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: Bank of America Visa® Platinum Card Provided by: Bank of America Total Posts: 37 Average Rating: 4.20 Category: Regular Date posted: 12/04/2005 Review: BofA Platinum fixed rocks! Don't know anything about this card being discontinued, but I have had it for several years and I love it. Bank of America has excellent customer service and I get good CLI's. I love having a fixed rate and being able to do everything concerning my acct. from the computer. Best Feature: Fixed low rate for qualified customer Worst Feature: None Overall Rating: 5 Benefit Rating: 4.5 Service Rating: 5 Recommend: Yes Credit Card: Best Buy Card Provided by: Household Bank Total Posts: 84 Average Rating: 1.80 Category: Retail Date posted: 12/03/2005 Review: Poor Payment Options. Overall a very negative experence with this card. They are very good about making you pay late fees. The 2 to 3 business day turnaround on online payments is a joke. They also sign you up automaticly for their debt cancellation program, which it is almost impossible to talk them into removing form your account. I even got a 3000 dollar Household Bank Credit card that I didn't know I signed up for. I will be cancelling this account as soon as my Surround Sound System is payed off. If you want interest free financing, shop at Circuit City instead. Best Feature: 18 month free financing Worst Feature: Terrible Customer Service Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Blue Cash® for Business Credit Card Provided by: American Express Total Posts: 2 Average Rating: 4.5 Category: Business Date posted: 12/02/2005 Review: Cash Back Program: I have had the card for about a year and spend about $80,000 per year on purchases. I like the card but after you spend over $15,000 you only earn 1% cash back on everyday purchases, which is pretty weak. I was told that I would earn 2.5% cash back on my everyday purchases, and was disappointed when I only earned about 1% on my statment. I called to investigate and was told the rep gave me the wrong info. Good card but there are probably other cards that give better benefits for the amount that I spend. Best Feature: Cash Back Program Worst Feature: Limit on Cash Back Program Overall Rating: 4 Benefit Rating: 3 Service Rating: 5 Recommend: Yes Credit Card: New Millennium Bank Platinum Visa®/MasterCard® Provided by: New Millennium Bank Total Posts: 36 Average Rating: 3.22 Category: Secured Date posted: 12/01/2005 Review: Get this card: Anyone who gets a secured credit card wants to for a reason, and NM exceeded my expectations. The best part about this card is the online payment/transaction history. You can set it up via their website to have your payment taken AUTOMATICALLY out of your checking account each month. It can be the minimum balance due or entire balance, you decide. No need to wait for your statement, and never miss a payment! Overall, no disappointments with this card. Best Feature: Online payment/transaction history Worst Feature: None Overall Rating: 5 Benefit Rating: 5 Service Rating: 5 Recommend: Yes Credit Card: Chase Ultimate Cash Award MasterCard® Provided by: Chase Total Posts: 4 Average Rating: 3.00 Category: Reward - Cash Date posted: 11/29/2005 Review: Application process: Zero percent interest for first 12 months on balance transfers and purchases plus $50 bonus is better than Citibank's offerings. Request for rebates can't be handled via internet; must call customer service. Slow application processing time. Inability to apply with spouse jointly; must submit more information and more paper work after the account is approved because company is supposedly constrained by the way their systems are set up. (Systems can't be modified?) Low approved credit limit even with outstanding credit. Annual limit of only $300 for cash back. Best Feature: Cash back latitude and sign-up bonus Worst Feature: Inability to apply jointly with spouse; low credit limit. Overall Rating: 4 Benefit Rating: 4 Service Rating: 4 Recommend: Yes Credit Card: Capital One Classic Provided by: Capital One Total Posts: 434 Average Rating: 2.81 Category: Regular Date posted: 11/28/2005 Review: Capitol One helped me when I needed it. I screwed up, plain and simple. I didn't pay, and then I ducked them for a long time. Then I get this letter in the mail. It was an offer so good, I couldn't beleive it. I had an attorney at a collection agency check it out. Here was the offer: Pay off the current balance at 0% APR Once the balance was paid off, I got a new credit limit equal to 50% of the previous balance. I leaped on this offer. Paid the balance off in 8 months and got my shiny new card. Yes, the limit is still low after 2 years, but who can blame them. I use the card responsibly now. If they raise the limit great, if not, who cares. They worked with me instead of sueing me and putting me into collections. Capitol one will always have my business. But they won't be making much interest off of me. Best Feature: They helped me when I needed it Worst Feature: Low credit limit Overall Rating: 5 Benefit Rating: 5 Service Rating: 4.5 Recommend: Yes Credit Card: Lowe's Credit Card Provided by: Monogram Credit Card Bank of Georgia Total Posts: 27 Average Rating: 1.39 Category: Retail Date posted: 11/28/2005 Review: I purchased a $2300 riding mower with no interest and payments for a year. Straight forward....No. A week later I bought a bagger for the same mower on the same credit account. Then the Nightmare started. I paid off the BAGGER the next month. Then I was billed for the full amount of the mower. It was their mistake, I still had 10 months no interest and no payments right? No. I was later called by Lowes regarding my late payment, and I explained the terms I bought this on (no Int. no payments 1 year), which they would not hear. After 3 months of this nonsense and calls at 7:00A.M. on Sundays, I paid the bill off in full. You can't win with these people. Later after applying for a house loan, I learned that THEIR fraudulent activities showed up on MY credit report as a Deliquent pay, and was denied My loan based upon THEIR (MONOGRAMS) deceitful practices. Join the class action that I have joined. Search "Lowes class action lawsuit" and see how many are in my situation. Best Feature: Sunday A.M. phone calls from Mono saying I'm late. Worst Feature: Unable to get financing on house...Their reporting Overall Rating: 1 Benefit Rating: 1 Service Rating: 1 Recommend: No Credit Card: Citi® Dividend Platinum Select® Card Provided by: Citibank Total Posts: 68 Average Rating: 4.24 Category: Reward - Cash Date posted: 11/27/2005 Review: Good card but: I agree that this is a good reward card because of the 5% cash back on gas and grocery shopping. But I just found out that my standard APR was raised to more than 20% by Citi in the past year, remember, the default rate on this card is about 23%! I have a good credit record: never late, only have two credit cards, no other loans or mortgages. So I called the customer service who said it was routine raises for a group of customers like me and nothing wrong or they could do. I think this is bullshit, routine raises to 20% without notifying me? So I checked the rate on my Amex Blue cash, they actually lowered my APR to 9.9% and it has been staying there for a year. So what is going on with Citi?! Best Feature: cash reward Worst Feature: skyhigh APR rate Overall Rating: 3.5 Benefit Rating: 3.5 Service Rating: 3.5 Recommend: Yes Credit Card: Alaska Airlines Visa® Platinum Provided by: Bank of America Total Posts: 25 Average Rating: 3.08 Category: Reward - Airline Date posted: 11/19/2005 Review: Consider this card only if you're prepared to expend peak miles. I had been happy with Alaska/Horizon's BOA Visa until later in 2005. I suddenly find that it is impossible to book a flight for nearly 6 months out without expending twice the points I'd always expended previously. (Used to be 20,000 within the contiguous 48; now is 40,000 for up to six months out). Since I have had friends on many of these flights where "no 'saver' point are available," I know that many of the flights are NOT full; clearly they could make m ore room for "saver tickets" as they did in the past if they chose to. This recent, unexpected change in in policy has ruined what had previously been a very workable mileage plan. I now find the mileage plan basically full of hassles and, for the $75 annual fee I pay, nowhere near as attractive as the rewards offered with other plans. Horizon Air is going to lose me as a customer, not just with frequent flyer miles, but for the paid flights. Other than the "standard cockroach letter," they have been very unhelpful when approached, as have their partners at Bank of America. Best Feature: used to be travel rewards Worst Feature: only flights into small cities cost peak (40,000) miles Overall Rating: 2 Benefit Rating: 2 Service Rating: 4 Recommend: No Credit Card: Priority Club® Rewards Platinum Visa® Card Provided by: Bank One Total Posts: 7 Average Rating: 3.71 Category: Reward - Travel Date posted: 11/18/05 Review: Be Forewarned!! We have been loyal to this chain for many years. We got the card to enhance our points because we travel frequently and it seemed a great benefit because we like to plan last minute trips. Many times we cannot book because they only allow a limited number of rooms (at each hotel) to be booked as "Reward Nights". Extremely disappointing experience for us. Best Feature: Possibility of Reward Night hotel room Worst Feature: They don't tell you only a limited amount of Reward Night rooms available at each hotel! Overall Rating: 3 Benefit Rating: 2 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. 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