Darn these people!
Written: Jul 09 '00
|
Product Rating:
|
|
|
Pros: They have a nice website! Cash back.
Cons: APR too high, fees
|
|
|
| stacyintx's Full Review: First USA |
Originally I had a GE Rewards Mastercard, but recently First USA bought them, or the credit card department, or what-have-you. I had always been happy with my card when it was a GE card, however it has since become a nightmare!
Last year, when my husband was getting a new business going, we made a few late payments. I realized on the next statement that my interest rate was hiked up to 21%. With all of the competition and incentives to go with a competing company, this had me really frazzled. Did they really think I was going to stay with them? That I couldn't easily transfer the balance to some lower interest rate card? I called them. The rate increase was due to the payments being late (on top of the $29 late fee they charge) and fortunately they did lower it to 17.9% unless I was late again. Well, an interest rate of 17.9% is still too high.
Then, in the attempt to finally just get the darn card paid off, we sent in a rather large payment. They actually called me on the phone to see if I was unhappy with the card! I explained to them why I was unhappy, but didn't get any kind of incentive to stay with them.
They have called a number of times in the hopes of getting me to use some other service they offer, give me a cash advance, you name it! They are as bad as all the other telemarketers!
With all that said, I still have this card. Not really because I like it so much, I don't. It's just a convenient card to carry as it is accepted anywhere, and I get cash back. (Unless you pay off your card purchases each month, this is not something to get excited about)
I plan on closing this account in August. I don't care for the service I have received from them and the interest rate is just too high.
Recommended:
No
|
|
|
|
Epinions.com ID:
stacyintx
|
|
Member: Stacy
Location: San Antonio, Texas
Reviews written: 110
Trusted by: 82 members
About Me:
I'm a SAHM to my 5 yr old daughter, and our dog and cat. :o)
|
|
|
- Add to My Yahoo!: 
- Add to Google Homepage: 
© 1999-2009 Shopping.com, Inc.