Comments on: Cash Back Credit Cards

By: 2012 in social media

2012 in social media — Fri, 20 Jan 2012 08:26:50 +0000

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By: Log Cabins Loch Lomond

Log Cabins Loch Lomond — Sun, 08 Jan 2012 10:31:25 +0000

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I found my uncle looking at your website instead of doing their chores….

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By: Philmus

Philmus — Sat, 29 Oct 2011 17:33:20 +0000

Hmm, so many people with almost the same name getting a $39 late fee for one day late at Chase? Don’t think so! Probably the same guy using different names. I mean, come on, what are the odds that everyone who gets the $39 late fee are just one day late? Not much!

As for me, I have both Chase and Citibank, and both have been just fine for me, but I pay each month on time, so I don’t really have any reason to bash them.

By: Charupa

Charupa — Sat, 29 Oct 2011 14:33:14 +0000

Although the FCRA has produced a positive impact on the credit reporting method, there are nonetheless a number of fundamental flaws in how your credit reports are constructed and how your credit scores are calculated. These flaws result in an unfair credit method that a lot more usually than not, punishes the consumer and rewards lenders.

By: Alan

Alan — Sat, 15 Oct 2011 18:57:39 +0000

Amex just notified me that my Blue Cash reward is changing effective 2/2012.

After $6,500, my “All Other Purchases” category reward is being lowered from 1.25% to 1%.

I’m thinking this is just the beginning.

By: Kyani

Kyani — Sat, 15 Oct 2011 18:57:04 +0000

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By: Joe

Joe — Mon, 03 Oct 2011 16:21:49 +0000

Credit cards are nowadays the new way of transacting, though one needs to control their spending

By: Ds

Ds — Mon, 18 Jul 2011 22:58:38 +0000

Chase = scanners and scum. My husband had a Chase credit card that he always paid on time but not always in full before we got married. After we married I paid it in full using Citibank bill payments always on time. One time they posted our payment one day late. Same story as everyone else…they wouldn’t remove the charge. I closed the account and never looked back. Their offers are tempting but you all reminded me of why they aren’t worth the aggravation. Thank you!

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Thu, 16 Jun 2011 17:34:51 +0000

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By: Will

Will — Fri, 10 Jun 2011 03:14:42 +0000

PenFed is my choice of card and is my primary card. The lowdown (Taken from website):

Earn 5.00% cash back from gas purchases paid at the pump
Earn 1.00% cash back from all purchases you make with the card during each billing cycle
No Annual Fee
Cash Rewards credited each month
No special restrictions to earn your cash rewards
Up to $50,000 limit

Sometimes they also have quarter promo cash back.

By: Njambi Mbugua

Njambi Mbugua — Tue, 31 May 2011 21:00:26 +0000

card holders need to realize that card credit is very high. the amounts given are monthly and there is need to check the annual rate against a bank loan

By: rob

rob — Fri, 13 May 2011 16:01:42 +0000

Chase and all the other banks are ripping of America. We bailed them out now they charge monthly fees raise rates from 7.9% to 18.9% if you are 1 day late.
Notice the bank stocks are not doing to well the last 6 months. America will take a stand so if you work for a bank your stock options will be worth 00

By: FinWeek

FinWeek — Sun, 27 Mar 2011 14:53:14 +0000

Really the situation in European Union is quite dangerous, due to the debt crisis in Portugal, Greece and Ireland. The European Comission should take care about this.

By: almprin06

almprin06 — Mon, 07 Mar 2011 13:51:01 +0000

None of you will ever WIN if you keep playing with credit cards.

By: Tony

Tony — Thu, 03 Mar 2011 04:14:42 +0000

My credit card experience.

I refuse to bank with Chase anymore. I am not a bot, I don’t work for Citi. I just stumbled on this site tonight because I was looking for a new rebate card.

My Chase Story.

I too was one of those folks who got a “fixed for life” offer from Chase. I used it and got screwed by Chase.

They changed the terms: starting applying fees, increased minimum payments, etc.

Luckily, I’m financially sound, so I paid them off. I work with a lot of people who used to work for Chase.

So don’t do business with them, or work for them…

My 2 cents

By: Karen

Karen — Sat, 01 Jan 2011 16:07:50 +0000

I got sick of the rolling categories and juggling cards so I just got a 2% on everything Amex from Fidelity. Still keeping Chase for the “sometimes” 5%, and Citi for the Virtual Account Numbers. Sigh. and I guess I have to keep Amazon for the possibility of a Grocery category when Chase has none. One thing I’ll never do: PAY INTEREST.

By: Ryan @ Milwaukee Condos

Ryan @ Milwaukee Condos — Sat, 18 Dec 2010 19:30:33 +0000

I’ve gone with the citi platinum select for the past few years and am a big fan. I agree with you too, not sure why you’d use a check card when you can get free money with one of these.

By: ubinkayu

ubinkayu — Mon, 06 Dec 2010 09:37:34 +0000

Get 2.63% Cash Back on IRS TAXES (really!) at Best CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Accounts

By: Andreas

Andreas — Thu, 28 Oct 2010 18:46:50 +0000

I got an offer from Bank of America cash rewards credit card giving me 5% rewards for all my purchases until the end of the year. (for the first $500)

By: Mike

Mike — Sat, 25 Sep 2010 14:11:13 +0000

All this Chase bashing, and not one mention of Capital One. For those interested, you can find a Google site that has page after page after page of Capital One bashing. They seem to pull the same tricks as Chase, and even have more tricks up their sleeves. So based on that site, I certainly wouldn’t recommend the Capital One “No Hassle” card.

By: Joseph

Joseph — Wed, 22 Sep 2010 02:07:59 +0000

I have used Amex Blue Cash for many years, and charge in excess of 25k per year. I never had a problem with the rebates until the past year, right around the time the new rules were imposed on the credit card companies. Amex stopped giving me 5% back on my groceries and gas, claiming that the merchants I was purchasing those items from did not qualify for the higher rebates. But these are the same merchants I have always used. Numerous calls and letters to American Express were all answered with the same canned response; there was never any attempt on their part to investigate my complaint. I guess that because I always pay my balance in full each month and never pay any interest charges, they no longer wanted my business. So I stopped giving it to them, and am now searching for another rebate card.

By: stopo

stopo — Mon, 20 Sep 2010 22:50:27 +0000

just received a letter from Schwab . They are no longer sponsoring the Schwab Bank Invest card. I use it as my everything else card since it pays 2%. Anyone know how it will effect the 2% rate?

By: Tom

Tom — Mon, 20 Sep 2010 07:30:08 +0000

All those that are complaining about getting hit with late fees for being late 1 day, I have a question for you. Why do you wait for the last day to pay your bill??? I always pay at least 10 days in advance of the due date just to be safe. Been with Chase for 4 years, and never had an issue with any late fees!!

By: Mary

Mary — Wed, 01 Sep 2010 21:26:09 +0000

Stay away from Chase! I had the Freedom Card for several years. They lured me in with some great deal and then (of course) changed the plan shortly thereafter. The final reason for my switching was because my account was compromised and they immediately put a hold on my account without telling me. The unfortunate thing was that I was traveling in Canada when this happened, so I needed my credit card to get home. They assured me I could use the card as long as I called and asked permisson before each transaction (which I did). Each time I did this, the CS rep hassled and lectured me – - I was humiliated each and every time because I was usually standing in a line somewhere. I kept explaining that this was what THEY instructed me to do yet each time I called, I had the same conversaton over-and-over. I will NEVER deal with Chase again!!!

By: jcmax

jcmax — Tue, 31 Aug 2010 14:26:40 +0000

Discover card is a scam!!!!! don’t believe their bonus offer, they put it in bold on their application, but after your apply and make all the purchases, their agents will deny your application was part of the promotion! Discover card SUCKS!!!

By: Bob

Bob — Mon, 16 Aug 2010 18:36:05 +0000

Why do you suppose Chase wants to piss off all of us that pay our card in full every month? They can’t charge us interest and we float our charges up to 30 days. No annual fee and then we cash in our bonus points. They don’t make a dime off us. They want us to carry a balance each month so they can soak us 10 to 20% interest on money they got free from Obama. I’d love to lend money and get half that. Chase operates the same way drug dealers do.

By: Derek

Derek — Sat, 17 Jul 2010 13:54:39 +0000

Chase sucks. They charge me finance charges each month even though I paid in full each month. I called them about this and they said “interest is charged from the moment your card is charged”

lame

By: Walt

Walt — Wed, 14 Jul 2010 14:30:00 +0000

Chase Freedom rewards ripoff.
The Chase Freedom Credit Card offers 3% to 5% rewards for categories that change quarterly. They mention several reasons why you may not get rewards such as no superstores, warehouse clubs and discount stores. They also mention that the merchant must classify their categories by the titles that are offered that quarter. I have been in the program from 1/10 until 7/10 and have not recieved any rewards under that program but by my calculations should have received close to $50.

By: Naomi

Naomi — Mon, 12 Jul 2010 14:55:14 +0000

Thank you for the Chase input, I was just bank shopping this weekend and was leaning towards Chase but not anymore!!!!!

By: Pilm

Pilm — Sat, 10 Jul 2010 20:37:49 +0000

Yes, Chase Bank (as well as most of the others) rely upon people’s mistakes to make money. For example, if you pay online, you must pay several days (or a week) early! Don’t pick the day it is due, or even the day before, because if there is some delay in the transaction and they are not fully credited the payment on time, they zing you! That is where they make their money, and so when you go and ask for that money back, they are instructed to say no. So if you want to be sure, pay 1 week early, and watch for it to show up in your bank account. If you don’t see it as the deadline approaches, go and check the Chase site and make sure it was done, and if not, resubmit asap.

By: Alex

Alex — Sat, 10 Jul 2010 18:45:06 +0000

Flashie — The Fidelity 2% card does offer autopayment of your full balance. You just need to call FIA Card Services (which manages the accounts) and ask to have a form mailed to you. Strange that it’s not mentioned online, but it’s available.

By: Kat

Kat — Thu, 08 Jul 2010 17:00:36 +0000

Also doesn’t like Chase. In my experience they have unfair business practice. I’ve been with Washington Mutual for 15 years until Chase took over. I have a IRA CD with them. It was renew for a 1 year term. In the middle of the term they change the policy to charge a fee to maintenance the account. To me this is a breach of contract. At the time of renewal and initial set up of the account there are no fees. They force the fees and the CD is not the mature, if I withdraw and close my account they will charge a penalty for closing early. They don’t have customer loyalty plus unfair business practice…what they did is wrong. Once the CD is mature, I will close all my accounts and take my business elsewhere.

By: Aaron

Aaron — Wed, 07 Jul 2010 13:08:17 +0000

Mixed feelings on Chase – it’s easy enough to schedule automatic payments online and avoid late fees, and the 1% cash back is nice. They’ve made the program less attractive over the past year, but other programs all seem about the same. The $250 in rewards for redeeming $200 in bonus points all at once was a nice feature – if I found a different issuer that offered 1.25%, I’d be really tempted to switch.

The BIG negative – I had a dispute with a vendor in which I was effectively overcharged by $200. I assembled around 20 pages of documentation, scanned it into a pdf, sent it off to Chase – the person at Chase they assigned to look into it called me once and left a message. After that, I tried to reach her many times and never got a callback. Then Chase closed the case and charged my credit card, basically because they weren’t willing to look into the matter. I followed up wit Chase a number of times, but no results. I then wrote it all up on an online website with the attorney general’s office, but the web form I was typing on timed out and I lost all my work. At that point, I decided it wasn’t meant to be and got on with my life. Bottom line – Chase doesn’t impress me much, but their website is convenient, and I haven’t found a better offer… yet.