Comments on: Shell Credit Card Review http://creditcardforum.com/blog/shell-credit-card/ our rants and raves about credit card and financial news... Sun, 12 Feb 2012 19:01:11 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Barry http://creditcardforum.com/blog/shell-credit-card/#comment-28846 Barry Tue, 24 Jan 2012 08:31:44 +0000 http://creditcardforum.com/blog/?p=821#comment-28846 I agree totally. I am switching back to another card that pays $$ back at the pump plus 1% of other purchases. What a rip off. Do they think all of us are lemmings who will line up for our goodies just because of the pretty yellow sign and the magic word, Shell. Citi Bank are a bunch of human pigs as well. I agree totally. I am switching back to another card that pays $$ back at the pump plus 1% of other purchases. What a rip off. Do they think all of us are lemmings who will line up for our goodies just because of the pretty yellow sign and the magic word, Shell. Citi Bank are a bunch of human pigs as well.

]]> By: Barry http://creditcardforum.com/blog/shell-credit-card/#comment-28845 Barry Tue, 24 Jan 2012 08:26:25 +0000 http://creditcardforum.com/blog/?p=821#comment-28845 I paid a charge ($34.06) at a local hospital on January 20 with my Shell credit card. I was just told be the 800 operator that the charge was not "posted" to my account until January 23 and because of that, will not appear as a charge until January 24, or after the turn-over date of January 23 has past. I have four other charges that I made on January 21 and they all went through on January 21. But mysteriously, this charge for only $34.06 was held back, resulting in my being penalized 5 cents per gallon for any gasoline charges over the next month in that my total is now $2480, not $2514, as I planned. I am sure one of their vice presidents got a huge raise for thinking up this little gimmick. Psychologically, it feels good to be told you are getting 20 cents per gallon off. But woe be unto you if you think you are coming in just over the mark for getting it. Mysteriously, one of the charges gets held up in the "posting cloud" and you get screwed out of 5 cents a gallon, but they keep all your money for just under $2500. I have heard that all of the credit card companies/banks HATE those of us who pay off their card each month because they will lose out on screwing us yet again with their usurious interest rates. Our country is going down the hole because those who pay their bills on time are penalized so that those who get a free ride can receive their stash/booty/free cell phone. I won't be around that many more years, but I hope all of their children are standing in the rain and snow waiving their stupid little red "Bob" books and wearing their "Bob" jackets and then getting in line again for their bag of Soylent Red crackers (not Soylent Green!) for the month. We are now living in the society described colorfully in the movie Network about 20 years ago, and the movie Soylent Green from 30 years ago is quickly arriving. I paid a charge ($34.06) at a local hospital on January 20 with my Shell credit card. I was just told be the 800 operator that the charge was not “posted” to my account until January 23 and because of that, will not appear as a charge until January 24, or after the turn-over date of January 23 has past. I have four other charges that I made on January 21 and they all went through on January 21.

But mysteriously, this charge for only $34.06 was held back, resulting in my being penalized 5 cents per gallon for any gasoline charges over the next month in that my total is now $2480, not $2514, as I planned. I am sure one of their vice presidents got a huge raise for thinking up this little gimmick.

Psychologically, it feels good to be told you are getting 20 cents per gallon off. But woe be unto you if you think you are coming in just over the mark for getting it. Mysteriously, one of the charges gets held up in the “posting cloud” and you get screwed out of 5 cents a gallon, but they keep all your money for just under $2500. I have heard that all of the credit card companies/banks HATE those of us who pay off their card each month because they will lose out on screwing us yet again with their usurious interest rates.

Our country is going down the hole because those who pay their bills on time are penalized so that those who get a free ride can receive their stash/booty/free cell phone. I won’t be around that many more years, but I hope all of their children are standing in the rain and snow waiving their stupid little red “Bob” books and wearing their “Bob” jackets and then getting in line again for their bag of Soylent Red crackers (not Soylent Green!) for the month. We are now living in the society described colorfully in the movie Network about 20 years ago, and the movie Soylent Green from 30 years ago is quickly arriving.

]]> By: Wick http://creditcardforum.com/blog/shell-credit-card/#comment-25315 Wick Mon, 07 Nov 2011 19:31:22 +0000 http://creditcardforum.com/blog/?p=821#comment-25315 The new Shell Oil terms is the lamest "reward" program I've ever seen. I just closed my account. The new terms are ridiculous for 3 reasons: 1. the discounts don't kick in until after you spend at least $500, 2. the discount at the $500-1000 spend level is 10 cents/gallon off, which is only about 2.8% at $3.60/gallon (but it's not actually 2.8% -- see #3), 3. that discount is only applied to the first 100 gallons of gas you buy the following month. In other words, you absolutely have to spend $500 each month to be eligible for anything. If you spend between $500-$1000/month, the maximum discount is $10 back. That's 2% back if you spend exactly $500/month, BUT: the more you spend over $500/month (up to $1000), the lower your percentage discount becomes. For instance if you spend $900/month, your discount drops to 1.1%. If you spend between $1000-$2500/month, you'll get $15 back. Once again that works out to a maximum discount of 1.5% if you spent exactly $1000, & it drops to 0.6% if you spent $2500. Yes folks ... basically the more you spend, the lower the discount. So all that trouble for basically nothing. A lot of reward credit cards give you 2-3% back on gas purchases & you can go anywhere you want, not just Shell stations. The new Shell Oil terms is the lamest “reward” program I’ve ever seen. I just closed my account. The new terms are ridiculous for 3 reasons:

1. the discounts don’t kick in until after you spend at least $500,
2. the discount at the $500-1000 spend level is 10 cents/gallon off, which is only about 2.8% at $3.60/gallon (but it’s not actually 2.8% — see #3),
3. that discount is only applied to the first 100 gallons of gas you buy the following month.

In other words, you absolutely have to spend $500 each month to be eligible for anything. If you spend between $500-$1000/month, the maximum discount is $10 back. That’s 2% back if you spend exactly $500/month, BUT: the more you spend over $500/month (up to $1000), the lower your percentage discount becomes.

For instance if you spend $900/month, your discount drops to 1.1%. If you spend between $1000-$2500/month, you’ll get $15 back. Once again that works out to a maximum discount of 1.5% if you spent exactly $1000, & it drops to 0.6% if you spent $2500.

Yes folks … basically the more you spend, the lower the discount.

So all that trouble for basically nothing. A lot of reward credit cards give you 2-3% back on gas purchases & you can go anywhere you want, not just Shell stations.

]]> By: Johnny http://creditcardforum.com/blog/shell-credit-card/#comment-25240 Johnny Thu, 03 Nov 2011 06:20:39 +0000 http://creditcardforum.com/blog/?p=821#comment-25240 Before I've got an average of $25 rebate every month but recently they changed the agreement - to be able for me to receive a rebate I should spent $500 every month of Shell gas! I used Shell card only in filling up gasoline and I dont carry a balance every month. I'm planning to close my Shell Master Card as soon I receive my other new card. Before I’ve got an average of $25 rebate every month but recently they changed the agreement – to be able for me to receive a rebate I should spent $500 every month of Shell gas! I used Shell card only in filling up gasoline and I dont carry a balance every month. I’m planning to close my Shell Master Card as soon I receive my other new card.

]]> By: Rodney McDaniel http://creditcardforum.com/blog/shell-credit-card/#comment-24933 Rodney McDaniel Wed, 12 Oct 2011 02:06:44 +0000 http://creditcardforum.com/blog/?p=821#comment-24933 What is deal with Citicorp keep getting calls wanting me to pay for Home Depot Shell Phillip 66 Texaco and I think Chevon? What is deal with Citicorp keep getting calls wanting me to pay for Home Depot Shell Phillip 66 Texaco and I think Chevon?

]]> By: John T. http://creditcardforum.com/blog/shell-credit-card/#comment-24817 John T. Sun, 02 Oct 2011 21:53:04 +0000 http://creditcardforum.com/blog/?p=821#comment-24817 Previous comment was partially deleted... What I meant to say was to shop at a discount gift card site like the one I mentioned here. Shell gift cards are avail for around 2-3% off face value - no fees, interest or penalties. Same as cash - use at pump or in Shell convenience store. Combine this with click through rebates sites - like the other one I listed - to add to your discounted card - THEN use your local grocery store receipt - whatever is advertised at your local Shell (see the Pump for details) - mine is Giant Food (DC area) - and you're really buying cheap gas. Thanks/J Previous comment was partially deleted…
What I meant to say was to shop at a discount gift card site like the one I mentioned here. Shell gift cards are avail for around 2-3% off face value – no fees, interest or penalties. Same as cash – use at pump or in Shell convenience store. Combine this with click through rebates sites – like the other one I listed – to add to your discounted card – THEN use your local grocery store receipt – whatever is advertised at your local Shell (see the Pump for details) – mine is Giant Food (DC area) – and you’re really buying cheap gas.
Thanks/J

]]> By: John T. http://creditcardforum.com/blog/shell-credit-card/#comment-24816 John T. Sun, 02 Oct 2011 21:49:42 +0000 http://creditcardforum.com/blog/?p=821#comment-24816 I usually wait until I've got about 40-60 cents per gallon discount, THEN I use a prepaid shell gas card to save more money. My wife and I line our cars up on the same pump - then throw the spent card out when we're done and do it again. Here are a couple of good sites I use (yes, referring you gets me even more discounts). No gimmicks. The second site listed is slow paying rebates but they DO - I got my first check for about $10 by clicking through them to buy stuff I already buy online. I usually wait until I’ve got about 40-60 cents per gallon discount, THEN I use a prepaid shell gas card to save more money. My wife and I line our cars up on the same pump – then throw the spent card out when we’re done and do it again. Here are a couple of good sites I use (yes, referring you gets me even more discounts). No gimmicks. The second site listed is slow paying rebates but they DO – I got my first check for about $10 by clicking through them to buy stuff I already buy online.

]]> By: Ron Coyne, Illinois http://creditcardforum.com/blog/shell-credit-card/#comment-24762 Ron Coyne, Illinois Thu, 29 Sep 2011 15:47:28 +0000 http://creditcardforum.com/blog/?p=821#comment-24762 I have had some type of Shell card since 1994. Last year I applied for and recieved the Platium MC. Then 3 months later they jack up to $500 minimum. Just like the rest of the people, i am done with Shell. I have had some type of Shell card since 1994. Last year I applied for and recieved the Platium MC. Then 3 months later they jack up to $500 minimum. Just like the rest of the people, i am done with Shell.

]]> By: Karen Boudreau http://creditcardforum.com/blog/shell-credit-card/#comment-24441 Karen Boudreau Wed, 07 Sep 2011 22:53:06 +0000 http://creditcardforum.com/blog/?p=821#comment-24441 Apparently Shell wasn't making enough on their credit card so they unilaterally changed the account including stopping all automatic payments. So if you thought your account was being automatically paid, it wasn't and you didn't find out for 2 billing cycles when you then paid late fees and huge interest charges. Also, if you hadn't looked at your account on line recently they deleted your on line access so you couldn't just pay on line. I called the Citibank corporate office (no response) and the Shell corporate office (no response). Then I got a dunning call. How embarrassing! However, I was able to pay the account by phone then. My suggestion is punish Shell for treating its customers this way and stop buying their gas. That's my plan. I also think I'll take out my large deposits from Citibank for their role in this. Apparently Shell wasn’t making enough on their credit card so they unilaterally changed the account including stopping all automatic payments. So if you thought your account was being automatically paid, it wasn’t and you didn’t find out for 2 billing cycles when you then paid late fees and huge interest charges. Also, if you hadn’t looked at your account on line recently they deleted your on line access so you couldn’t just pay on line. I called the Citibank corporate office (no response) and the Shell corporate office (no response). Then I got a dunning call. How embarrassing! However, I was able to pay the account by phone then. My suggestion is punish Shell for treating its customers this way and stop buying their gas. That’s my plan. I also think I’ll take out my large deposits from Citibank for their role in this.

]]> By: J Lorenz http://creditcardforum.com/blog/shell-credit-card/#comment-24252 J Lorenz Wed, 24 Aug 2011 19:12:36 +0000 http://creditcardforum.com/blog/?p=821#comment-24252 I was shocked when I receive my change letter so I called customer service. It turns out the Shell Citi card was changing hands, hence the Kroger fuel perks addition and dripping of my 5% on Shell gas. BUT that large amount to purchase in order to get the rewards is on the total amount of all charges that month. Lucky for my, this is my primary card so I usually qualify for something. I lost the letter stating the levels and hoped to find it on this page. I still perfer 5% credit applied to my gas purchased the following month. I notice on the last bill they did not apply the credit. Now I have to recaculate each month what my discount will be and determine which brand gas is cheaper. Shell is going to lose. I was shocked when I receive my change letter so I called customer service. It turns out the Shell Citi card was changing hands, hence the Kroger fuel perks addition and dripping of my 5% on Shell gas. BUT that large amount to purchase in order to get the rewards is on the total amount of all charges that month. Lucky for my, this is my primary card so I usually qualify for something. I lost the letter stating the levels and hoped to find it on this page. I still perfer 5% credit applied to my gas purchased the following month. I notice on the last bill they did not apply the credit. Now I have to recaculate each month what my discount will be and determine which brand gas is cheaper. Shell is going to lose.

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