First USA

Pros: Decent initial transfer rates.
Cons: Terrible customer service, telemarketing at dinner, "lost" bills, mysterious double penalties.

We had a First USA VISA card through my brother-in-law's company, Edward D. Jones. EDJ is just a name, they had (to our knowledge) nothing to do with the card. For the first few months all went well. We transferred a balance from another...

Pros: No pros to this card.
Cons: annual fee. refusal to lower rates. raise rates exorbitantly without cause.

This is one of the worst cards out there. It was the first credit card I ever got. It offered me a $500 balance when I opened it in College around 1996(?). I used the card responsibly. My credit limit was eventually raised to $2000. I ...

Pros: Interest rate, customer service, web site
Cons: none, really

Never had a problem with them. I have had a First USA credit card for quite a few years. I asked for an interest rate reduction by mail. 2 weeks later, they call and leave instructions to call them about reducing the interest rate. ...

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: none
Cons: poor service, high interest rates, unsolicited mail

these idiots charge too much interest as soon as they can; I had the card for a year & cancelled it; 5 years later, they still hang to my personal information & keep sending me offers to come back each week & haven't deleted my information inspite of...

Pros: It's Visa. The statement is clear. The web service is actually quite decent.
Cons: Dreadful customer (dis)service Expensive card, among the highest APRs Arrogant company

It is the fees that got me upset. Not so much that the fees are hidden (they are not), but that you ...

Pros: Accepted everywhere, no fee.
Cons: Will not remove late charge, raise credit limit without authorization, impolite customer service reps.

First USA offered easy credit, low interest balance transfers, high credit limit. This sounded very ...

Pros: None
Cons: Illegal interest and late fees charged.

I had been a customer of Bank One/First USA Bank for 9 years with excellent credit. My wife was out of town (500 miles away, in another state) on business when Bank One called me regarding unusual credit card charges. I immediately contacted my wife and...

Pros: BancOne is a profitable company, so if you're a shareholder you should be quite satisfied.
Cons: Yes, "cons" sums it up nicely.

You'd think I'd be over this, but I'm not because, well, it's still haunting me. This is the typical FUSA story: Original card is at 4.9, magically switches to 12.9, we complain, they "fix" it by giving us a new account and card with a permanently low...

Pros: Nothing more than any other card can provide
Cons: Horrifically bad customer service department

I filed a change of address about a year ago. Somehow, the update never got entered into their database. All sorts of excuses were given to me as to why this happened, culminating in having the blame shifted to me and the U.S.Post office. I did not...

Pros: 1-800 number. Which is good since you will spend hours arguing about your statement.
Cons: Rude customer service,lied to about my account, Poor communication, will not keep promises.

I have never been so upset with a credit card company before in my life. First USA is very hard to deal with. They lose things, they dont track your phone converstaions, they call you at work, they are rude, poor communication skills with their...

Pros: Polite, knowledgeable Customer Service
Cons: Does not care about customers Arbitrarily applies hidden policies

I had a $13,500 credit line with First USA Visa and had never made a late payment or given them any other reason that would have jeopardized my credit rating with them. I decided to take advantage of a 6.9% balance transfers they mailed to me, it went...

Pros: besides being a high interest credit card I can not see any?
Cons: fraud and illegal practices

I am outraged at the behavior and harassment perpetuated by the First USA bank and have contacted the Better Business Bureau, State Banking Authorities as well as Federal Deposit Insurance Corporation. Our family is also considering legal action.
My...

Pros: After being scammed by First USA VISA the customer relations division was quite helpful.
Cons: A cold call from First USA representative offered up-grade of our current VISA card. Lie.

My wife received a cold call about six weeks ago. The caller said that they were offering an up-grade of our current VISA card. My wife agreed to the up-grade. We accepted the new cards on arrival, not noticing that this was a different company which...

Pros: There are no "pros" when dealing with First USA.
Cons: This credit card company cannot deal honestly with their customers.

First USA as a credit card company seems to have a difficult time dealing honestly with their customers. We had been good customers of First USA for many years and made a decision a few years ago to close most of our credit card accounts. We had been and...