Would you like to win a $500 American Express gift card just in time for some last minute Christmas shopping?

If so then read on to learn how you could get some extra funds simply by telling us what you you LOVE about a particular credit card (or debit card) or credit card issuer/bank and what you HATE about a particular credit card (or debit card) or credit card issuer/bank. Get your creative juices percolating because if you can craft a well written piece telling your story then you could end up $500 better off because of it!

Here are the rules for entering the 2009 Credit Card Chaser Love/Hate Credit Cards Contest:

  1. Tell us why you LOVE a particular credit card or credit card company/bank (i.e. “I love my Discover More Card because I used my cash back rewards from my credit card to buy my son a Nerf gun, a new bike, and the Lord of the Rings DVD box set”) – NOTE: If you do not use a credit card then feel free to make your story about a debit card instead (i.e. “I love my PerkStreet Financial Debit Card because I get 1% cash back on all of my purchases and so I used the card to do all of my Christmas shopping”).
  2. Tell us why you HATE a particular credit card or credit card company/bank (i.e. “I hate Chase because they jacked up my interest rate and decreased my credit limit even though I have never made a late payment”).
  3. There are two ways to submit your entry and two different prize levels: A) Submit your entry by writing a blog post about this contest and telling your LOVE/HATE story (be sure to link to this page so I can show your track back comment – bonus points if you can also link to one of your favorite credit cards listed on our “Compare Cards” page) to have a chance at winning a $500 American Express gift card OR B) Leave a comment below telling your LOVE/HATE story to have a chance at winning a $100 American Express gift card.

Here is what my personal entry would be (of course I am not eligible to enter myself into the contest but I just wanted to give you an example of what we will be looking for):

“I absolutely LOVE my new American Express True Earnings credit card that I received less than 2 months ago because I can get a minimum of 1% cash back and up to 3% cash back depending on the category of the purchase. I also love that they allow me to schedule an automatic payment to draft from my checking account to just pay off my card balance in full. The reason I applied for this card so recently was of course because of the excellent cash back benefits but also because I HATE Chase for decreasing my credit limit from $10,000 to $1,000 on one of my other credit cards even though I have close to perfect credit, no balance on the card, and have never had any late payments.”

Your entry can be as short and simple as mine but keep in mind that in order to pick the two winners we will be looking for someone that really shows some creativity and goes the extra mile to make their stories entertaining and contain that “something extra”.

The contest will run from Monday, 11/30/09 until Wednesday, 12/16/09 at 12 noon. On Thursday, 12/17/09 I will announce the two winners (the blog post winner will receive the $500 card and the comment winner will receive the $100 card) and highlight their stories.

What are you waiting for? Submit your entry today!

PS Yes, you can submit an entry as both a blog post for a chance to win the $500 gift card AND as a comment below to win a $100 gift card but keep in mind that you will not want to use the same thing for both necessarily because we will be holding a blog post writer to a much higher standard of creativity than a commenter so you might want to enter an abbreviated or alternate version of your blog post as a comment below to have a chance for both the $500 card and the $100 card.

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Credit Cards

Do you have a unique story to tell about credit cards or something related to small business/personal finance? If so, contact us to submit your own guest post ideas and you could be featured on our blog!

Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

101 Responses to “Win $500 in the 2009 Credit Card Chaser Love/Hate Credit Cards Contest”

  1. PT says:

    I love my BOA Amex because I earn around $250 in reward cash every year for spending what I normally would. I hate any card that charges an annual fee. I just don’t get that. Good luck with the contest and the blog.

  2. I love my Home Depot Credit Card because when I caulk the bathroom and kitchen sink, I can use the card to smooth out the filling! I also hate my Home Depot credit card because i tried canceling it after getting the initial 10% off, but the sales rep threw another 20% off for my next round of purchase. I can’t get rid of the thing, so I just use it as a spatula.

    I hate my American Express corporate card because it does absolutely nothing for me. I have to pay for my expenses out of pocket and then wait for my company to reimburse me. What’s the point in that?? I get late fees every so often, which is accompanied by a friendly guy from Mumbai with an Indian Western accent asking me where my payment? I also love my AMEX corporate card because it has an unlimited line of credit, which seems to attract the ladies every time I’m taking out my clients for cocktails!

    Look out for a future blog post Joel! Just need to find the time to write because work is just kicking my A&&!



  3. Kris Cavanaugh says:

    I love my Amazon.com Chase credit card because once I rack up 2500 points I get a $25.00 gift certificate for anything I want!

    I hate all credit cards because they can consistently increase their interest rates which causes people to stay in debt much much longer than they have to be. I wish all credit cards would have a flat interest rate under 10% so that people who make poor choices would have a chance to turn things around financially before they are too old to enjoy life!

    • Joel says:

      I love Amazon (except for when I give into my vice of buying too many books since I’m a member of Amazon Prime I get free 2 day shipping and its hard to resist!)

      The downside to a world where credit card companies had to keep their rates below 10% is that most people would never be a good enough credit risk to get a credit card in the first place.

      All the more reason to never carry a balance – thanks for the comment!

  4. thisisbeth says:

    I love my DiscoverCard because I can apply the 1% (or whatever) cash back right back to my bill–plus I love the 5% cash back at certain places, depending on the season.

    I hate my Bank of America Visa because it won’t let me pay online; I only keep it in my backpack that I bring to work for days I forget both my wallet and my lunch, so I don’t use it very often at all. It would be nice to return from lunch and pay the bill while it’s fresh in my mind.

    • Joel says:

      Ehh my wife has an old credit card that we rarely ever use because it does not offer online account management. I love my American Express because I just have it set to auto pay the balance in full every month from my checking which I think is a very cool feature and of course it forces me not to carry a balance since doing so would negate any of my cash back rewards pretty quick. Thanks for the comment!

  5. I absolutely love my Westpac altitude card because it helps me finance my purchases of expensive sunglasses, beer and eBay purchases. Sometimes all 3 at the same time!

    I hate my Westpac Altitude card because of its annual fee, them cutting their Frequent Flyer conversion program, the extra delivery fees they charge on redeeming the points. I also hate how they drop sneaky over limit fees on me when I have no credit left?

  6. Gabbi says:

    Well, just in time for the Christmas season… I received a notice from my Chase Mastercard that the card I seldom use was going to have an increase in my APR and my spending limit was going to be going down. WHY??? was my immediate response. It seems as if I don’t use my card frequently enough, the purchases I do put on my card are large purchases (like trips or big ticket items), and recently my card was compramised and the company had to issue me a new card… This card we have had in excess of 10 years and try to keep it paid off, this is what Chase has done for us!

    • Joel says:

      That appears to be the exact same thing that happened to me as I have had the card for the longest of any of my credit cards and they treat me the worst for sure. Thanks for the comment!

  7. J. Money says:

    Best card ever = USAA Cash Rewards. Free money, exceptional customer service, I seriously wouldn’t trade it for any other….boy, I should work for that place! haha…you hear that USAA? Here I am come and get me ;)

    @Financial Samurai – Since you’re so good w/ home improvements, how about you come over to my place and hook a brother up? I can pay you in my rewards cash.

    • Joel says:

      I think I know a few people that work at USAA myself actually as there is a huge USAA building close to my house. As for home improvements I am definitely glad that you asked FS instead of me! :) Thanks for the comment!

  8. DJ says:

    I hate my Wachovia Debit Card because it took them 2 months to replace my expired one. The system marked my address as invalid, none of the reps noticed “Talahase” was misspelled, not even the local one.

  9. I love my President’s Choices Mastercard because whenever I spend money on it, I get a LOT of PC points to use in their stores.

    I’ve gotten around $940 worth of free groceries and toiletries from the store, just by using my credit card for EVERYTHING. Even $1 purchases!!

    They also call me to verify when they think there is suspicious activity going on, and they have been the most attentive out of ANY credit card issuer I have ever used.

    • Joel says:

      I am definitely with you in that I love using my cash back card. I try to use it for everything even if its the smallest purchase. Thanks for the comment!

  10. Lisa says:

    I love my US Bank card because it’s sending me to Miami next month! Everyone deserves a vacation, right?

    • Joel says:

      Of course! Much nicer to relax and take a vacation when you know that someone else is footing the bill too! Thanks for the comment!

  11. darlene says:

    I hate my Bank of America Mastercard! I got decent customer service when the card was with MBNA, but then it was changed over to Bank of America and they’ve treated me poorly ever since. I’ve had a perfect payment record on this card since 1992 and have no blemishes on my credit report; for this I have been “rewarded” with rate hikes and $60 annual fees. Every time I have called to request a rate reduction or an annual fee waiver since the switchover, they have turned me down. The card also offers no rewards of any kind. I’d ditch it but it’s my card with the longest history and I don’t want to take a credit rating hit by closing it. So, I’m keeping the stupid thing open and active and paid in full every month — I have a recurring monthly bill automatically charged to it so that they don’t shut it off for lack of use but otherwise am keeping it in a drawer.

    • Joel says:

      I hate that! At least you are doing the right thing in having the card pay a recurring monthly bill because a couple years ago I made the mistake of just not using a card and they canceled my card without warning. Thanks for the comment!

  12. leslie says:

    I love my Discover Card because whenever I have called to request something, they always obliged and were very friendly about it.

    I hate my PNC debit card because they tried to charge me for a new card when an ATM ate mine.

    • Joel says:

      I don’t personally have a Discover Card but I will admit that the Discover More Card might be a card that I may have to get sometime soon because of the cash back. Thanks for the comment!

  13. Tiffany says:

    I love my USAA debit card! I get cash back on purchases, no ATM fees from other banks, refunded ATM fees from other banks, interest on the account, overdraft protection, free unlimited transfers to my other accounts, free (& super easy) bill pay. I’m sure there are other features I’m forgetting, but I just can’t keep up with them all. Not to mention the customer service is out of this world. I tell everyone I know to bank with USAA if they can – I have never found another institution that is so customer and wallet-friendly!

    • Joel says:

      Hearing a lot of good stuff about USAA! Do they offer any rewards on debit card purchases? I love my BOA debit card but I am considering opening a second account at PerkStreet Financial so that I can use their 1% cash back debit card. Theirs is the first debit card that I have heard of with cash back but I could be wrong as maybe others do it as well. Thanks for the comment!

  14. Love my Costco Amex card because it gives 3% off gas, 3% off dining out, 2% off travel, and 1% off everything else.

    My Citibank dividends card isn’t bad either.

    • Joel says:

      Yea!!! Someone else that loves the Costco American Express – that one is my personal favorite. Thanks for the comment!

  15. JessicaW says:

    I love my USAA Mastercard because when we were in a bind due to a legal snafu and our adoption expenses went far over budget. We were able to use the card to bring our daughter home, and pay it off from our tax refund the next year. I hate my “first card’ which has been open since they hooked in in college with US Bank. I’m paying it off this month, and I often mail more than one payment in a month. This month took the cake–the charged me a $39 late payment fee becuase they posted a second payment in a month–before the start of the next billing period. Idiots.

    All my cards have been cut up since January, and I’m loving the plastic-free life, but I was really glad to have that one card there to help us when we were really stuck in our first adoption.

  16. @Joel – Yikes man, competition is stiff! Looks like I have a guppie’s chance of surviving in a shark tank to win! Oh well. Back to drinking water, I mean vodka, during happy hour time after work.

    @ J – I forgot to mention that I re-grassed my entire “lawn” over the weekend, hauling out 6 tons of grass and rock myself. Too bad for me 3 months later, the grass all died cuz I don’t have enough direct sun! Damn. Donno if you want me to help you with the remodeling, especially since you have a 3, or was it 4 story MANSION!

  17. J says:

    I love my charles schwab 2% cash back card. At the end of each money the 2% is swept into my account – no waiting to reach certain ‘levels’ before you can redeem – and you can’t beat the straight 2% cash back on everything.

    Also, schwab customer service is great – haven’t experienced any better.

    • Joel says:

      I have heard good things about that Schwab card. Getting the 2% back at the end of each month is definitely a big plus instead of having to wait and get cut a check once a year like with most cash back cards. Have you ever ran into any trouble with Schwab making you keep a minimum amount invested in the market? (because with that card I believe you also have to have an investment account at Schwab with a certain minimum dollar amount right?) Thanks for the comment!

  18. J says:

    *each month

  19. Sarah says:

    I love my USAA Debit Cash Rewards and USAA Platinum Cash Rewards. Great interest rates on the Platinum, awesome rewards program, and the best Customer Service (Americans too! Not outsourced) anyone can ever hope to have in a bank. I don’t know what took me so long to sign up with them! Bonus, I went on vacation and was able to defer my payments for 2 months, no forms, no hassle, no additional fees. Plus having a credit and checking account with USAA lowers my USAA Auto Insurance premium. What more can you ask for?

    Orchard Bank is by far the most hated of my credit cards. Outrageously high interest rates & their customer service is horrendous. I never get a native English speaker or at least someone who speaks comprehensible English. You call for one thing and before they’ll do what you want, they keep you on the phone for 30 minutes trying to sell you 5 different things. It’s frustrating, aggravating, and if it wasn’t my longest held card (and thus helping my credit score), I’d cancel it. As it is, I buy something only as often as I need to in order to keep them from closing the account and I pay it off that month.

  20. kait says:

    I HATE my Chase Debit Leisure Rewards card. Oh, sure it does an alright job of providing me with Visa Gift Cards once a year. However:

    It costs me $25 a year to have the ‘privilege’ to earn points for said gift cards.
    You actually take a bit of a cash-value loss if you aim for straight up Visa gift cards (I take it you’re supposed to support their sponsors i.e. Ruth Chris Steakhouse).
    I, a savvy 20 year old, online-class taking woman had to physically sit down with a banker at the local branch to figure out how to reward these points. The online system is so hare-brained that it’ll confuse the best of us.
    To top it off, if you don’t remember to run your card through as “credit” (or aren’t given that option) you don’t get points. So, this credit-card free, debit-card wielding customer gets screwed out of points on a disappointingly regular basis.

    Overall, Chase Debit Rewards card is a major fail.

  21. Austin says:

    I LOVE my Schwab Invest First Card because it gives me 2% back on all purchases with no minimum.

    I don’t spend enough at a specific location so the regular cash back works well for me.

    • Joel says:

      Another vote for Schwab – is there a minimum balance that you have to keep in your Schwab account invested in the market in order to be eligible for the 2% cash back? Thanks for the comment!

  22. I love my platinum Mastercard Card (from National Bank).

    It increases my warranty on any goods I purchase (double up to 2 years) and I get a huge loads of points for my purchases.

    I recently get for $1,000 to renovate my basement :-D

  23. Money Funk says:

    I hate my Wells Fargo Visa Card because they just jacked up the interest fees and I have a big balance on that one. I don’t get any money back. No bells, no whistles. They just get to suck up 19.85% interest from me. (yes, ouch)

    If I go by Bankrate’s credit calculator it’ll take my husband and I almost 5 years to pay that baby off. Oh ya, they’ll make about $4000+ in interest, too.

  24. Josh says:

    I love my USAA American Express Card, gives great cash back rewards every year (I love it paying me for using it!) and its interest rate is LOWER than my MasterCard. Total win win.

  25. Carmen says:

    I have a love/hate relationship with my Chase Business Rewards credit card that I opened when a couple years ago when I was about 22. No, I wasn’t a business owner, so I have no reason why they offered it to me. I told the guy that I don’t own a business but he said that didn’t matter.

    The thing I love about it? Well I earn 3 points for all my gas, restaurant and home-improvement store purchases. That’s most of what I buy anyway, so my rewards add up so quickly. Once I get 5000, I just cash them in for a $50 check. There’s always some unexpected bill popping up, so it’s nice to have a “free” $50 to cover those expenses a few times a year.

    The thing I hate about it? Well, since it’s a business card, it doesn’t show up on my credit report. Because I’m still pretty young, I want to do as much as I can now to build a healthy credit report, including making sure that my good behavior shows up when the report is pulled, especially whenever I go to buy a home.

    Once I weighed the benefits and drawbacks, I ended up applying for a Citibank Cash Rewards card which I like, but it’s a flat 1% reward on everything. However, they do report to the credit bureau (I checked before applying) and cut you a $50 check automatically. I like that perk over having it automatically applied to my balance or in the form of a store gift card like some other credit cards do.

    So far, my experience with both companies in terms of customer service has been surprisingly great–I had a Citibank card in college and they caught a phony transaction someone made across the country as soon as it happened, so that it never even showed up on my statement or anything. I thought their proactive-ness (ya know what I’m trying to say!) was quite a relief!

    The moral of the story is that I have yet to find the perfect credit card yet–but isn’t that life? Always seems to be sweet with the sour, and credit cards are no different!

    • Joel says:

      I agree, I had a credit card stolen in college and the issuer immediately canceled the card, sent me a new one, made sure I didn’t have to pay for any of the fraudulent charges, and even sent out a private investigator to find the thief (they did). Thanks for the comment!

  26. Joel – After reading all the comments, who has been able to combine humor, poignancy, originality, and the right length of words to win this competition so far?



    • Joel says:

      I have a few in mind that I like so far but we will have to wait and see on the 17th when Deloitte & Touche finishes tallying my picks and opens the envelope! haha J/K :)

  27. Amber Harness says:

    I LOVE my Chase Debit/VISA rewards card because I get points for every dollar I spend and I go to a catelogue and pick VISAs for 15 or 25 dollars! I HATE the debit Chase card because I am competitive in nature and will try using the thing everywhere to earn the points and I know I should use cash at many places to avoid overspending….. Foiled Again

    • Joel says:

      One strategy I like to use with my cash back American Express card is that I set the card to auto pay the balance in full every month from my checking so that I am forced to never carry a balance but still get the 1% to 3% cash back that I would not get if I paid with cash. Thanks for the comment!

  28. I LOVE my Blue Cash American Express because they automatically credit my card with my annual cash back earnings. I HATE it because I have to spend a lot to earn a significant return and it’s not accepted by all businesses.

    There’s nothing worse than getting exited to get cash back on a large purchase, only to feel the disappointment of the AmEx not being accepted with the retailer! :-( I always get buyers remorse thinking of the cash back I could have earned on the purchase.

    • Joel says:

      I know exactly that feeling as that is why I have a Visa cash back card in addition to my primary American Express cash back card. Thanks for the comment!

  29. Amanda says:

    I love my VISA debit card because I get points for spending on everything that I need without the interest rates and extra fees.

  30. Doreen says:

    I love my Canadian Tire credit card because I get points just for using and there are times when I get to buy something for free.

  31. Monique Rowe says:

    I love my Royal Bank visa- it has the lowest interest. There is also no fancy bells and whistles and we don’t have to pay no annual fee. We need to keep it as basic and bare bones as possible.

    • Joel says:

      I agree with you about the annual fee because I personally don’t carry any credit cards that require an annual fee. Thanks for the comment!

  32. Chris P says:

    Love one of my local department store cards because there is no interest and my Wells Fargo credit card because they have consistently given me great service. Hate the rest of my cards-as the interest rates are going up even though there are regular and on-time payments. I also hear annual fees are a real possibility on most cards. Arghhh!

  33. Gary says:

    I hate all credit cards. I’ve lived in Alaska for 30 years, and on countless occasions, the card companies got to charge me late fees and interest, because they claimed my payment was always a day late. When I finally was able to pay off all debt, 10 years ago, I began playing their game of using the rewards. I had 3 Chase cards, and when I tried to cancel, I got the same story in this blog. Not only did then not cancel the cards, but I started getting the fees on the cards which I didn’t have any idea what they were. Finally after several arguments and talking to a manager, they agreed to cancel the cards, and took 43000 reward points with them. When I called again, they refused to talk to me about it.

    • Joel says:

      My wife has an old credit card that does not have any online account management since they apparently still think it’s the 1980′s so we rarely use the card except for a few purchases here and there to keep the card from getting canceled. For my AmEx card that I use regularly for the cash back I manage everything online and just set the card to auto pay from my checking account every month to pay the balance in full and that way there is never a late payment. Thanks for the comment!

  34. Peter says:

    I love my Chase Cash Rewards Mastercard because I’m able to use it for things that I would end up buying anyways (groceries, gas, etc) and end up getting cash back every year. I also like the added protections the card gives me on larger purchases, things like added warranty protection and fraud protection.

    I hate that same credit card because if you’re not careful they company can really screw you.. Be late on one payment and they’ll charge you fees – or jack up your rate – no matter your history.

    I’m all for responsible credit card usage, but be very wary. They’re not you’re friend and they will get you if you don’t pay attention!

    • Joel says:

      I definitely agree that they are not your friend nor should they be but using the card responsibly can have a lot of benefits. Thanks for the comment!

  35. Cory Kaufman says:

    I hate Chase. I have the Chase Freedom card. Last year they decided that because I’d made three payments in one month (I have irregular income and didn’t have enough to pay it off at once) that they’d hold my future payments for 10 business days before crediting them to my account. (Which means it’s that much easier to go over the low limit they gave me).

    Then, about two months ago, they reduced my rewards from 3% in top 5 spending categories to a points system that at best gets me 1.5%.

    • Joel says:

      Wow, I had never heard about the 10 payment hold before although I had heard of issuers not letting cardholders make more than a certain number of payments every month. Thanks for the comment!

  36. Jacqui says:

    I love my Amex Clear. I don’t think they’re available anymore, but it’s perfect for me – 1% cash back on everything (paid automatically as $25 Amex gift cards), generous credit line (with option to pay over time, though I pay in full every month anyway), and best of all NO FEES – including the hardest to avoid international transaction fee. My husband and I out of the country much of the year for his work, so that’s a 3% savings on a huge number of transactions. :-)

  37. Craig says:

    I love my Mastercard CC because I get cash back every time I pay in full on the previous month’s bill. I love getting my CC bill the following months and seeing a few dollars rebate for paying in full on time.

  38. p says:

    Alrighty, here goes… I love my amazon.com VISA because I can earn gift certificates for my favorite shopping website (amazon.com, go figure). Even better, they ran a promotion where you can earn triple points for purchases at grocery, drugstores- pretty much all normal daily purchases. Very nice and consumer friendly.

    I hate my… new perkstreet financial card. I admit, I opened it just to earn the bonus, but 1% “perks”? As in, spend $100 and get 1 free music download or $1 cashback? Wimpy.

    • Joel says:

      Yup, I love Amazon too. As far as PerkStreet goes there is no way I personally would sign up just for the free music downloads but the $1 cash back option I would definitely be interested in. Thanks for the comment!

  39. I love my Schwab card because they give me 2% cash back right into my Schwab account…I can just transfer it out and save it, invest it or spend it.

    I pay my card off in full every month, and I love the perks.


    • Joel says:

      Hearing a lot of good things about the Schwab credit card – if only I could tie it to any investment account and not just a Schwab account. :) Thanks for the comment!

  40. Gina says:

    I love my Blue Cash American Express card. I’ve had it for over 10 years, and I earn significant cash back once a year on my purchases, up to 5% on regular things like groceries and gas. I’ve had excellent customer service from AmEx over the years, including a phone call to my home on a weekend when they saw unusual activity on the card (that wasn’t me). They immediately canceled my card and sent me a new one, and because they blocked the charge from going through, there was no problem. By calling me, we were alerted to the issue right away instead of waiting to see the monthly statement. By charging all my everyday purchases and paying the balance in full each month, I’m earning extra cash and establishing a good credit history.

  41. What’s purple, rhymes with “Mozzie” and rarely gets used? Its my Aussie MasterCard. I love my no-monkeying-around, straight up the guts, no-frills, low interest card that keeps me out of trouble.

  42. Sharon Drinkwater says:

    Imagine getting paid for every mile you drive, earning 5% rebates on gasoline, groceries, and drugstore purchases the first year (3% the following years) and 1% on everything else. Then imagine paying for most of your car maintenance and repairs with this money! Sounds too good to be true? IT’S NOT!
    I LOVE, LOVE, LOVE my Citibank Drivers Edge Mastercard. Three years ago, my husband got transferred to a job location that was a 100 mile round trip commute. We were VERY discouraged that we had to spend so much more on gasoline per week and future car repairs especially with the gas crunch. I had another Citibank card that earns cash rewards so I knew of their great service. I got the Drivers Edge card because we get 1 cent for every mile we drive our car in addition to the 3% rebates for gas, groceries and drugstore purchases and 1% for everything else! We charge EVERYTHING we can, including our son’s college tuition, so the rebates accumulate very rapidly monthly. Just think, we earn at least $5 a week on my husband’s commute alone and rack up the dollars on all the other miles we drive the car! The rebates can be used for car maintenance, repairs, supplies, and car purchases. We have used our rebates for car inspections, oil changes, major car repairs, new tires, and even used rebates toward the purchase of our new Honda! Citibank customer service is outstanding, understanding, and very customer oriented. They have so many other services offered too. Most people drive cars and spend money on gas and groceries, SO THIS CARD WOULD BE BENEFICIAL FOR THEM TOO!
    I HATE, HATE, HATE my BJ’s Barclays Bank VISA card. I got it to earn 2% on my BJ purchases since I could only get 1% with my Citibank card. I was one day late paying a $61 balance and got charged a $39 late fee! I had never been late in the past so the amount of this fee SHOCKED me! I called them to ask for a courtesy credit because I had never been late before, we always pay our credit card in full every month and have a high credit score. The woman said unless it was a bank error, she couldn’t give me a credit. I was so mad! Then, I just got a letter in the mail stating my interest rate has been increased to 25.9% because of my late payment! I WILL NEVER USE THEIR CARD AGAIN!
    I love saving people money and try to tell everyone about my great credit card. My hope would be that someone reading this will get the Citibank Drivers Edge Mastercard and start racking up the rebates too.
    Thank you, Sharon

  43. Tera says:

    I LOVE my chase card because of the customer service and the rewards,
    I HATE my capitalone card and it’s annoying that I have to keep it open since it is my oldest card. After ALL these years, despite not having any consumer debt, and have a credit score of over 750, they still refuse to increase my limit from 1200!!! Hate them!

  44. Anne Alexander says:

    I love my walmart credit card for the convience. I hate it for the high interest rate

    • Joel says:

      The only thing I hate is when the Wal-Mart associates roam around and keep trying to get me to apply for the Wal-mart credit card multiple times! Thanks for the comment!

  45. Brian says:

    Joel – You’re gonna love my post today about my three credit cards broken down into relationships. There is my Ex, my friend with benefits, and my long term relationship. Enjoy buddy. http://bit.ly/64TzG4

  46. Wow, a lot of comments! Nice.

    Come visit my site first thing tomorrow morning. Cheers, Sam

  47. Patricia says:

    I just LOVE my Sears and (former) Advanta credit cards! Their cool, casual introduction of interest rates that display a level of usury that would have impressed even my dear Uncle Tony and his “associates” has finally cured me of my addiction to credit and carrying a balance. Sure, once I’ve paid down my existing balances, I may go back to credit cards that offer incentives & rewards …but learning the valuable lesson of “living a cash life” is truly priceless!

  48. Yana says:

    I love my Charles Schwab Visa card because it gives me cashback, and comes from a firm that gives me excellent service. This card gives value, just as Charles Schwab does.

    I hate Providian National Bank, which has since been bought out by (I think) WaMu/Chase – which makes me shun them – because it was their modus operandi to sue customers who do not accept illegal collection calls, and use the lowest of the low agencies that linger indefinitely in their illegal harassment tactics.

    • Joel says:

      From what I could find online I believe that you are correct in saying that Washington Mutual / Chase bought out Providian National Bank. Thanks for the comment!

  49. Angie says:

    I love my Chase Freedom credit card because of the 1% – 3% cashback, PLUS the $50 bonus they give me whenever my rewards dollars reaches $200. This year my rewards dollars alone funded my summer vacation! Sweet!

    I hate Bank of America credit cards because they hike up interest rates to rediculous amounts even though there never was a late payment on the account.

  50. KEIANA says:

    I love cc because they help you out of a financial bind when needed. I hate cc only when customer service is rude and don’t want to take the time to help you out when needed. Otherwise, it’s good to have a cc for an emergency.

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