First USA

Pros: Low introductory interest rate
Cons: High fees; Unethical practices; Weak customer service

Most Americans hold at least one visa or master card from a well- known financial institution. Among the many issuers of credit cards, First USA ranks among the most popular. This credit card company is headquartered in Wilmington, Delaware, and it’s the...

Pros: You can charge things with it
Cons: Everything else

My FirstCard (which was not part of First USA back when I got it) was my first real credit card (I had a low limit - $500 - Visa from my credit union). I got it in college, when credit card companies hand out credit like candy. It soon upgraded to a...

Pros: Well, they seem to offer a lot of decent balance transfer options.
Cons: They need to do a better job of communicating to their customers.

Here's the review I wrote about First USA back in early 2000: If I were the President in charge of Consumer Affairs for First USA Credit Cards, I would fear for my job. I know of no one who has had a positive experience with First USA. All of ...

Pros: um, pretty cards?
Cons: poor customer service, eternal accounts

A number of years ago I got a First USA Card (back then it was FirstCard). It had a high interest rate, but I wasn't as financially "astute" as I am now. I didn't use it much and usually paid it off in full when I got the bill. After I...

Pros: They have a nice website! Cash back.
Cons: APR too high, fees

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...

Pros: none
Cons: awful to do business with, charges late fees in error, raises interest rates

My first and foremost advice is DO NOT get a credit card with First USA, also known as Bank One. I've had a card with them for 3 years and have had endless problems.

Things were fine for the first year. The company was very easy to...

Pros: it is a VISA, accepted almost everywhere
Cons: ballooning interest rates, poor customer service, shameful money handling

First USA offers some amazing deals. Low interest rates, balance transfer checks, and ATM pin numbers are just a few of the ones which got our attention. But be careful, signing a contract with First USA is like making a deal with the devil.

...

Pros: low interest rate (but unstable)
Cons: poor customer service, shoddy business practices

I got a credit card from First USA because they were offering a great interest rate on balance transfers. The interest rate was good only if no payment was ever late, at which time it would jump up into the 20% range. No problem, I thought. I am...

Pros: Absolutely None!
Cons: where do I start?

When I was 19, I received my very first credit card, a First USA Visa. Looking back, I'm glad to say I was very responsible with my card, always paying the balance on time and never abusing the "credit" privileges. I had a great...

Pros: occasional low interest promotional rate offers
Cons: participate in mail and phone frauds

My husband and I have only been married 4 happy years. We both happened to have First USA Visa cards, accounts opened when we were single, and on occasion, we have taken advantage of special low rate offers they have made to transfer higher rate...

Pros: No fee for vru payments, product trade abilities, resolicitation offers, 24 hour service.
Cons: All notices should be enlarged,printed red on statements, so there would be no excuses

I've had many credit cards: Citibank, Discover, American Express, Chase, Bank of America, Universal Card, Providian and Capitol One, just to name a few, but I must say that the only card in my wallet now is First Usa previously First Card due to their...

Pros: Good interest rate
Cons: Late fees, bad customer service

First USA has the distinction of being the only credit card in my 20 years of using cards that has charged me a late fee. I admit that my payment, due to whatever reason, did arrive 1 day late, but it cost me a $29 fee.

My wife and I have...

Pros: Lots of freebies, many opportunities for low APR, no annual fee.
Cons: none

I was surprised to find all of the negative reviews on First USA. I have had several cards with them over the last several years, and I have never had a problem that they didn't clear up fast and courteously. Here's my experience.

First USA...

Pros: online banking * high credit limit * grace period each month if you pay off your balance * no yearly fee
Cons: very high interest rate * very high penalty fees * telemarketer phone calls

If you decide to become a First USA credit card holder you will find perks and downfalls with their service. I suppose the good features slightly outweigh the bad ones, since I have been an active cardmember since 1995.

I...

Pros: high credit limit
Cons: high credit limit, high interest, unhelpful

First USA is a HUGE money sucking credit card company. I have been a host that they have been leeching off of for more than three years.

I got sucked into them with the lure of a low interest rate. 3.9%. After that it went up to 17%. I was...