First USA

Pros: Phone service works, good card perks
Cons: I have never seen a less reliable Internet site from a major company

I've had my First USA card for years, and I've had service typical of credit card companies. They've never raised my credit limit when I've desperately needed it - only months later. They've not sent a bill once or twice. But they've always been...

Pros: great credit limit
Cons: fees, fees, and more fees

We have a First USA mastercard with what I consider a pretty good interest rate (for a credit card), but the fees are eating us alive! Every month there is some kind of fee...periodic rate adjustment..45.00, annual fee 38.00, etc. It is awful! They send...

Pros: Fast telephone response
Cons: Expensive, not secure, telemarketer's wishing well

While I have always had good service from First USA on my MasterCard account, there is little else positive I can say about them.

After the teaser low interest rate ended, the APR jumped to 25.9% - almost as bad as the rate the loan shark the...

Pros: Not really any come to mind
Cons: Total lack of security for your personal information.

This is a tale of caution to anyone thinking about getting a First USA credit card, and one of warning to anyone currently carrying one and using their online account system.

I recently canceled my card because I no longer use it. It took me 4...

Pros: On-line functionality
Cons: No reward program, customer service

I have a First USA Visa credit card ( through my local bank ) as a second alternative to utilize on my credit card purchases when my primary card, the Smithsonian Institution Discover/Novus card is not accepted. As I stated in the title, it is acceptable...

Pros: Easy to dispute purchases with.
Cons: unstable rates, poor customer service.

Many changes have gone on with this one. The First USA name was phased out last year and all cards now have the Bank One name. A few years ago, the bank refused to be bought out by another bank. Now, JP Morgan Chase has bought out Bank One. One of my ...

Pros: Live Broadway Rewards program
Cons: Shady business practices (make sure you read the small type!)

I originally got this card because I was carrying a balance on another credit card and they offered a lower rate and had the Broadway rewards program. Somehow, though, when I got my bills, the interest charges seemed HIGHER than before! Later I found...

Pros: CSRs frame disinformation with "please" & "thank you." The tone, not the substance, of courtesy.
Cons: This bank is evil. Representatives lie; expect unexpected charges and horrid customer service.

I have had a ten year relationship with First USA, and have paid three hefty cards in full. I agreed to have my minimum payments automatically debited from my account (ensuring that I would not make a single late payment) because a customer rep. told me...

Pros: Can't really think of any
Cons: Poor service

I have my First USA visa card since college, which is over 5 years ago. During these 5 years, I have never paid them late, and I have paid the full amount every month (maybe I am not a very good customer to them as they have never earned any interest...

Pros: Widely accepted
Cons: Uncivil shrewdness

I first got this card a few years back because the interest rate was very reasonable and it wasn't a teaser rate. The bank gave us lots of opportunities to transfer balances from other cards with higher interest rates and I did that. What a...

Pros: rewards, prompt dispute resolution
Cons: Don't use it to carry debt

A lot of people give First USA a "thumbs down" for various reasons, mostly because they are in debt up to their eyeballs, and are getting nailed on interest charges and fees. Well, guess what? If you stop using it that way, you would have a...

Pros: Not a single one
Cons: Trash. This company is absolute trash.

This has gone on for TWO YEARS. Charged $1,000 in Jan. 2000. Paid on time in full by check in Feb. 2000. FirstUSA mis-codes the check for only $100, but gets full credit from my bank. Same old song and dance: send us the proof, they say. We do: SIX...

Pros: NONE
Cons: Watch out for the interest rate hikes!

I have had a credit card with First USA Bank, N.A. for several years(at least six, possibly more.) The best thing I can say about the whole experience is that it was easy to qualify, and in the beginning, the interest rate was comparable to other banks'...

Pros: Polite, knowledgeable Customer Service
Cons: Does not care about customers Arbitrarily applies hidden policies

I had a $13,500 credit line with First USA Visa and had never made a late payment or given them any other reason that would have jeopardized my credit rating with them. I decided to take advantage of a 6.9% balance transfers they mailed to me, it went...

Pros: None!
Cons: Terrible customer service

First USA is the worst consumer company of any type I have ever dealt with. EVER. Their customer service has no consistency, many ignorant and rude representatives, and is totally disorganized. They will tell you to submit things in writing (and you...