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This is a weird platform to be asking this on, but to all you credit card holders out there 

4 deviants said Who do you use? I've heard horror stories about all the big guys (bank of america, chase, etc)
2 deviants said I have a good credit rating already so that's not the issue, I just don't know who to choose
1 deviant said I'm thinking about maybe going with citi only because I don't hear about them a lot?
No deviants said I'm trying to find a new card b/c I'm tired of having a Discover and not always being accepted everywhere

Devious Comments

daughterofthestars Featured By Owner Jun 28, 2018  Professional General Artist
I have a credit card with Bank of America because Wells Fargo WAS a nightmare. I haven't had an issue yet but if people are telling you not to BofA then definitely also don't Wells Fargo. Wells Fargo targeted oppressed groups of people with predatory loans and mortgages (mostly poor black folk), and I was CONSTANTLY lied to. Customer Service was a joke and I was constantly being charged fees that I was not properly made aware of. In my checking it was overdrafts and minimum balance fees, but for my credit card I once went into a bank and asked if there was a charge and how much it was for a cash advance because I needed cash for change for a convention. I was told in person by a teller that Wells Fargo did not charge a fee, so I did the thing. After the convention, there's a $20 fee on the card. So I called and asked and told them what the teller told me, and they clarified that while Wells Fargo does not charge a fee on their end, the third party credit card company they do business through DOES. I got a partial refund, but it was so gross, I decided to cut dies altogether and once I had it payed off, I got out of Wells Fargo. Their credit cards, though they have Wells Fargo on them, are not actually run by Wells Fargo and so they used that loophole to tell me there was no fee. It was so ridiculous that they could claim ignorance of the fee when the card has their name on it.

If you're qualified, I have found banking services with USAA to be very pleasant. But you have to be grandfathered in or in a military family to get it, unless you are co-signing with a qualified USAA member. (for example, I am grandfathered in, but I was able to open a joint account with my roommate who was not qualified). I only chose not to get a credit card through them in order to not put "all my eggs in one basket" but if I ever had a serious issue with BoFA, I would probably just go USAA all the way.
MarcieIIa Featured By Owner Jun 27, 2018  Hobbyist General Artist
I use US Bank and haven't had a problem with them. For the most part, they're pretty prompt and able to help if I have any questions.
Gatekat Featured By Owner Jun 27, 2018  Hobbyist Writer
My credit union. Most of them offer a credit card.
These days there is no excuse to go with a bank for anything. Even in the middle of nowhere backwater that is Oregon off I-5 there are at least 3 credit unions I can be a member of.
Raccoon-Owl Featured By Owner Jun 27, 2018
I don't have credit cards, I go through a credit union. I would check there and see what they can offer you. 
seulome Featured By Owner Jun 27, 2018  Hobbyist Digital Artist
As someone who's worked for bank of america as a customer service agent in their debit fraud department, they're awful and i wouldn't suggest them ever. One of my close friends is a customer service rep for their credit card services and it's just not worth it. Their interest rates are insane (the average is 15% - 30%) and they have a fraud protection system that locks the card up more times than it's worth. It does catch fraud from time to time, but i'm talking going out of state and trying to use it will lock your card for "fraud protection" and you'll have to call in to a call center to have us unlock your card. It can even be using your card at a gas pump when it does the test transaction to see if you can cover the cost of your gas purchase before allowing you to pump and it happens nearly daily.

The company also treats their workers with almost no regard and allowed us to be screamed at relentlessly and expected us to take it. They fuck up our pay and find loopholes to dock it, and have zero care for the safety of their customers. Their bank associates tend to be insane assholes to both the people in their call centers and customers if they don't have their way as well. Please never use them.
alexpeanut Featured By Owner Jun 27, 2018  Hobbyist Digital Artist
yep, that just solidifies my instinct to not pick BoA |D Thanks for commenting!
seulome Featured By Owner Jun 27, 2018  Hobbyist Digital Artist
no problem dear! good luck on your search <3
Shayla-Estate Featured By Owner Jun 27, 2018
I have a capitol one quicksilver card. I don't use it much, but I haven't had issues with it so far. 
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