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A credit card is a system of payment. It is named after the small plastic card. The card is issued to users of the system. The issuer lends money to the user to be paid later to the merchant. It is different from a charge card, since it does not require the balance to be paid off in full each month. It allows the consumer to 'revolve' his/her balance with the interest being charged.

Almost all credit cards are issued by local banks or Credit Unions. They are of the same shape and size as indicated by the Standard. Credit cards are issued after an account has been approved by the credit provider. The validity of the card is verified using a credit card payment terminal or Point of Sale (POS) system.

Sometimes poor security level of the credit cards and/or credit card systems can provide different possibilities for fraud. There's even such a thing as a black market for stolen credit card numbers, which are usually used quickly before the cards are reported stolen. So, be aware!

Credit Cards Reviews

Lex429
Green Dot Prepaid Credit Card - THE C.E.O OF GREEN DOT PRE PAID CARD COMPANY SHOULD BE HELD ACCOUNTABLE!!!!
5.0 1

THE SAME AS THE REST OF THESE STORIES. ITS PRETTY SAD THAT A COMPANY CAN TAKE YOUR MONEY AND TELL YOU YOUR STATE ID IS FRAUDULENT. I BOUGHT A MONEY PACK AND I WALKED 5 BLOCKS HOME ...

#319708
May 21, 2012
22

Pissedps
Horrible customer service from Greendot MoneyPak for reporting fraud
5.0 1

Someone called me telling that they're DISH NETWORK 3rd party and that they would provide 6 months of free service if I provide the MoneyPak PIN#. I purchased the Greendot Mone...

#319632
May 20, 2012
16

Fade up
First Data Merchant Service - First data is the worst company in the world!
5.0 1

First data company calls them selves credit card processors but they are just thieves.They keep on charging high fees,demanding $500 for early account closing fees.hm! they are Ame...

#317967
May 11, 2012
52

Anonymous
CAPITAL ONE
5.0 1

Contacted Captial One Customer Service as I was directed to do by their messeage when I signed onto my account. I called Capital One, the clueless representative could not find an...

#317874
May 11, 2012
40

Anonymous
American Express - Fraud department
5.0 1

The people who open the cases for fraud department- american express 800-528-2121. DO NOT TAKE THE INFORMATION PROPERLY. take too long to verify a change and do not send the email...

#317705
May 10, 2012
24

Punkypugh
Netspend is the worst company ever !!! They sent my tax refund back to the IRS !
5.0 1

Ok.... first i did my taxes with my husband for the first time .... so we did them in january and didnt get a return date til april !!!!!, that was all the IRS fault .... so then w...

#317186
May 08, 2012
64

Hijackin...
Discover Card phone rep is horrible human being
5.0 1

I have been trying to cancel my grandma's (who died) Discover card all week. Got the runaround all week. Today I talked to the most horrible person I have ever delt with on the ph...

#316987
May 07, 2012
56

Helper
WAY To CANCEL ANYTHING on Credit card?
5.0 1

IF YOU ARE BEING AUTO CHARGED AND NEED TO CANCEL ANYTHING and you cannot get any help from the company charging you what you need to do is call your credit card company. They have ...

#316940
May 07, 2012
20

Anonymous
Citicards - Citicard harassment
5.0 1

I missed one payment. I owe them less than ninety dollars yet the continue to call me at least a half dozen times per day. I paid them already yet they continue to call me everyd...

#316673
May 05, 2012
47

Anonymous
Vanilla Visa - Wasn't issued a credit on a gift card
5.0 1

My daughter tried to use a VanillaVisa Gift card to make a purchase of a Mossimo Supply Co. Jrs Crochet Racerback Dress for $24.99. The transaction didn't work at the Self Chec...

#316108
May 02, 2012
54

Da Vîñ...
Netspend reloadable prepaid debit card
5.0 1

I purchase my Netspend card the other day I was unable to use it for my intended purpose I called customer service 2 get a refund a lady told me go back to where I got it from the...

#316050
May 02, 2012
72

Paola La...
Capital One Credit Card - CAPITAL ONE FAKE CASH BACK PROGRAM
5.0 1

I was looking for a cash back card, as my debit card no longer offer cash back. I checked CAPITAL ONE website and the card I wanted had 2% cash back on grocery and gas. So I decide...

#316023
May 02, 2012
56

Anonymous
GE Capital
5.0 1

Interest rate hiked to 27%, can't log on to their website unless I use Internet Invader as my browser, call them and on hold for over an hour, then when answered it is some cal...

#316009
May 01, 2012
93

NotHappy...
Vanilla Visa - Automatically Adds Tip
5.0 1

I wanted to use my Vanilla Visa Gift Card to a salon to pay part of my total, use another card for the rest and leave a cash tip. Well the card wouldn't accept the full 100 v...

#315873
May 01, 2012
51

Anonymous
Go GE Capital - GOGECAPITAL rather GO GET YOUR SITE SORTED OUT?????
4.0 1

Im so PI$$ED OFF with GOGE online payment. Everytime I sign in dont recognized my password, I sign in I forgot my password I keep renewing my password and keep getting blocked, I ...

#315783
May 01, 2012
107

Nancy Pi...
CARE CREDIT isn't there when I need it :(
5.0 1

Grrrrrrr I'm so angry. Never had a problem with Care Credit before - always tried to pay off my balance well before the time was up. We have a fairly large bill now. I went online ...

#315597
Apr 30, 2012
126

Fail saf...
FailSafePayments Scammers - failsafepayments.com Scammed - Review
4.0 1

Hello,Today I am going to submit a honest review regarding a credit card processing company blackmailing and collecting merchant's money and giving lame excuses to ...

#315453
Apr 29, 2012
52

No relief
RTW Now Debt Relief - RTW Now and Relief that Works Jeff Farmer
4.0 1

They claim to help lower the interest rates on your credit card but, they illegally contact you via Voice Broadcast and then when you sign up for services the real con begins. So, ...

#315092
Apr 27, 2012
67

Gabathehut
Bill Me Later Customer Service is Awful
5.0 1

After setting up a Bill Me Later account and being accepted I tried to use it on Paypal. The first transaction I attempted to use it with failed to be accepted even ...

#314934
Apr 26, 2012
183

Ms. Busi...
Menards store took my payment and no record of it
5.0 1

I paid my menards card off of 2500.00 and my bank has verified that it has been paid to them. Now Menards has no record of it. I do however have the reciept. So I will fight it. So...

#314769
Apr 25, 2012
247

Yoey
Capital One Credit Card - Capital One Prepaid MasterCard
5.0 1

On Wednesday April 18th I received a deposit from the IRS to my Capital One prepaid MasterCard. My Acct. was put on hold for "security purposes" (I never used this card before). Cu...

#314526
Apr 25, 2012
120

Robert
Lease Finance Group LLC are bandits in ties
5.0 1

Warning to all honest business owners: NEVER sign anything that has LFG Lease Finance Group LLC (or their affiliates known as; Tangarine, Merchant1payments, Elavon, Pivotal, etc.) ...

#314097
Apr 23, 2012
112

Anonymous
Netspend is weird
5.0 1

I received a netspend mastercard today and they put my nick-name on the card this is just weird,and i really want to know how do the get my info?and i call the customer service num...

#313674
Apr 20, 2012
138

Dlifsey81
Netspend - Very pissed customer
5.0 1

Well i have brought a netspend card from 711 store to use for my direct deposit for school and on the 8th of march my money was deposit on to my netspend card. i was allowed to tak...

#313459
Apr 20, 2012
190

Anonymous
First Data Merchant Service - First Data Refuses to Comply with Client request for credit
5.0 1

Paid in advance for hotel that uses First Data to process credit card charges. When trip was cancelled, hotel requested in writing that First Data refund amount prepaid to our cred...

#313361
Apr 19, 2012
106

Johnsonmad
Capital One Credit Card - Please Do Not Send More Than Required
5.0 1

I applied for a Capitol One credit card just this month. On the questions and answers section, it states that you could raise your credit limit by paying more than the required se...

#313340
Apr 19, 2012
125

Anonymous
Citibank - Sign on computer
5.0 1

I WOULD LIKE TO PAY MY BILL 5466 1602 7394 6325. however, i cannot access my account to verify the charges are mine. I CALLED CUSTOMER SERVICE, NO HELP. TALKED TO A SUPERVIS...

#313063
Apr 18, 2012
142

Screwed08
CARE CREDIT does NOT work with you
5.0 1

I lost my job and fell behind on this card pretty far. I called them and told them what I could afford to pay them, which under normal terms would've gotten them 3x the minimum mon...

#312040
Apr 13, 2012
210

Flyongli...
CARE CREDIT changed website, so I couldn't make payment, now I'm late?
5.0 1

I am a Care Credit cardholder. I make extended out-of-state business trips. So I decided to sign up for Care Credit online because I don't receive my mail for up to a month at a ...

#311557
Apr 11, 2012
247

Anonymous
Bank Of America - Penatilized for Asking a credit increase
5.0 1

Called Bank of America for a credit increase on one account with them that offers a 0% offer. Had an additional account with Bank of America that had $9500.00 credit limit and onl...

#311347
Apr 11, 2012
157

Anonymous
Merchant Lynx Services - Not service they promised
5.0 1

I also have a complaint about Merchant Lynx services. They promised very good rates compared to my other processor. ESpecially, I asked about non-qualified rate since that is usual...

#311342
Apr 11, 2012
137

Bob Ther...
HSBC - Beware of HSC Bank Pre aprroved Credit Card
5.0 1

My credit is 640 and my wife had a pre-approved bulcrap mailer from HSBC Bank stating she was pre seleted from the credit list that meets the standards of this Bank, well first of ...

#311066
Apr 10, 2012
255

Anonymous
Interest rate scam artists
5.0 1

This is the worst possible credit card to acquire. I got it to help pay dental bills. After I received treatment my bill was around $900. One year later and my bill is still over $...

#310988
Apr 09, 2012
100

Mowliidy
The most fraudulent Companies in the USA are Netspend and GREENDOT
5.0 1

YESTERDAY I LOADED 85 DOLLARS AND USE IT 35.02, AND NOW THEY SAID I OWE -6.00 DOLLARS. SO EVERYONE WHO KNOWS HOW TO CALCULATE WOULD KNOW THAT I SHOULD HAVE AT LEAST 49.00 SOME DOL...

#310540
Apr 07, 2012
229

Scared_c...
CareCredit - Care Credit Privacy violations
5.0 1

CareCredit representatives have stated [on several occasions] that they DO NOT have access to account numbers/routing numbers. Their website is continually down, s...

#310125
Apr 05, 2012
306

Upsetcus...
Rushcard - Russell Simmons Rush Card Stole My Money
4.5 1

RushCard blocked my card and told me publicly on Facebook that I am being investigated for criminal fraud. Via the email I received after asking for a rep to call. I was told, its...

#309800
Apr 04, 2012
209

Iamtotal...
CARE CREDIT - CareCredit is unjust in business practice.
5.0 1

After a few years with inactivity, with no notification whatsoever (email or post) they closed my credit card account entirely. This was my longest-standing credit card with a hig...

#309437
Apr 02, 2012
288

Anonymous
Green Dot Prepaid Credit Card - GREEN DOT CARDS SUCK!!!!!!!!!!!!!!!!!!!!
5.0 1

GREEN DOT CARDS ARE A GOOD IDEA IF NEED A CREDIT CARD, BUT ARE BAD WITH PAYING YOUR BILLS OR GET CARRIED AWAY WITH YOUR SHOPPING. THE PROBLEM WITH THEM IS , THEY WILL NOT SEND YOU ...

#309187
Apr 01, 2012
211

Christin...
Green Dot Prepaid Credit Card - Green Dot's employee stole $500 from me
5.0 1

My friend got me a moneypak for 500, gave me the numbers off the back so I could add funds to my account... I did not try to use the card until the next am since I was out... He ca...

#309002
Mar 31, 2012
226

Owen
CARE CREDIT - Disappointed in their Actions
5.0 1

I noticed a sudden increase on my Care Credit bill total this month and was wondering what was going on, then I see the deferred interest charge has been added to my account. I lo...

#308715
Mar 30, 2012
354
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