Credit Cards

WIth all of the different credit cards out there, it can be tough to decide which credit cards to carry in your wallet. This directory of credit cards and credit card offers can help you decide. Read reviews of different credit cards, rate the credit cards that you carry, and explore the latest credit card offers.

Recent Happenings

2005 days ago

I called around to alot of dealers and was given the run around when I showed up. Not only did the William E. Lewis, Jr. & Associates say what they were gonna do, they followed through with what they told me in the beginning, I was driving the very next day!!! Thanks William E. Lewis, Jr. & Associates ! You guys rock!

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2749 days ago

One of the worst companies out there. I was a 10+ years credit card customer. They kept raising my limit without me asking. They gave me an O.K. interest rate 15.9% with my perfect credit. THen I found out they were giving my sister with less than perfect credit 12% rate. I called to complain, they did NOTHING. THey would not reduce my rate. Anyway, I continued to use their card begrudgingly and then suddenly they raise my rate to 22% for NO REASON at all!!! I had a fixed rate of 15.9 for years. I payed 10 times the minimum payment every month. I never missed a payment for 10+ years. I complained and they did NOTHING. I have stopped using them and would never recommend them to anyone. They are blood suckers and will suck you dry if you owe any money. Avoid at all cost!

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2817 days ago

I signed up for an Upside Card on 8/17/11 and received it within 7 business days. It appeared to have great features, until I misplaced my card. I called to order a replacement card, which was 9.95, which I didn't mind paying. However, I've moved into my dormitory since applying for the original card, therefore I wanted my new card sent to my current address. I was told the first 90 days your address couldn't be changed. After pleading with the customer service rep over the phone, I asked for any alternative to getting my card to my new address.

I was advised to fax over a copy of driver's license, utility bill, and a letter give authorization to release my new card to my most current address. Well, I faxed over my license and the letter (being that I am in college, I have no utility bills), and my parent's electric bill. I called to verify confirmation and was told that the bill was unacceptable (although in the letter I explained I was in college with no utility bills. The following day I faxed over school registration info proving my current living quarters.

I contacted Upside customer service to verify receipt of this information, and again was told this information wasn't sufficient. Finally, I asked for a supervisor...only to be told that there was no supervisor on duty (which was ironic, because the documents I'd faxed over were attentioned to supervisor on duty)...strange, right?

Being that my original address was in OH and I'm currently in GA, I wanted my card to come directly to my current address. My payroll was deposited within days of this issue, and I had no other income. The end result was me having the card rushed to my parent's address for $15. Then my father had to paid $23.90 to have it rushed to me....all simply because I didn't have a utility bill registered in my name. I am only 18!!!

To top off my misery, I was charged 0.99 per call (7 calls total). After receiving my card, I called to activate it...because it wouldn't allow me to activate the replacement card online. After verifying my address (parents'), I was told the address was incorrect...which was ridiculous. I was then told that the address was completely wrong and that the state didn't even match. From there, I gave my current (dormitory) address, and was told that was the correct address.

After 10 ten days of attempting to resolve this problem, which resulted in me faxing documents, paying rush delivery fees, having the card sent to the original address, and my parents still having to receive and mail my replacement card to me....Upside had actually updated my address!!!! I was furious. I took out all of my money and switched to the univision prepaid card....excellent choice!!!

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2987 days ago

I used to had a secured credit card through Orchard Bank. It was a good experience at the time because it was the only way I could get credit. However, things did not run as I was initially told they would. I never got the interest I was initially promised on the amount the bank held as collateral. And it look much longer than I was initially told before I finally was able to change to a regular Credit card. Overall, if you have bad credit and don't want to pay a bunch of fees you can't afford anyway, secured is the way to go..

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3014 days ago

Not having a checking account at a local bank, I decided on getting this upside card to deposit my tax refund. I applied for the card on Jan. 29th and waited the 10 days to receive the card. On the 12th day I emailed them to tell them I hadn't gotten the card. The responded with a standard reply of: it takes 10 days to get the card. Even after I just told them it had been 12 days already. In the meantime I file my taxes and have my refund direct deposited onto the card. So, on Feb 11th the refund is on my card, but I have no card. So I email them to tell them I still haven't gotten my card. They respond that they will send me another card. So the next day I log onto my account and see that they have charged me $9.95 for a replacement card, but I don't know if they have mailed the card yet or not. I have bills due Friday, but I'm not expecting the card to be here by then either. When/if I do get the card and get it activated, I will run as fast as I can to the nearest ATM, withdraw the maximum each day until I get all the funds (minus their fees) and forget it. While they may be within the law (questionable), this is a scam for the company to get what fees it can from those unfortunate enough to be able to get a regular debit card. My advice is NOT to get this card.

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3057 days ago

HORRIBLE HORRIBLE HORRIBLE HORRIBLE!!!!!!! DO NOT GO WITH THIS CARD!!!! WORSE EVER!!!!! Ok here is the story. I had fradulant charges on my account so I had to call them to try to get the charges back ($2.99). When I called this first time they did all the stuff they needed to do to try to investigate it. They had to cancel my card to be able to send me a new one ($8.95). We did this on Nov. 23, 2010; here it was Dec. 8, 2010 and still no new card. Called them again to check on the status of this problem ($2.99) and they said well we sent it out so I don't know what we can do instead of trying to see if they can he just said they can't. I asked to talk to a supervisor like I have done plenty of times when I call, but again big suprise no supervisor was supposibly available to talk to. I hang up get online and email them. 2 DAYS LATER I FINALLY GET A RESPONCE!!!! They told me that all they can do is send me ANOTHER new card ($8.95). This was now Dec. 10, 2010. I demanded that they send it rush delivery so I will get it within 2 days because I had money just setting in my account that I needed to pay my rent and all my other bills so they wanted to charge me for that too ($15). Dec. 14, 2010 still nothing. I try to call them one more time to talk to a supervisor ($2.99) and when I get threw again there is no supervisor to talk to and I demand he gets one for me and he said he couldn't that he tried what he could then hung up. So here I am even more pissed with them. I call back again to really rip them a new one telling them how I feel ($2.99) and again they hang up when all I said is that I am really tired of how they are treating there customers and then thats when they hang up. I finally get threw to them agian on Dec. 23, 2010 ($2.99) telling them still nothing on the rush delivery. We check my address; its all right nothing is with that. They try blaming the post office. We get a new one sent out for a third time ($8.95). Here it is now Jan 9, 2011 and I still don't have a card. I have about $756 on my account after all my direct deposits and not being able to touch any of it and after all the charges that they charged me and REFUSED to refund me because of there mistakes I am down to $699.20. The amount that I was trying to dispute was only $50.23. I spent about $56.80 to get $50.23 back. That was a waste and Upside is not wanting to do anything about all the charges that they charged me for nothing. O and did I mention that the people at Customer Service barely know how to speak english. Yes thats right. There head office is in India. Here I am on Jan 9, 2011 with still no card at all. I am still waiting for a card. They do not know how to treat there customers with any respect. DO NOT GO WITH UPSIDE!!!!

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3058 days ago

I didn't even want to rate the card with one star because it doesn't deserve it. I got my upside card a week ago because they allow you to hold up to $10,000. However this company has given me nothing but trouble since I got the card. The card says that I can withdrawl $500 at the atm a day, but then when I tried to do that, the card decline! So, I had to call customer service that ended up charging me $2.00 for funds that were available. The first person I spoke with ended up putting me on hold, and then he hung up after 5 minutes. So then I called back mad and the women rep stated that is was my fault the call disconnected. I told her she lost her first, last, and middle mind, and that I want my money out of that account now! She then informed me that I can only take out $250 at the atm, but the form that I read to her stated that I can take out $500. So I was really pissed because this company charged me twice for a bs phone call and lied about atm withdrawls, and than they ended up blaming me for the disconnected call. I tried to speak to a supervisor, and guess what.... All the supervisors were not in the office! The bottom line is, if you like be charged fee after fee for something that is not your fault, than be my guess. My warning to everyone is to stay away from upside visa pre-paid.

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3188 days ago

To echo another review - This card is crap. I have already posted a review and wanted to update. It is now 1 full month since I purchased this card and they still do not have my information correct to load money on to it. They keep sending 'form' emails saying, no signature, bank info incorrect, never rec'd my fax with my bank info. All of which is not true because I have copies and confirmations of everything I have sent. I have requested a refund 3 times just today due to their inability to set up my account so that I can use it without having to pay fees. If you put money on it from a credit card it costs $2.50 and if from a bank nothing. So of course my credit card method works but have waited a whole month for the bank method to be activated. AS of today they say they never rec'd my fax (which I had fax'd because I wanted them to see that every thing was there and correct 2 weeks before that date) So guess what, if I refax it now it will take another 10 days to activiate and I feel sure by then it will the same "form" emailed info. I have already rec'd 3-4 times. VERY FRUSTRATING! I paid for the EDGE program which originally cost me 29.95. Now waiting to see if they will refund or send another bogus email.

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3202 days ago

I have just bought an UPSIDE Visa and have had nothing but trouble since the moment I tried to set up my user id and password. I was on the phone for 41 minutes with an INDIAN customer service rep who does NOT speak English plainly and who contradicted all the written instructions as well as himself the entire time we were on the phone!!!!!! Finally he verified my information (which should have been the first thing he did) and found out they had put my DOB in wrong and that is why it did not recognize me as a cardholder and would not allow the ID/PW setup. He wanted to charge me $2.99 for this BS!!!! Actually I had to tell him that he was wrong and read him the directions that were sent to me multiple times before he figured out the error. He kept asking if I had put my info in correctly and finally I screamed at him that I had put it in correctly about 15 times and that is why I had to call. Then I had to call to see if they had rec'd my bank authorization form because their account website does not show any pending activity. Paid $.99 for that call. Now rec'd an e-mail from them that my bank authorization form is not valid because it has no signature on it! However, since I Fax'd it to them I could simply look at it and CLEARLY my signature is there!!!!!! I did not call back b/c I will get charged for it and that is all the activity that has taken place on my card/acct, is charges to them and nothing to my benefit. So I e-mailed them (it says they will respond within 10 days!!!) So anyway I am warning everyone NOT to get mixed up in their scam. I believe they do all this to force you to call so that they can get the funds from your card. I hope that you read this review and decide not the buy into UPSIDE Visa. Wish I has been that smart!!!!

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3218 days ago

I don't even know where to begin with UPSIDE CARDS! I opened an account got my card and then moved a few blocks away. I changed my address with my post office. Well someone stole my card one day. And so I called upside to replace my card. NOT EASY AT ALL! Check it out...I could log online into my bank account and send email msgs to CUSTOMER SERVICE. However, UPSIDE would not issue me a new card until I faxed them 10 pages of information!!!! So I faxed them the info and STILL THAT WASNT GOOD ENOUGH!!! I had to call their "RISK MANAGEMENT TEAM". So 2 months I go without any card at all! Yes 2 months. Meanwhile I had things being deposited into this account!!!! SO I had money in the account. NEXT they finally AGREE to send my card. AFTER I FAX about 20 more pages of documentation. SO I go online and check the address and THEIR REP typed it in WRONG!!! I was like OMG are you fricken kiddin me??!?! For REAL? So I call up and the REP says.."I will change it and not charge you a replacement fee." Really you wont charge me a replacement fee for YOUR mistake...wow I'm lucky! So meanwhile $1271.00 sits in my account. So I log online to check my account and YES thats right they charged me not ONCE but TWICE the $9.95 replacement fee. So yes they tried to charge me for THEIR MISTAKE! So back on the phone with the customer service I go. Oh ya umm we are sorry! Oh and did I tell you that their customer service is IN INDIA!!!!!!!!!! YES THATS RIGHT! So I sent the customer service something about how I hate that our jobs have gone to india and now I get crappy customer service. I am at witts end you know?!?! I've had it. Well guess what? I got an email back from "RANDY"...they are closing my account. They are going to charge me $15.00 to CLOSE it. Also I they are issuing me a check that will get here in about 15 days!!!!!!! SO WHAT THE HECK! Why do i have to pay the $9.95??? WHY? The guy I just spoke with..he doesnt know. He says he will "forward my info". Riiight just like before. In the meantime I have direct deposit going into the account TOMORROW. Guess not now right? And who knows how long it will be until the money comes. I will have to deal with my angry landlord! Oh and another thing....MAX WITHDRAWL is like $200.00. FEE TO WITHDRAWL is like $2.00 from UPSIDE and usually like $2.00 from whatever bank. So yes thats right to withdrawl $400.00 is going to cost you $8.00! Do they tell you that? Then if for ANY reason your card declines...they charge you $2.00 for that! Yes if you hit the pin # wrong or even NO fault to you....$2.00. Its like $4.00 for customer service each time. Its like everytime you turn around FEE FEE FEE FEE worse than a bank!!!! WORSE WAY WORSE! Because at least a "bank" you can walk into to resolve your problem..do you really want to GO TO INDIA to resolve anything? STAY FAR FAR FAR FAR AWAY FROM THIS BANK. I AM CALLING EVERYONE I CAN TO FILE COMPLAINTS!

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