The customer service has been excellent. I am not yet sure if this card reports to D & B or to one's personal credit as a business credit line. I hope to see a drop in my APR at some point.
Best Feature: Seperate account numbers for business members
Worst Feature: Somewhat high APR of 19% after 0% intro period is over
Overall Rating: 5
Benefit Rating: 4
Service Rating: 5
Recommend: Yes
Credit Card: Bank of America® Platinum Plus® Visa® Card
Provided by: Bank of America
Total Posts: 51
Average Rating: 2.41
Category: Regular
Date posted: 9/29/2007
Review:
Recently I transferred some money from one of my wife's credit cards (that had a high interest rate) to one of my credit cards. At that point, Bank of America increased my interest rate to 27.9% per month. I have NO late payments on any of my credit cards or other loans. When I called Bank of America to ask about the rate they were charging me, the customer service representative was rude (suggesting that I enroll in a debt reduction program). I asked him if there was something I could do to reduce my interest rate, he said, "Pay off most of your debt." I have been paying more than twice the minimum payments on all of my credit cards and have never made a late payment to Bank of America.
Best Feature: None
Worst Feature: Interest rate increases with no reason
Overall Rating: 1
Benefit Rating: 2
Service Rating: 1.5
Recommend: No
Credit Card: Marriott Rewards Platinum Visa® Card
Provided by: Bank One
Total Posts: 13
Average Rating: 3.08
Category: Reward - Hotel
Date posted: 9/15/2007
Review:
I have had this card for several years, with over 800,000 points accumulated. VERY difficult to find a hotel that won't tell you it "doesn't have a room available to book with points." This card has gone farther and farther downhill. I have switched to Hilton's - I hope my experience is better.
Best Feature: hotel credit
Worst Feature: blackouts are rampant!!!
Overall Rating: 2
Benefit Rating: 2.5
Service Rating: 2
Recommend: No
Credit Card: Washington Mutual Card
Provided by: Washington Mutual
Total Posts: 36
Average Rating: 3.19
Category: Regular
Date posted: 9/5/2007
Review:
I had this card for 9 years, was never late, paid over minimum and never went over limit. My reward for being such a good customer was a raise in interest rate from 15.99%(horrible) to 29.99% (predators!), and all this without notice. I made the call to "customer service" (they should really try to think of something else to call that department, since it is a far cry from anything remotely resembling customer service), and was told the reason for the rate increase was a "business decision". The supervisor I asked for next said the same thing.
Needless to say, I made the "business decision" to close the card and will have it paid completely off within six months or sooner. It has become my number one priority to finish my business with WAMU and to never give them another opportunity, EVER, to get at my throat again.
Please take my advice and get out of business with this company if you are a current cardholder, or never be tempted to open one of their cards if you haven't yet - you will regret it if you do.
Best Feature: None
Worst Feature: Unexplained interest rate increases
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: Yes
Credit Card: BP Gas Card
Provided by: Citibank
Total Posts: 4
Average Rating: 2.13
Category: Gas Card
Date posted: 9/7/2007
Review:
In Brief: While traveling in June 2007, I called in to make a payment by phone so that it would not be late. I paid what I was told was the entire balance of $57.00. I did not phone in to make a payment in July, since I had not used the card.
When I returned home in September, I opened my August bill, which was due Sept. 13. The August bill showed a "past due amount" of $2.00, which was interest on the $57.00 from June. Since I had not phoned in to pay the $2.00 in July, there was a "late fee" of $15.00 on the $2.00. To repeat, when I phoned in to pay the full balance due in June, I was not told about the $2.00.
The "nice" people at BP Amoco told me that since my card was "past due", I had been reported to a credit agency. They also told me that bacause I was "past due", they could not discuss waiving the late fees with me. I told them to cancel the card.
Don't become a victim of BP Amoco's late fee scheme.
Best Feature: Charge Gasoline
Worst Feature: Billing Practices
Overall Rating: 1
Benefit Rating: 2
Service Rating: 1
Recommend: No
Credit Card: Providian Airpoints Card
Provided by: Providian
Total Posts: 5
Average Rating: 3.20
Category: Reward - Airline
Date posted: 9/17/2007
Review:
I wrote an earlier review praising the fact that you could redeem 20,000 points for an airline ticket worth $500. That is a 2.5% return and, sadly, one of the best deals going in the rewards market. Or at least it was...
WAMU took over Providian recently and afterwards I received a notice in my statement that said the rewards program would be changing for the worse. The airline tickets now have a $35 fee associated with them and 20,000 points gets you a $300 ticket (minus the $35) instead of the $500 ticket. (This will go into effect Oct 7, 2007.)
The other rewards (which were basically 1% in the form of gift cards for various retailers and some products) will be changing as well, but the details of this change were not specified in the mailing.
So now I am left with all of my points that will be devalued on October 7 and there is nothing really I can do about it. I would have been better off with a plain old Discover and getting the 1% in cash instead of gift cards.
Best Feature: It used to be a great rewards card when it was Providian.
Worst Feature: Now WAMU has decimated the rewards and you would be better off getting a Discover
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Victoria's Secret Angel Credit Card
Provided by: World Financial Network National Bank
Total Posts: 128
Average Rating: 2.76
Category: Retail
Date posted: 9/22/2007
Review:
I have had this card for over 10 years. I have been maybe 1 day late in all of that time. I usually pay the entire balance off every month. They increase your credit limit all the time. I had to put a stop on the credit line increases. Fairly easy card to get and use.
Best Feature: The frequent perks
Worst Feature: A lot of the mail order clothes are of low quality.
Overall Rating: 5
Benefit Rating: 4
Service Rating: 4
Recommend: Yes
Credit Card: Advanta Platinum BusinessCard with Rewards
Provided by: Advanta
Total Posts: 13
Average Rating: 3.15
Category: Business
Date posted: 10/12/2007
Review:
After two months Advanta charged me a finance charge. When I signed up I was sure there was 12 months 0% interest on purchases. I called and they told me that was for balance transfers. I had no balances transferred. I went to their web site and saw that they were offering O% on balance transfers and 0% interest for 12 months. I called them back and told them this and the man said he couldn't change my account. I left ADVANTA and in the process of opening another account.
BAIT AND SWITCH.
Best Feature: NONE!
Worst Feature: DID NOT HONOR THE APR as advertised.
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Nordstrom Platinum Visa® Card
Provided by: Nordstrom Bank
Total Posts: 16
Average Rating: 5.00
Category: Reward - Retail
Date posted: 8/21/2007
Review: I started with a Nordstrom Store card with a $500 limit, then was upgraded to a VISA Platinum with a 6500 limit. I just upgraded to the VISA Signature and a 13,500 limit.
Everytime I've called Customer Service, it was been very enjoyable. Credit Line increases/upgrades without a hard inquiry. The reps are very professional and nice to talk with.
This card is awesome.
Best Feature: Great Customer Service
Worst Feature: None
Overall Rating: 4
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
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