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: Bank of America Visa® Check Card Provided by: Bank of America Total Posts: 46 Average Rating: 3.86 Category: Debit Review: THIS CARD IS THE BEST AND I EARN MILES EVERY 2$ I SPENT ON ANYTHING. AND BESIDES THEY HAVE ALL THESE FEATURES THAT YOU GET AS A CUSTOMER. SO FAR I HAVENT HAD ANY ISSUES WITH BOFA. I WOULD KEEP MY ACCOUNTS TO THEM AND RECOMEND THEM TO ALL OF MY FRIENDS AND FAMILY. AND YOU CAN VIRTUALLY USE THEIR CHECK CARDS/CREDIT CARDS VIRTUALLY ANYWHERE IN THE WORLD. Best Feature: AIRLINE MILES/CARD BENIFITS Worst Feature: NONE Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Review: While the fees they charge are no longer hidden they are still obscure in my personal views ut I would still give it a middle rating because BofA will usually work things out with you at the expense of your time. Best Feature: automatic withdrawal Worst Feature: obscure fees Overall Rating: 2 Benefit Rating: 1 Service Rating: 3 Recommend: No Home Depot Credit Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 15 Average Rating: 2.3 Category: Retail Review: I think overall THD is a great store, but with the actually credit card there is some confusion especailly when monogram is handling the accounts, but in august citibank took over home depot credit so I believe in the long run people will be more satisfied. Monogram's non-deffered billing was very confusing and I agree with the people that have posted on this forum about how unfair payments are applied to the account. However, with the new bank things are applied different and the account makes more sense. I would recommend to anyone to contact customer service is a payment is misapplied to the wrong promo to be corrected. That is why they are there. Best Feature: 12 months SAC, 6 mth promo offeres Worst Feature: Confusing Billing practices from MCCBG Overall Rating: 3.5 Benefit Rating: 3 Service Rating: 4 Recommend: Yes Review: Pay monthly on time for all new purchases that are not are not on the allegedly deferred promotional offers. However, am billed daily financial charges at 21% on balances that I cannot figure out how they were derived when I pay monthly in full for all new purchases. I have never made one late payment. I don't have this problem with any other credit cards--just HD. I don't understand why this is happening. If matter gets resolved, I will change rating. Best Feature: At this time uncertain Worst Feature: Billing Overall Rating: 1 Benefit Rating: 1 Service Rating: 3 Recommend: No Capital One Student Card (college students) Provided by: Capital One Total Posts: 53 Average Rating: 3.42 Category: Student Review: This is my first credit card ever, I had got it in Dec 2000 with initial limit of $200 and 0% intr. rate. I was always paying ontime and all balance in full that way I always knew how much I can afford. I've had this card for 4 years now, now I had like six other cards with much lower rates. My credit limit was increased from 200 to 400 to 800 to 1200 and then I received offer to transfer ballace to increase limit so I did and got my limit to $3100, and of course paid it off right away. I will recommend this card for begginers, it's perfect to establish credit and even gives you all kind of usable info about credit how to use it right. Customer service is very friendly called them only once though. The only bad feature is your rate remains the same even if you make all payments ontime - they don't lower it, but all the rest is O.K. as for the first card. N.S. Milwaukie, Oregon Best Feature: Easy approval Worst Feature: High rate doesn't go down Overall Rating: 4 Benefit Rating: 3 Service Rating: 5 Recommend: Yes Review: The good thing about this card is that they initially started me at a low limit. Unfortunately, being a student I eventually was not even able to meet the low monthly payment. After this occurred I was immediately charged a large amount of fees for the overlimit portion and the past due fee. This snowballing effect led the balance to become almost four times as much as the limit allowed. I would have rather the bill be sent to collections rather than let the balance get that out of control. Furthermore, the interest rate on this card was much higher than any other card I have. I made repeated attempts to contact the company and work out an arrangement that would benefit both parties, however they were never willing to work with me. Overall I would not use Capital One for any financial services in the future Best Feature: starts the customer at a low limit Worst Feature: too many fees Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No UmbrellaAIR Rewards Platinum Visa® Card Provided by: Umbrellabank Total Posts: 3 Average Rating: 3.17 Category: Reward - Travel Review: They won't increase your credit limit. So get what you can when you start. They have improved their customer service hours sort of. Umbrella bank itself doesn't handle it anymore, some other company does their 24 hour service. They haven't improved on when you get your credit back when you pay them. It can take up to 5 days from when your payment hit. I pay mine off every month, but have to wait if I want to use it for a high end purchase due to this and their no credit limit increase policy. Best Feature: Most points you can earn per month. Worst Feature: No credit limit increase Overall Rating: 4 Benefit Rating: 4.5 Service Rating: 3 Recommend: Yes Review: Avoid this bank and its UmbrellaAir Platinum card like the plague. They give you a 5000. CL and will not raise it. Their Customer Service has limited hours, their automated acct info is frequently down. You can do better, much better. When you pay your bill, they do not release your line until they feel like it, even when you pay direct from your UmbrellaBank checking account. Very low class operation. Best Feature: 9.9% Worst Feature: A long time to make credit available after EFT payment, lousy CS Overall Rating: 1.5 Benefit Rating: 1.5 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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