Please Verify this for me..Thanks

robotcholi

Golden Member
Dec 31, 1999
1,033
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I am planning to apply online for a credit card (hehe...to buy all the hot deals) from FirstUSA. Is www.firstusa.com their official website? I hate to give out all my info to a fake website. I know a lot of you guys have First USA credit card right? I heard they have really good services. Thanks for any input.
Hoang
 

Dedpuhl

Lifer
Nov 20, 1999
10,370
0
76
I would not apply for a credit card online....


Also, I checked and it says there is no site found...
 

Static911

Diamond Member
Nov 24, 2000
4,338
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0
i got a Yahoo (first usa) card via the net. Gave me a big spending limit for intro APR of 2.9%. However, it only gave me a year b4 it expires. I think gettin CC is safe on the net (I BELIEVE, not confirmed yet)

GL with finding a CC

Also, you can try going into banks and physically asking or seeing if their are any credit card "deals" around (like a low intro APR, $$ back, etc)

STatic911
 

Dedpuhl

Lifer
Nov 20, 1999
10,370
0
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Well, I tried accessing it again and it still says "cannot find server." My ISP has been giving me problems lately, so that could be the problem....
 

kranky

Elite Member
Oct 9, 1999
21,019
156
106
I have a FirstUSA card, and that is really their site - www.firstusa.com. While I have never had a problem with them (except that they just cancelled the Cashback card program at the end of 2000, which I loved), I have seen others complaining about terrible service. I can pay my bill online via direct bank account withdrawal and download my statements into Quicken, which I like.

I think you have to put American Express in the "excellent" customer service category, and all the rest in the "crap" category.
 

robotcholi

Golden Member
Dec 31, 1999
1,033
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0
kranky, is American Express really good in term of unauthorize charge disputes? Wow, hmmm, maybe American Express is the card. Do you guys know what should I do if I want to apply for one? Do I wait for them to send those snail mail spams?
 

Fatdog

Golden Member
Nov 10, 2000
1,001
0
76
Just keep in mind that American Express is a charge card, while Visa and Mastercard are credit cards. The difference being you have to pay off the charge card every month, while you make payments on the credit cards. My Am-Ex card has been great, always good customer support when needed.

Hope that helped.

edit: Another thing to remember is that the AM-Ex card isn't as widely accepted as the other cards.
 

kranky

Elite Member
Oct 9, 1999
21,019
156
106
I've only had one disputed charge with AmEx, and they took care of it immediately. Now they may act differently if someone had frequent disputed charges, I don't know.

Also had one disputed charge with FirstUSA, when a charge from the previous year mysteriously reappeared again on my statement. They resolved it with one phone call. I know a sample size of one doesn't make a trend, though.

Fatdog makes a good point about AmEx not being as widely accepted. AmEx will also charge an annual fee. I do think they have a credit card variant, though (called AmEx Optima?) and they have some deal with Delta Airlines for a Delta SkyMiles card that gives frequent flyer miles with purchases.

If you don't have a credit history, you might want to reconsider applying for cards online. If you are denied, it will show on your credit record. Starting with a preapproved card you get in the mail might be a better place to start, then after you establish a credit history you can move to a different card.

I didn't really need an AmEx card, but after watching that TV commercial with Judy, I kept calling them until somehow I luckily got Judy on the line. It turned out that, CONTRARY to what she said on TV, she really can't "take it right over the phone". Apparently, I was thinking about something different than what she was. Then I was kind of embarrassed, so I applied for a card. :)
 

Fatdog

Golden Member
Nov 10, 2000
1,001
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Hehehe...:D Good one Kranky!

Your right, Am-Ex does have a credit card now, I forgot about those. The Optima Platinum, the Delta Sky miles card, and Something called "Blue". Don't know too much about them though. You might want to check the website, Robotcholi.
 

robotcholi

Golden Member
Dec 31, 1999
1,033
0
0
Dang, I threw away all the preapproved credit card mails too. Hehe, hope more of those will come soon because I desperately need to buy parts to put together a computer. Thanks guys for the helpful info.
 

RossMAN

Grand Nagus
Feb 24, 2000
78,855
355
136
Yes www.firstusa.com is a valid web site owned by First USA which is a subsidiary of Bank One.

I would rather get a First USA card instead of an American Express.
1) Their smart VISA credit card.
2) Use your First USA credit card and save with select merchants
3) Make online purchases easier with their eWallet which essentially fills in your billing, shipping and credit card information.
4) 2.9% Balance Transfer option
5) If you're concerned about unauthorized charges make sure to at least have a Firewall application (ZoneAlarm is free), always use a credit card from a reputable credit card issuer (such as CitiBank, First USA, American Express, etc.) instead of a debit card, make sure that your web browser has at least 128 bit encryption, if you're not familar with a company check their Reseller Ratings and your local BBB chapter.
 

ArkAoss

Banned
Aug 31, 2000
5,437
0
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i don't know much about credit but i know about computers and neffing
 

robotcholi

Golden Member
Dec 31, 1999
1,033
0
0
Hehe, thanks guys! Should I call First USA up and request for an application? Or how do I apply for one if I want to avoid applying online? Thanks. Damn Rossman, you know so much about this stuff man :cool:
 

RossMAN

Grand Nagus
Feb 24, 2000
78,855
355
136
Damn Rossman, you know so much about this stuff man

Working 6 years in banking with the majority of it in auto/personal/home mortage/credit card finance kinda helped also.

I would call First USA and request they snail mail you an application, or you may be able to download and print a .pdf application from their web site? It's a good idea to complete a paper application because everything can be accounted for including your signature. You can never be to paranoid.
 

perry

Diamond Member
Apr 7, 2000
4,018
1
0
If you're worried about applying for a card online and decide to do it by phone, at least use a non-cordless. There's more of a chance of someone with a scanner listening in on your cordless than there is of someone intercepting your info over the internet (cracking into the database is a different story...)
 

dcb322

Member
Jan 8, 2001
49
0
0
I signed up for my First USA/ United Mileage Plus Visa card online a few months back with no problems as of yet. You get 5000 miles for signing up and 5000 miles for everyone that you refer to them. Great deal. I got family members to sign up, even though its a $60 annual fee. but well worth it...saving up for the trip to hawaii.