Credit Cards

WIth all of the different credit cards out there, it can be tough to decide which credit cards to carry in your wallet. This directory of credit cards and credit card offers can help you decide. Read reviews of different credit cards, rate the credit cards that you carry, and explore the latest credit card offers.

Recent Happenings

484 days ago

I've had a CitiBank credit card for more than 8 years with a perfect payment history. Because another even worse bank, Chase, which took 15 days for a balance transfer, CitiBank declined a check from them that I wrote to the IRS, when my payment to Citi was a whole terrible 3 days late. Way to treat your good customers!!!!!! I will be closing all my accounts with Citi as soon as possible.

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654 days ago

One of the worst companies out there. I was a 10+ years credit card customer. They kept raising my limit without me asking. They gave me an O.K. interest rate 15.9% with my perfect credit. THen I found out they were giving my sister with less than perfect credit 12% rate. I called to complain, they did NOTHING. THey would not reduce my rate. Anyway, I continued to use their card begrudgingly and then suddenly they raise my rate to 22% for NO REASON at all!!! I had a fixed rate of 15.9 for years. I payed 10 times the minimum payment every month. I never missed a payment for 10+ years. I complained and they did NOTHING. I have stopped using them and would never recommend them to anyone. They are blood suckers and will suck you dry if you owe any money. Avoid at all cost!

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689 days ago

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722 days ago

I signed up for an Upside Card on 8/17/11 and received it within 7 business days. It appeared to have great features, until I misplaced my card. I called to order a replacement card, which was 9.95, which I didn't mind paying. However, I've moved into my dormitory since applying for the original card, therefore I wanted my new card sent to my current address. I was told the first 90 days your address couldn't be changed. After pleading with the customer service rep over the phone, I asked for any alternative to getting my card to my new address.

I was advised to fax over a copy of driver's license, utility bill, and a letter give authorization to release my new card to my most current address. Well, I faxed over my license and the letter (being that I am in college, I have no utility bills), and my parent's electric bill. I called to verify confirmation and was told that the bill was unacceptable (although in the letter I explained I was in college with no utility bills. The following day I faxed over school registration info proving my current living quarters.

I contacted Upside customer service to verify receipt of this information, and again was told this information wasn't sufficient. Finally, I asked for a supervisor...only to be told that there was no supervisor on duty (which was ironic, because the documents I'd faxed over were attentioned to supervisor on duty)...strange, right?

Being that my original address was in OH and I'm currently in GA, I wanted my card to come directly to my current address. My payroll was deposited within days of this issue, and I had no other income. The end result was me having the card rushed to my parent's address for $15. Then my father had to paid $23.90 to have it rushed to me....all simply because I didn't have a utility bill registered in my name. I am only 18!!!

To top off my misery, I was charged 0.99 per call (7 calls total). After receiving my card, I called to activate it...because it wouldn't allow me to activate the replacement card online. After verifying my address (parents'), I was told the address was incorrect...which was ridiculous. I was then told that the address was completely wrong and that the state didn't even match. From there, I gave my current (dormitory) address, and was told that was the correct address.

After 10 ten days of attempting to resolve this problem, which resulted in me faxing documents, paying rush delivery fees, having the card sent to the original address, and my parents still having to receive and mail my replacement card to me....Upside had actually updated my address!!!! I was furious. I took out all of my money and switched to the univision prepaid card....excellent choice!!!

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806 days ago

The Discover Card is also very good for balance transfers, since you get 0% intro APR for balance transfers for the first 15 months. You might want to make a note on your calendar when the 0% APR on purchases and balance transfers end, so that you can budget your spending in advance.

It is also one of the best cash back cards as you can get 5% cash back on different categories throughout the year. You might also want to consider carrying a few different cash back cards so as to maximize your rebates when a particular card has a higher rebate on a certain category. We highly recommend this Discover Card.


Get $50 Cash Back from Discover!

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868 days ago

After having a checking and savings account with Chase for over 20 years, I have closed both accounts forever. I actually have a Washington Mutal account for a long time and Chase bought them out. As soon as they bought out WaMu, they started to slap $10 fees on my checking account. I called to complain and they said to avoid this, I needed to have direct deposit into my checking. I get paid with paper checks. Goodbye forever Chase, you theiving crooks.

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892 days ago

I used to had a secured credit card through Orchard Bank. It was a good experience at the time because it was the only way I could get credit. However, things did not run as I was initially told they would. I never got the interest I was initially promised on the amount the bank held as collateral. And it look much longer than I was initially told before I finally was able to change to a regular Credit card. Overall, if you have bad credit and don't want to pay a bunch of fees you can't afford anyway, secured is the way to go..

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919 days ago

Not having a checking account at a local bank, I decided on getting this upside card to deposit my tax refund. I applied for the card on Jan. 29th and waited the 10 days to receive the card. On the 12th day I emailed them to tell them I hadn't gotten the card. The responded with a standard reply of: it takes 10 days to get the card. Even after I just told them it had been 12 days already. In the meantime I file my taxes and have my refund direct deposited onto the card. So, on Feb 11th the refund is on my card, but I have no card. So I email them to tell them I still haven't gotten my card. They respond that they will send me another card. So the next day I log onto my account and see that they have charged me $9.95 for a replacement card, but I don't know if they have mailed the card yet or not. I have bills due Friday, but I'm not expecting the card to be here by then either. When/if I do get the card and get it activated, I will run as fast as I can to the nearest ATM, withdraw the maximum each day until I get all the funds (minus their fees) and forget it. While they may be within the law (questionable), this is a scam for the company to get what fees it can from those unfortunate enough to be able to get a regular debit card. My advice is NOT to get this card.

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Votes on this review: 6 Helpful / 0 Funny / 3 Agree / 0 Disagree

957 days ago

Review Icon hieunh reviewed Visa in Credit Cards:
I have no problem with my credit card, it is a smart way to use the money for the things you like without lose immediately the money in your pocket. Of course, you must be truly its owner to use it efficiently, or you will become a debitor of your card.

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962 days ago

HORRIBLE HORRIBLE HORRIBLE HORRIBLE!!!!!!! DO NOT GO WITH THIS CARD!!!! WORSE EVER!!!!! Ok here is the story. I had fradulant charges on my account so I had to call them to try to get the charges back ($2.99). When I called this first time they did all the stuff they needed to do to try to investigate it. They had to cancel my card to be able to send me a new one ($8.95). We did this on Nov. 23, 2010; here it was Dec. 8, 2010 and still no new card. Called them again to check on the status of this problem ($2.99) and they said well we sent it out so I don't know what we can do instead of trying to see if they can he just said they can't. I asked to talk to a supervisor like I have done plenty of times when I call, but again big suprise no supervisor was supposibly available to talk to. I hang up get online and email them. 2 DAYS LATER I FINALLY GET A RESPONCE!!!! They told me that all they can do is send me ANOTHER new card ($8.95). This was now Dec. 10, 2010. I demanded that they send it rush delivery so I will get it within 2 days because I had money just setting in my account that I needed to pay my rent and all my other bills so they wanted to charge me for that too ($15). Dec. 14, 2010 still nothing. I try to call them one more time to talk to a supervisor ($2.99) and when I get threw again there is no supervisor to talk to and I demand he gets one for me and he said he couldn't that he tried what he could then hung up. So here I am even more pissed with them. I call back again to really rip them a new one telling them how I feel ($2.99) and again they hang up when all I said is that I am really tired of how they are treating there customers and then thats when they hang up. I finally get threw to them agian on Dec. 23, 2010 ($2.99) telling them still nothing on the rush delivery. We check my address; its all right nothing is with that. They try blaming the post office. We get a new one sent out for a third time ($8.95). Here it is now Jan 9, 2011 and I still don't have a card. I have about $756 on my account after all my direct deposits and not being able to touch any of it and after all the charges that they charged me and REFUSED to refund me because of there mistakes I am down to $699.20. The amount that I was trying to dispute was only $50.23. I spent about $56.80 to get $50.23 back. That was a waste and Upside is not wanting to do anything about all the charges that they charged me for nothing. O and did I mention that the people at Customer Service barely know how to speak english. Yes thats right. There head office is in India. Here I am on Jan 9, 2011 with still no card at all. I am still waiting for a card. They do not know how to treat there customers with any respect. DO NOT GO WITH UPSIDE!!!!

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Votes on this review: 7 Helpful / 1 Funny / 6 Agree / 2 Disagree

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