First USA

Pros: None that I know of
Cons: Everything

Don't feel bad. I was one of those suckers. I was like everyone else. I was lured in by the low interest rate. 3.9% for the first six months and then a set rate of 12.9% for the life of the card. I thought cool. I could transfer a balance from the higher...

Pros: on-line statements and bill payment
Cons: constant interest rate change

I got a first USA visa several years ago and still have it. However, they are constantly trying to raise my interest rate. My last statement reflected that they raised my interest rate from 15.9% to 21.95% - and I am never late on a payment.

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Pros: Great Interest rate and company!
Cons: A fee for transferring balances

I selected this card to begin with for the low interest rate they offered me and have stayed with them because of their great service. I have had this card for 3 years and have never once had a problem with this company.
I just recently...

Pros: ?
Cons: Very deceiving company

I'm a bit embarrassed by how long it took me to notice what was going on, but I feel compelled to help spread the word of warning regarding this unethical, unscrupulous company.

The hook they (First USA) used to get me was an introductory...

Pros: great card member website, great customer service
Cons: have not come across any yet

I noticed there were several opinions here on Epinions.com that were not so favorable for First USA credit cards. Let me tell you about my experiences, because they seem to different than some of the other people here. I originally had a card from the...

Pros: Cancel all of your First USA cards
Cons: no

In late September 2000, my First USA credit card was fraudulently used for cash advances (about $1000) after almost a year of disuse. I was in Berkeley, while the cash advances took place in Los Angeles. I reported it to First USA once I got the...

Pros: n/a
Cons: Please read above

People who work for credit card companies are probably decent people trying to make an honest living. In my opinion, First USA may have different hiring criteria for their "rate setters". I've heard over and over from people I know who had...

Pros: low APR, decent customer service, online payments/account info.
Cons: ...it's a credit card.

I have a Yahoo! Visa from First USA. I have a revolving account with balance (which I'm trying to pay off).

To concentrate solely on the First USA product (not my account specifically), they have decent customer service (always helpful, and...

Pros: easy to obtain
Cons: poor service, hidden fees, late statements

I received a pretty good deal through the mail for a First USA credit card. I decided to try it out and what a mistake that was! Let's just say there is not one good thing about this card except that it is easy to obtain. Constant phone calls with a...

Pros: fair method of computing interest, easy to apply, poor credit okay, $1000 credit limit for most folks
Cons: interest rate could be better

I have had poor credit in the past, despite the fact that I didn't have any credit card history. I also knew that I could easily improve my credit history by getting a credit card and making good payments with it. The problem with that is that most...

Pros: good customer service
Cons: have to watch the extra fees they will charge if not watching

I have had my First Usa charge card for a few years but until recently I really didn't use it, it was one of those cards you apply for but then put away in case of emergencies. My husband and I decided we needed a joint account and all I had to do was...

Pros: Payments can be made on internet
Cons: website is rarely fully functional

I have two First USA cards, one Visa and one Mastercard. They have good APRs (9.9 fixed), but it's always a pain to get to their website and make a payment or view your statement. I visit their site maybe twice a month, and every time I'm there, I find...

Pros: 1 free mile on British Airways for every 1 dollar spent.
Cons: 50$(65$ for platinum) annual fee. Ridiculous charges 3% (10$ minimum) for cash advances.

This is a British Airways affinity card offered by First USA. There are only two positives for having this card, and both of which are only relevant if you fly overseas (or are planning to)on British Airways.
1. You get 1 frequent flier mile on...

Pros: LOW INTRO APR
Cons: Poor Customer Service, False Platinum Benefit informtion

This bank is so bad its funny.

1. CSR's have their own interpretation of what Platinum benefits are.

2. Account managers never seem to want to talk to the customer about a small problem. Instead the customer has to write to the...

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 ...