First USA

Pros: none
Cons: Rude, no grace period if payment a couple of days late

I really don't know how they can still be in business. From reading the reviews here, I can tell that I am not alone in my loathing for this company. I couldn't think of anything to list as a pro with this card.

I, like everyone else here I...

Pros: Courteous customer service, dispute resolution, on-line account management
Cons: Inflexible rules, needs to give customer incentive to stay with bank

First USA was the first credit card I ever had, courtesy of the LLBean Visa. They had good incentives, and a good intro APR, and free Fed Ex shipping on anything ordered thru LL Bean. I later also got a San Diego Zoo Platinum card, because they offered...

Pros: Low Introductory Rates
Cons: DECEIVING ADVERTISING, POOR CUSTOMER SERVICE

I have multiple First USA credit cards. This is because the banks that I originally received my cards through apparently sell to First USA. I have never knowingly made an application for a First USA account and I can tell you I won't be in the future...

Pros: Absolutely NONE.
Cons: Customer service, bad financial database, general incompetency.

I am posting my actual complaint letter to First USA. They are the WORST financial corporation I've ever worked with.


Payment Investigation Team
First USA Bank
P.O. Box 8650
Wilmington, Delaware 19899-8650

...

Pros: None
Cons: 4% charge for using the card and paying in foreign currency.

If you have a First USA credit card and enjoy traveling to foreign countries, I highly recommend you Leave Home Without It! If you have a First USA card, read your account agreement sent when you applied for your application and received the card.
...

Pros: Low rates, special "At Your Request" personal service offer, good customer service
Cons: Need to lower their rate to 0.0% (just kidding)

Well, I'll be honest...I came to this part of epinions to write a splendid review of First USA but after reading the other reviews of the company, I have decided to change my direction for my review.

Don't get me wrong, I don't think I could...

Pros: Absolutely None!
Cons: Change rates without warning or actual cause!

I love the design on my First USA card. I signed up about a year and a half ago through my Alma Mater. It wasn't because of the "low introductory rate" but because the rate was fixed at 9.9%. Now with my degree in accounting, "fixed rate" has always...

Pros: Low Introductory Rate
Cons: High Interst rate after intro, plus to many high fees

First USA starts out with a great deal, offering you low interest rates on balance transfers, but the low rate doesn't last that long.
Once they have you the fun starts for them.
First the low interest rates start increasing. Next you'll...

Pros: NONE
Cons: Bait and switch rates, extremely high interest hidden at the beginning

I hate to admit it, but I have had quite a few credit cards in my day, but never have I had an experience like this.

I decided to transfer my credit card balances to First USA after being offered a very low introductory rate. Knowing that...

Pros: THERE ARE NONE
Cons: MOST AWFUL CUSTOMER SERVICE

I had a Bank One credit card I frequently used. I was solicited at an alma mater's football game to enroll for a First USA card, and I signed up. Never used the First USA card until I found that Bank One and First USA are the same. I activated the...

Pros: None
Cons: Bad Service, Annoying Calls and Mail

I had nothing but problems with my First USA account. I took the card initially because of the low APR, only to find out that once that period was over, I would be charged 22% interest on the account. I found this out the very same day that I received...

Pros: NONE
Cons: Discriminate against women, poor phone system, poor email system, can't talk to anyone of importance

I believe my multiple emails and their response speak for themselves:

I would never use First USA for 3 reasons: One they discriminate against women, they have a terrible phone system and their email is equally frustrating.

Here is...

Pros: Another company with pretty cards
Cons: Poor customer service, frequent disconnects

I love Boxers and have an AKC Registered Boxer. For this, First USA sent me an application for a Boxer Credit Card. I thought it was cool so I ordered it. Got it, loved it , used it. Until last year.

During most of last year, I received AT...

Pros: Good website
Cons: ho hum service, like everyone else

I first got my Platinum First USA Visa 4 years ago right after graduating from college. I had about $1000 in seemingly revolving credit card debt (I would pay something just over the minimum every month) at the time and the balance transfer they offered...

Pros: Helpful customer service
Cons: High Annual fee

I have pretty high expectations about customer service when it comes to dealing with large companies. To my surprise, I have not had a bad experience (yet) with First USA.

Just to clarify, I am writing about the card which charges $60/year...