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by juliette , Feb 14 '00
Pros: no actual billing mistakes -- is that a pro?
Cons: no sense of "customer service," seemingly capricious decision-making.
Of all the the credit cards I have ever had, this one was the worst. They did the usual -- start with a low APR and quickly but incrementally raise it, (like we won't notice going from 6.9% to 21.0% if they do it in three or four steps...) But most...
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by micheler , May 30 '00
Pros: Well known company
Cons: Poor customer service; make accounting mistakes
I have had a First USA card for over 10 years. Never had a problem with them, but now, it's nothing but problems.
On December 15, 1999 I made my payment, on-time, for $112.00. When I get my statement from them the following month, only...
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by benjaminyoung , Nov 03 '01
Pros: Excellent service, flexible rewards programs, large selection of cards
Cons: No smart chips on premium cards, high annual fees on some cards
When I first took a card with First USA, I expected the worst. I have since replaced my original account with several cards issued by the bank, including the First USA VISA Signature card. Surprisingly, this card has become one of the ones I use the...
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by CoralSea , Jul 02 '00
Pros: If you like being miserable, they will gladly accommodate you.
Cons: Poorest service I have ever gotten in anything.
About 4 years ago I had gotten a FirstUSA Visa card which had a rate of 14.99%. At the time I didn't have a Visa card and I figured I would not use the card much, but little did I know the grief I was going to get with the card.
First, there...
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by inkkognito  - Top 500, Apr 10 '00
Pros: Offers good deals (but good luck actually getting them)
Cons: Doesn't follow up on promises
First, let me start out by saying that my main basis for choosing a charge card is "What's in it for me?" My card of choice is Chase Mastercard, which gives me $25 in gift certificates for every $1500 I spend. My husband and I use our cards for...
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by chris_iam24120 , Feb 11 '00
Pros: I now own one less credit card
Cons: customer disservice, integrity, employees who care
I pride myself on knowing all of the best credit cards. I have over 8 and charge over $60k per year because of my business expenses.
I had been a loyal First USA card holder since 1992, and I really thought their new "extraordinary"...
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by cslaughter1 , Jul 18 '01
Pros: None
Cons: unfair interest rate hikes on fixed rates, "bait and switch" practices, poor customer service
UPDATE 7/27/01: I was finally transferred to a Manager upon my third phone call to First USA. The Manager is crediting half of my July payment because of the rate hike without notification. I have closed out the account and payment is being sent to...
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by ladybug25 , Mar 22 '00
Pros: good introductory credit limit
Cons: customer service, late fees, interest rate jumps, and on and on...
I too experienced a wide range of difficulties with First USA. I received a credit card offer from them seven years ago, and accepted. I was completely taken in by the low introductory interest rate they were offering (6.9%), and understood that on-time...
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by LauraRN , Sep 19 '00
Pros: ?
Cons: Terrible customer service
When I was first married, my husband, who didn't have any credit established in the USA, decided to apply for a First USA card. He listed me as an authorized user, or maybe they set it up that way, I don't even remember.
When we were married...
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by wan3 , Jan 18 '00
Pros: Implied
Cons: Everything real
This card started out to be a good card. I chose it because it allowed me to get a joint account with my boyfriend without checking his credit history. It also had a good introductory rate (5.9%, but since then I have seen many cards with better...
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by Margaret_W , Jan 31 '00
Pros: None.
Cons: Sleazy company
I used to have a First USA card. They enticed me with a low teaser rate for educators. I read the fine print carefully and saw what the rate would go up to and that was still acceptable to me. However, one day I got a statement and the APR had...
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by chpsk8 , Dec 04 '00
Pros: FUSA got their just reward!
Cons: Opening an account.
Class Action Suit that is! Today's mail brought a letter that made me laugh. Actually it was more like a dirty little snickering giggle. It seems that First USA charge cards have finally been snared for their dirty deeds. They have been charged in a...
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by bjsmom , Feb 02 '00
Pros: None
Cons: Too many to mention
We had a similar situation & are still arguing with them until this very day!!!!
My husband applied for the low 3.9 rate about a year ago.. He is great with his credit & is very smart about it. If we have a higher rate, he will...
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by elsquatregats , Mar 16 '00
Pros: Easy to get, Attractive offer
Cons: Hard to get rid of.
I've had an account with FirstUSA now for a couple of years. I initially worked up a substantial balance with them, but I finally worked myself into a position where I'm only a couple of months away from being able to close this line. Let me tell you...
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by thriftymom , Apr 22 '00
Pros: low introductory rate
Cons: use trick tactics to make money and force you into higher interest payments
I'll admit I was suckered in by their sweet balance transfer rate of 2.9%. I knew the 2.9% rate was only good for a year, and would jump to 9.9% at the end of 12 months, but even 9.9% was a heck of a lot better than the interest on some of my other...
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