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by rfr , Apr 24 '00
Pros: You might get a few months of a good APR before they raise your rate or charge you a late fee
Cons: Questionable practices in registering payments on time, poor customer service
Like many people, I got a FirstUSA card (they can also be found as BankOne cards) because they gave me a great offer with a low APR and a great deal on balance transfers. And like many others, I transferred a big balance over to First USA without any...
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by en7489 , Aug 21 '00
Pros: Great consumer care
Cons: little bit higher rates
I have seen a lot of the negative reviews of First USA posted here. While I agree that the interest rate has not been the best, I have to say that First USA has been a good card for me. They helped me out of a tight spot, and have been more than willing...
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by 2ez2bhere , Jun 13 '00
Pros: none
Cons: dishonest, money-grubbing
This is it. I've had it with this horrible company. For a couple of years after I became a First USA customer, everything was ok. Then after First USA was taken over by Bank One, I noticed that my payments were being posted late -- even though I was...
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by maestro5050 , Jan 18 '00
Pros: 9.9% APR, rapid credit increases, online account access
Cons: None so far
Let me start by saying that I have not had any problems with my card from First USA Bank NA, which I have had for about a year. Judging by the other epinions that I have read about this credit company, I am about the only one.
Now on to my...
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by whatname , Jan 26 '00
Pros: Good Introductory Rates
Cons: Strict, Poor Customer Service
They really get you with those amazingly low introductory rates. My advice is to not fall for it. The honeymoon can end quickly.
I've had a First USA card for several years now, and the only plausible reason I can think of as to why I still...
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by babs33175 , Apr 06 '00
Pros: unsolicited approvals with generous credit lines
Cons: fees for everything, unbending rules
I have had a First USA Visa for a long time; they sent me an "approved" application in the mail and I received the card and I had no problems with it. Some time later, I requested two cards under my account for my daughters while they were...
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by caroliner , Jan 20 '00
Pros: Absolutely None!!!
Cons: Rude customer service agents, "shady" accounting practices
Hi Fellow Epinioners, I've had such an overwhelming response to my first posting that I've added more info and a couple of phone numbers that might help. Good Luck!
Do not get a First USA card, there are plenty of other credit card issuers...
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by jadrien , Jun 28 '00
Pros: Great service, accurate statements
Cons: high finance charges, no incentive or point programs
I was shocked to see so many bad reviews for First USA. I've had a card with them for years now and have not yet had a problem. The worst thing that ever happened was I asked for them to lower my finance charge due to hardship and they refused. This was...
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by amos1 , Jan 28 '00
Pros: A fixed APR of 9.9%
Cons: None
First USA credit card is really okay! I have had this credit card for about two years, and I received the offer for it in the mail. The introductory rate of 2.9% for six months was very much welcomed, but the fixed APR of 9.9% was what really caught...
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by Shoni , Jul 24 '00
Pros: None
Cons: They could care less about the customer!
My husband and I have been together for 12 years. Before we met he had a visa card, First USA. I do not know if that was their name back then, but we had been loyal customers for over 12 years. Never had a late payment, sometimes paying more than the...
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by osmurad , May 07 '00
Pros: A credit limit... whoo hoo!
Cons: Everything imaginable!
FirstUSA got me in my freshman year in college. They had a low starting APR rate and gave me a free T-shirt, of course I signed up! Little did I know what I was getting into. This is one of the most unethical and unprofessional companies that I have...
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by BrotherBlood , Aug 06 '00
Pros: Well Trained Staff, Unlimited Online Bill Pay, National Bank
Cons: Your Friends Only If You Know How To Use A Credit Card
First USA is Bad?!?!?! First USA is Terrible !?!?! First USA is out to swindle the customer ?!?! Hmm…I must admit that I was happy to see an Epinion section on First USA, but flabbergasted to see the number and severity of the bad reviews. I...
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by Abu_Adel , Feb 05 '00
Pros: Nothing, Don't believe them, they are full of baloney
Cons: Everything wrong and nothing is as they say
First USA Visa and I have a very intense relationship which just recently came to a draconian end. We hate each other. I know they hate me because they so much as told me so through their representatives. I have had nothing but trouble from the first...
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by CHERYLSWISHER , Feb 05 '00
Pros: none - none - none - none
Cons: everything else
I, too, was taken in by the low introductory A.P.R. of only 4%. This was o.k. for about 3 months until my rate went up to 21%! I do not have bad credit, I had a good job - there was absolutely no reason for them to raise it so high.
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by mcopenhaver , May 07 '00
Pros: Eventually responded to complaint
Cons: Arbitrary change in fixed interest rates
This is how I won the battle against First USA:
A few years ago I decided to use First USA as a credit line to replace obsolete office equipment in my CPA practice. They offered a 9.9% fixed interest rate. I read the fine print and saved the...
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