First USA

Pros: No redeeming qualities
Cons: Appear to feel they are above the law

First the facts of the matter are that I, like many of you fell afoul of the escalating service charges which took a 300.00 balance to over 1,400.00. As I am a principled individual there was a point at which I felt this was unreasonable. In the long...

Pros: Easy Credit
Cons: Rip you off any way they can

I've definitely had my share of credit cards over the past ten years. In that time I've had an account with First USA twice. Both times I was completely disatisfied.

The first time, about three years ago, was when they offered me a credit...

Pros: Easy to get
Cons: extremely high interest rates and penalties

A few years ago I was offered a First USA credit card with a very high limit of credit. Being young at the time I was very excited to receive such an offer. They promised low interest rates at 2.9% and even gave me checks to write to other credit card...

Pros: NONE
Cons: they took your money

UPDATE on 1st USA --

I have reviewed my First USA statements from January 1998 to and including March 1999 and have found two instances that I was charged Late Fees. One in April 1998 and the other November 1998. No other late charges were...

Pros: Bills always arrive in a timely manner
Cons: They are cheap b*stards

I have had my First USA card for about two years now. I've never really had a problem with them, however, something happened in September to make me change my mind...

I received an e-mail from a friend saying that if you called First USA they...

Pros: Great Prices
Cons: NONE

First USA has always given me the best price and no annual fee. As long as you pay your bills, even if you carry a balance, on time, you will have no problem and benefit from rates lower than any other bank. I also appreciate the fact that when I had a...

Pros: big company - won't go out of business
Cons: fraudulent

I had a First USA visa for about a year and I just couldn't put up with them anymore. What can I say positive about them? They are a fast growing company. It seems every low interest card out there is owned by First USA bank, so check before you apply....

Pros: Credit card makes a good impromptu "tooth flosser"
Cons: This company couldn't spell "Customer Service"

We originally got a First USA card because of its low interest rate. I had no major problems while we actively used it. Eventually, it was replaced by one that offered a lower APR. A year or so later I wrote them a letter to close the account. A year...

Pros: low rates, good service
Cons: ridiculous rates on cash

I've had a titanium MasterCard from First USA for almost two years now and I haven't had any problems with it. The 6 month introductory rate was 6.99% and since then the standard rate has been 9.99%. Cash advances are available but the interest rate is...

Pros: low initial interest rate
Cons: really bad customer service

My wife and I got a First USA credit card account because of the low interest rate they offered on balance transfers. What a mistake! Although the initial interest rate was as advertised, the customer service was unbelievably poor. Month after month,...

Pros: 24 hour customer service
Cons: Hideous service provided 24 hours/day

I have held a First USA Visa for 8 years with no incident until last September when I went out of the country for three weeks and the friend who was supposed to mail my payment forgot. When I returned and my payment was three days late, I called to tell...

Pros: good promotions, lower rate
Cons: rate for life means no such thing.

We carry many credit cards and choose to use this one. Lesser of all the evils I suppose. The more we use the card the higher line of credit they give us. We are now platinum and there does not seem to be a limit to how much they are willing to extend...

Pros: None
Cons: raise rates, double charge, bad customer service

We had to get a card through First USA in order to get club benefits in the Air Force and what a disaster it turned out to be!!

First the pulled the old bait and switch scam that gets you to get with the low interest rate, then jacks it up...

Pros: Good Rates
Cons: Fixed doesn't mean fixed

I signed up for a First USA card based on there claim of a low, fixed intro rate and then a low fixed permanent rate. My intro rate was only 3.99% thenn moving to a permanent FIXED rate of 9.99%. I couldn't pass this up. I couldn't believe this...

Pros: the initial interest rate
Cons: bad interest rate, high fees, you become telemarketers dream

I have to agree with every single word you said! I get a constant stream of calls from companies wanting to give me any amount of things added to my credit card......Road side assistant plans, travelers plans, discount buying plans.......it just never...