On occasion they send you checks to use for purchases or consolidating credit. They claim to be interest free until a specified date. Very deceiving. When you use a check it is added to your monthly statement. The only way to avoid paying interest is to payoff the total balance which includes the amount of the check. If you pay the entire balance due minus the amount of the check, they charge you interest because the balance is not paid off. The only way to avoid interest is to only have the check amount (no credit card purchases) on your statements until the check amount is paid off. I called customer service and they basically told me that it is in the small print.

I have excellent credit. When I received my card they had me at the highest interest rate of 22.99%. I called them up and asked them to lower my rate to reflect my credit rating. They wouldn't do that. Canceled then and there.

only average card

Pros: Chrome Bucks if you shop at an H-D dealership. Cons: No collision coverage if you rent a Harley. What gives? Rental car (except SUV or exotic), but not for a Harley - from a dealer?????

Really enjoyed this card and used it exclusively for most purchases. Consistently paid the card balance off every month. The one time I was late getting card paid, I called customer service and requested a grace period. Nope! Then I decided to pay over the phone and was charged $10. I requested this charge be waived. Nope! Too many other choices out there...and, besides, Chrome won't get ya home!

I have several cards and I do favor the h-d high performance card because I can use it to buy my accessories. I can't use it any where else. but when you look at what my interest was @ 8.9% that kind of shoots the benifits in the rear @ 10.2% might as well say that were paying for our own points when you include the 1.3% increase. but fortunately I never carry a balance on any credit card, I pay them off each and every month so in essence I have a 0% interest,so in that respectI'm ahead of the game by not paying a minimum required payment that's what they like.

love chrome points & motorcycle giveaway

I use my Harley Davidson VISA to do all my household purchases all month. Then when the bill comes I pay it off. (Usually around 1500 dollars a month. It gives me a lot of bonus certificates and never costs me any interest, Talk about true rewards. If you are disciplined this is the way to go

I like the way USBank stays in the background and lets Harley Davidson be in the forefront..Getting Harley Chrome Certificates is great. Each time I buy a Harley part on my card I know I am building points to get another certificate..I call in to redeem and always get a pleasant voice who gets me my certificate in a few days..

The HarleyDavidson CreditCard by USBank was one of the first credit cards i received... After awhile i garnered several credit cards... sometimes i was late w/payments, or had to refund items and the CustomerService was a gem! Today i am in debt Consolidation, and US Bank is one of the few credit card companies that does not bother me at home... they have closed my account, but when everyone else was giving me a hard time, they were the NICEST... that is important to me, because being nice or being mean won't get payment from me any faster either way, but it generates good feelings, positive attitudes, and they are at the top of my list to get repaid first w/hopes they may one day re-install my credit card service... CustomerService=AAAAAAA+++++++++ regards, -ay-

You cannot make an online payment unless you have a US Bank savings or checking account. :-( They do not allow linking a bank account outside their company for making payments. You cannot pay via PayPal or c2it either. BUT you can make payments by telephone at NO charge. The telephone bank payment takes a one time set-up call. Then you use their toll-free number to make your payments by telephone. The prompts are real easy to follow. A payment made via telephone will post that day if done before 5PM CST. I have other credit cards that accept telephone payments but they all charge a fee. I like this because I can always get a payment in on time, I know it posts to my account when received (as long as before 5PM CST), I save the cost of a postage stamp and don't incur a fee for this service.

i got this card because it looked neat and i wanted to win a harley. it was ok for the first few months, until one payment was "not received". I knew it had been because I received my monthy statement from my bank with copies of all of my cashed checks. After calling, they still insisted they never received the check and said i needed a letter from my bank and blah blah blah. It was only for $5 and wasn't worth the hassle, so i wrote another $5 check and canceled the card.

Nice card. Get plenty of people saying nice card, do you own a Harley. Each time you put a dollar on it, you get an entry to win a hog. $2500 on card = $25 gift certificate which expires too quick. I sent a large payment, they "never received it" I was a day late paying they stiff me with a huge penelty. I have carried a balance only for 3 months ever. Once I paid it off each month and they were charging me interest for some stupid reason. Had to write a check for $200 over to clear the interest charges. I'm looking for a new card now.