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  1. #1
    Mark LA is offline Senior Member
    Join Date
    Apr 2002
    Posts
    1,197
    A little twist on the "what's your favorite credit card?" post.

    Thought it might be interesting to read about the one you most dislike - so we know who to look out for.

    Personally - I don't have any cards I totally hate -got rid of those a few years ago (Providian, Nextcard - I was young and needed the money :)
    but my leat favorite is a little known card called Elan Platinum Visa issued by Elan Financial which is actually a division of US Bank.

    I never applied for them - they bought out the previous card issuer - SFNB Security First Network Bank - a great internet bank that went kaput unfortunately.

    Elan Platinum Visa never did anything hideous to me - it's just that there aren't any perks and there are never any amazing offers. the cl is so so - 9.2K - they raised it from 8.2K 6 months after I had the card - but aside from that - nada.
    Called up last week to see if they have any bt offers. The guy tells me - yes - we have a SPECIAL bt offer - get this - 8.9% for six months- and 3% transaction fee.
    WOW - ain't that just dandy!
    Their ongoing apr is also not so great - 11.24% I think.
    I just keep it for the ratios.

    Anyway - anybody else want to share?

    Mark LA

  2.  
  3. #2
    Platinum is offline Senior Member
    Join Date
    Jul 2002
    Posts
    579

    Re: Your LEAST favorite credit card?

    I hate Household, Capital One and Discover. I closed them all.

  4. #3
    picantel is offline Senior Member
    Join Date
    Jun 2002
    Posts
    1,237

    Re: Your LEAST favorite credit card?

    My year old providian $300 card. No APR reduction, no annual fee reduction, no cl increase. I only have it still because it is my oldest card.
    adios

  5. #4
    tix
    tix is offline Senior Member
    Join Date
    Jun 2002
    Posts
    130

    Re: Your LEAST favorite credit card?

    First Premier is the worst. Sign up fees, monthly fees, just for being you fees. Low limits. I have had the card for 2 years now and only a 700 CL.


    Equifax 705
    Experian 676
    TU 659

    tix

  6. #5
    gib
    gib is offline Senior Member
    Join Date
    Mar 2002
    Posts
    1,054

    Re: Your LEAST favorite credit card?

    Target Visa with crappy $500 cl.

    Gib
    .....And miles to go before I sleep.
    =========================

  7. #6
    dep_tx is offline Senior Member
    Join Date
    Jul 2002
    Posts
    490

    Re: Your LEAST favorite credit card?

    I hate First Savings MC, a sub-prime joke

    What a deal we will give you a $250 limit with no deposit, well we will charge you $149 processing fee, and an annual $59 fee, oh and less we forget we are going to whack you for $6 every month just to carry or POS card. Did I mention that we are gonna jack you for another $20 for a card for the Mrs. Leaving you a whopping $26 to charge your purchases! Now that’s freedom! Oh yeah almost forgot after a year we will only charge you $25 for an insulting $100 CL increase.

    I have paid more in fees than I will ever purchase with this card, but it's my second oldest card! So until I get a couple of good cards I will suffer with this junk card. If your credit sucks go to your local credit union or bank and get a secured card, at least they don't screw you in public!

    P.S.
    This is the ugliest card I think I have ever see to boot!
    Would you like a free iPod, check out my home page.

  8. #7
    DHK
    DHK is offline Senior Member
    Join Date
    Aug 2002
    Posts
    358

    Re: Your LEAST favorite credit card?

    I HATE the Chevron card. Now, the services were great, but I just can't STAND their new "voice responsive" automated 800#. I won't talk to a computer. So I closed it.

    I also hated Providian and Capital One. I got my Providian card back in 1998, but I had to pay a $50 fee and 24.9% interest on a $500 limit card. My Capital One card was 19.9% interest, $200 limit, and a $3 monthly fee. Both cards are closed.

  9. #8
    MiamiBlues is offline Senior Member
    Join Date
    Apr 2001
    Posts
    712

    Re: Your LEAST favorite credit card?

    FCNB has to be the worst by far. Low credit line, high APR, high annual fee, almost non-existent cl increases and the worst customer service ever.

  10. #9
    cash1 is offline Senior Member
    Join Date
    Mar 2002
    Posts
    115

    Re: Your LEAST favorite credit card?

    Sears Gold MasterCard - My Sears Plus was converted to this, I have never used it, but keep it open because it shows history from 1987 on. Interest is wayt to high 21%, low limit (5k), crappy BT offers.

    BankofAmerica Gold card - High interest (18%)compared to my other cards, low credit line(5k). No interest rate decreases, no CL increases, no BT offers since opening account.

  11. #10
    mark is offline Senior Member
    Join Date
    Aug 2002
    Posts
    801

    Re: Your LEAST favorite credit card?

    when I had decent credit, home depot was my crappiest card.
    they flat out lost my payment several times, the checks just vanished. I refuse to believe the mailman could be that dumb, because my other payments got to everyone else.
    they were the first place to put negative items on my credit reports as well, for those missed payments.
    they would not remove the late notations..didnt really matter much because I went deadbeat on them shortly afterwards.
    no, im not proud of it btw.
    -mark
    "more fuel for the fire..."

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