Commentaries
Peruse comments, critiques, accolades, and observations by regular consumers just like you!
Consumer Reviews
Results 1-13 of 13
Rating Given
I recommend
Be careful. Very misleading
02/13/2012
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.
Most Attractive Feature: Chrome cash
Least Attractive Feature: The interest free checks they send you
Rating Given
Rip off APR
10/07/2011
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.
Most Attractive Feature: Harley chrome credit
Least Attractive Feature: High interest rate even for excellent credit.
Rating Given
1% back in chrome cash is the minimum any card will give
04/01/2006
only average card
Most Attractive Feature: chrome cash
Least Attractive Feature: $10 fee for telephone pmts
Rating Given
I recommend
Pro & Cons
09/29/2005
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?????
Most Attractive Feature: Chrome Bucks Rewards
Least Attractive Feature: No collision coverage for Harley rental
Rating Given
Cancelled my card due to phone processing fee of $10.
08/02/2005
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!
Most Attractive Feature: Harley Chrome Cash is the only benefit to this card.
Least Attractive Feature: Unwillingness of customer service to work with you.
Rating Given
I recommend
points should be at a higher percentage
02/18/2005
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.
Most Attractive Feature: if you like to buy harley accessories then it's great because you have no other choice
Least Attractive Feature: 1% on purchases is not enough my interest was 8.9% 6-8 months ago and now it's 10.2%
Rating Given
I recommend
chrome points
10/26/2004
love chrome points & motorcycle giveaway
Most Attractive Feature: rewards
Least Attractive Feature: none
Rating Given
I recommend
Free Money
07/11/2004
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
Most Attractive Feature: No penalty for paying off balance each month
Least Attractive Feature: can't think of a bad feature
Rating Given
I recommend
Harley Davidson Visa
01/14/2004
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..
Most Attractive Feature: Harley Chrome Cash Certificates
Least Attractive Feature: High APR % finance charge
Rating Given
I recommend
HarleyDavidson CreditCard
09/06/2003
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-
Most Attractive Feature: CustomerService
Least Attractive Feature: Interest Rate is Standard, but still too much!
Rating Given
I recommend
payment options
05/04/2003
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.
Most Attractive Feature: earn Harley Chrome Cash for Harley stuff
Least Attractive Feature: online payment requirements
Rating Given
they're hogs
03/06/2003
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.
Most Attractive Feature: it's a visa, card looks cool
Least Attractive Feature: rewards worthless - bad customer support
Rating Given
Looking for a new card
09/05/2002
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.
Most Attractive Feature: Points go towards winning a Harley
Least Attractive Feature: Feel Like I'm getting jurked around

Harley Davidson® Visa® Card