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Commerce Bank Visa® Gold
Issued by Commerce Bank |
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| Total Posts: 2 |
Average Rating:
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Category: Regular |
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Showing 1 - 2 of a total of 2 Commentaries |
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1-2 |
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| "VISA REVIEW" |
| IVE HAD THIS CARD FOR 2 YEARS AND I USE IT FOR SMALL DAILY PURCHASES. THEIR FIXED RATE IS FOR PURCHASE AN CASH ADVANCES. I DO LIKE THAT THEIR CASH SERVICE FEE IS LOW UNLIKE MOST CARDS THAT CHARGE YOU 3-5%. NO ANNUAL FEE,$5 OVER LIMIT,AN LATE CHARGE. YOUR ACCOUNT IS VIEWABLE ONLINE HOWEVER PAYMENT STILL HAVE TO BE MADE BY MAIL UNLESS YOU BANK WITH THEM. WHEN YOU CALL CUSTOMER SERVICE YOU SPEAK WITH A REAL PERSON FROM THE START NOT A COMPUTER,HOWEVER CUST. SERVICE IS ONLY OPEN DURRING BANKING HOURS. |
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| Most attractive feature: FIX RATE ON PURCHASE AN CASH ADV |
| Least attractive feature: CUST SERV. AVIABLE ONLY DURRING BUSS. HOURS |
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| Posted by: CR |
| Date: 5/19/2002 |
Recommend?  |
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This person does recommend this card.
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| "If carrying a large balance, a great card to have." |
This is a great card to have if you qualify for their low 7.65% APR while carrying a large balance. Now, it is true I am a long time customer with no late payments on my record. The low APR causes interest to accrue at a reduced rate and this helps makes up for the $29 annual fee. Obviously, as this site makes clear, the lower your interest rates are, the faster you pay down the balances of your cards. This has been a good card for me to use when I want to transfer balances from higher rate cards. This is a variable rate card but it has consistantly had the lowest APR of all my cards. I can't remember when it was above 10%.
My only real quarrel with this card has been over the $29 annual fee which customer service just will not take off my bill. ( and believe me I call every year and ask!) However, I must note that I cannot recall customer service ever being rude about it. They just remind me of the wonderful APR I am getting.
Since this is a credit card issued by the bank that holds my checking account, it also offers the additional service of overdraft protection. Should my checking account ever be caught with insufficient funds, a cash advance would automatically be initiated from the credit card and placed in the checking account to cover any overdraft. This feature may not be for everyone but I like it for peace of mind.
Thus, I would have awarded 5 stars were it not for the annual fee. My review: 4 and 1/2 stars!!!! |
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| Most attractive feature: APR is great, consistently under 10%, currently at 7.65% for customerers in good standing |
| Least attractive feature: still charging a $29 annual fee, I have not been able to talk them out of this |
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| Posted by: George35 |
| Date: 2/26/2002 |
| Recommend? |
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This person does recommend this card.
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Showing 1 - 2 of a total of 2 Commentaries
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1-2
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