Chase - Visa Review

How do I go about reviewing a credit card? You can either complain about it or you can admit you have one. Any card worth shouting about would have a ridiculously low interest rate, would call if they thought a payment was late, and... I don't know, I can't really think of anything else I would expect from a credit card.

I do like that my APR has stayed relatively low for so long. That has come in handy during the current financial state of the nation. I also like the rewards program. Any card that gives me money just for using it is aces in my book. The rewards program was kind of annoying at first, but they have altered the program somewhat. Aside from the numerable gift cards you can cash points in for, you can also get a check. I know gift cards are fun, but I do not know why anyone would not choose that option. "I'll just take the cash, thank you." The great part about that is they just made a recent adjustment so that they will deduct that straight from your balance now, so you do not even need to wait for anything to come in the mail.

They do have a slow turnaround time when it comes to correcting security errors. Like when I told them I was going on vacation to Australia. While I was there, my card stopped working. Why did it stop working? Because they noticed a number of charges in Australia. Last month, my wife bought something online, but it turned out the company was in Canada. They put a stop on the card, and sent me an e-mail. That's great, but before I got that e-mail I took my wife out to dinner. Guess what happened? It was not corrected by the next day, as customer service told me, but the day after.