First USA

Pros: None
Cons: Illegal interest and late fees charged.

I had been a customer of Bank One/First USA Bank for 9 years with excellent credit. My wife was out of town (500 miles away, in another state) on business when Bank One called me regarding unusual credit card charges. I immediately contacted my wife and...

Pros: Nice incentive program for a no fee card
Cons: Redemption never delivered in over 9 months

I have been a loyal First USA credit card holder since 1998. Until recently I felt the company was fair, and had great things to offer it's cardholders. This is a review of a cash-back program on the 'Titanium Card'.

My APR was amazingly low...

Pros: Easy to get and a high credit limit
Cons: Don't trust them

Shortly after receiving my First USA card, I was absolutely flooded with phone calls from telemarketers all with special offers to me through First USA. The frequency with which I received these calls was unbelievable. It took me a while to finally...

Pros: A great rate while it lasted
Cons: too many to mention

I agree with all other thumbs down opinions about this credit card company. My husband and I were taken in by their low rates promises. After one late payment, by fault of the postal service not mine. My rates immediately went sky high. I called an...

Pros: BancOne is a profitable company, so if you're a shareholder you should be quite satisfied.
Cons: Yes, "cons" sums it up nicely.

You'd think I'd be over this, but I'm not because, well, it's still haunting me. This is the typical FUSA story: Original card is at 4.9, magically switches to 12.9, we complain, they "fix" it by giving us a new account and card with a permanently low...

Pros: Interest rate, customer service, web site
Cons: none, really

Never had a problem with them. I have had a First USA credit card for quite a few years. I asked for an interest rate reduction by mail. 2 weeks later, they call and leave instructions to call them about reducing the interest rate. ...

Pros: None come to mind
Cons: interest rate hikes, payments not applied, customer service = 0

My husband and I have very high credit scores. When we received an offer for a Platinum Visa featuring our college alma mater's logo and 2.9% interest rate, we thought "Okay, sounds good." That was our first mistake.

Our second...

Pros: No annual fee
Cons: Hidden charges, high APR

I can honestly say I don't understand why I still possess a FirstUSA creditcard after all this time. I first got a FirstUSA card about 3 or 4 years ago. I had just begun college and was eager to sign up for a couple creditcards. I didn't know much...

Pros: I have always found them easy to deal with, and with low interest rates
Cons: I haven't seen any

I have had my FirstUSA card for more than two years now, and I was shocked when I looked up reviews of them, and found so many bad reviews! I love my FirstUSA card. In fact, I get offers from other card companies in the mail at least every other day,...

Pros: Internet Banking
Cons: none

I honestly have to say that my experience with First USA hasn't been bad at all. I have had my card there for about a year now and I like it. First and foremost the interest is low. My interest rate is 9.9% and that is fixed. For the first 6 months...

Pros: None
Cons: Inflexible, high interest rate, too many late fees

We've dealt with First USA for a couple of years now. In fact, we have two of their cards because they took over another credit card company we used. We've had nothing but problems. My biggest gripe with them is that there is no grace period. We all...

Pros: Website Access
Cons: Increasing Interest Rates

I am very disgusted with First USA. Before I applied for my card, I read a few sites like this where people would slam them - I thought sour grapes, it won't happen with me. Someone is always going to be mad at something. But I have learned these...

Pros: Inadvertently gives an education about violation of consumer rights
Cons: FUSA plays close to but sometimes oversteps the fine line of what is illegal.

I had an account with First USA Bank (FUSA) for over 8 years, without any problems. I have a near perfect credit history and a good to very good PCS score on my TRW. In a nutshell on May 8th 2000 FUSA suspended my account for no reason. Three days pri ...

Pros: Convenience
Cons: COLD AND UNFEELING COMPANY

First USA, has very little compassion for people in debt. Even if you have not missed or have never been late in making your payment to them. If your credit report, from a credit reporting agency is bad, for any reason, medical expense or...

Pros: no annual fee
Cons: offer very misleading--check the fine print

If there are two certain things in life, its that credit card companies will continue to think of new hooks to get you to take their card, and they will continue to send you a ton of offers in the mail telling you about it. So it was with a recent offer...