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: BMW Platinum Visa® Card Provided by: BMW Bank of North America Total Posts: 7 Average Rating: 1.71 Category: Regular Date posted: 8/21/2007 Review: I purchased a BMW 330Cic last year and decided to get the BMW Platinum VISA Card. I was approved for a 12,500 credit line (the max is 15000) and received the card. I had it in my desk for about 3 weeks and was planning a trip to southern Florida and went online to check out my account and found my available credit to be $0. When I called customer service, they indicated I needed to fax in a copy of my electric bill for address verification and it should take 24 hours to release the hold and restore my available credit. 5 days went by and still nothing completed, I was calling daily to no avail. On the Friday, I was told the only person who had the authority to resolve my issue was out until the following Tuesday, I was not a happy camper and let them know. I then received the letter indicating they required an address verification, which I had already provided. After almost 2 weeks, they indicated I no longer qualified for the card and that they were closing my account. I was ready to close it myself, they are horrible. I indicated I was glad I had financed my BMW with my credit union! I got rid of the BMW and the card - got a MB and a Lexus VISA Signature with twice the limit and awesome customer service. Drive the car, finance with your bank or credit union and don't use the BMW card. Best Feature: It Looks Cool with the BMW Logo Worst Feature: The Card and the Bank Overall Rating: 1 Benefit Rating: 3 Service Rating: 1 Recommend: No Credit Card: Discover® Card Provided by: Discover Total Posts: 181 Average Rating: 3.07 Category: Reward - Cash Date posted: 8/18/2007 Review: Discover refused my request to take a charge off of my card, even though the merchant never delivered what I had ordered. The "customer service" guy offered no help at all. I got the impression that his job is to make you hang up the phone. He would would not process my dispute and just kept talking in a patronizing tone. You are far better off disputing a charge with with a trusted local bank. The sad fact is that their 1-800 customer service people talk off of a script and are only there to delay or deny you from talking to someone at the company with a brain - who apparently have no interest in talking to you anyhow. Credit cards work fine until someone tries to screw you over, and then the only thing that matters is how responsive and responsible the credit card company is. Get your credit card elsewhere, because Discover isn't the company that's going to help you. Best Feature: It's plastic and small. Worst Feature: Customer service is very poor Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Pulaski Bank Gold MasterCard® Provided by: Pulaski Bank Total Posts: 9 Average Rating: 2.61 Category: Regular Date posted: 8/15/2007 Review: I was offered 0% on balance transfers over the phone. After transferring the balance, Pulaski Bank reneged and bumped the APR to 10%. After demanding an explanation, Pulaski blamed the customer service rep at an outsourced call center, stating that the rep who quoted me the 0% APR was "technically" not a part of their company (even though the rep handled customer service calls for Pulaski). Very poor trustworthiness and low integrity on the part of Pulaski. Best Feature: None Worst Feature: Customer Service Overall Rating: 1 Benefit Rating: 1.5 Service Rating: 1 Recommend: No Credit Card: Citi® Dividend Platinum Select® Card Provided by: Citibank Total Posts: 84 Average Rating: 4.13 Category: Reward - Cash Date posted: 8/11/2007 Review: This has to be one of the better cards on the market even with the new lower rebates. When you compare all of the other cards which I did just recently because I wanted to add another card to my wallet I really could not find anything that came close. Yes others offer bigger rebates for the short term but over all in the end are no better. I have been with Citi for 17 years and they go out of their way to keep you as a customer. As far as the constant calls go all you have to do to stop them is call customer service and request that they do not call your for product solicitation. The only negative I have about the company at all is that when ever you call customer service that you are asked every time if you want to join their credit protector program. I have no plans now or in the future to ever leave this company. As for my second card I got the Discover More card. There are a few months a year you can use this card for 5% on gas. I plan to take advantage of the 5% categories through the year and then use Citi for all else. Also with the Discover you have to take the rebated in increments of 20.00 if you have 24.00 you can only take 20.00. With Citi if you have 50.00 or more you can take what ever is in your account. Best Feature: Good Rewards and Great Customer Service. Worst Feature: Pay Pass Key Fob it promotes possible theft of your keys. Overall Rating: 5 Benefit Rating: 4.5 Service Rating: 5 Recommend: Yes Credit Card: Advanta MasterCard® Business Card Provided by: Advanta Total Posts: 27 Average Rating: 1.63 Category: Business Date posted: 8/6/2007 Review: I've never written a review of anything before but I've had such a terrible experience with the Advanta card that I wanted to warn others. They mail out the statements so late that it's almost impossible not to get a late fee. They add them on, month after month. For four months I have been trying to quit the card, paying it off. Every month they say I owe more. Last month I was so angry that I asked to speak to a supervisor and asked precisely the amount left to pay it off if I put a check in the mail that day. I got the figure and I wrote the check and went straight to the mail box. Guess what I just got a letter with another late fee. I just talked to a supervisor. She said she undertood why I was angry but couldn't do anything about it. Best Feature: none Worst Feature: late fees Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Wired Plastic™ Prepaid Visa® Card Provided by: BANKFIRST Total Posts: 20 Average Rating: 3.45 Category: Pre-Paid Date posted: 8/4/2007 Review: I have had my Card now for 6 months and I love it - no worry or hassles. I load it weekly and never have an issue where I can't spend all of the money on it. Example, yesterday I had $18.17 on it and I spent $18.00 at the grocery store - not one problem with it. I never have a problem with customer service. I had an authorization on my account that the bill collector never processed; after 15 days it was return to me ($258.00 that I got back). I love how it will text you when you use it and I have never had a problem with their online service. Thanks wired plastic for having such a great card. Best Feature: everything about it is great Worst Feature: ??? Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Capital One® Visa® Platinum Card Provided by: Capital One Total Posts: 31 Average Rating: 2.89 Category: Regular Date posted: 7/28/2007 Review: Had a 7.9% rate. They raised it to 12.9% for no reason. Guess what? I transferred a hefty balance and instead of earning $120 a month, Capital One will get nothing! Best Feature: It was low interest Worst Feature: astronomical interest rate hike for no reason Overall Rating: 2 Benefit Rating: 2 Service Rating: 1.5 Recommend: No Credit Card: AirTran Airways A-Plus Signature Visa® Card Provided by: Juniper Bank Total Posts: 10 Average Rating: 2.85 Category: Reward - Airline Date posted: 7/18/2007 Review: I signed up for this card in April in order to get the 8 bonus AirTran Points. I have been trying since May to get all of my points transferred, I have 5 points due. I have e-mailed 6 or 7 times and I have called 5 times. Everyone at Juniper agrees that they owe me points. They are "just having technical difficulties tranferring the points", and are "investigating" the problems. These people are at best totally incompetent, or at worst running a scam. Avoid this card! Best Feature: Points add up quickly Worst Feature: Impossible to get correct number of points transfered to AirTran Overall Rating: 1 Benefit Rating: 5 Service Rating: 1 Recommend: No Credit Card: Target® Guest Card Provided by: Retailers National Bank Total Posts: 43 Average Rating: 3.69 Category: Retail Date posted: 7/15/2007 Review: After having the card since April of 2005 my husband has finally been upgraded to the Target Visa without him asking. The limit was increased from $500 to $1000. The interest rate on the card is high, but we will just pay the account in full or most of the balance to avoid high charges. I love target! Best Feature: No annual fee Worst Feature: interest rate Overall Rating: 4 Benefit Rating: 4.5 Service Rating: 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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