided by: Bank of America Total Posts: 49 Average Rating: 2.67 Category: Regular Date posted: 8/29/05 Review: This card is useless... and so is Bank of America! I got this card when my NationsBank Visa got bought out by Bank of America. This was after NationsBank bought out my original Boatmen's Bank Visa. I tried to convert my BOA Classic to a different card and they wanted to charge me a $25 annual fee for the Platinum. Well, if you look on their website their is no annual fee for that card! They tried to rip me off! Also, they have never, and I mean NEVER given me a credit limit increase unless my other credit card (CitiBank) has given me an increase. What, they don't trust me with money?!?!? I've NEVER paid late! Best Feature: It's a credit card. Worst Feature: No rewards, high APR. Overall Rating: 2 Benefit Rating: 1 Service Rating: 1.5 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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