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 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: MBNA Classic Mastercard Provided by: MBNA Total Posts: 141 Average Rating: 2.46 Category: Regular Review: My credit was not great after running into debt troubles. After applying for this card, it arrived in the mail 3 weeks later with a $5500 credit limit. I called them and had the limit reduced to $1000. They took care of it right away. Customer service is prompt and courteous Best Feature: Higher credit limit Worst Feature: Interest rates are slightly high (16.9%) Overall Rating: 5 Benefit Rating: 3 Service Rating: 5 Recommend: Yes Review: MBNA will NEVER agree to anything in writing! Just try it.....really! MBNA agreed to stop charging an "over the limit fee" and to not raise my interest rate in an effort to work with me to pay off my credit card after my divorce and custody battle. My wife has been paying $150, $200, and sometimes as much as $300 per month in an attempt to pay down the debt. While reviewing the account over the last 24 months I find that MBNA has been systematically raising the interest rate along the way and now after 24 months I still owe what I originally owed at the beginning of 2001! IF YOU DON'T THINK THESE GUYS ARE CROOKS IN BUSINESS SUITS YOU'RE IN FOR A REAL SURPRISE! Best Feature: NONE Worst Feature: Legalized theft by regular campaign contributions Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No First PREMIER Bank Visa®/MasterCard® Provided by: First PREMIER Bank Total Posts: 161 Average Rating: 2.51 Category: Poor Credit Review:I couldn't get a credit card to save my life. I have been rebuilding my credit and have all but a few late payments left on my report and still couldn't get a credit card. I didn't like all the fees but researched this card well before applying and if you pay your balance they take care of you. Customer service has called me several times just to see if everything is ok with the card so far. They are very helpful if you get the right person on the phone. If you are trying to rebuild your credit, this card is the way to go. Best Feature: Post payments immediately, low interest for poor credit Worst Feature: Lots of fees to join but worth it if you have poor or are rebuilding credit Overall Rating: 5 Benefit Rating: 4 Service Rating: 5 Recommend: Yes Review: Did you know when you make a payment to First Premier Bank it takes 14 days for the payment to clear! OMG! Yet they yank the cash from my bank account that night I make a payment. I'm always on time, yes I have had my credit demolished due to a business I had fail. I started to rebuild my credit months back and received this card. In the 3 months I have had it, I have used it, and paid it off each month, with no problems. The other day I paid the balance off in full. I was not past due. I called and arranged a payment knowing I will have to use it on a business trip the following week. I have not yet noticed the 14 day waiting period. Well, off on my trip after a dinner, I found my card not working. Emberressing to say the least, with peers around me. Later that night I called and was informed about the waiting period. "That just Bull" I told the lady over the phone, "and compleatly ludicrious." Long story short - Today, after 3 months of having this card, I have cut it up. I have called and cancelled the Credit Card. My Recommendation - Do Not Get this Card. There are many others out there. Best Feature: There Is None Worst Feature: Customer NO-Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No First National Bank of Marin Visa® Platinum Card Provided by: First National Bank of Marin Total Posts: 16 Average Rating: 3.78 Category: Regular Review: I don't actually think that this card can be used for getting credit right now, I rather use it to establish a credit rating with some charges on it and paying it back asap. I got a the minimum 260 $ credit limit (I have no credit record whatsoever) and I pay the complete balance every month. Unfortunatly they hold my funds for 7 days, which is stupid as I use the billpay function of my bank, so they have the money when they get it (2 days after I send it), there is not risk like with a check or a payment from their webpage. But that is the only backdraw here. The webinterface is very good and the only time I had to call customer service (to activate) I was deal with very professional and they explained charges, hold times and the rules again and ensured I understood them. So if you are clear about the fees and you need to rebuild your credit this is a great card for that with modest fees. Best Feature: Establish credit for resonable cost Worst Feature: 7 days hold on funds Overall Rating: 3.5 Benefit Rating: 2.5 Service Rating: 4 Recommend: Yes Review:I was sent an offer for the card and I enrolled. Upon receiving the card I called to ask if I may pay the entire amount of fees in advance rather than monthly. I was informed that I could not. I then declined the card entirely. In my opinion, they are merely attempting to capitalize on future late charges from people who are not given the option of paying monthly maintenance fees in advance and may then forget to send those fees on a monthly basis. I could not bear the thought of possibly being charged a $29 late charge for a $6 fee I was not given the option of paying in advance. I feel this is not an above board way of conducting business. Best Feature: Easy to acquire Worst Feature: High fees and they will not let you pay all of them in advance Overall Rating: 1 Benefit Rating: 1 Service Rating: 3 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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