Next Card

Pros: online payment, low interest, photo on card, available for low credit score, functional web site, affiliate program
Cons: 2 bad experiences with customer service, double charge, no airline miles

I applied for this credit card online something over a year ago (I think, it's almost 2 years) because I would be rewarded with some bonus points (LinkExchange banner impressions, if anyone is interested).

To make it short:

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Pros: Easy to register, low rates, internet security, nice features
Cons: They push a little too much on transferring balances

Ah, credit cards. What an exciting topic! But, you know what- I actually had an interesting time when I applied for a Next Card credit card. Yeah, I know- "What kind of DORK would have fun signing up for a piece of plastic"? Well, fun is...

Pros: I am not sure of any
Cons: Horrible Customer Service, Overcharges Customers, No Recourse For Customers

My Experiences with Nextcard have been okay. My friend's experiences with Nextcard on the other hand have been downright horrible. After what my best friend has had to deal with concerning Nextcard, I am not sure I could recommend this credit card to...

Pros: great for anyone who's never had a credit card
Cons: To get Rewards you have to pay $39 annual fee.

Actually that's not exactly true. I have had a Visa Check Card but when I turned 18 I wanted a credit card because I wanted to build a good credit rating so that later down the road I could aquire a loan to put towards a house.

I went on the...

Pros: No annual fee
Cons: Very deceptive tactics, poor customer service

How This Credit Card Has Performed

NextCard is unfortunately one of the most misleading and dishonest companies I have ever dealt with. They led me to believe my initial balance transfer fee would be waived (in order to get my business)...

Pros: email alert, online bill payment (only if they work properly).
Cons: Everything

When and Why I Applied Next Card

After having Discover Card for about one year, I really realized the necessity of having VISA or Master Card. My credit history is not bad, but since I am a foreigner, my credit history is not long...

Pros: I have not had any good experiences with them
Cons: They will NEVER cancel an account very poor customer service

Okay let me explain my title. I received a Next Card about three years ago and used it twice. I paid the balance and then basically forgot about the card. At the beginning of this year, a lot of my credit cards were lost/stolen. I began calling all of...

Pros: None
Cons: Low rate is a scam; daily interest costs $$$.

This card is a big scam. They lure you in with the possibility of low interest rates. Then they make you commit to a balance transfer to lock in the extremely low rate. Then you get the bill and reality sets in...You've been scammed!
You don't...

Pros: ABSOLUTELY NONE
Cons: everything about this card is a con.

"The Internet Visa" (grrrr...)

As soon as I received my NextCard, I excitedly went to their website to set up my online account...

Oh dear, the site is down! Oh well, I'll try again later.

Day 2: I excitedly...

Pros: I was able to cancel it, online access
Cons: rude customer service reps, APR jumps, and hidden charges

Where my sad story begins..

In my quest to acquire more debt, I acquired a Nextcard about the same time as my Capital One card. Trust me, read my Cap One review and you'll see why I cancelled this and kept that one. I had my Nextcard...

Pros: Good rewards selection
Cons: HORRIBLE customer service; suspect payment processing; ridiculous late penalties.

I recently closed my account but continue to have such a horrible experience with this company that I feel compelled to share some of the "odder" experiences I've had. I was probably one of the first customers of this card when they started offering...

Pros: Low APR
Cons: Payments over $1500 will cause credit line freeze, $500 maximum online payment per period

I finally gave in to the blinking pop-up at the top of the page begging me to apply for their 2.9% intro visa with a 9.9% go to rate. I was instantly approved. Then started a series of events that has forced me to take the time to write my first...

Pros: Good fixed APR
Cons: I haven't experience any

You had to have seen them, they are EVERYWHERE, stating an intro 2.99% APR or ongoing 9.0% APR (I can't tell you how many people get these APR's. I wouldn't imagine that too many do.) Since I was in the market for a new credit card with al lower...

Pros: $20 for referring friends
Cons: None, if you never use the card

I'm sure most of you internet junkies have seen ads all over the place for the Next Card. I'm one of those people who ignores online ads...in fact, I'm totally oblivious to them. Fortunately, I received an Email from a friend telling me about Next Card....

Pros: Instant Application Process & Speedy Processing
Cons: None so far...I'll let you know if any arise!

I have used the Discover Card since last fall and feel they have an excellent product. They are easy to contact, give wonderful customer service, and haven't made the annoying mistakes so many other credit card companies seem to make. The only drawback...