First USA

Pros: Excellent customer service
Cons: Not real motivated to come to you

I have been reading quite a few of the opinions about First USA credit cards. I must say, that I have not found too many pleasant ones. I basically believe that credit is the American way and why die with all of your bills paid off. I did not have an...

Pros: High Credit Lines
Cons: High Interest Rates after the "Honeymoon" period

I have had a First USA visa for several years and have had consistently bad service from them. I was drawn in as a college student by a low interest rate and a high credit line. My rate has been repeatedly raised and was at one point up to 24%. It is...

Pros: none
Cons: Unyeilding advantage taker

I have had an account with 1st USA for a number of years with little drama. I must however relate a problem I had with their system which has prompted me to cancel my account there and register with e-pinions for the express purpose of...

Pros: Absolutely none.
Cons: Completely nonsensical policies, rude employees, uncaring attitude

This is a terrible corporation to do business with, and those of us unlucky enough to be customers of First USA through their endless acquisitions of other banks suffer greatly because of our status. To give you the short version of my troubles with them...

Pros: Accepted Everywhere like ever other card
Cons: Not a chance of ever receiving a Refund

If you are using this credit card to protect yourself from fraud by a merchant, I would think again. A few years ago I was in Europe, and I bought an item and had the store send it back to the States for me. I figured I was safe from fraud since I...

Pros: Convenience checks./ Low rate.
Cons: Took away the great convenience checks!

The more Epinions I read about credit cards, the more grateful I am that I haven't had any bad experiences!

In Sept 94, my wife and I got our First USA VISA, only our 2nd card after our Discover. What attracted me most to this card was its...

Pros: Great interest rate
Cons: Hefty late fee

I've read many negative opinions regarding the First Card VISA. Only 29% of Epinion writers recommend this product. I have to say I've had nothing but a positive experience with this company.

I received a promotional advertisement in the...

Pros: NA
Cons: variable high - interest rate

When I originally got my First USA card it was a regular visa ( My card says AOL visa but it's through First USA) Anyway when I first recieved it, it came with a nice low interest rate. Then about 6 months later the interest rate started to climb ( no...

Pros: None, you can find comparable Intro APRs at reputable businesses
Cons: The worst

I've had cards with at least 7 banks in the past year, and so I've rated each of these against each other based on their introductory rate, standard rate, fees, and how customer oriented the bank is. I've been paying off a big chunk of debt that my wife...

Pros: Rewards, no annual fee
Cons: Rewards that really aren't extraordinary, two cycle billing

The direct mailing shouted, "Extraordinary rewards and a great low rate-with no annual fee." That was all it took to suck me in. I told my wife to call and get this card (she was the one pre-approved, not me).

For about six months we had...

Pros: Can't think of any
Cons: Customer Service is lousy and they will stick it to you at every opportunity.

They offer a good teaser, but there customer service is lousy. On one occasion they issued a balance transfer at 10 times the requested amount. Exceeding my credit line by thousands.

The mistake was simple and they could have easily...

Pros: You get what you ask for, Fair, good credit card
Cons: Few Perks

I have had very good experiences with my First USA Mastercard. The interest rate is high (19.99% APR), but I never carry a balance, so it doesn't matter.

This was my first credit card and I have never had any problems with them.

I...

Pros: Kept my high credit line
Cons: High interest rates, even for creditworthy customers

I never made a direct choice to do business with First USA; rather, my account was sold from GE to First USA.

My main impression is how this bank greeted me. The first correspondence I receive from them is a rate change from 13% to 20%. I do...

Pros: None, go with CapitalOne which is .9% less
Cons: 2 Cycle Balance, tries to mislead consumers

Recently I had an experience with a First USA Bank Credit card that made
me cancell all my credit cards with them. My problem was that I had 2 seperate accounts, 1 had a 2 cycle billing method and the other one had a Average Daily Balance including...

Pros: Low Introductory Rate
Cons: Low Rate quickly jumps to a higher rate

The best way to describe First USA is as a mouse trap. They put an enticing piece of cheese out there to attract you to their introductory low interest rate then as soon as you bite into it, "snap", they've got you.

My wife and I...