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Clout.com Visa® Card
Issued by Clout.com |
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| Total Posts: 106 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 106 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-106 |
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| "Ripp-OFF!" |
| They have no retailers. Last thing I need is another card. |
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| Most attractive feature: Nothing |
| Least attractive feature: No one to answer phone - No retailers - Bogus |
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| Posted by: Julie |
| Date: 11/19/2009 |
Recommend?  |
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This person does not recommend this card.
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| "clout..SMH" |
| I have recieved this card right after i graduated high school.. it was a foreign lady that i talked to. didnt kno wat she was talking bout jus thiught it had some thing to do with school. At the end of the conversation all i heard was you will be recieving your card in about 3 to 5 business days...and she hung up..so that's how i got caught up with clout and now i owe them just about $3,000...Bank of america took over.. |
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| Most attractive feature: credit limit was $600 |
| Least attractive feature: A rip off |
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| Posted by: CECE |
| Date: 7/21/2009 |
| Recommend? |
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This person does not recommend this card.
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| "I've had the card" |
| I still have the last card I received from Clout Visa, which expired 08/2007. I didn't even get to use it that long, it was offered to me when I was 18 about to graduate from high school. I was also offered another credit card from 1st Financial Bank USA and I jumped at the chance, it made me feel grown lol. But now I am in major debt. I owe clout almost 3,000. They can really get you because my limit started out with $250 and it just kept on increasing as long as I kept making the minimum payment(which was only $10, and who can't pay that, right???) So I started spending even more especially when I found I out I was pregnant, so mama gotta buy for her baby, and almost maxed out. So my account has been closed for about 2 or 3 years, and they have not received a penny from me. I don't plan on paying them anytime soon, because I am unable to. So I would definitely reitterate...BE CAREFUL, because they increase those limits so that you will spend more. I had to learn the hard way. I knew nothing about credit until mine turned bad lol. |
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| Most attractive feature: Credit limit does not take long to raise |
| Least attractive feature: Raises too much and can get you in trouble lol |
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| Posted by: coolgirl484 |
| Date: 7/21/2009 |
Recommend?  |
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This person does recommend this card.
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| "Good Card" |
| I've changed my mind about this card. It's actually a good card. You just have to use it responsibly. Just because you have a high credit limit doesnt mean you're supposed to max it out! Having high credit limit with lots of unused credit increases your credit score. A while ago I called their customer service and after they helped me they asked if they could do anything else & joking I told them a lower APR would be good & later they called me back telling me I qualified for lower APR & actually lowered it lol They only took me down to 16.75% which is still high but compared to how high theirs usually run this is low. Their APR they started me off with since this was my first card was like 23 or 24%. They now have me at a credit limit of $4,500. My advice, dont close your accounts. Having multiple accounts by different banks with unused credit creates leverage. Always keep your balance on whichever card offers the best rates. Card companies will actually lower your rates when they see there's competition. Anyways, remember there is good debt and bad debt. The poor buy stuff, the middle class buy liabilities and the rich buy assets. Your financial intelligence is what determines whether or not having a credit card will hurt you. In the end, Blame yourself, not the card company. |
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| Most attractive feature: Easily attainable high credit limit increases. Excellent customer service. |
| Least attractive feature: High APR starting off & high cash advance fee. |
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| Posted by: moe4sho |
| Date: 2/23/2007 |
| Recommend? |
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This person does recommend this card.
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| "Canceling my Card" |
| I've had a card with Clout for 3 years now and ALWAYS pay my bill on time. It was my first credit card when I turned 18 so I've always felt loyal to them. I recently started going to a financial consulant who advised me to call all my credit card companies and request lower interest rates. All of my credit card companies complied and lowered my rates by 10 points, a huge reduction. That is all of my companies except for CLOUT. They gave me some BS line that the bank isn't allowing them to change interest rates for 4 months. I find that hard to believe. What I find even more ludacris is that even after I threatened to cancel my card, they're willing to let a good customer like me go. Therefore I'm canceling my card and transeferring my balance to another company!!!! |
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| Most attractive feature: The ever increasing credit limit |
| Least attractive feature: Customer service |
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| Posted by: Tara |
| Date: 1/10/2007 |
| Recommend? |
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This person does not recommend this card.
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| "Watch out when you move." |
| This credit card was a great card if you are careful with money and pay off the total amount each month. If you have a change of address becarefule because chances are they won't get it right. So you will have to watch out for the due date, otherwise expect teh late fee penatly. |
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| Most attractive feature: Easy to get approved |
| Least attractive feature: Customer service is horrible!! |
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| Posted by: Getting rid |
| Date: 10/8/2006 |
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This person does not recommend this card.
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| "This is the card that can break you" |
Let me first say, this card company targets high school grads for the very purpose of exploiting the lack of financial intelligence high school grads posess. I mention that the best feature is the fact that your limit will go up almost 150 a month, if you pay in full and on time. After six months they raised my limit 500 dollars without me asking. But this also a ploy for them to make money off you.
Clout wants you to mess up. Clout wants you to get big-headed and think you can spend more money and be in control. They raise your limit to entice you.
The fact is, if you can handle this card, pay in full and on time every month, you should be able to handle any card. My credit rating is top-notch, because I didn't fall for Clout's schemes.
I recommend this card ONLY IF YOU PROMISE ME YOU WONT MESS UP. But if you dont feel up to the pressure, there are plenty of other cards that can establish credit. |
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| Most attractive feature: Your limit increases exponentially |
| Least attractive feature: Your limit increases exponentially |
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| Posted by: Jared |
| Date: 8/9/2006 |
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This person does recommend this card.
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| "Love this card" |
| I honestly love this card. I have never had any problems with the card whatsoever and they even lowered my interest on top of increasing my line of credit periodically. I agree with daryl's review, it does sound as if poeople do not read the terms and conditions and have no understanding of credit. I believe in reading the fine print and having responsiblity with my actions, some of these people cannot fathom that notion. |
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| Most attractive feature: great for establishing credit and automatic increase in your credit limit |
| Least attractive feature: $3.00 transaction fee for payments online |
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| Posted by: dax |
| Date: 7/23/2006 |
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This person does recommend this card.
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| "BECAREFUL" |
| If you ever get this card in the mail. You should save it and don't activate it. I got a call from them and gave them my SSN. I regret it now. This card is a scam. Don't ever use it. I haven't activate this card yet. But I got another card in the mail for First National Card which was also a scam so I check up on this one and voila, another scam. So if u are a college student or turning 18, becareful. |
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| Most attractive feature: NONE |
| Least attractive feature: SCAM |
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| Posted by: Long |
| Date: 6/24/2006 |
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This person does not recommend this card.
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| "Nothing but problems and rude customer service" |
| I have a debit card through the state of NE for my child support. These are handled by Clout Visa along with Clouts other cards. I got married and requested a new card with my new name. I sent in my marriage liscense like requested. They put my info on someone elses card account. The SSN, name and address did not match but they switched it anyway. So I recieved a card in my name but someone elses account number. Had I been a crook I could have went on a spending spree with someone elses money. I have been so patient in trying to get this fixed but they keep calling me saying I am behind on my payments. HELLO.........Not my account and why can you not understand that. I will now be contacting the state and US Bank and let them know what kind of company they are dealing with. Be careful if you go through these people, they are very sloppy with YOUR information. Your info is not safe with them. |
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| Most attractive feature: There are no good fetures |
| Least attractive feature: Customer service |
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| Posted by: May |
| Date: 6/2/2006 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 106 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-106
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