Reviews about Credit Cards

angiehowell says "The capitol one visa card is the worst card out there!" about Capital One - VISA

angiehowell — Fri, 20 Nov 2009 08:26:40 GMT

I am reviewing the Capitol One VISA card. I was approved for this card when I was 23 years old. The first time I payed the card completly off I used a checking account. They had two different checking account numbers that I had used. When I told the company to use one and not the other they decided they would charge both. So the end result was my boyfriends checking account being overdrafted so much that I could not pay it off and it was closed due to it. The next problem that I had with them was when I became unemployed, due to unforseen circumstances. I had paid a monthly payment to be on a protection program to help pay my monthly bill if that were to happen, and when it came right down to it they only helped with one month and then I started to receive late fees that just got higher and higher. In the beginning my credit limit was only $200.00 and in the end I owed them over $600.00. This resulted in having it sent to a credit bureau and my credit score...

...

bernardkyle says "Chase finds ways to raise your interest!!!!!!!!!!!!!!!!!!!!!!!!!" about Chase - Visa

bernardkyle — Fri, 20 Nov 2009 00:09:34 GMT

I husband and I got marriaged in 2000, We both had children, his were in college, taking him to the cleaners, My oldest daughter was getting married in 6 months. He had only moved to town 4 months before, and lived with his mother, I had 2 girls and a large mortage for a single mother, but though working more than one job, I made sure that my girls wants and needs were meet, but very tied. We signed up for a Chase credit card, and put it in his name for I had not buildt credit in my name for over 10 years, my mortage was paid to a family member, and when it cames to cars I paid cash. Any way we got approved for $9000.00, We put his children, college fees, and board on it and help me finish paying for my daughter lrge wedding bills. We have since then paid off and reused again and again, but we had year ago used one of there free protion checks, we had went on vacation, and when we came back, I paid the bill, the next month we got a bill not with (0) rate but they had made (23.99)...

...

kristaroy says "Great Cash Back Credit Card..." about American Express - Blue Cash Card

kristaroy — Thu, 19 Nov 2009 23:18:51 GMT

American Express Blue Cash Card has been in my families wallets for several years now. What I like about it is every year, a month after your one year anniversary, which is November, for us you get a credit to that months statement. Every year it falls right around Christmas shopping, so I can always count on getting back anywhere from 100-200 dollars off my bill. Other than the cash back you get fraud protection, no annual fee, and great customer service. If you have any problem with your card, you can call them up and they will take care of it for you without any issue. Several times I spotted an charge I did not authorize. You can go online and dispute the charge and/or call them and they will investigate it also. This happened a couple of times to me and each time my money was credited back within a months period of time. Unlike most american express cards, this one has no annual fee. If you are looking for a good no annual fee cash back card, look into this credit card. I assure...

...

sneez says "We used to be customer friendly" about Capital One - capitol one

sneez — Thu, 19 Nov 2009 20:59:56 GMT

I was a capitol one customer for eleven years. I was never late on a payment and even kept it through a bankrupcy. After ten years I decided to open up another card with a small balance so I could have some extra money for a family vacation. the first day of my vacation which was about seventy miles from my house I purchased gas, which was fine. Twenty minutes later I tried to take out forty dollars at an ATM and was denied. I called Capitol One and was told the attempts were suspicous, O.K. fine. I explained them the situation and was told to fax them some information. Now remember, I am on vacation with my family. So at ten p.m. that night I paid the hotel ten dollars every fifteen minutes to use their computer, printed and faxed copies of a gas bill, pay stub, another credit card bill, and my license. The next morning I called and was told it would take at least two business days to reviw my case. I called back two days later(still on vacation with my family)and...

...

flynna0087 says "Not a bad card to have if you like rate increases." about Chase - Platinum Visa

flynna0087 — Thu, 19 Nov 2009 19:40:09 GMT

I haven't even had this card for a year yet and have already had two credit limit increases. This is a good thing and a bad thing all at the same time. It means I have the potential to charge more and pay higher interest rates and at the same time have the ability to charge items I didn't plan on needing. I like the fact that I can view everything on-line and would like to try the new "slate" program, but I don't make large purchases on my card. I make small ones for gas, groceries, and a few odds and ends here and there. It all adds up in the end, but I couldn't see the point for me to use the program. It seems like a well thought out idea for those of you who may make large purchases though. The reason I applied for this card in the first place was to have the ability to do a balance transfer because I was offered the 0% finance rate for the first six months. This was "not offered for the account" or so I was told by customer service. This was fine, but I would much rather have kept the...

...

aureliaromero says "my favorite card" about Capital One - Platinium Master Card

aureliaromero — Thu, 19 Nov 2009 19:15:14 GMT

I have been a capital one credit card holder since 2000 when i opened a secured credit card. Gradually i have been offered up to 4 credit cards and have had one card platinum mastercard go to a high limt. They have also lowered my Apr to 8.8 which can still go lower. I got these offers in the mail after i have been a customer. Otherwise I believe they are strict and only accept applicants with very good credit. They have 24 hour customer service and have free online payments. Payments made before noon are credited the same businsess day. they do charge $39 over credit limit fee. There payments online are free of charge. You can contact them by phone customer service 24 hours a day. Their security department does red flag alerts for customer protection. They call your phone number and leave a message saying please call capital one to verify charges and attempts of charges. They also waive occasional fees for convenience.

...

sulamita says "Capital One really NO HASSLE!!!!" about Capital One - No Hassle Miles

sulamita — Thu, 19 Nov 2009 18:30:51 GMT

Capital one No Hassle Credit card is a good choice for those looking to save, earn and relax. You save as you get miles for every purchase you make, this miles can turn into cash, gift certificate or miles which can be redeemed for air travel, cruise or hotel including all inclusive resorts. The best thing about the travel is that there are no blackout dates. You can choose to reserve travel through their site or you can arrange travel yourself elsewhere. So for instance if you find a good discount on a vacation at one site you can combine that with the mileage ang get the best deal on it. Their value for traveling is the following: 15,000 miles for travel between $0-$150, 30,000 miles for travel between $150.01 - $350.00 and 60,000 miles for travel between $350.01 and $600.00, therefore if for instance you buy an airplane ticket that cost $200 with taxes 3 people can travel altogether with 60,000 miles, which means that your friends and family can enjoy the rewards. Don't want...

...

tricktrick says "Confusing rewards." about Chase - chase freedom

tricktrick — Thu, 19 Nov 2009 17:06:25 GMT

The Chase Freedom card is rated as the top cash back credit card by financial review sites but I do not believe that is the case. Sure, you get cash back for spending money on the card. But when Chase is constantly changing their rewards system and changing interest rates, the card suddenly becomes a burden because it becomes difficult to understand exactly what you are getting as far as rewards. Another unfortunate and odd problem I noticed with the card was even if I paid off the balance in full to take advantage of the cash back and to avoid interest they still hit me with a $1 charge for no apparent reason. I never understood this and everyone I spoke with at the branch and the phone simply told me it was because I carried a balance when in fact it was paid in full each and every month. Chase is one of the biggest banks in the world, and now I know why. All those dollars add up and they know how to munipulate their own system to make every dollar they can from everyday people. I would......

Kathi4u says "Discoer Card-Best Cashback Rewards Program/Special Offers & More" about Discover - Discover Card Cashback Bonus

Kathi4u — Thu, 19 Nov 2009 08:48:07 GMT

I absolutely love using my Discover Cashback Card...Every 3 months you sign up to receive 5% cashback rewards in popular categories like groceries, gasoline purchases, hotels/motels, department stores, restaurants, movies, and more. The categories sort of fit the months, ie (gasoline, hotels, restaurants-June-July-August-The months you're more likely to travel), Also Discover has now offered 2% cashback on all purchases made November 15th-December 31th...Very nice for Christmas shopping. You can pay your bills each month and be rewarded cashback, too! Another special offer for the Christmas season is 0% interest until March 2010...Just don't over-spend, so you can pay off the balance before the promotional rate ends! The most important thing to remember so you can avoid paying interest is to budget your spending so the entire amount can be paid off each month, therefore, you get paid to use this card! The cashback can be redeemed many different ways also. You can...

...

pork says "account now debit card " about Account Now - anthony mastikian

pork — Thu, 19 Nov 2009 06:41:27 GMT

I have had this card for a while now and it is a very helpful card when it comes to paying bill online or over the phone i used it last year to buy plane tickets to arizona and it worked like a charm. i have had my checks from work electronicly depodited into my card for god knows how long, i have used it for grocery shopping and much more. i have also now refering anyone i can to take action and enjoy the benefits of account now and people are starting to sign up now. i am planning on using the account now card at all times its worth it and i enjoy using it. i can use it at the mall, coffee house, online purchases, paying bills on the phone as debit or use it as a credit card it really is nice becasue you dont have all the interest as you would with a regular credit card. with the economy the way it is people dont need to be charged all the interest because people are barely able to put food on there tables.

...

quest4ever21 says "Our taxpayer dollars bailed them out why don't they bail out us" about Bank of America - Visa

quest4ever21 — Thu, 19 Nov 2009 06:06:09 GMT

With all the bank bailouts which the American people are paying for, I believe consumers should have litte to no interest rates. Our country is in a crunch. We the people can no longer sustain bailouts, tart, or health reform. An example would be the cash for clunkers, it did not solve the problems. Our country is now at 10.2 unemployment rate, which shows how bad our economy is and will be for a long time. I am angry and would like to see Washington overhauled. There are to many chiefs and not enough Indians. We need to return to the basics. We need to live with in our means, save, and cut any credit cards we have. It is the governments fault that people are losing their homes. Even if youhave excellent credit it is impossible to get a credit card with a low limit so that you can shop on the internet and then pay the card in full each month.

...

ahossain says "capital one visa credit card sucks like no other" about Capital One - VISA

ahossain — Thu, 19 Nov 2009 03:36:06 GMT

THis company was a big pain in the ass to work with not that all credit cards companies aren't. I would get charged for every little thing so finally I just got fed up giving away all this extra money so I decided to cut da card up untill i didn't know what it was. They have some of the top of the line bad service and disresceptfull empolyees. If I could find the customer service rep. that i talk to i would punch him directy in the nose. This unprofessional, uneducated piece of monkey shit started yelling at me when I was the one that got over billed. Instead of making me happy like Mickey D's does everytime I go there even though I can't understand the sound of fuzz coming threw the drive threw they are doing a lot better then this asshole on the phone with me. After about 15 minutes of saying all the cuss words i knew i decided to hang up because I was getting no where yelling at this bamboon. You know what he does he calls me back and keeps cussing at me. After a few times i decided...

...

myviewtoday says "I would have a hard day if I forgot my Discover Platinum Card" about Discover - Platinum Discover

myviewtoday — Thu, 19 Nov 2009 03:11:25 GMT

I have had my Discover Platinum Card account for about sixteen years now. I use it for all of my day to day shopping, everything from groceries and gas, to lunches and clothes. It would be nice to see the utility companies and tax offices accepting the card without adding on additional fees. I intend on using this account for all of the things needed for my upcoming wedding. Although this card does not have the lowest interest rate of my cards, it is the first one I reach for due to the cash back incentives, grace period, and ample credit limit. On a recent trip, I found that it was not well received on the East coast - fortunately I was only there to visit! The recent changes to their site include useful graphs and charts - it is a great way to keep track of where the money's really going. All my shop-a-holic friends out there know what I mean. I would have a hard day if I forgot my Discover Platinum Card!

...

talifuss says "Earn rewards, cash, or miles with BofA Platinum WorldPoints Visa" about Bank of America - WorldPoints Platinum Plus Visa

talifuss — Thu, 19 Nov 2009 02:47:10 GMT

i started with bank of america when i was a student and wanted a simple credit card. after nine months, i asked them for a rewards card. they gave me worldpoints. basically, you get one point per dollar, and can redeem for merchandise, miles, or cash. recently, i wanted to move over to a 1% cash back card from another bank, but it ended up being more of a hassle than it was worth. one caveat- to get your worldpoints cash to equal 1% cash back, you need to redeem at 25,000 points or higher.

in addition, one other reason i keep the bank of america card is because of the awesome portfolio management software their site has. it's better than any other free site i've seen. it will pull all your online accounts, track your investments, categorize your expenditures (you can even add categories and it will learn them), manage your frequent flier miles and other rewards points, and pay your bills (well, with your money). you can also run reports on your spending and saving habits. it's a great tool...

...

wmarcuss says "Tribute mastercard is terrible." about Tribute - MasterCard

wmarcuss — Thu, 19 Nov 2009 01:01:46 GMT

I got this creditcard to boost my credit rating.And it worked.But the rates to join are way to high.With a $300.00 limit you pay about $250.00 in fees to get started.If you do not have credit it is a good way to get started and approved.I have had this card for a year or so.But they have changed my account two times so far.They sold out to someone else and I did not have a card for about a month the first time because they had to reissue it.That was not to bad.But then a few months later they did it again.It has been three months now without a card.And I still have to make a payment.They said I was to get one on this billing cycle.But have not recieved it yet.This has caused a hardship on me.Since I can not use my card.So if you want to go through all that do it.Other wise I would not advise this card to anyone to get this card

...

tohano1 says "CHASE is a bad company." about Chase - Platinum Visa

tohano1 — Thu, 19 Nov 2009 00:57:26 GMT

I have a Providian card and have had it for years. I have paid on time for ten years and always pay over what is required. I have been treated quite poorly since Chase took the company over.

I called them in advance of taking a trip over seas. I was told they had a record of the call and was told my card will work. The first time I use it Chase declined the card.

I had another occasion where I tried to purchase software online and Chase declined it too. No one told me and Chase never bothered to call to see if I actually did make a purchase. They just declined it. I waited a week for the charges to go through and called back before I found out the charges were denied.

I have a good credit rating and history. I am not happy with the Chase monopoly, buying up other credit card companies and treating their customers horribly. I will not use any Chase credit cards I have. I now prefer to use my other credit cards. I am treated much better by a number of other credit card companies.

Bottom...

...

jmd25 says "Capital One's the way to go" about Capital One - Capital One Platinum Master Card

jmd25 — Wed, 18 Nov 2009 23:20:30 GMT

I like Capital One because they give you a chance where most would not. When I got my first job Capital One gave me my first credit card. At that time I was estatic. They helped me build up my credit and eventually I was able to get more credit. I kept in good standing with them for a long time. Unfortunately I had to file bankruptcy a while ago due to the economy, but as soon as I can I'll make sure Capital One gains back my buisness. They will work with you if you are having financial difficulties. I think their intrest rate could use a little work, but overall Capital One is a fine card to have. Just make sure you read all the terms and conditions carefully, so you know what you are getting into. If you don't it can come back on you. I wish I was still a Capital One member. Their minimum payments aren't that bad either. If you have a limit of five hundred dollars and you spend three hundred you're minimum due is only about 15 dollars. As I said before I really like Capital One and I'm...

...

Tomorrow2 says "How Can I Get One?" about Diner's Club - Visa and Mastercard

Tomorrow2 — Wed, 18 Nov 2009 21:53:09 GMT

Hi, my name is Michele., and I woulld like to get A Diners Club Card. I understand that it is a Rewards Back Card or Something? I know that it could not take too much credit to be able to Get One. My mailing Address in at Michele Higa, General Mail Delivery or (3600 Aolele Street), Honolulu, Hawaii 96820. My Telephone number is at (808) 922-4790., or (808) 223-0649. I hardly hear of Too many Restaurants Honoring Diners Card anymore., maybe we can start something up in Hawaii again. does that Sound Exciting or Good to you?? . So if you want to do business with me, E-mail me or Call me, your Reply will Be Greatly Appreciated!!

I am a College - bound student at the University of Manoa, Majoring in PsyD., and Accounting, With a Theatre Major. If you want to you can send me more information at either also. I have an interest in Sports and am liking to go to Games, soon and all of that good stuff, so .. Hope to hear from you soon!!

Thank You!! Have a Nice...

...

ashwinchaudhari says "American Express card is perfect for travelling people" about American Express - Gold Delta Skymiles

ashwinchaudhari — Wed, 18 Nov 2009 21:48:56 GMT

I am using American Express card since last one year, i was usning another card before this. After using American Express delta skymile card, i realize that this is the best card for anybody who is travelling a lot, perticularly by air. This is also number one card for its reward program. I received 20,000 miles for joining which is more than enough for one free flight. I also use online services and it is awesome. i can see my spending by catogory, by merchant etc... i can analyze the spending of the month. I can also see the status of my miles.. there many reward program which can be used to earn miles.

...

MsKells says "First Premier Credit Card company a rip-off waiting to happen!" about First Premier Bank - First Premier Credit Card

MsKells — Wed, 18 Nov 2009 21:16:45 GMT

Ever applied for something on the internet and been so excited, just can't wait to receive it in the mail? Have you ever finally received the item and felt totally jipped? This perfectly describes my experience with First Premier Bank. The credit card company tells you that you are receiving a card with a credit limit of $250.00. However, when you receive the card you'll notice that you're available balance is only $79.00 because of all the bogus charges and fees that have already been billed to your account before you receive it. On top of that, you have to pay $25.00 to activate the card, which really means that your card balance is that of $54.00. You apply for the card with intentions of relieving some of your debt, when in fact you're merely placing yourself further in a bind then when you started. I would not recommend this card to anyone unless you're absolutely desperate for $30.00 and you have $25.00 to send in to "activate" your credit card.

...