I have had this card for 11 years now (it has gone through several banks) and, believe it or not, it makes no difference to Chase. On a recent trip overseas I purchased a phone card for my foreign cell phone and it was considered as a cash advance when there was no cash involved - of course that carries a 25% interest rate (note that I do that with AMEX all the time and never had any issues). I called customer service and after 45 minutes with customer service, the dispute department and even the fraud department I was told by an unpolite person that even though this was a purchase, it is considered a cash advance and interest would be charged as such. The funny thing is, even as I make large payments they get to "choose" what is applied to purchases and what goes to cash advance which means until you pay off the whole balance you WILL pay the higher interest.
I read several reviews on this card and the same applied to me. My interest rates have gone up every month for no apparent reason and when I called to verify why I received no plausible explanation and my rates were then reduced about 10%. There is obviously no respect to the consumer from chase, so stay away if you can.
Best Feature: None
Worst Feature: Customer Service
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Lerner New York Credit Card
Provided by: World Financial Network National Bank
Total Posts: 18
Average Rating: 2.06
Category: Retail
Date posted: 11/27/2007
Review:
I have had my New York and Company card for 5+ years now. It was very helpful when I first graduated college and couldn't afford to pay for work clothes. I keep my balance fairly low so the minimum is low and easy to pay. I have only had to deal with customer service a couple of times, but have been pleased with them and gotten exactly what I wanted. My credit limit is raised about once every 18 months or so and I pay through my bank online, so I have really have no complaints.
Best Feature: coupons/special sales
Worst Feature: haven't experienced anything yet
Overall Rating: 4
Benefit Rating: 3.5
Service Rating: 3.5
Recommend: Yes
Credit Card: Chase Classic Visa®/MasterCard®
Provided by: Chase
Total Posts: 111
Average Rating: 2.48
Category: Regular
Date posted: 11/26/2007
Review:
Being a loyal and good customer who had never been late for a payment for 6 years, what did I get as a reward when I was late paying my balance by one week when I was out of town? Late fees and finance charges that are not waived. Even after I paid off the existing balance and closed the account, the finance charges still haunted me.
Best Feature: None
Worst Feature: bad customer services
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: HSBC Mastercard with Cash Back Rewards
Provided by: HSBC Bank Nevada, N.A.
Total Posts: 4
Average Rating: 3.13
Category: Reward - Cash
Date posted: 11/26/2007
Review:
I've been paying online (on time). THE LAST 2 PAYMENTS, did not go through (HMMM...). So I was charged a late fee twice. There is nothing wrong with my computer. (I feel they get the payments, but claim they do not.) So I had to enter them again, and call customer service to be sure they received them. They were snotty when I requested a lower interest rate. The lady told me I could not have one because I was late with my payment (but I paid it online 3 days early, and with a $3900 payment. Weird.
Best Feature: None - Rude Customer Service
Worst Feature: Even though I make very high monthly payments, they deny me a lower interest rate
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: Bank of America Secured Visa® Platinum Card
Provided by: Bank of America
Total Posts: 14
Average Rating: 4.32
Category: Secured
Date posted: 11/25/2007
Review:
I called customer service to ask about the partially secured card, but no one knew what I was talking about. I applied for the unsecured card and was denied immediately online, but was approved for a secured card with an intial $300.00 deposit. I sent the funds and received card in about three weeks. It's an easy secured card to get with a low annual fee ($19.00).
Best Feature: Easy to qualify for and quick to receive (about three weeks). Low annual fee $19.00.
Worst Feature: No interest on savings account
Overall Rating: 4
Benefit Rating: 5
Service Rating: 4
Recommend: Yes
Credit Card: Wells Fargo Secured Visa® Platinum Card
Provided by: Wells Fargo
Total Posts: 5
Average Rating: 4.40
Category: Secured
Date posted: 11/23/2007
Review:
I opened this account when I became more responsible about my credit. WF has done an excellent job in providing me with a prestigious card for everyday use.
This experience alone has me anxious for my annual review; I would love to transfer some outstanding CC balances. I would also be happy to have WF service my home/auto loans in the future.
Job Well Done!
Best Feature: Great Rewards Program and Opportunity to upgrade to an unsecured credit line
Worst Feature: takes approx 12 months to be eligible for unsecured status
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: Citi® PremierPass(SM) Card - Elite Level
Provided by: Citibank
Total Posts: 1
Average Rating: 4.00
Category: Reward - Airline
Date posted: 11/16/2007
Review:
World Mastercard attempts to go head-to-head with American Express Platinum card. I have both, and would have to say that my AmEx card has the definite edge. Premier Pass Elite Level has numerous benefits, many of which are lost in translation when trying to obtain insight on how to use them. Some customer service reps. were unaware Premier Pass even has a concierge service! When I informed them it was in my welcome packet, they put me on hold for several minutes; then gave me another number to call. Citi should dedicate a seperate website exclusively for Premier Pass Elite cardholders. This would be educational and exclusive for customers and easier to introduce new products.
For those who want comparable benefits at a lower annual fee [but, without the status of AmEx], then I'd highly recommend PremierPass Elite Level.
Best Feature: Double Airline Miles
Worst Feature: Under-disclosed benefits
Overall Rating: 4
Benefit Rating: 4
Service Rating: 3.5
Recommend: Yes
Credit Card: Citi® Diamond Preferred® Rewards Card
Provided by: Citibank
Total Posts: 24
Average Rating: 3.08
Category: Reward - Other
Date posted: 11/14/2007
Review:
I love that I get something out of using my card. It is more than just a credit card.
Best Feature: the thank you network - it has everything
Worst Feature: this is a card for everyday purchases
Overall Rating: 4
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
Credit Card: Hilton HHonors® Platinum Card from American Express®
Provided by: American Express
Total Posts: 18
Average Rating: 3.83
Category: Reward - Hotel
Date posted: 11/4/2007
Review: Every year I book a category 6 room in LA. This year I also booked in Detroit and in London, and paid for all of these with this card. I never had a problem with getting a room, and although Hilton is not the best hotel chain, they can be very good. There's no great advantage to getting 3 points per dollar spent; it's the ratio of 'how many points does it take to get a room' to 'number of points per dollar spent' that governs whether that's a good deal, and it appears to be fair - not great, not bad. Also, I got a Citibank Hilton card, took the bonus points for a purchase, then asked Hilton to merge the Citibank generated Hilton account points into my American Express Hilton account, which they did.
Best Feature: Easy to get rooms - never had a problem
Worst Feature: not part of membership rewards
Overall Rating: 4
Benefit Rating: 4.5
Service Rating: 5
Recommend: Yes
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