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: Citi® Driver's Edge® Platinum Select® Card Provided by: Citibank Total Posts: 38 Average Rating: 3.76 Category: Reward - Auto Date posted: 10/24/2006 Review: Great if you pay in full. The rewards program is actually kind of cool. Not only do you earn 3% on gas stations (which includes anything bought inside), drugstores, and grocery stores, you can enroll your car to earn cash off the miles you drive. When you're ready to buy a car, you submit a form and-voila!-you get a check. Can be dealer or private, new or used. Best Feature: Rewards program (cash towards new car) Worst Feature: Ugly standard APR Overall Rating: 4 Benefit Rating: 5 Service Rating: 4 Recommend: Yes Credit Card: AOPA Visa® Card with WorldPoints® Rewards from MBNA Provided by: MBNA Total Posts: 54 Average Rating: 3.10 Category: Reward - Travel Date posted: 10/23/2006 Review: AOPA Cards are not competive now. With the anounced change in the AOPA card that will do away with the 5% rebate, the AOPA card will now have much competition from other gas cards like Air-BP which does offer a good rebate. Best Feature: Provides some support to AOPA Worst Feature: Loss of 5% rebate at end of 2006 Overall Rating: 2 Benefit Rating: 2 Service Rating: 4 Recommend: No Credit Card: ExxonMobil MasterCard® Provided by:CitiBank Total Posts: 26 Average Rating: 2.94 Category: Reward - Gas Date posted: 8/5/2006 Review: All the trouble started when Citibank took over my Exxon account. I've always paid on time or early. An electronic wire payment was made for the entire balance (about $52.00) over a week before it was due. Citibank received the payment and promply sent us a letter stating that we had OVERPAID our account and they would issue a check if we did not use the card within a specified period. I Called customer service in a totally worthless and frustrating attempt to fix the problem. A week later, I received a billing from them stating we were late on our account payment (about $52.00), and they slapped a bunch of late fees on our balance and raised the interest rate to 28%. I called customer service again in a totally worthless and frustrating attempt to fix the problem. A week later, I RECEIVED a check for about $52.00 from Exxon, because "our account was overpaid." I called customer service again - this time they admitted their errors (after we had our bank fax Exxon proof of payment), and they removed the late fees. They said we still owed the $52. We cashed the check from Exxon and transferred AGAIN the $52 payment to them. As of yet, they say "we show no record of receiving payment." We verified all account information as correct, and once again, the bank faxed proof of payment to exxon. We are unable to resolve this issue with Exxon - customer service is worst I have ever delt with. Stay away from Citibank and Exxon! Best Feature: none Worst Feature: HORRIBLE customer service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Delta SkyMiles® Gold Credit Card Provided by: American Expressk Total Posts: 25 Average Rating: 3.48 Category: Reward - Airline Date posted: 10/2/2006 Review: If you pay off your card monthly and spend more than $1,500 a month use this card. We use it to travel to Florida and Washington for cruises. This year was the first time I ever regretted it. The flight times just didn't line up and I spent too much money on a hotel due to the need to stay an extra night. We fly at least once a year on this card. Most often, I can get something to work with flights. I love the special 2 miles for 1 dollar promos. Customer service has been reliable and consistantly decent(not excellent, but good). Best Feature: Travel & Double Miles Promos Worst Feature: Some Lame Travel Requirements Overall Rating: 5 Benefit Rating: 5 Service Rating: 4.5 Recommend: Yes Credit Card: Orchard Bank Platinum MasterCard® Provided by: HSBC Bank Nevada, N.A. Total Posts: 9 Average Rating: 3.89 Category: Poor Credit Date posted: 9/26/2006 Review: I have a platinum and silver card from this company. I have never been late and always pay way more than the minimum, sometimes paying them off. Recently I carried about a 50% credit balance on my limit on both cards for a few months and they raised my APR from 13.5% to 28% without notice. I called to ask why and they stated that I was carrying a balance and they raised my APR. I asked if I paid down the balance in full, would my APR come back down. They said they were not sure. Well, I have and it still hovers at 28%. When I called again to ask, a lady said oh well you'll have to deal with it. I was surprised to hear this since I’ve been in great standing with them in my 3+ years. I would have to say that this is a great card to get to start rebuilding your credit, just keep your balances low and pay them off immediately. I will hold onto the cards for emergencies, but now I'm getting offers from Capital One and I just received the GM Card with 0% APR for 12 months and 5.75% thereafter. I also found that there is a CAP they place on credit that limits spending on the card type. Even with a score of 710 I could not get past 700 on the silver MasterCard. Good luck to all in this ever-so-wild credit industry. Best Feature: lower fees than most Worst Feature: APR increases even after good standings Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 4 Recommend: Yes Credit Card: Citi® Diamond Preferred® Rewards Card Provided by: Citibank Total Posts: 16 Average Rating: 3.00 Category: Reward - Other Date posted: 9/16/2006 Review: This is a good credit card that I enjoy using. I have already used points for a free $50 gas card and a free cordless drill both of which I have been very happy with. Rewards have reasonable point amounts and I have been overall very happy with this card. Best Feature: Multiple options for rewards Worst Feature: You have to call an 800 number for travel rewards Overall Rating: 4 Benefit Rating: 4 Service Rating: 4 Recommend: Yes Credit Card: Wells Fargo College Visa® Card Provided by: Wells Fargo Total Posts: 12 Average Rating: 2.96 Category: Student Date posted: 9/14/2006 Review: I got my first checking account and credit account right out of high school from Wells Fargo. I had no credit history previously and I was approved for the College Visa Credit Card. It seemed pretty good with no interest for the first 6 months, but after that your interest rate skyrockets (which I guess is to be expected for your 1st card). I've been a member for about two years now and my credit limit has been bumped up 3 times to $2,300 starting from $1,000. Included with the college account, you get bill pay and overdraft protection for your checking account if you choose to do so. Otherwise, there are no cash back or any other type of incentive benefits whatsoever. Overall, it is an okay card. Best Feature: Longer grace period Worst Feature: High interest rate Overall Rating: 3.5 Benefit Rating: 1 Service Rating: 4 Recommend: No Credit Card: Toys R Us® Visa® Card from Chase Provided by: Chase Total Posts: 17 Average Rating: 4.82 Category: Reward - Retail Date posted: 9/5/2006 Review: A couple months ago the rebate coupons became gift cards, issued in $10 increments. You can also now use them online. This is great because you can give the gift cards as gifts- as opposed to the original coupons that were issued. The only sad thing...my kids (& friends) are getting older and are outgrowing almost everything (except electronics) at Toys R Us. Best Feature: Easy to earn rebates for use at Toys R Us Worst Feature: If you carry a balance, it takes two full cycles to make it up Overall Rating: 5 Benefit Rating: 4.5 Service Rating: 5 Recommend: Yes Credit Card: USAA Platinum MasterCard® Provided by: USAA Total Posts: 29 Average Rating: 2.78 Category: Regular Date posted: 8/25/2006 Review: A great card from a great company. I never keep a balance on it so I don't care about the interest rate. Nevertheless, the rate is lower than other cards. I like the way that I can transfer money from my accounts to pay my balance and vice versa. The biggest advantage is the overdraft protection it offers in conjunction with my bank accounts. My wife's account, the one we use to pay the bills with, occasionally gets overdrawn (she isn't very careful when writing out the checks). Despite recent acquisitions and growing pains, USAA really looks out for the me. Best Feature: Dependable Worst Feature: None 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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