AT&T Universal

83 ratings (78 Epinions reviews)
Epinions Product Rating: OK
5 stars
18
4 stars
14
3 stars
10
2 stars
10
1 star
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    Highest Rated Consumer Review by the Community

  • Not a bad nor great card – the AT&T Universal (Platinum)

    Aug 8, 2002 by
    Rated a Very Helpful Review
    Pros: easy to read billing statement, waiver of balance transfer fees
    Cons: solicitations after you sign up for the card, interest rate only okay

    Summary: Note: this is a review about the AT&T Universal Platinum Mastercard. I kept on getting solicitations from AT&T via mail, so what the hell, I decided to sign up given the great deal they had on balance transfers. If I transferred a balance, it ... read more

  • Card Cancelled

    Jul 15, 2008 by
    Rated a Helpful Review
    Pros: It was convenient!
    Cons: Service representatives were rude and gave incorrect information.

    Summary: After renewing my card I received a change of terms letter from AT&T Universal. I talked to a rep of AT&T Universal and was assured my card was good until 2010 but at that time I would have to agree to the new terms or it would be canceled. The terms ... read more

  • BOTTOM LINE - IF YOU DON'T WANT TO PAY INTEREST DON'T USE YOUR AT&T CARD

    Oct 22, 2005 by
    Rated a Helpful Review
    Pros: Good customer service.
    Cons: Interest being charged from day one of receiving statement.

    Summary: We have had our At&T Universal Card for over twenty years and it has always been our first choice in credit cards. UNTIL NOW!!!! Received our statement today and noticed an interest charge and since the balance had been previously paid in full was ... read more

  • ATT Universal (Citibank) - only use if you're perfect

    Aug 29, 2005 by
    Rated a Very Helpful Review
    Pros: be on time or else
    Cons: be on time or else

    Summary: I too was a charter member of the ATT Universal card. Last year I setup on-line payments using what I'll call "checking account #1". I paid off a balance with on-line payments over the next few months and by the end of 2004, I stopped using the account. ... read more

  • AT&T Universal Card Woes

    May 20, 2005 by
    Rated a Very Helpful Review
    Pros: E-mailed statements and payment reminders, and on-line payments.
    Cons: No auto-pay feature available. Quick to increase your interest rate and lower your credit limit.

    Summary: To begin, some history. My husband and I had triplets in 2001. Our son was born with a heart defect and returned to God in early 2002. Our world literally stopped the day he died. For five long and unbelievable months after his death, neither my husband ... read more

  • Stay away from this card

    Jan 7, 2005 by
    Rated a Very Helpful Review
    Pros: none from my experience
    Cons: poor interest rates, outrageous late fees, lack of flexibility with customers, automatic default rate

    Summary: I have had an AT&T Card for several years. The customer service was okay and the interest rate less then good. The trouble started recently and it makes me furious. Four months ago my family moved from Alaska to Southern California (we drove). While ... read more

  • Interested Rate Increased & Horrible Customer Service

    Dec 20, 2004 by
    Rated a Very Helpful Review
    Pros: NOTHING..No PROS
    Cons: PLEASE READ!!

    Summary: This morning I called the 800 number for AT & T Universal Card and asked about this 28.99% rate I have for Purch/Cash Adv thru 12/29/03. I spoke to agents, supervisors and specialists all morning... First agent--didnt know what she was talking about ... read more

  • Do Not Allow Direct Debit, Do Not Trust Their Reps!

    Feb 8, 2004 by
    Rated a Very Helpful Review
    Pros: No annual fee, autopay feature takes money out on day bill is due, not earlier.
    Cons: Poor customer service and administration, autopay feature used to charge for disputed funds, no rewards

    Summary: I've had this card for 10+ years. I always pay my bill in full every month. I'd had an occasional problem with them not opening their mail fast enough and trying to charge me a late fee but they'd reverse it if I complained. When they started allowing ... read more

  • Considering Universal?

    Sep 30, 2003 by
    Rated a Very Helpful Review
    Pros: Offer low interest balance transfer rates with the transaction fee waived
    Cons: Always trying to get you in debt by increasing your credit card limit greatly!

    Summary: AT&T Universal Platinum Mastercard appears to be the top of all other credit cards. How may this be? Well, I've had this card for almost 4 years and I have to say they have the best interest and balance transfer rates around. The interest rate I have v ... read more

  • Don't carry a balance. Better yet, don't carry this card.

    Aug 13, 2003 by
    Rated a Very Helpful Review
    Pros: online payment, email statements
    Cons: punitive late policy, sneaky terms changes, solicitations, high interest rate

    Summary: I've had this card for about eight years. In that time their payment processing has been efficient a ... read more

  • Universal Card

    Feb 14, 2003 by
    Rated a Helpful Review
    Pros: Online feature is good
    Cons: OK till you have a problem

    Summary: I have an automatic draft against my Universal Card for a monthly charge. I tried repeatedly to contact the merchant to cancel my service. The minute the merchant found I wanted to cancel they put me on hold for an “executive account ... read more

  • Telemarketing Scam

    Mar 18, 2002 by
    Rated a Helpful Review
    Pros: Online Payment
    Cons: TELEMARKETERS!

    Summary: I had been pleased with the AT&T Universal, until the telemarketers began calling every night. The last telemarketing attempt was so unprofessional, that I've chosen to cancel my credit card through AT&T. The telemarketer calls and ... read more

  • Jacked up interest rate to 24.99%

    Feb 22, 2002 by
    Rated a Helpful Review
    Pros: None
    Cons: Jacked up interest rate to 24.99%

    Summary: Beware, this company will use any excuse to jack up your interest rate. I have been with them for 10 years but no more, if you are even a week late you might find that they have jacked up your rate. They refuse to lower it unless you do a whole song ... read more

  • A not bad card to have

    Jan 3, 2002 by
    Rated a Very Helpful Review
    Pros: generous credit line, easy to get platinum card
    Cons: looks good gift when you get it, but not too good

    Summary: I received an invitation letter to apply for a platinum card of att last November, and I did it at the early December, and I had thought that it'd be not very easy to get it since my fico score was not very high at that time because of a little bit ... read more

  • Universal, not quite

    Oct 13, 2001 by
    Rated a Helpful Review
    Pros: Credit Card and calling card and decent online mgmt
    Cons: Citibank now owns the show, Universal Rewards service is below par

    Summary: The Universal Card is like any other credit card. Interest rates are somewhat competitive. The online mgmt system is decent, lets you view statements, make payments, etc. The Credit Card doubles as a calling card, which is convenient. Citibank though ... read more

  • Not Worth It

    Aug 29, 2001 by
    Rated a Helpful Review
    Pros: none
    Cons: They are cheating me on finance charges.

    Summary: Here is a copy of correspondence I sent to AT&T: NOTE: It is almost September 2001 and I still have not received a refund or a reply from AT&T. Dear Ms. S: In April of this year, I contacted your service department to ... read more

  • It's a solid card!

    Jul 29, 2001 by
    Rated a Very Helpful Review
    Pros: Good APR
    Cons: Few credit limit increases

    Summary: The At&T universal Platinum card has been a good card for me. The balance transfer rate was fixed at 2.9% for a year. That alone saved me alot of money. And, it has a good rate after that, 12.99%. It's a no annual fee card, another plus. They also have ... read more

  • Jacked-up the interest rate

    Jun 20, 2001 by
    Rated a Helpful Review
    Pros: starts out with a good rate
    Cons: extra charges that you cannot control

    Summary: I have an AT&T universal card that I am very unhappy with. When I first got the card, I loved it. They had a low interest rate, and they had a special offer on balance transfers-which is why I got the card to begin with. The card had a limit of $3000, ... read more

  • Great Card. Saved me from Citibank.

    Jun 11, 2001 by
    Rated a Helpful Review
    Pros: Excellent customer service, good APR, got my first Platinum
    Cons: Nothing.

    Summary: Because of a bad series of experiences I had with Citibank, I needed a fast loan. A really fast loan! My other card, AT & T Universal had sent me a letter saying that now I was worthy of a Platinum card and entitled to all of it's privileges. I ... read more

  • A tale of two cards

    May 19, 2001 by
    Rated a Very Helpful Review
    Pros: No annual fee, great about late payments
    Cons: No extras

    Summary: As a college student, I applied for a few credit cards in order to start to build credit. Universal Bank was kind enough to give me a card with a rather large limit ($1500 for a college freshman???). I also applied for a Visa through my school, ... read more

Showing 1-20 of 78 reviews
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