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: Phillips 66 Conoco Union 76 MasterCard®
Provided by: Citibank
Total Posts: 3
Average Rating: 1.33
Category: Poor Reward - Gas
Date posted: 2/23/2005

Review: Will use other other credit card that we have seldom used
Best Feature: Standard gasoline charge as any other fuel credit card
Worst Feature: Citibank
Overall Rating: 1
Benefit Rating: 1.5
Service Rating: 3
Recommend: No

Credit Card: American Express® Platinum Card
Provided by: American Express
Total Posts: 54
Average Rating: 4.37
Category: Charge
Date posted: 2/23/2005

Review: I started out as an Amex Rewards Gold Card member in January of 2003 after a pre-approved notice was sent to me in the mail. Had the Gold Card for a total of 8 mnths, and because of my high monthly spending, ($2000+) was upgraded to the Platinum Card. The first thing that I took note of, and have come to appreciate, is the professional, helpful, courteous Customer Service Reps; Always ready and willing to answer any question and fulfill almost any requests. I have used the Platinum Concierge Service several times in the past 2 years and have always been pleased with the end result. For my mom's birthday, I called Amex and requested that a basket of Elizabeth Taylor products (ie; White Diamonds, Gardenia, lotions, etc.) be sent to her at work. The Rep assured me that everything would be taken care of and that she would receive the gift basket before the end of the school day. Somewhere along the lines the request was messed up. The vendor that Amex had used to get the products for the basket got the wrong stuff. The Rep contacted me immediately with the status of the order and suggested alternate solutions. To make a long story short, Amex Called Bloomingdales in NY, NY and had them prepare a basket with a mixture of the products from Origins. Amex then proceeded to have a personal car service pick the basket up from Bloomingdales (free of charge to me) and bring it to my home; I live in Brooklyn. Needless to say that my mother was very happy with her gift basket and was amazed that all of this was put together by Amex. Used Pltnm Trvl Srvs to book travel reservations to New Orleans and thought that everything had went through. 1 week before my travel date I contacted Amex to confirm my reservations and was told that something had happened with my reservation and that it was kicked out of the hotels computer. Amex quickly contacted the hotel in New Orleans, negotiated with the hotel,(which was completely booked) and somehow had arranged for me to stay in a suite, but paying the same rate,(which was significantly lower than the rate at this point in time) that I had originally been given when I first made the reservation. Needless to say that if it weren't for Amex, I would have arrived in New Orleans and realized that I had no hotel room waiting for me. It can't get any better than this... Or can it, (Centurion?). I love this card, love the reaction from cashiers and on-looking customers when using it, and most importantly, I respect American Express for the way that they handle and treat their most valued clients. I refer to my myself as a cliet of Amex because I have forged a very positive financial relationship with this company. They're not just a card company, their a business who's made it their business to take care of their select group of Card Members, (I can only speak for Platinum Charge Card Members). It's definately worth the annual fee... Treatment from Cust Srvc Reps is standard setting... NO SPENDING LIMIT... Practically limitless abilities...Oh... And by the way, I'm only 23 yrs old.
Best Feature: Platinum Concierge
Worst Feature: none
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes

Credit Card: First Financial Bank Visa® Card Card
Provided by: First Financial Bank
Total Posts: 72
Average Rating: 1.70
Category: Regular
Date posted: 2/22/2005

Review: I've had my card for almost 5 yr. Last yr. I used it to purchase my wife (then fiance) an engagement ring. everything went through fine and i was approved and purchased the ring. On the next months statement they informed me that my account was maxed out. I didn't thing much of it after all I did just make a big purchase, so i went on making payments, always over the minimum, to make sure i paid the account off in full before we were married and might have needed it. Eight months after the purchase my balance was down to below a thousand, and my so called LIMIT was well above that, so we went to purchase a new living room suit. The card was denied and i called First Financial to find out why. All they could tell me was that I was over my limit and I knew that i wasn't. After a three hr. run around i finally told them to just cancel the account. They did but they said they would have to charge me a service fee each month until the balance was paid. I told them they could inform my lawyer of it. I hired an attorney and upon his first interview with First Financail They settled with waiving the remaining balance and closing the account. Yea it cost me more than the balance in attorney fees but i refused to pay this so called financail institute for a card that i wasn't, no couldn't, use due to their stupidity
Best Feature: Ha
Worst Feature: Everything
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No

Credit Card: Amazon.com Platinum Visa® Card
Provided by: Bank One
Total Posts: 17
Average Rating: 2.74
Category: Reward - Retail
Date posted: 2/22/2005

Review: You were the best company to give me credit when I didn't have a good credit history. Thanks I will always be a good customer.
Best Feature: Good credit available
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: 23
Average Rating: 1.46
Category: Retail
Date posted: 2/22/2005

Review: dont even go there. the best thing i would say is to stay away from any promotions and dont even apply. my husband and i were going to get a washer and dryer so we sat and discussed our options. there on the table was where they had the ad for next week for 6 months no interest. which we all know that means same as cash. we then decided to come back the next day so we could get the prom. and the saler said they would let us go ahead and have the prom now. we therefore purchased a washer and dryer. need to say will pay off card w/ lowes asap and never have another one with them it has been an on going head ache. we are very disappointed in lowes credit card dept. you go in to ask for a charge history on your card and lowes can not help you, you have to call the credit card dept. then another thing that think is wrong is they charge $10.00 over the phone payment it does not pay in anyway to have a lowes card. please for your on reasons stay away from lowes charge cause when it comes to their charge card lowes also known for lowes stands for the lowest prices around HA not in the long run of it.
Best Feature: none
Worst Feature: not being able to pay over the phone at no charge
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No

Credit Card: Express Card
Provided by: World Financial Network National Bank
Total Posts: 28
Average Rating: 2.13
Category: Retail
Date posted: 2/21/2005

Review: I was trying to deal with a fraud item that they were supposed to report as ok to the credit reporting agencies in 2002. I finally got a direct number to the fraud dept, maybe this will help some of you - 800-888-1726.
Best Feature: none
Worst Feature: none
Overall Rating: 3
Benefit Rating: 3
Service Rating: 2
Recommend: No

Credit Card: USAA Platinum MasterCard®
Provided by: USAA
Total Posts: 26
Average Rating: 4.75
Category: Regular
Date posted: 2/20/2005

Review: BEST COSTUMER SERVICE I HAVE RECEIVED. THE ONLY CARD YOU NEED IN YOUR WALLET.
Best Feature: FRIENDLY COSTUMER SERVICE. HIGH CREDIT LINE. SECOND TO NONE.
Worst Feature: NONE
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes

Credit Card: Sears Gold MasterCard®
Provided by: Sears
Total Posts: 124
Average Rating: 1.96
Category: Regular
Date posted: 2/20/2005

Review: We have been customers at Sears for nearly 30 years. They have now decided to charge you just to use your card. We have ALWAYS paid off our balance due every month. Supposedly the new year brought additional Finance charges to our account even though we paid our account in full. January's bill included a $25.00 charge for the "rewards Participation Fee" which we did not wish to participate in. I called and was advised to deduct the $25.00 from my payment, and pay the remainder of the bill. NO WONDER!! I paid my bill by electronic bank-payment on the due date of Feb. 05. February's bill arrived.......they have now added Finance charges for the $25.00. We purchased a microwave for $171.00 in January and just the first week of February we purchased new tires for our truck for $600.00. I called Customer service and was told the following........If you wait until the DUE date on your invoice, there will be finance charges on the total amount outstanding on your bill.....starting from the date they print your bill. SO....we purchased the $600.00 tire on Feb. 07...posted to our bill, Feb.08....the bill was supposedly printed Feb. 10th. The US Postoffice delivered my bill on Saturday, Feb 19. That means I didn't have my bill in-hand to pay until Saturday. BUT the due date is actually March 09. The microwave was purchased Jan.16 and posted Jan,17........just think how much finance charge will be added to my next statement on these two items because they are charging the finance charge based on the "PRINTING DATE" of the bill. I have NEVER used any credit card that has charged a yearly fee for the use of their card. Likewise, I will no longer use my Sears card....they are actually charging me for the use of my card. As much as we usually spend at Sears on a yearly basis, we would probably be better off paying a $25.00 fee for the card up front..instead of this "Hidden" charge based on what I actually purchase at Sears. Can you believe a store that charges you more because you buy more from them.????? We have a very large Credit Line with Sears............we will NOT be purchasing anything else EVER from them. vis credit card or CASH. They don't deserve making any more money from us.......we have been very loyal to Sears.....They are being VERY UNFAIR to their best customers........Why should we pay for "Using the card"......Our business will go somewher else!
Best Feature: Discounts offered for purchases
Worst Feature: Finance charges even if balance paid in full each month
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No

Credit Card: Harley Davidson® Visa® Card
Provided by: U.S. Bank
Total Posts: 8
Average Rating: 4.25
Category: Reward - Retail
Date posted: 2/18/2005

Review: I have several cards and I do favor the h-d high performance card because I can use it to buy my accessories. I can't use it any where else. but when you look at what my interest was @ 8.9% that kind of shoots the benifits in the rear @ 10.2% might as well say that were paying for our own points when you include the 1.3% increase. but fortunately I never carry a balance on any credit card, I pay them off each and every month so in essence I have a 0% interest,so in that respectI'm ahead of the game by not paying a minimum required payment that's what they like.
Best Feature: if you like to buy harley accessories then it's great because you have no other choice
Worst Feature: 1% on purchases is not enough my interest was 8.9% 6-8 months ago and now it's 10.2%
Overall Rating: 5
Benefit Rating: 1.5
Service Rating: 5
Recommend: Yes

Credit Card: Bank of America Visa® Check Card
Provided by: Bank of America
Total Posts: 47
Average Rating: 3.87
Category: Debit
Date posted: 2/17/2005

Review: I have only had my Bank of America check card for a short while now. Out of all the checking cards, or credit cards that I have held, this bank does a much better job for the customer. My card came to my house shortly after I opened the account, and it came with my picture on it. I love this feature, because now I don't have to have my lisence handy everytime I need to use my card....my identification is on the front. I also love the fact that I received an extra keychain credit card. Talk about convienent. As a woman I hated carring a purse everywhere I go, because I might need my check card. Well, with the handy keychain card, all you'll need are you keys. These are just a few reasons why Bank of America beats the mold! The only way you'll ever really find out is to try them yourself!
Best Feature: It's convienient ans it's safe. Since my picture is on the front, no fraud worries.
Worst Feature: I take it everywhere and end up spending too much money. What's a girl to do?
Overall Rating: 3.5
Benefit Rating: 2
Service Rating: 4
Recommend: Yes

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