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 16,000 reviews of 833 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: Orchard Bank MasterCard® Classic Provided by: Household Bank Total Posts: 158 Average Rating: 3.22 Category: Poor Credit Date posted: 11/29/2004 Review: I just recently recieved a thing in the mail for a preapproved Mastercard, I kind of just laughed then realized that it's issued through the same bank that was willing to finance me for a $25,000 car after NOBODY else would,so I gave it a shot. I was surprised the see that I was approved. My credit is horrible after going through a divorce, so I am willing to pay an annual fee and a high interest rate to get my credit back in good standing. Thank you Orchard for giving me a chance! Best Feature: gave me a second chance Worst Feature: high interest but I expected that Overall Rating: 5 Benefit Rating: 3 Service Rating: 5 Recommend: Yes Credit Card: Macy's Credit Card Provided by: FDS Bank Total Posts: 25 Average Rating: 1.80 Category: Retail Date posted: 11/29/2004 Review: There were fradulent charges on my macy's credit card and macy's fraud department insists on penalizing me instead of fully investigating this crime to protect their card holders and customers. I will never obtain a Department store card again. This is a very frustrating. Best Feature: none Worst Feature: NO CONSUMER PROTECTION Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Plains Commerce Bank Total Visa® Card Provided by: Plains Commerce Bank Total Posts: 95 Average Rating: 3.36 Category: Poor Credit Date posted: 11/28/2004 Review: I think this is the greatest card ever! It gives good people that have made some credit mistakes in thier past a chance to proove themselves. the best thing about this card is that It's not reported to the credit Bureau's a secured card so it tends to look better to people who check your consumer report. Best Feature: It doesn't report as a secured card, even though technically it is. Worst Feature: $250 Opening Charge Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Capital One® Platinum MasterCard® Provided by: Capital One Total Posts: 278 Average Rating: 3.70 Category: Regular Date posted: 11/281/2004 Review: This card isn't that bad. I've had it for a year or so. APR is 12.9, it had 6 mos. intro 0 int. My credit is so so at present, so I was happy to get it to expedite my repair process. To all the people complaining about late fees; and of course, said late fees pushing their balances over their limit, triggering an over limit fee- ITS YOUR FAULT! Don't blame Cap 1. It costs banks money to lend money and they have to recoup it somehow. I have had no problems whatsover with the card itself or customer service. Best Feature: decent apr Worst Feature: no comment Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 4 Recommend: Yes Credit Card: Citi® Dividend Platinum Select® MasterCard® Provided by: Citibank Total Posts: 45 Average Rating: 4.19 Category: Reward - Cash Date posted: 11/28/2004 Review: I am now using this as my main card. It's 5% back for gas, grocery, and drugstore purchases, 1% for all others. As soon as you accumulate $50 in "dividend dollars" you can request a check by phone or online. I have already received 2 checks. I requested them online and they were here within 7 business days. And the last check had a little flyer enclosed stating that for the next 90 days I'd get 6% back on gas, grocery, and drugstore purchases, and 2% on all others. Zowie! There is a maximum of $300 per year in cash back, which I should make with no trouble. There's no annual fee and as long as you pay your bill in full monthly, it's all gravy. I haven't needed to contact customer service, so I can't comment on that, but my dealings with Citi on other cards I've had with them have been great. Best Feature: 5% back on gas, grocery, and drugstore purchases Worst Feature: None Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Lowe's Credit Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 16 Average Rating: 1.41 Category: Retail Date posted: 11/27/2004 Review: This card is a rip off. when my RETIRED mother applied for this card they charged her for unemployment insurance and all the other optional insurances. when a person tells you they are retired, they have no need for insurance. the one good thing was when i bought this to their attention they quickly credited her account and she did not have to make a payment for 4 months.anyone with an elderly relative with a lowes account should check their options and insurance coverages. Best Feature: when ordering online you can track your order easily Worst Feature: no grace period automatic late fee if not paid by the second of each month. Overall Rating: 1 Benefit Rating: 1.5 Service Rating: 4 Recommend: No Credit Card: AAA Platinum Plus Visa® Provided by: MBNA Total Posts: 928 Average Rating: 254 Category: Regular Date posted: 11/26/2004 Review: I was attracted to this card because of their promise of a 5% rebate on all gas purchases made at the pump, plus a reward points system to win various gifts. Within a few months they completely did away with the reward points and basically reduced the gas rebate to 2%. When I called to inquire about this I was pretty much told that they were sorry I was upset, but that's the way it is, and if I would like to cancel they could do that. I hadn't switched my credit card provider in 20 years, in order to protect my 809 plus credit rating. After carefully studying different reward cards, I switched to the AAA Platinum Plus Card, only to have the rug pulled out from under me. I would not recommend doing business with these people. Best Feature: gas rebate given at most stations Worst Feature: promised 5% rebates and points toward gifts, then switched Overall Rating: 3 Benefit Rating: 2.5 Service Rating: 2 Recommend: No Credit Card: Clout.com Visa® Card Provided by: Clout.com Total Posts: 50 Average Rating: 32.79 Category: Regular Date posted: 11/26/2004 Review: This card does charge a lot of high interest if you use it foolishly. I recommend it for college students. It builds credit right away. I had no credit and now thanks to the fact that I always make my payments on time I have good credit! Best Feature: Builds Credit Fast/ Huge Credit Limit Worst Feature: Very huge interest rate if you dont pay right away Overall Rating: 4 Benefit Rating: 3.5 Service Rating: 5 Recommend: Yes Credit Card: Bank of America Visa® Platinum Card (Fixed Rate) Provided by: Bank of America Total Posts: 33 Average Rating: 4.15 Category: Regular Date posted: 11/25/2004 Review: I opened a Bank of America Platinum Visa, actually Barnett bank when I got the card, around 12 years ago... When it switched to bank of america i was given a great rate of 8.9% in 2001, then they lowered it to 6.9% fixed in 2004, in july i "switched" my card from the regular platinum card to the rewards cards i think finicial rewards to be exact, i still had my "regular" card, but had the rewards on it for about a month (they take forever to do anything, it took them a month to change a credit card number) anyway, i was looking to buy a new lexus, paying cash for it, but i decided to "charge" it so that i got reward points, and pay it off at the end of the month... Big mistake!!!! When Bank Of America finally generated a new CC# they put on my credit report, that they closed my account that i had opened for 12 years with a $43,567 UNPAID balance, furthermore stating that the account had been closed my the grantor (bank) and that a new account was opened with a higher credit limit, but a BRAND new account. furthermore my rate went from 6.9% to 14.73% VARIABLE, What really got me was that i paid the suv off that month and it was NOT late, the balance was "Transfered" as they tell me in August, and i paid the balance on the new account, well the idiots didn't report that to my creidt breau, it didn't say late on my old account, but bank of america never updated the info, and their credit dept. is so stupid they couldn't tell a AMEX from a VISA if it was in their face, long story short it took me a little over 2 months to get my credit right, and i no longer bank with these people... Best Feature: Rate, and Convenice Worst Feature: Don't ever switch your card to a "rewards" account, they get you Overall Rating: 2.5 Benefit Rating: 3 Service Rating: 1 Recommend: No Credit Card: Chase Cashbuilder Visa® Provided by: Chase Total Posts: 7 Average Rating: 3.14 Category: Reward - Cash Date posted: 11/25/2004 Review: I've had this card for a while and never really experienced any problems. the website is great, payments are processed promptly. i pay in full whenever i have a balance, which isnt often. even the interest rate is comparable to the other companies i deal with. a pretty decent card overall. Best Feature: nothing that really sets them above the rest Worst Feature: Never experienced any problems Overall Rating: 3.5 Benefit Rating: 3 Service Rating: 3.5 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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