I kindof remember having a clout card but never used it. Paid it off in 2006, yes, 2006... so I received a call today about it... Now how in the H&ll did it go from a 200 credit card to $2000... then i told the guy to remove my number... he said no and i am gonna have more people calling too... i said if i get another call on this line, the next call u will be getting about me is gonna be from my lawyer... FDCPA laws... better read and know your rights in your state!!!

This card started at $250.00. But when I talked to the guy on the phone, said it was $2250.00. Yes go figure. Was going to try and fix this, but didn't want to work with me. Told this person to send me something in black and white, before I sent money to him, said he couldn't, but he could send me a receipt. Hello, im not just going to send money to someone without some paper work, that I can have as proof. Stay away form this card, because it's a total rip off

ok i just got a call about this card myself and i have never even had this card so it had to be a family memeber or something but now they are trying to sue me for 7000 dollars and i have no clue of what the hell to do but heres a phone number to a real person if any one wants to check there self on this matter 1-855-286-1922 ext 107 and ext 111 to talk to a real person

I paid off my account at the end of my third year of college...that's the year they went bankrupt and started selling themselves off. I only found out about the buyout because my bf told me about it. I called BoA and asked about my account. I was told they had no record of my account so I cut up my card and went my merry way. Two years pass and not once am I contacted by BoA that my account was delinquent. All of a sudden I owe a collection agency several hundred dollars. "Pay it off," they say, "or else your credit will suck and you won't be able to get a house or another card." I pay it off and it didn't do a g-d- thing...I have a charge off and a collection on my credit report. I am currently appealing for its removal.

Clout Financial Credit Card went bankrupt and sold their accounts to about 6 different companies. some of those companies in-turn sold the information they purchased about your account to other companies/banks. How do I know, because I tracked all of the companies down in order to find my account!!! I received the card on my 18th birthday (so I was 17 when I applied)! I had a limit of $250.00 and some how ended up paying them $1,829.32 through a debt collection agency!!!!!! Worse of all is/was that there is no one contact about your account while the company was filing for bankruptcy, so your account was still collecting interest!!!!! It has ruined my credit. They reported it was "charged off" when I actually pain in full. Now I'm in disputes with the credit agency over the validity of the account's status!!!! WORTHLESS CREDIT CARD! Thanks for the messed-up lesson! Glad Karma was there to repay the debt!

when I turned 18 yrs old I received this card in the mail I activated it and that was the worst thing I ever did. I paid this card off in 2006 and canceled it and still to this day I see I owe them money on my credit report. I don't even have this card anymore and I cant contact anyone to help me from clout financial services.

They have no retailers. Last thing I need is another card.

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..

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.

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.

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!!!!

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.

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.

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.

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.

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.

I mailed in a payment to clout, USPS verified clout receiving it, the check was cashed, then they said they were going to turn me over to collections for not paying this bill. SCA.............................MMMM.

After reading some of the reviews posted for this card I can only say this about the people who had negative things to say...uh DUHHHH! One person wrote that this is a bad card to get because they spent 600 dollars, didn't make a few payments and it went up to 800. Another wrote that his debt turned into 2200 in debt. This is what happens when you establish a debt you can't pay off! You're a college student, where do you think you're going to get the money to pay off any type of credit card debt? Not to mention that you are going to have a sky high interest rate because you have no credit. It makes you wonder how these people got into college in the first place. Most important rule for anyone applying for this as their first card (actually this applies to any first card)...DON'T BUY SOMETHING IF YOU CAN'T PAY IT OFF IN 2 MONTHS. Simple! First off, I applied for two credit cards when I entered college - a Capital One card and the Clout card. Both were your typical college cards, automatic to obtain, high interest rate, low limit. Being new to the whole credit thing, I promptly screwed up my Capital One card (although they told me I had 4 months no interest and they charged me interest on a plane ticket I bought during the first month). My Clout Gold card has been a lifesaver however. I've had this card for 4 years now and after getting my credit under control, now have a 5000+ limit and my interest rate is 8 percent lower than it was initially. Best thing of all? I didn't even have to ask for it! Of course this is more a case of them trying to get me to buy more, but I'm smarter than that. I have 3 other credit cards now and NONE have taken the opportunity to raise my limit/lower my interest without my provocation. I have never paid an annual fee so I don't know what that's all about. They have a rewards program, but its not that good.

I received this card when I was unemployed and in school. How I was approved? God only knows. I didn't use it for the first two months, then began charging small amounts to it. Except for a few months, I always payed my balance in full. Interestingly, if I paid a few dollars more than minimum payment, there simply wouldnt be one required for the next month. This didnt stop the interest, but I did this on a few occasions. I recommend this card only if you dont intend on spending anymore than 40 % of your limit, and like to pay in full, as this was probably the only way I was able to avoid these problems I am reading of. Now why did I not give them a better rating? Because they are shady as all hell. Shady statements, late statements, shady customer service reps, an ameteurish website.. I did my part of the bargain and they did theirs.

Like everyone else I was entering college and I figured I needed a credit card just in case I got stuck on the highway with no money. Turns out I used my card for other things but after using my card twice I some how ended up reaching my limit. Before you know it a 600 dollar limit turned into an 800 dollar credit card bill that had no idea how it got to 800. They said so much crap to me about so many fees that I just paid the whole card off and cut it in half so I would never use it again. I still am a memember but now all I have is an account with them so I can get good credit. So my advice is get the card cut in half and never cancel it so you receive credit to get a better card.

Clout Visa is by far the worst place I have ever gotten a credit card from. Yes anyone can get this card, but if you want to pay more in interest than your balance then get this card. Also never give them more money than your balance because you will NEVER get a check back...I have been waiting for 2 months! It is ridiculous!!

like most people i began receiveing calls 2 days after i gradutaed and hadn't even seen the college i wanted to go to or chose one for that matter and had no job and wasn't 18 yet so for a little over a month i gnored the foreign man who called my house everyday about a student credit card when i wasn't even a student yet. on my birthday the foreign man called me to wish me a happy b-day how he knew my b-day i'll never know but being the dumb newly-free teenager i was i finally accpeted and $488 on a 4500 credit card and never actually going to college here i am later owing $2,316 for this card all i can say is FINE PRINT FINE PRINT FINE PRINT ....

I WISH I WOULD HAVE REVIEWED THIS SITE BEFORE ACCEPTING THIS CARD. IT HAS BEEN NOTHING BUT A PAIN WITH OUTRAGEOUS FEES AND INTEREST RATES. IF YOU WANT TO BUILD CREDIT PLEEEEEASE, DON'T ATTEMPT TO TRY "CLOUT VISA". IT WILL DAMAGE IT!!!!!

I just got my Clout Visa Platinum after having been rejected for credit before after having been a victim of identity theft and the bank accused me of running up $1000 in fees when it happened to be an employee of Wal Mart who stole my number and started running up monster charges and it eventually ended up on my credit report which hurt me getting credit years later. I was looking for a reliable credit card that didnt have the high credit lines and allowed flexibility for students to rebuild their credit after past credit problems. It would be ideal for them to start credit lines off at $300 and then increase when someone pays on time, but to start at $2,500 is steep for someone trying to rebuild their credit. I don't use my card because I am trying not to rely on credit and keeping my bills paid on time. I saw a lot of the posters on there giving their disapproval of the Clout Visa card. One poster on there was satisfied with his card and recommended it, but he also made a good point which is to read your terms and conditions inserts that come when you first get your card before signing the back of it and to use it responsibly. Instead of using credit use a debit card because you don't have the bills and you can still work with a certain budget. Your credit card should be used only when necessary and it's good to have when you book airline tickets, hotel rooms, rent cars, and anything that requires a major credit card to secure things. Credit is a powerful thing to have, but when it's used irresponsibly it can cause you problems in the long run by not allowing you to buy cars, homes, and things that require good credit to obtain. If you're new to credit start with the lowest credit line possible like $300-500, but only increase your credit when your budget permits and even then do not go over your limit because it could take you a long time to pay the balance off in full. A college student should not have no more than 3 credit cards and stay away from platinum and gold cards because some carry high annual fees and percentage rates and stiffer fees if late or over the limit. It's a good card to help those who messed up their credit, but not recommended for those who have a problem with using credit in moderation and using it in a responsible manner. So some of the people who posted their disapproval of the card are probably those who don't read every line of the terms and conditions and the fine print and if they got the cards for their children to set a limit of how much they spend on it and that will eliminate the high interest and late fees. Annual fees are only tacked on if you have not made payments on time, but it goes away when you pay your bills on time and your account is in good standing it's a security measure for the credit card company since late payers are risky to credit card companies. Word of advice use your credit wisely and responsibly and it will work for you in the long run.

Like most of you, I've gotten this card because as soon as I got in college some foreign telemarketer kept calling my house everyday harrasing me to get this card until I finally accepted just so she'd quit calling. As for my experience with this card, I have never made one late payment ever and have never went over my limit not even once so Ive never been hit with a late fee or overlimit fee. I did regret not reading the fine print about cash advances. I ended up paying $10 fee just to withdraw $20. Also even though they say there is no annual fee there really is. THEY LIE. I think they charge either 30 or 40 bucks annually. My recommendation? If you have no credit at all and can pay on time and never go over your limit like me then this is a good card to start off with. Dont build too much of a balance on this card though because the APR is too high. Just keep it to build up your credit history. Once you do that, you'll start to recieve better Pre-Approved offers from other credit card companies. Accept about 2 of the better ones with lower APR, transfer whatever balance you have then close this one. Just use this card as a stepping stone to a better one. I have called them and even though I have never had a delinquency not even once they will never lower my APR. You'd think with how badly they've tried to get me to get this card they'd have a better attitude towards their longterm cardholders but its whatever. This is more of a take it or leave it type of card. I will be closing this account real soon.

Okay, I recieved the clout card today and was suprised because I did not apply for one. Anyways, I was very cautious because I don't have any credit and just wanted to establish some. I tried getting on their website but it was down and was just trying to find out any info about this card before I activated it. I had read about 50 responses on how bad this card is. I have not used it and have not even activated it and I won't be doing so in the future. You guys have really helped me not make a very bad choice. From the start this card seemed like a fraud and not something that could be helpful later on. Thanks!!

I got my credit card in August before I started school. Since then, I have reached my limit with purchases of birthday gifts, books for school, etc. Now, I have been hit with a $39 fee for being late and another fee of $39 for being over my limit, when i'm not even sure of how i went over when I hadn't used the card in over a month. Now, I'm having to pay a payment of $90 just to keep from having another $39 tacked onto my bill. Users be aware, this card is easy to get but the fees are rediculous!

I received this card about 6 months ago and this card is awsome. I have never had any problems with this card and it is definitely a card to get especially if one is trying to establish his or her credit. Sure the interest rate is not their most attractive feature but again, when you are establishing credit, you don't receive the best rates at first, you earn it. I for one work for a credit agency and I highly recommend this card for those who do not want to pay annual fees, set fees, etc just to build their credit; you have to start somewhere. Coinciding with that, from the reviews I previously read before drafting my own, it sounds like the people who do not read their terms and conditions and obviously do not understand what credit really is. Like all credit cards, it comes with responsibility.

This card is a revolving nightmare. My daughter charged school supplies up to the card limit. The next statement came with the added on high percentage rate that put the card over the limit. She was charged another $39 for this. As we fought the charge she was hit with an other $39 late fee. This over limit is charged every month untill it is paid down.I had to step in and pay $140 just to get it under the limit.

My son got this clout card 3 years ago, and the charges keep coming. The interest rate is too high, and the customer service sucks! The management need to be revamped. AVOID CLOUT CARD!!!!

Clout.com Sucks!! This is by far the worst credit card in existence. I unfortunately got this card when I was an undergraduate in college and have had it for a number of years and have probably made this company quite a bit of money. That being said, it was a huge mistake. I'm the type of person that likes to pay my bills online and their online bill paying system is herendous and usually results in me paying a 29 dollar late fee just about every 4-5 months. And they always think its your fault. Avoid this card. It is a huge mistake. The interests rate sucks too and they never lower it.

I got this card as my first cradit card and was appalled from the moment I got the first bill. They charge you ridiculous amounts of money for 'fees'. Also when I applied on the phone for the card I was told I would have a certain APR, when the card came in the mail, the APR was 4 points higher. Disgracefull!

The card came suprisingly in the mail. I just started college so I was looking for some extra cash. I kept making payments but I would recieve a bill that had outstanding fees. Now I'm going through legal actions just for a couple of hundred bucks.

My son had used this card for 1.5 years with no problem. The problem started when out of the blue he was billed $750 for something. When he finally got to talk to someone they said someone must have stolen his number. They said they would take care of the problem, then the next month he had the same charge on the card. He continued calling them trying to take care of it with no helpful service. Finally someone told him he had an international rate to pay. He is attending college in Canada and had used the card instead of cash. Clout had gone back to October and charged him the international rate for the previous 6 months. He had never received information saying there was an international rate applyed. Also, they went back 6 months before the rate was instituted. Four months later he is still trying to take care of the problem. Clout also call my house not his number in Canada although he gave it to them. They also use an automated call system which calls me in Oregon saying for someone to call them, but his cell phone will not service that number they gave him.

Like most everyone that got this card, I was a college student and needed some spending cash soon, so what better way than getting a credit card. The statements came in so late, that I barely had any time to pay it. Also, you can pay online but the charge you to do so! I mean who charges you today to do that??? Paying online would be so much easier... if you could EVER access the website. It is always down, and I can never get in. So her I am trying to pay off a credit card that takes forever to get a statement, usually making me late on my payements, and not being able to access the website for faster, and more costly, payments.

This card is just like any other card/business, out to make money. However, this card is great for those who want financial independance without going through a co-signer. BUT!!!! One must be very, very careful and honor the 25 day grace period and not hold a balance, cause that is where they WILL get you.

I have had this card for 1 year you will think they will lower your interset hell no they say if you pay on time they will decrease that is bull crap my credit score is so good and nothing has been lowered down there best answer is sorry we cannot decrease because it all depends per how many years you have had your credit card ?? that is so dumb.... I am just dying to pay off this credit card to get rid off it they still want customer they should work with ther APR..

I am not a fan of credit cards in general, but when your 18 they just keep on coming in the mail, and you don't realize the mess it can lead into. After only using all my credit cards for one year, now it is six years later and I am still paying them off. Five months ago I agreed to settle with Clout.com and they agreed on 3 months of $300 dollar payments and they credit my acount $150. Then I had 3 months of $150.00 month payment and they credit my account $100.00. So they have worked with me graciously, but the APR and the increasing credit limits got me.

My daughter was called in her dorm room also and asked a multitude of questions by someone she could barely understand. She is only 18 and made the mistake of telling the woman she could send her some information packet in the mail. What she got was a Visa card in her name with a huge 20% apr and a $25 activation fee. She brought me the card and I tried to call the number given to cancel it since she never asked for it, but the call itself would activate the card so I hung up before putting in the account number. I cut the card and held on to the information packet for a few months to make sure we didn't receive a bill which we did not and after about 3 months I threw that away too. Just recently my daughter received a copy of her credit report which showed that this card is cosidered active just with no balance. We want the thing canceled and I can find no number or address or anything at which we can call. We don't even have the account number anymore because we thought this was over since the card was never activated. Does anyone have a customer service number so we can get rid of this once and for all?

I got a real kick out of this credit card. It arrived in my mail one day and I sure didn't remember applying for it. I went ahead and activated it and put it to some use. Here's my biggest problem with this card, you need to take great care in reading the statements. While on every other credit card statement I've ever received the stuff like my balance and minimum payment etc. were clearly indicated, not so with this card. The statements would be written in such a way to make it look like you didn't have to send in any payment at all that month. This confused me, but using my better judgement, I sent in a payment for the full amount I had charged on it. Only after reading the statement several times over did I realize that they have some of those most poorly written statements you will ever see. Knowing what I know now, I would say stay away from it. They make the statements so that somebody could be easily fooled. "And now you know, and knowing is half the battle."

I'm under the impression that Clout Visa targets the student population. Their interest rate is very high and should be lower if they provided credit to a more general population (rather than mostly students). This is my main complaint with them. Howerver, I would add that unbenonched to me they offered my very ill son a visa and he took it and proceeded to charge over $8,0000 on it. I have paid it off once and am in the process of paying it off again. I tried to cancel the card, but they would not talk to me because I am not the card holder. I cut up the card once, but they must have sent two cards, because I received another large bill. So I am now paying it again. I would ask if anyone else has had the same or similar experience? Overall, I do not believe they are much different than any other credit card company - rather it is the population they serve that makes their % rate so high. I would think though that they could lower it for on-time payers after six monthes or a year as other credit companies do.

Hey Guys how you doing? Well... I received the kit that the guy was talking about throught the phone. It actually took two weeks as the guy said, but instead of a kit, a credit card arrived. I don't know if I should call so that they cancel whatever information they have about me, or I shouldn't call at all. Should I cut the card? I haven't used it and I'm not planning to activated. It's so funny because they had sent me that card when I was in such a tight economic situation. It's as if someone has a visual circle to put young students in debt, so that we would be debt for the rest of our lives. It's funny too because I read a comment from a mother that said that her son/daughter didn't even have a job. I didn't have a job and they sent me the card anyway. I still don't know if they are legit or not? I have to put in my account number so that they can answer me on the phone. I don't know if you guys know what I'm talking about. I wanted to get a hold of them and the only way to have a representative talk to me was by giving my account number through the phone, the number on the credit card < automated touch thing. Well, I hope you guys and I are just victims of people who don't have good customer service and not victims of theft. Take care.

clout has been trying to get my 19 yr old daughter to use this card since 2/04 they called 3/05 and sent letters saying if she did not use the account they would close it-- i called pretending to be her and they said they would activate but the soc sec # was wrong duh=== they never had it-- she then said to mail copy of soc and they would activate the card wwwwweeellllllllllllll i let her have it and will notify ftc and anyone else in college/ educational services especially after seeing all these other complaints!!!!

They call and say they are taking a survey and confirm information they already have. Who is giving them this information? They insist that you take their card. If you're busy and want to get rid of them you will give in just to get them off the phone. It's almost impossible to cancel the card once you get it. DO NOT GET THIS CARD! Bankruptcy laws have changed so it's harder to make a fresh start. Why are banks still allowed to give credit to people who do not have a job? DO NOT GET THIS CARD!

I have had this card for about five years and have been very happy with it, they regularly increase the credit line which is nice for credit building. The only complaint I have with this card is the APR, its unreasonably high and they dont lower even if you have a good established credit history

I've had several other credit cards and these people are great. I make 2 monthly payments and I've had no problems with them. The one time I was going to be late because of a problem that came up they were more than happy to move my payment date until I was able to make the payment without any late fee's. Customer Service is great!

My son was pre-approved for this card upon his 18th birthday. He did not solicit for the credit card. He did not have a job! He had no source of income and was still in High School. Yet they enticed him and he signed on for a $600.00 limit. He almost immediately maxed out his balance and had not yet made a payment as he was "late", go figure. Nevertheless, CLOUT doubled his limit, duh! Now, about 2 yrs. later they wonder why he isn't making his payments. Month after month charging huge late fees as well as over the limit fee's. AND, calling me, his mother, who he no longer resides with, day in and day out at all times of the day and night and sending collection letters and bills filling my mailbox with their JUNK! Yes, JUNK! Get a grip people, you are very foolish "business" people! I hope you spend all of your dirty money on stamps, phone calls, and other methods of collection, but never see a dirty dime!!

Well, I am glad to say that I laughed at the lady on the phone and told her she must be crazy right before I hung up the phone. She told me that she was going to send me some information for a college grant. When anyone asks you for your SSN over the phone, never, NEVER give it to them, you might as well put it on a flyer with all your other information and pass it out in the ghetto. It was obviously some scam, she wouldn't answer any of my questions. If you want a credit card, get it through the bank that you bank with.

I also just receieved the call and she wanted my SS# and of course I didn't provide it to her and she got all upset when I wouldn't provide it. I *69'ed the call and it came up to a 317#...how weird...but I did call the clout customer service rep and she was very helpful. I just wanted to make sure nobody else had their identity stolen because that is such a big issue.

I signed up for the clout visa because I was a freshman in college and did not have a credit card. I had no real problems with the card, but I completely paid it off every month. Periodically my limit would be raised and since then I've been able to use this card as a gateway to good credit and better cards. My primary card is a different visa, and I have a total of about $10,000 credit. Overall I'm quite happy with my card.

I received a call from a clout representetive asking for personal information. I thought this was weird, I asked for the name of the guy that I was talking to. His phone number; the phone number links me to a 1-900 number that says that it will charge me 9 dollars a minute. I thought it was affiliated with my college, since my college was doing some type of credit card reward thing. They insisted that it was mandatory that I gave my SS# and they went on for about 5 minutes. I made the huge mistake of giving my number. I never asked for a credit card in the first place, I don't give out personal information, I'm actually cautious, but I had to get rid of them somehow, and hanging the phone was not one of my choices at that moment. I don't know if it is a scam, I don't know that this is the way they do their business. They sound like a scam or rip-off but are they legit? We as young students are tricked, since we are vulnerable. This is not a justification but its true. I don't know where they got all my information. They said that I was going to receive a kit of some sort. But I'm more worried about identity theft. I sent 3 e-mail to the customer service at Clout.com. And I sent 2 complains to the FTC and one phone call to the FTC. I would like to hear some other experiences because I need to know if this is the way they do their business.

I Have used this card so many time and keeping"paying"it off and i still owe them like $500 it makes no sense how they can just rob you from all this money!

ITS A GOOD CARD. BUT IT NEEDS MORE REWARDS ON IT.

Eric really helped, rep 512, and noone else would..I was really having major problems and the only one who helped me was Eric..He should be promoted to the top!!!

This card sucks. I have faithfully used it for four years and made them a lot of money, however I was told that they didn't lower the interest for any reason by their customer service rep. The interest by the way is 19.9 percent. I also had a problem with their online billing that ended up costing me 50 bucks. This is a pretty bad deal. Go with a big name card that will stay with you for years, it is worth it.

I never requested a card just information when the lady called me at my college dorm in October 2005. A Visa card arrived with my name on it so I activated it. I was notified in January by phone that I was delinquent in payment. When I asked what billing address was used(The customer service rep told me they weren't required to send a bill which doesn't sound right) I was told my college PO Box. I explained that I was home on winter break for 4 weeks so I had never received one. I was told that I had incurred late fees and a finance charge. I told them to change my billing address to my home address and waive the late fees as mail constantly gets lost at the college PO Box. I was told no so I asked them to cancel the card. This supervisor named Christina started accusing me of impersonating myself and she refused to cancel the card. I had to wait until my mother came home and get on the extension in order for them to believe that I was who I claimed to be before they would cancel my card which I'm not sure they have as they refuse to send me verification. I will be notifying the FTC about these practices which others should do also. Also check into the Fair Credit Billing Act which protects you against fraudulent charges, billing errors and suing the creditor if they violate this act.

I was tricked into this card like many other unsuspecting college kids. I was paying all the payments and never really using the card except for emergencies. One day I went to use the card and it wasn't in my wallet. Someone had stolen it. I called clout to report it stolen and they gave me an attitude. The person had run up about $548 on my card. The people I talked to at clout gave me a hard time about the charges saying over and over to make sure that I didn't purchase those items. Then as if that wasn't enough they did pretty much nothing about the theft and I ended up having to pay off the whole card. I went to the police but clout was useless. I was and still am a poor college student so that pretty much took all my money that I was saving. I would never recommend this card to anyone.

did not apply for this card, never activated this card, and it still shows up on credit report that I have this card. Had a hard time canceling card. This is a rip off for college students in money trouble. DO NOT GET THIS CARD!!!!!

These people have refused to send me a bill, but continue to harass me about paying. They told me that "technically, we don't have to send you a bill." All they want to do is take advantage of college students.

I have to say I was almost tricked into getting this card. It was an early morning when some foreign lady called me, explaining some credit card, I was not really listening because i was half asleep. When she asked for my SSN i stated that i dont think i should give it over the phone. she then went on for about 5 min assuring me that clout was legit, and i reluctantly gave her. I am glad i am glad that my credit is being established, but for some reason I pay my bill off every month, but i am still being charged, late fees and finance charges. I dont recommend clout visa because it causes nothing but trouble.

Great card but easy to obtain. I recommend this card to any one who is tring to build up there credit.But you must use it responsibly. Go to www.clout.com and they explain on how to budget your account.

Clout was my first credit card, and I am happy I had the opportunity to carry their card. Increases are very easy to get as long as you pay your bill on time every month. The interest rates are a bit high, but of course won't affect you if you pay your bill in full every month. Overall Clout's a good card, and just needs to work on their interest rates.

this card does charge a lot of high interest if you use it foolishly. i recommend it for college students. it builds credit right away. i had no credit and now thanks to the fact that i always make my paymentson time i have good credit!

Ha ha ha. This card is so funny. You wanna know why... Because it's a joke. No really it is. I have been careful with my money and how I use this card and I have been able to pay off everything I have charged on time. The odd thing is they never say I owe anything. I have a balance of "" but there is no payment due. What the heck does that mean!?! So, I send in the money anyways and the my "balance" never changes for some reason??? I'm all confused and I do beleive that may have been their intent. So, I say good luck to all of you other poor students that got caught up in this scam. (The only reason I said yes to this card is because I couldn't understand the lady talkin to me and I just wanted her to go away.)

i have a clout.com card and on my first my bill and sent it to me 3 days before it was due. they also told me that my credit card was prepaid because i paid it off every month even though i have a $600 limit. When i called to speak to customer service every time i was treated VERY rude and was given emtremely bad customer service. i will never want another clout.com card.

I received a phone call, and was asked several questions about college and stuff. When they asked for my SSN, I was hesitant, but gave it to them anyway. A couple weeks later, I recieved a card in the mail. But because I wanted to start building credit, I activated it. First, I was charged 29.00 that I was totally unaware of, and when I tried contacting customer service, I got no help. My credit line was increased from 500 to 2500 in less than a year, and was building good credit, but the interest rate is high, and the fees they charge are insane.

I recieved a card from clout bank and ever since then my life has been ruined. i took out 20 dollars and they charged me 40 dollars when the first time i took out money they charged me 10/ so what was the difference? What was it because I did it a different month? I mean really. cUSTOMER SERVICE IS GREAT 24/7. but when you got some employees that cant explain their policies and your history with their company, Thats really bad. dont sign up with this company trust me. The rates are ridic. They do things without informing you. They charge youre information and are a scam. stay away

The woman with the enigmatic english skills does not explain anything about a credit card. She says it is a sweepstakes or something. She offers a list of free magazines and then says, "All for the price of just one single magazine at the low price of $5." Thank god I didn't say yes to that bull crap because it would have activated the card, thus gotten me caught in a web of pleasant little accomodations meant to keep me from finding out how to cancel the card. This company is worse than BMG Music Service. Do not read the evaluations with good ratings for this card. Those are planted to make the card look better. If you read them, you'll notice that they only talk about giving poor credit-less college students a history. Any card will do that.

Niece was asked questions on the phone which she was told was taking a college survay. she told me about it I was very upset and told her never give anyone you sociakl security number over the phone, because people are not always who they say they are,Sure enough about 4 weeks later a visa arrives at my house with her name on it.How can you honestly sign these kids up for credit cards when they are not working and have a very limited income? This card will not be activated and will be distroyed immediatly. And a letter to the better busness bureau will follow.

This card is just like any other card geared towatrds college students,or first time card holders. If you use and pay on the card monthly, you can build up your credit. If you abuse the card and do not pay, you will damage your credit, that is the same with any credit card out there. Too many people try to blame the company for problems they have, like missing payments, fees and or interest. OF COURSE IT HAS HIGH INTEREST! It's for college students. Once you build up your credit, you can get a lower interest card. Bottom line, take responsibility for yourself, use the card wisely and pay on time. Educate yourself on credit and credit cards, if you screw up, they can make alot of money off of you.

This is a trick for those who don't understand they get your kids who are not employed and have no means of an income into getting one of their cards. A true parent will help their child out of this situation before they get into this situation. "PARENTS PLEASE BE ALERT"

If you want a credit card there are better ones out there.When I first recieved this card I thought oh I get to bulid a good credit BUT I WAS WRONG! A few months after recieving my card some theif took $220 out of my card and they simply replied sorry we cant do anything about that. so what did I do Of course cancel it. They are a scam and should not be trusted.

Please do not use this card. I was very stupid for letting them send me info! They are sending me a card and will not cancel it! I am an idiot, but now I have learned not to trust anyone the way I did! They need to be reported to someone. I am really upset, and I cannot believe I fell for their stupid scam.

I was solicited over the phone for this card, that surprised me, but I wanted a better card. The customer service is good, they are available 24 hours a day. When I lost my wallet, they sent me a new card within 3 days. The only real gripe I have about this card is that the interest rate is ridiculous. Overall it's a good card.

This card is great because it is really easy to apply for and receive. This gave me about $1000 to get started with. They also now give rewards the more you use the card. Its a Visa.

My credit line has gone from $600 to $4000 in 4 years!! They take care of people who pay their bills. I think they will give me way more when I graduate.

If you pay on time, you get to skip payments every few months. This card is designed around the college year so that students can afford to make payments. Great idea.

The credit limit is quite okay because they start you off with just enough to get by with, which helps you to built your credit up with no exessive month to month payments.

When I was upgraded to a platinum visa card, I discovered that Clout had made a mistake in transcribing my social security number. It has been seven days and they still cannot rectify the situation. I can't activate my new card and now the old gold card doesn't work. I was assured by two supervisors that this problem would be corrected by a certain date. When it still wasn't fixed, a new supervisor was rude, abusive,and told me I would have to start the process all over again. I've spent a week on this and don't have the time to undo their mistakes and put up with further incompetence. I will have to pursue this because they are using someone else's social security number and won't correct the problem. Don't get involved with this group!

I was interrupted one early morning while trying to study in my apartment by a lady demanding that I verify some information with her. Then she wanted more information and I stupidly gave it to her....I was too tired and confused to think about what I was doing. She talked way too fast and when I asked what it was for, she gave me a very vague answer and before I knew it, I got a card in the mail that I didn't even want. There was no application process, and I didn't even know I would be receiving a credit card with an INCREDIBLY high interest rate. You can find much better deals out there without the psycho people that call innocent college students at bad times and hassle them into giving out information. Horrible company and horrible card.

The asian female reprentative called my dorm room and asked personal questions of me. She did not identify herself over the phone nor did she mention that she was taking an application for a visa card. She knew my home phone, telephone number, dorm room telephone number, wanted my social security number and other personal information all the way down to my favorite color (which she mentioned would be the color of my card). I am appalled that a credit card company would stoop so low as to solicit applications over the telephone anomyously with a person that could not be understood by any english speaking or hearing person.

The APR on this card needs to be reduced.

A great way to build your credit. Reasonable payments. The best out of all my credit cards.

I am I hold as I write this review with customer service. Their online bill payment system is a joke! Not only do they charge a $3 fee for a checking acoount withdrawl but they charged me a $29.00 fee because they claim that the information they recieved online was wrong. When I asked them what that information was they couldn't produce it. What a scam!

I like the card..I like the name...overall very good

Clout.com offers a wonderful way for the emerging college student to begin to build a strong credit future. The APR, even after the introductory rate, it extremely reasonable. Clout.com staff has always been available and helpful to me, whether I was on the phone or communicating by mail. The design of the card is aesthetically pleasing and geared toward a younger crowd. Although I now have several credit cards, Clout.com was my first and probably the one I trust the most. I appreciate that there is no annual fee involved with the clout credit card as well. Overall, Clout.com has greatly impressed me. Keep up the good work!

This is my first credit card, and I am glad. The great customer service, free on-line activity reports/statements, and quick limit increase for good history. I have also had a few problems with online companies billing my credit card monthly. When I called Clout, they said if the company doesn't comply just file a report with us, and WE WILL take care of it. I almost never have to wait more than 1 min to get through to the customer service line. My limit is always going up, and my credit reports a great. I kinda owe it to Clout for giving a student a chance. Thanks

Works alright. I've had no problems with it. The website works well except they do charge for payments made online. Unfortunately there aren't any cool benefits on this one. I'd say its a GOOD card for students... It really helped build my credit.

This card helped me build good credit. I had no credit when I started, but now I have great credit, and my limit is high. For those who complain about the high APR's: stop complaining.

I got this card as a freshman. They have treated me very well. My credit line has increased from $600 to more that $2500.oo Great customer service and web access.

The great thing about Clout is that if you pay your bill on time, you will get a credit line increase of about $500 every 6 months. I found this to be a great way to build a credit history. They understand students and their financial needs. Thank you Clout

The clout credit card is the worst card I have ever gotten. It seems like that each time I get my statement, my balance is exactly the same. The interest rates are too high. Clout tracks down new college students who don't have the slightest idea about credit cards and curses them with a very high interest rate. I do not advise anyone to get this card, because it will seem like you will be paying forever on it!!

I like the fact that it helped me build credit. I appreciate it, but i will dump it for a much better APR and credit limit as soon as possible.

I love Clout for giving me my start when I had zero credit, they do increase your limit if you pay on time, but their APR kills me. It has hiked up in the few years I've had the card, probably because of other people's inability to manage their finances...well, I am not paying for other people's mistakes anymore. I am switching cards asap. I am still a student and I do often carry a balance and I'd rather not pay huge interest rates.

HELLO!!!! For thoes of you that like to write your little nasty comments about Clout just going on! As for the Terms and Conditions on the Web Site... They aren't there!! You can just go and apply for the card it is only solicited to you via phone or some times applications the web site is for people whom have already signed up for the card not for people whome want to apply.. if you have been contacted by a Clout telemarketer and you feel that you haven't recived the whole story then give customer service a call and we will explain it to you compleatly. Thats what we al do for a living!!

after searching their website. I couldn't see any info about their card, ie "term and condition". I think this is a scam or a rip-off for those who are naive. Any credit card website i look at all have their card offer, term and condition is a must. Avoid this card at all cost

I think that the majority of those who provided a less than perfect review of the Clout Visa card are simply looking for something to complain about just because they had one bad experience with a customer service representative and thought to seek revenge by posting a paragraph or two online. Get over it. I have enjoyed using my Clout Visa card and I was happy to find a company that would help me begin building my credit (since I have none) and trust me with a high credit limit and allow me time to pay it off. The APR is high because of that, by the way. Alrite, that's all I wanted to say. Goodbye.

Clout Visa is nothing but trouble. I have even heard this from some magazine such as Rolling Stone and Men's Journal. They have completly turned me off towards any credit card. They are just a sham and that is all they will be. They treat me like a wallet and thats all they will treat anyone like. They are going to report me to the credit bea over five dollars and some change unless they get it by tomorrow. Sure why not. If I can make a phone call and start charing someone for something they ended up not wanting (Before I even activated the card, which I never did do) and get five dollars out of them I'm doing good. The figures are is I get five dollars from 100,000 people I'm scored $500,000 Not to shabby. Shoot they might even scam people for more than five dollars also. In a few words clout visa is indeed the traditional snake in the grass. Thank you.

I know that clout takes a bad rap... But don't you dare blame customer service for that. We do a hard job here and we will be the first to agree that the APR isn't the greatest. For the most part you are all new to Credit Cards and some times don't listen to what we tell you... And FYI if you card isn't working the first time you use it try to activate it and when you get your balance from the Inter net and the phone it isn't always right...

The only problem I have with this account is that it's A.P.R. is a little high. Other than that, as long as I pay my bill on time, they are saints! They're always willing to educate me as to how to better manage my expenses and credit. Very knowledgeable staff and I couldn't really ask for more.

online showed balance over by 182 dollars and also available credit of 182 dollars. thats is a 364 dollar mistake. I called to ask about why that was shown. Service was not knowledgeable. told me to write online people email. asking why it said that. then received bill of over by 182 dollars when i was actually under by 182 dollars.

The good thing about Clout is that if you pay your bill they give you credit line increases. My credit line has gone up to over $3000 dollars from $1000 in a couple of years.

Clout Visa has been nothing but a hassle for me since I first used it. They lied to me about increasing my credit line to 1,000 dollars and started me out a very low credit line of 600 dollars. They kept pressuring me into getting the card. They would not leave me alone, and to this day I cannot stand Clout.com/Clout Visa. All they want is the money and even if I got the money into them, they still charged me. All they want is the money.

clout visa is to be avoided at all costs. They harass you, they call you in your dorm room, they send endless number of statements, they will not cancel your statements even tho they sent it on an unsolicited basis and the balance remains zero. I will never use this card and Clout is a fine example of how credit card companies attempt to prey on college students. Avoid them at all costs.

This card is always declined. There could be no balance on it, and it would be declined. Then, the pin numbers don't work. This card was useless except for as a coaster. I finally just cut it up. I know I'm a college student, but I deserve better than that. In fact, I always have more money than most older people I know. Why? I have a job, but I pay no taxes as a student and have grants and scholarships. If visa wants money, they sure as hell aren't getting mine anymore.

While I have only held this card for a relatively short time, under a year, I already feel as if there could be more. It is a simple process to apply and obtain the card. I started off with a meager $600 credit limit. The interest rates are a bit higher than compared to other credit cards, but as a recent college student, credit is credit. I am overall very glad Clout.com has given me the opportunity to establish my credit, where most other places has denied my application. Being my first credit card, I plan to keep it around for a while.

This company signed me up for a card when all I wanted was them to send me information. I made the mistake of giving them my address over the phone and then I received a statement as if a card in my name was already active. I sent the statement back saying that I had not signed up for a card and to cancel the account. A month or two later I received a statement for $64.50! $29.00 was for some sort of "limited edition", $35.00 was for a late fee and $.50 was for a finance charge. Talk about a rip off. I had to call two different companies to try to get it cancelled and I'm still not sure if they did. I'll have to wait a month to be sure. BE CAREFUL, and don't give out ANY information to these credit card people over the phone!

our family thanksgiving time was rudely interrupted by a telemarketer from clout visa ten till 9 pm. she then would not give out the phone number to the company and then hung up on me. i am not against telemarketing, just bad companies that do not give you good service, and that speak rudely to you in hard to understand english. thankyou. please take this into consideration.

I got this card just wanting to have a credit card. After I got it I was so pleased that I had made such a good choice on the card. I now have my business investment on it and the interest is so low it doesn't even effect my income. THANKS CLOUT!

as a recent college graduate, all i can say is this: you DO NOT need a credit card. it may be nice to be able to buy some extra things for yourself using this card, but you must ask yourself: can you really expect yourself to pay off a $600-$1000 credit card bill ON YOUR OWN while you're still in college? and often while you're unemployed!!!???!?! seriously...pose that question to yourself. this card offers some of the highest interest rates on the market, as well as some of the highest fees for cash advances, late fees, and overlimit fees. and the worst "scam" they pull is this: if you pay double what a normal minimum payment would be for a month, they'll tell you you're pre-paid for the next month. that's great if you can't swing the payment, but they're just ca-chinging on all the interest you're accruing. DON'T DO IT!!! DON'T GET A CARD THROUGH THIS COMPANY!!! the staff that supports the card is wonderful, but the jerks behind it are all about making an easy dollar. they DO NOT have your best interest in mind!!!!

When I first signed up for this particular Visa it was issued by Webbanc.com and I would have to say that initially I was very pleased with the card, their Customer Service was excellent and you could access your card information at any time on the web. A few months ago WebBanc was acquited by Clout.com and ever since dealing with them has been an ongoing nightmare. Before acquisition my average hold time with the CS department was a few minutes max, now I routinely hold for 30-45 minutes. It is also nearly impossible to access your card info from their website. One of the main sell points for this card is the fact that they claim you're account info is so accessible. Another problem I've encountered is the serivce they offer with which they can deduct the balance you owe their company directly from your checking account. When I first heard about it I thought that it would be incredibly handy and I would never have to worry about setting aside my statement and forgetting to mail my payment in on time. Apparently they had one character wrong in my account sequence so they were never able to deduct the monies from my account. Rather than notifying me the first time this problem arose they waiting three months, charging late fees, interest and finance charges all the while. It took a little over a month to get the problem resolved and the negative rating removed from my credit report. The best advice I can give, STAY AWAY!

I really love this card because it allows you to establish your credit while you are still young.