"Not The End Of The World Folks!"
Tribute® Gold MasterCard® Credit Card Review
Written by: gary on 2007-07-06
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
gary's review: 
Wow, there are a lot of angry consumers out there... And I don't want to be one of them. After scrolling through a few pages and looking at all the negative "X" red points, I think I will learn from most of you all.
I was solicited with a $1,000 credit limit, no annual fee but monthly fees of $9.00. The interest rate was about 19%. So I called the number on the application and gave my information over the phone (had second thoughts then). The gentleman I spoke to was foreign, I judged by his accent. He was polite and yes, he did read a script.
A month later I received my card and the credit limit is $500. Same terms and conditions as the letter, except the credit limit. I have not called to activate the card, and will not be doing so. My credit has not changed since they first marketed me, if anything, it is better. To me, that says a lot for integrity. If you say you're going to do something (especially a business / bankcard center) then do it.
I don't agree with paying fees to access MY information, sending MY money for the credit card. I would rather open up a savings account for a credit card, to be treated with dignity and respect. Besides, Orchard gave me a card, with 9% interest rate. The credit limit was only $400 to start, but they are friendly, do not charge to access my account and make online payments (unless it's a rush) and have offered to raise my credit limit if I have satisfactory payment records.
I don't need the hassle of wondering when or if Tribute is going to screw me.
Lastly, to all of you who hurl insults regarding the reps "not speaking English", that's pretty unfair. I am "English", and use appropriate grammar for the most part; but the bigotry and prejudice (isn't that what it really is) don't need to be part of this forum. We're all human, and we all want to have jobs, to pay for our lives. It's not their fault they have an accent, and if the bankcard company farms out the calls overseas, well-that's how many companies operate now. Have you ever thought that we are foreign to them? Have some tolerance on the diversity issue. Yes, you may need to listen more intently and focus on the two-way communication better, but stretch yourself in being more tolerant. Not just with Tribute, but other companies as well.
Cheers-
Wow, there are a lot of angry consumers out there... And I don't want to be one of them. After scrolling through a few pages and looking at all the negative "X" red points, I think I will learn from most of you all. I was solicited with a $1,000 credit limit, no annual fee but monthly fees of $9.00. The interest rate was about 19%. So I called the number on the application and gave my information over the phone (had second thoughts then). The gentleman I spoke to was foreign, I judged by his accent. He was polite and yes, he did read a script.
A month later I received my card and the credit limit is $500. Same terms and conditions as the letter, except the credit limit. I have not called to activate the card, and will not be doing so. My credit has not changed since they first marketed me, if anything, it is better. To me, that says a lot for integrity. If you say you're going to do something (especially a business / bankcard center) then do it.
I don't agree with paying fees to access MY information, sending MY money for the credit card. I would rather open up a savings account for a credit card, to be treated with dignity and respect. Besides, Orchard gave me a card, with 9% interest rate. The credit limit was only $400 to start, but they are friendly, do not charge to access my account and make online payments (unless it's a rush) and have offered to raise my credit limit if I have satisfactory payment records.
I don't need the hassle of wondering when or if Tribute is going to screw me.
Lastly, to all of you who hurl insults regarding the reps "not speaking English", that's pretty unfair. I am "English", and use appropriate grammar for the most part; but the bigotry and prejudice (isn't that what it really is) don't need to be part of this forum. We're all human, and we all want to have jobs, to pay for our lives. It's not their fault they have an accent, and if the bankcard company farms out the calls overseas, well-that's how many companies operate now. Have you ever thought that we are foreign to them? Have some tolerance on the diversity issue. Yes, you may need to listen more intently and focus on the two-way communication better, but stretch yourself in being more tolerant. Not just with Tribute, but other companies as well.
Cheers-
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Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
