From the article: Features of the Worst Credit Cards
Some credit cards are just plain awful - high interest rates, high annual fees, short grace periods. Do you have a credit card you just hate? What's your worst credit card? Tell Us About Your Worst
- I opened this account in 2008 and got assigned an 18% interest rate. I didn't mind because my credit wasn't great. Well, then I called about a year ago and asked to have my rate lowered since I had a much better score now. The guy said, "Well, you could have a score of 850 and be the CEO of our company and we still wouldn't lower the rate." Then he went into this lecture about how I should be happy to have their card, even with that ridiculous rate.
- —Guest Joe
- Chase is awful....they will not lower the APR..different excuses every time
- —Guest Sally
- I've called Chase repeatedly asking to lower my APR. The raised it prior to the credit card laws changing and the credit crisis despite my never having a late payment and a 765 FICO score. Now, 3 years later, they are still unwilling to lower rates. Every time I call, I get a different and ridiculous excuse. All of my other cards have lowered their rates to sub 9% with one phone call. Chase seems to think that they can treat customers however they choose and that there's no recourse. Hmmmm...... a quick 0% balance transfer from another card fixes the issue. I'll keep the card open since there's no fee, but it'll be a cold day in H**L before I ever use it.
- —Guest Carla
- I originally had a different credit card, and it was sucked up by Chase Bank, and they raised my interest rate to 29.9%. So I paid it to zero quickly and it stayed there for many months. I happened to go in there to check for expenses while doing my taxes and found out I had a balance of $1.51! They had charged me a 1.50 "minimum interest fee" (on a zero balance), and a .01 cent payment protection. I called, and they agreed the $1.50 fee was incorrectly applied and took it off. That left me with a balance of .01 cent! I called and they said that was from the payment protection plan and I would have to call their 800 number and take it up with them. I decided that my time was worth a lot more than .01 cent and just paid it online. The *ONLY* reason I haven't cancelled it is that it is my oldest card and helps my credit score because of that.
- —Guest June
MBNA is my worst credit card
- have had to close down my MBNA card account despite the credit limit of £8300. The reasons are as follows: 1. I cannot pay off the full balance over the telephone. 2. I cannot pay off the full balance over the internet. 3. I cannot pay off the full balance over the counter except at the Co-operative bank but only using the paying in slip that came with the card statement. This costs me £4.10 train journey to Portsmouth Co-Operative bank in order to do this. 4. My credit card statements always take 7 days to reach me. By that time I have only 10 days left to pay off my credit card. This includes non-working days. 5. The minimum payment amount is nearly HALF the total card balance and is always at LEAST £25. All the above is the make sure that there is a MAXIMUM chance that I end up paying a LATE PAYMENT FEE of £12, for if I pay so much as 1 pence below the minimum payment amount - even if it reaches them BEFORE the pay by date - I get charged £12.
- Echoing same sentiment, they are the worst. For some reason, these credit card companies think that people will never pay off the cards. What they also forget to realize is that when people do pay them off, they're not coming back. That says it all. Like most people, I will never come back.
- —Guest Swann Song
- I paid my account in full EVERY month, I had a on-line payment fee out of the blue one month never before did I have this, so I immediately closed my account and paid the balance off in full, I thought I was in the clear. They charged me a $7.95 fee for paying my balance off. TWO YEARS late no notice, not a single phone call, I had a $595.00 balance on this card!!!! That $7.95 that I was totally unaware of turned into late payments and I was screwed. A collection agent called me, I was convinced it was credit card faud, nope it was that stupid $7.95 account closing fee. I had to pay it and my credit took a hit. I HATE CAPITAL ONE!!
- —Guest genni nalley
Chase's Missing Statements
- They never sent me the paper statement, so I did not paid ontime and their customer service argued it is my responsibility to pay ontime and do not want to reverse my late fees. I paid off instantly, cut up the card, and threw it away!!
- —Guest chase sucks
- Transfer balance to a card and got a new agreement in the mail six months later. Then the next month they closed the account. Never ever doing business with them again!!!
- —Guest Tone
- I HAVE AN ACCOUNT WITH THEM, I CANT EVEN APPLY FOR A CREDIT CARD AT THEIR BRANCH, DUE TO THE FACT I HAVE NO CREDIT.
- —Guest KIMBERLY PARKER
- Payment was due Monday 8-2-10. I get paid on the first which was a Sunday, put my check in the bank Monday then called in my full payment. Received my statement which showed a late fee. I called them and was told that I paid 45 minutes late. They go by eastern time and I live in Pacific. What a bunch of crap. Had the card for almost two years, never paid a finance charge as I paid in full when I used it and was never charged a late fee. They are paid in full now and can rot in [expletive] before I use the card again.
- —Guest Tami
worst credit card
- I found a 76 (Conoco) credit card over the weekend and tried calling the number on back (and all the numbers on their web site). They are only open M-F. The person who lost it can't even report it as lost. I'll NEVER get a card from them!! I could use it all weekend before it could be reported lost -- but I won't!
- —Guest Julie
CHASE & U.S BANK
- I HAVE HAD BETTER THAN NORMAL CREDIT FOR YEARS, DID NOT LIKE THEM DOUBLING MY RATE BECAUSE EVERYONE WAS DOING IT. THEN REPORTED POSSIBLE THEFT, & ISSUED NEW CARD #S, CHASE DID NOT SEND BILL 1ST MONTH FOR NEW # AND BINGO $35 FEE, I PAY 2-3 THE MINIMUM EACH MONTH & WITHIN 2-3 DAYS OF RECEIVING THE BILL! GREAT WAY TO TREAT THE CUSTOMERS THAT PAY!
- —Guest BOXER MOM
- If you want the worst credit card ever, go to CHASE. My payment was due 6/13 (Sunday) and I made it by phone on the Monday 6/14, thinking it would be OK. Cost me $35 bucks> Called their Customer service in INDIA (seems so and they could not do anything! You pay the fee, no reverse Mr. it like that. Wow they suck balls.
- —Guest SMK
Worse Credit Card In History
- Orchard Bank! Be very, very careful using them. They use NCO Financial Systems and a host of other collectors to harass the crap out of you even when you've done the right steps.
- —Guest lt
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