Recent Credit Card Reviews by Consumers Like You!

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 14,000 + reviews of 841 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: Capital One® No-Hassle Visa® Platinum Card Provided by: Capital One Total Posts: 268 Average Rating: 3.71 Category: Regular Review: Capital one is one of the best creditors when it comes to credit cards. Low interest rates, decent credit lines, allows you to make as payments as there are days in the month you wish to pay for online. One payment per account no less than 24 hours apart, unlike other creditors. I saw a post here that said capital one scans a copy of your check used to pay for your credit card bill monthly then destroys the check. That confused me. Assuming you pay your cap. one bill with a check drawn from another bank (for example citibank) then they must forward that original check to citibank. Citibank may scan it then destroy it. All checks make their way back to the original bank, no? Best Feature: no annual fee Worst Feature: i'm not sure yet Overall Rating: 3 Benefit Rating: 3 Service Rating: 3 Recommend: Yes Review: I have been a Cap. 1 customer in the past. I never had a late payment and also have a FICO score in the high 700's (pretty close to perfect). I have tried to inquire about the 4.99% FIXED interest rate online and on the phone with their customer service. Apparenly they only offer the 4.99% rate per invitation only. It is funny how the major focus of their tv ad. campaign displays a rate that only a fraction of one percent of Amercians will even be allowed to obtain. It is the typical "bait and switch" sales tactic usually reserved for used car sales people and time-shares. Lure them in with one rate, lock them in on a much higher rate. Way to go Capital One!!! what strong ethical standards you are exhibiting! Best Feature: none Worst Feature: The supposed interest rate of 4.99% Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Blue from American Express® Provided by: American Express Total Posts: 185 Average Rating: 3.70 Category: Regular Review: I have been with American Express since 2001. I had the Blue for student card for 1 year then upgraded to the Blue regular with no problems. Since I always pay my bills on time and in full no matter how much it is, interest rates and other fees have never affected me. Recently I needed to by a few appliances so I called my other cc company first (MBNA platinum) for a line increase. I was denied. Then I went to the AE website and requested to double my limit to $4G. With in days, they did it no questions asked. I love American express. Best Feature: generous credit limits, clear, blue, and great webpage Worst Feature: None whatsoever Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Review: I have excellent credit, and applied for the card when the fixed APR rate was 9.9% Upon recieving approval, we balance transfered and quickly paid off those balances. We then learned that our interest rate was 12.9%. We have protested this three times, and were told that we would have to provide a copy of our application. How can we do that when we applied by phone? The customer service rep and his supervisor were extremely rude, telling us that we would have to cancel our card and apply again to get 9.9%, much less the 7.9% that is falsely promised on commercials every night. I thought anything associated with the AMEX company would be more ethical but now I know better. Best Feature: being able to pay in monthly installments like other real credit cards Worst Feature: misleading applicants about interest rates Overall Rating: 2.5 Benefit Rating: 2.5 Service Rating: 1 Recommend: No Credit Card: Orchard Bank MasterCard® Classic Provided by: Household Bank Total Posts: 139 Average Rating: 3.06 Category: Poor Credit Review: As of today 1/21/04, I can't say anything bad about Orchard/houshold's credit services. Everytime I attempt to contact customer service 1-800-771-7293 I never wait longer than 5 minutes, they give their entire names, they are courteous, and are very helpful. Maybe everyone else is calling 1-503-245-9280 which is why I haven't encountered any problems. I pay my full balance before the due date, to not encur any finance charges. When they sent me the application the processing fee was 19.00 which they applied back to my card once approved. So I paid 19.00 via check and they put 19.00 worth of extra credit on my card. My limit is $300. Then they charged me $79 for the membership fee, I didn't realize that I had paid it...when I paid my bill. Not a problem though. Each month my credit report is noted that I paid on time. I can't complain, they've been good to me, thus far. I'd recommend them anytime. Best Feature: Easy approval Worst Feature: High rate doesn't go down Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Review: As far as the subprime credit card banks go, Household is probably the best. But being the king among scum isn't saying very much. If you ever call customer service, expect to have a high pressure sales pitch about credit payment protection, identity theft protection or whatever the pitch of the day is. Their representatives are trained to read scripts that are very similar to those used by very very very annoying telemarketers. I don't expect to have my credit card customer service trying to sell me anything... they better just answer my questions! Not a very nice thing to do to the credit impared. It was impulse credit buying that got most people in trouble in the first place. They know this and take evil advantage of it. The credit limit increases are hard to figure out. I started with a 1000 limit. After 6 months, they raised it by $250.00 automatically... then I requested one at 7 months and they raised it by another $100 for a $10 fee. I pay off my balance every month. After a year, they are not raising my limit. I sense they like to raise limits when you carry a balance every month and carry a high balance to credit limit ratio. Thats right... they like you maxed out and carrying a balance month-to-month. Don't get maxed out confused with over the credit limit. That and late payments are big no no's. Best Feature: They approve the credit impared Worst Feature: The customer service is real bad. Constant telemarketing Overall Rating: 1.5 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Sears Card Provided by: Sears Total Posts: 130 Average Rating: 2.16 Category: Retail Review: Sears gave me this card with a $1400 credit line with a 605 Fico Score, I was so happy, I spent $1200 so far and whats great is I have a low APR I only pay $10 a month and it never changes even though I make $200 payments, My fico score since went up to 720, Im happy with this card I called last night and they gave me a $2000 credit increasement I dont know if I just got lucky or what, thanks sears. Best Feature: Low APR Low Monthly Payments Worst Feature: NONE Overall Rating: 5 Benefit Rating: 5 Service Rating: 3.5 Recommend: Yes Review: I have paid for the credit protection plan at a rate of $20 per month for years. Two years ago Boenig laid me off. I am still out of work. Trying to get Sears to send me a claim form for the plan I paid to protect me in a case like this has been impossible. All they do is refer me back to the collection agency who now has my account as a result of my inability to pay due to layoff. It smells more and more like a scam. Charge people for insurance you can't use when you need it. Run them around on the phone for hours on end, disconnect their calls and refuse to respond to letters requesting the claim for that will solve the payment problem. I am considering a lawsuit against these idiots. In the meantime I urge you all to drop your credit protection plans if you have them as you are literally paying for nothing. Best Feature: Can't think of one yet Worst Feature: Credit protection plan 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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