First USA

Pros: NONE
Cons: con artists

It's interesting to read all of these negative comments about First USA.
I thought I was the only one who had been royally screwed by them!!
Here's my story......
I had a credit card with them for about 10 years. Actually,...

Pros: very few -- and they don't outweigh the cons!!!!
Cons: Shoddy practices, slow posting of payments, ballooning rates

I first got a FUSA card in the early 90s and was really impressed with their rates and service. My payments were just about always in on the due date ... once in awhile they might have been posted a day later, but back in the early days they had a grace...

Pros: Reward point program
Cons: revolving debt, takes a lot of points to earn $

I've had my First USA Priority Club Visa for a year now. Let me preface by saying that I never keep a revolving debt, so I couldn't even tell you what my interest rate is on the card. I imagine it is high like most any credit card. I opened this card...

Pros: Low APR
Cons: They will sell your personal info to EVERYONE!

Forget the APR, the balance transfer bonuses... this is a dangerous card.

First USA gives your personal information, including your credit card number to outside merchants. These merchants call you and offer you all sorts of things, from...

Pros: Great card if you like to argue with customer service reps
Cons: almost impossible to pay your bill; fees galore

First off, I wish to tell anyone reading this review that it's been two years since I have had the terrible First USA credit card. They may have improved their service since then, but they had such a long way to go, that I doubt they have made...

Pros: Good customer service
Cons: It's a credit card - say no more

Facts is Facts, Right?

When it comes to getting a credit card, it should be very easy to make a choice between brands and issuing companies, right? I mean, all you have to do is find the best interest rate or the most appropriate...

Pros: Good interest rate, no annual fee, online service is good
Cons: Short grace period, questionable methods when assessing fees

We signed up for a First USA Titanium card about 2 years ago. We receive many offers through the mail for credit cards and chose this one due to the low fixed interest rate (9.9%), the low introductory rate (2.9%), and the fact that it had no annual...

Pros: Low intro rate, reasonable payments
Cons: VERY unorganized customer service dept

Like many people today, we are working to eliminate all our debt. When First USA came through with a low introductory rate, we jumped at the opportunity. We transferred our largest balance, and rejoiced at our savings in interest. We started out with the...

Pros: Good rate/reward program
Cons: Payment processing delays

I have had a First USA account for over a year and at first, it offered a great rate and a bonus point system. The intro rate they suck you in at was 2.9% and I got a free tennis bag just for signing up. I actually had to charge something first, before...

Pros: low rate
Cons: high rate if you miss 2 payments; phone calls galore!

This card is going to be cancelled! I signed up for a First USA card because of their low rates and because we wanted to consolidate a couple of higher interest rate cards. Well, we're no longer getting the benefit of a low rate because we were late on...

Pros: Amazing Customer Service, Web Account Access
Cons: sill have interest rates, have to pay, otherwise none so far

I have been a First USA Visa Platinum card holder for about 3 years. I saw an online ad for a card that gave discounts at online merchants. I shopped online a lot so I thought I'd give it a try. Not only did I get a card that gave me credit for buying...

Pros: Not a single one!
Cons: Charging you even after you're dead!

It started with a new heating system that cost about $3000. So my husband charged it on his First USA Visa. It was definitely a necessity (and he did this before we married). By the next year we had our baby and will all the financial difficulty in...

Pros: CONVENIENT/EASY TO USE
Cons: CAN DESTROY ONES CREDIT

FIRST USA visa card, a Bank One service card, will eventually be known as a "Credit Death Card" for many American families.

The initial proposal, given potential applicants, is made to sound so attractive, you get a feeling that...

Pros: THEY HAVE A FAIRLY GOOD WEBSITE.
Cons: THE CUSTOMER SERVICE IN AUSCHWITZ WAS BETTER. THE PEOPLE MANNING THEIR PHONES ARE TOTAL IMBECILES!

This letter will speak volumes for the ineptitude of the customer service department of First USA Bank. They give a new meaning to the word incompetence.

TO WHOM IT MAY CONCERN:

I am contacting you concerning a minor discrepancy in...

Pros: NONE!
Cons: Terrible service; Lack of accountability; Borderline fraud

First USA is like an uncontrolable cancer! The only thing they seem to be good at is swallowing up other banks. When it comes to taking care of the customers they already have, FORGET ABOUT IT!

There are countless reasons for avoiding F.U.S.A...