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Household Bank Visa® Card
Issued by Household Bank |
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| Total Posts: 31 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 31 Commentaries |
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1-10 | 11-20 | 21-30 | 31-31 |
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| "Helped me get back on my feet" |
| After I spent the years following college getting into debt, I thought my credit score was ruined forever. When I realized I'd never be able to buy a house at the rate I was going, I knew I needed to shape up. This card really helped me become more responsible. I use it a couple of times a month and make regular payments. And here's the thing--Household Bank actually reported to the credit agencies on a regular basis, so my good behavior made a difference. It only took a few months for my credit score to improve, and that gave me the motivation to stick with it. Thanks for taking a chance on me! |
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| Most attractive feature: credit score reporting |
| Least attractive feature: limits are low, but understandably |
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| Posted by: Anita K. |
| Date: 7/21/2006 |
Recommend?  |
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This person does recommend this card.
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| "A blessing in dis guy's wallet." |
| I went through an ugly divorce a few years ago and my ex took nearly everything I had. With the help of this card, I was able to rebuild my credit to a respectable score. Customer Service is great - though I wish there were more women to speak to! But what totally sets this card apart is that it lets you choose your own payment due date. I can't begin to express how convenient this feature was - and still is - to me. Choosing my own date alleviates the number of bills I have that are due around the same time... As with any credit card, be wise with your spending and this card will work wonders. If only my ex got me as excited as this card... *sigh* |
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| Most attractive feature: Choice of bill payment due date |
| Least attractive feature: Not enough female customer service reps |
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| Posted by: John |
| Date: 6/29/2006 |
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This person does recommend this card.
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| "This credit card company sucks!" |
| This card is suppose to help you rebuild your credit, but the only thing it did for me was to ruin it even more. I didn't use my card for 2 months and kept getting hit with late fees and over the limit fees. I wouldn't be late if I didn't have the over the limit fees and I would be over the limit if I was charge a late fee every 2 weeks! Go figure. I just cancelled my credit card and I had to say it 3 times " I want to cancel my card". I was offered to waive the fees and continue my card, then I was hit with I will add this fee (12.95 to process my check, they do not take debit cards)to my next statement. Well hello there is not going to be a next statement, I am CANCELING MY CARD!@!!. I work as a nurse in the ICU and these people called my work 6 times in 12hrs, and they would literally beg for my checking account number or debit card. I don't know who these people think they are but get a grip and another job. This job makes you look bad. |
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| Most attractive feature: none. It's like legal loan sharking |
| Least attractive feature: all of those fees. where do they come from?! |
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| Posted by: CGH |
| Date: 2/24/2005 |
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This person does not recommend this card.
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| "THINK TWICE" |
Avoid Household Bank Cards AKA- Orchard Bank cards. If you close your account and have a balance, the will charge you a $3.50 maintenance fee. Yes, a maintenance fee. Yet if you have a balance a dont use the account and pay it off, there is no fee. THIS MAKES NO SENSE.
I paid my account in full and I have yet to receive my letter stating that my account has a zero balance and it is two months later.
Lastly, if you call customer service, you can rest assure that you will be speaking to someone in India. YES, India! |
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| Most attractive feature: NONE |
| Least attractive feature: Customer Service & Fees |
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| Posted by: KJM |
| Date: 9/25/2004 |
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This person does not recommend this card.
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| "APR 23% WHILE TRYING TO PAY IT OFF AND A $3.50 maintenence fee every month " |
Trying to pay off the balance and it continues to increase as I try to pay it off. its now at 23%.They also charge a $3.50 A MONTH MAINTENENCE FEE.When you close account be prepared for a very high APR AND FEE'S
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| Most attractive feature: None |
| Least attractive feature: APR AND CUSTOMER SERVICE |
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| Posted by: JOHN |
| Date: 3/3/2004 |
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This person does not recommend this card.
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| "Beware of this extortionist bank!!" |
| I had a card show up in my name at my parents address. I cancelled the card immediately. I never ordered it. That was over a year ago. I just got off the phone with HB and they are saying my account is past due. I told them I closed that account and didn't want their business from the day I received their card. They said I cancelled the card before the annual fee, therefore I owe them. They are a very bad company, using your credit report as a hostage to extort money from good people. |
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| Most attractive feature: Nothing good about this company! |
| Least attractive feature: They are lousy at customer service. |
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| Posted by: Mark |
| Date: 12/15/2003 |
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This person does not recommend this card.
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| "bad experience" |
| Household card has a bad service and they should train their emplyee before put them deal with custoemr. They should train them technically too in order to do basic plus and minus. |
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| Most attractive feature: no |
| Least attractive feature: customer service |
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| Posted by: Jim |
| Date: 12/12/2003 |
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This person does not recommend this card.
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| "I had no problems with Household Bank " |
| I had a credit card that Household took over and I had great service from them. I particularly didn't like my interest rate as high as it was, but when it came to overlimit fees being tacked on due to interest, they credited me for them. They were always helpful and courteous. If I ever got an overlimit fee it was due to my spending and not being careful. Can't fault them for that! I did pay the balance off and close the account due to the high interest rate and went with another company instead. |
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| Most attractive feature: Customer Service always helpful when I called |
| Least attractive feature: interest rate |
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| Posted by: Kimberly |
| Date: 10/31/2003 |
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This person does recommend this card.
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| "Household Bank Visa" |
| I found the household visa to be quite good. If you have any credit issues they will work with you and you get the card really fast. They accept payments online and will email you a payment reminder that I find helpful |
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| Most attractive feature: Easy to apply for |
| Least attractive feature: no services available with this card |
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| Posted by: msrci |
| Date: 7/23/2003 |
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This person does recommend this card.
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| "Overall, more good then bad" |
| I have a Credit Limit of about $2000........I use it once a month.( $40 amonth).....I have had the card over a year now..I have always paid my bills on time and i have never over drawn on any cash advances....But I can't seem to get a credit Limit increase......Otherwise I like the card. |
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| Most attractive feature: Customer Service, Had a decent Credit Limit |
| Least attractive feature: Impossible to get a Credit Limit increase even when bill is paid on time. |
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| Posted by: Dman |
| Date: 7/13/2003 |
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This person does recommend this card.
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Showing 1 - 10 of a total of 31 Commentaries
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1-10 | 11-20 | 21-30 | 31-31
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