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: American Express® Rewards Gold Card Provided by: American Express Total Posts: 9 Average Rating: 4.89 Category: Charge Date posted: 11/02/2005 Review: Reputable Company: AMEX customer service is responsive and treats me well. I've really come to recognize this recently as my other card companies have increased my APR, changed my fixed rate to an adjustable and generally provide poor customer service by treating me as if they are suspicious of my statements. I've earned my good credit through responsible spending and payments; I don't like to be treated suspiciously by the CSR. AMEX is reputable, straight forward and receptive to my inquiries. Best Feature: AMEX professionalism and integrity Worst Feature: Personal Peeve - Lower the redemption points Overall Rating: 4.5 Benefit Rating: 4 Service Rating: 4.5 Recommend: Yes Credit Card: Chase Platinum Visa® Provided by: Chase Total Posts: 2 Average Rating: 1.00 Category: Regular Date posted: 11/02/2005 Review: Chase has damaged their reputation with me: I've maintained a balance with MBNA for about 12 months and I pay more than the minimum each month and have not been late or missed a payment even once. My credit score is very good. Found out MBNA increased my APR from 8.99% to about 25.99% due to 'inconsistent payments' Each month MBNA makes money by lending to me with A+ credit. I paid the balance off before the next month and closed the account. With my credit and assets, MBNA is not doing me a favor by lending me money, I'm doing it a favor by borrowing at nearly 9%. The day I see a credit card company sticking it to me as if I was a terrible credit risk is the day I close the account. Best Feature: Convinced me not to use MBNA again very quickly Worst Feature: Huge APR increase -- Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: GM MasterCard® Provided by: Household Bank Total Posts: 84 Average Rating: 2.83 Category: Reward - Auto Date posted: 11/02/2005 Review: Credit reporting detriment to cardholder: I have a GM Extended Family Card. I pay my statement on time and in full. I have never paid any interest confirming what was just said. As a result of my paying my bills on time and in full, the Interest they show on my account is just under 20 percent. This is higher than their advertised rate. They issued me a platinum card with a $10,000.00 line of credit. This would contradict their assessing me as a poor credit risk if they gave me this $10,000.00 line of credit. It is almost impossible to contact anyone at the GM Card who can be of any help or offer a valid explanation. I have had about 2 instances where their fraud section "flagged" my account when I dealt with one certain company. Best Feature: none Worst Feature: Customer service offers no or little help Overall Rating: 2 Benefit Rating: 2 Service Rating: 2 Recommend: No Credit Card: First National Credit Card Provided by: First National Bank Total Posts: 156 Average Rating: 1.23 Category: Poor Credit Date posted: 11/01/2005 Review: Do not get: I got this card in the mail and it seemed to good to be true, so I went to the BBB. This is the link so those of you that want to know why I chose not to use this card can see: http://worf.usshurdman.com/~vegas/commonreport.html?compid=47037 I would look here if I were you and read what they have to say. I hope that this company gets destroyed and falls out, because I don't want anymore of their cards. I hope no one else gets suckered into this as I can see others on this board have. Best Feature: There are no features on this card Worst Feature: everything Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Bank One Platinum Visa® Card Provided by: Bank One Total Posts: 18 Average Rating: 2.11 Category: Regular Date posted: 10/28/2005 Review: OSU Platinum VISA: Have had trouble with receiving a new card when the current one expires. Interest rate too high! Best Feature: Oklahoma State University logo available Worst Feature: HIGH Late Charge; Weekend due dates not carried until following Weekday Overall Rating: 3 Benefit Rating: 3 Service Rating: 3 Recommend: Yes Credit Card: Verizon Visa® Card Provided by: Citibank Total Posts: 99 Average Rating: 1.85 Category: Student Date posted: 10/28/2005 Review: This Card is a Nightmare: I got this card when I was 18 for college purposes. I used the card and payed my payment on time every month. I never went over my balance. I eventually transfered the balance to another card with a lower interest rate and closed the account. I check my credit report on a normal basis, just 3 months ago when I checked it (keep in mind now, its been 4 years since I had this card) it stated that the balance was unpaid and they wrote it off as a loss. Which is now killing my credit...May I ask why did they wait 4 years to post this to my credit report, all lies. I have sent proof of payment and they ignore me. Beware, nothing good will come from this card. Best Feature: Nothing Worst Feature: Everything Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: AAA Platinum Card Provided by: Bank One Total Posts: 5 Average Rating: 2.10 Category: Regular Date posted: 10/25/2005 Review: Avoid this card if you pump diesel or travel to Canada: Took a long trip to Eastern US and Canada in August 2005. Pumped lots of diesel using the card, only to find out that the rebate doesn't apply if the stations don't accept credit cards at the pump. Most truck stops don't have automated diesel pumps (due to size of purchases) unless they have one at the gasoline islands. Also, most stations we found in Canada outside the main cities didn't have any automated pumps, including gasoline. The card was useless for it's rebate. Cost us at least $75 in missed rebates in one month. Best Feature: No Annual Fee Worst Feature: Can only get rebate at automated pumps - really bad! Overall Rating: 1 Benefit Rating: 1.5 Service Rating: 3 Recommend: No Credit Card: Citi® Dividend Platinum Select® Card Provided by: Citibank Total Posts: 66 Average Rating: 4.24 Category: Reward - Cash Date posted: 10/25/2005 Review: 5% Cash Back Despite Pushy Customer Service Reps: I have already received the maximum $300 annual cash dividend for this year. Overall, I am very happy with the card. The only drawback has been pushy customer service reps who have tried numerous times to convince me to sign up for ID theft protection, transfer a balance, use a convenience check, etc. Otherwise, I love the card and would recommend it to friends. Best Feature: 5% cash back on gas and groceries Worst Feature: pushy customer service reps Overall Rating: 4.5 Benefit Rating: 5 Service Rating: 4 Recommend: Yes Credit Card: Wells Fargo Secured Visa® Card Provided by: Wells Fargo Total Posts: 3 Average Rating: 4.33 Category: Secured Date posted: 10/25/2005 Review: FELT DECEIVED!: During the first year I had this card I was very impressed, however, things changed after that first year! Number one complaint was that they indicate in their promotional material that if the card is kept in good stead for a period of one year you can graduate to a non-secured card? This proved to be "untrue" in my case! They failed to inform me in any of their promotional litrature that in addition to keeping the card in good stead for that first year(ie: making payments on time and not exceeding credit limit)that a minimum FICA Score of 600 was needed to qualify for the unsecured card, I felt this extremely "deceptive"! What agitated me most however was their utter failure to address my complaint which was sent to the President of their Card Services Division on two seperate occassions! There is "no excuse" for this type of "unacceptable" behaviour from a firm that is making money off of you... the fact that they totally ignored both written inquiries says a lot about their committment to real customer service! The advise... "be careful"! Best Feature: Rewards Program Worst Feature: High APR Overall Rating: 4.5 Benefit Rating: 4 Service Rating: 1 Recommend: No Credit Card: Diners Club® Card Provided by: Citibank Total Posts: 30 Average Rating: 4.07 Category: Charge Date posted: 10/22/05 Review: Best T&E Card: 1st year pay the $95 annual fee and recieve 12K Club Reward points. Upon renewal, call the Bonus Rentention Dept (800) 753-5577 to have the $95 annual fee waived (a $95 credit) or perhaps recieve additional Club Reward points added to your account over the next several months. I didn't like personal cards going from 60 days to 30 days to pay in full (Corporate cards still have 60 days to pay in full). On the other hand, Diners Club cardmembers biggest grip for years was lack of acceptance. With Mastercard acceptance, no more acceptance problems. Frequent flyers really like Diners Club for its Club Rewards program. It has won 8 Freddie awards by voters of Inside Flyer Magazine. The flexibility to transfer miles into almost any airline frequent flyer program domestically or many international ones. Also great for topping off your miles for that additional ticket or upgrade. Club Reward sometimes runs special redemptions on certain airlines. No problems with customer service and concierge is available. Primary Car Rental Insurance is provided in most countries. Diners Club gets Two Big Thumbs Up! Best Feature: Club Rewards, Primary Ins, MC Acceptance, Concierge Worst Feature: $95 Annual Fee, and 30 days to pay in full Overall Rating: 5 Benefit Rating: 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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