- Centurion Member
- Posts: 339
- Joined: Fri May 11, 2012 4:08 pm
- Location: Atlantic City, NJ
I would rank companies I have personally dealt with accordingly:
1.) Discover - Customer service has been fantastic, every time. I've never had a bad experience yet. They are conservative about limits and things, but they are also willing to work with loyal customers. Functional and easy to use website. Only thing I would change about Discover is ditch the reward tiers and start right at 1% cash back like the Freedom and Dividend.
2.)PenFed - Superb customer service always, and their products rock too. I have a savings account, checking account, and credit card through them-- everything has been excellent. They were pretty generous with my limit and I like the way their website is set up. Great company to work with.
3.) Chase - Chase has also treated me just fine. Customer service has been more than willing to resolve any issue, and they assign pretty good credit limits. The rewards are outstanding too and probably the best for me of all the cards I deal with. Love me some Chase and look forward to dealing with them in the future.
4.) American Express - I'm really happy I'm in the door with American Express, I have had pretty good experiences with them too. It's been good but not the best like Discover or PenFed. Amex can be conservative with limits and stuff. Membership Rewards are not the best structure for me, but the cash back from the Blue Cash Preferred is unrivaled. Some of their practices seem questionable and/or bizarre, but overall I've had a good experience with them.
5.) FIA - They're decent, and have never had a CSR that didn't seem like they were genuinely trying to help me. FIA has a couple solid rewards cards they offer and they seem easier with limits than some. A step above mediocre.
6.) GECRB and Barclays - Both of these companies are okay and my own experience has them about equal. Barclays is way too sensitive about inquiries and get almost jealous about accounts their customers have with other banks. On the other hand , the reps are good about trying to get answers for questions and resolving issues. Their website isn't the best and could stand an overhaul. GE Capital has reps that seem a cut under Barclays, but they balance out in other ways. While their limits often start low, these cards can be counted on for auto CLIs fairly frequently as long as there is some sort of usage. Hasn't happened to me, but I have also heard others say they are about the same with decreases too when there isn't enough usage. On the positive side, they aren't really sensitive to inquiries and new accounts and the like.
7.) Citi - Reps are usually outsourced and not much help when there is an issue. It seems like different reps give different answers and no one really knows what answer is correct. Their website is not my favorite but it is easy to navigate. I have also been burned by Citi's flawed customer service years ago (their mistake, not mine), so I am really not their biggest fan. Thank You points are stingy in their value and redemption, and even the Dividend's straight cash back isn't perfect and lags behind Freedom and sometimes Discover More. On the plus side, Citi is pretty generous with their credit limits and good with increases. They are also willing to give a chance to college students and those with limited credit, much more so than other banks like Chase.
8.) First Financial Bank USA - Customer service is pretty bad. This is my first credit card, back from 2003, so I kind of have to keep it to anchor down my AAoA. Once in a while you will get an okay CSR, but at least 75% of the time you get someone that is completely unwilling to help you and in the worst cases, will be downright defensive and nasty. The website is a joke and forget about an online payment. They did increase my line of credit a few times when I was a college student. This was the card I got myself into a small pile of debt with (never made a late payment but the interest was ridiculous). It was 100% my fault, the trouble I got in with this card, but it did teach me the basics of the credit card game. I guess it did eventually help to build my credit up. They also permanently waived the annual fee for me when I opted out at the threat of closing the account (they initiated this fee a few years ago, it used to be free). The company doesn't even take new cardmembers anymore unless they are college students... that should be a red flag right there.
9.) Capital One - Terrible. The one positive is that Capital One will build credit with responsible use from an individual that desperately needs to boost their score. Their customer service is bottom of the barrel, they are not necessarily nasty and rude like reps I've had from the two preceding banks, but they do everything in their power to simply not help their customers. Credit limits are really stingy (though understandable considering they are subprime for 90% of their products), and there will be little to no CLIs. The customer service is the worst and most inept, period.
(Haven't dealt with US Bank much yet, so I don't feel right commenting on their service so far).
Now she's eyeless.
The snakes she held once
Eat up her hands.