"No No No Just Say No"
Tribute® Gold MasterCard® Credit Card Review
Written by: lbrynand on 2008-12-09
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
lbrynand's review: 
There are several reasons you should not sell your soul for this card.
1. Their customer service is less than friendly and are of no help at all.
2. Their reward system well it doesn't really exist.
3. They will charge you for everything.
A. To make a pymt online, or over the phone 4.95. They don't tell you this until the very very end
***I suggest enroll in online bill pay through your bank or sending in either a check or money order.
4. You must check and make sure they are reporting to all three credit bureaus. Mine wasn't
This is the worst mistake of your life.
There are better options out there and when I find them I will let you know
There are several reasons you should not sell your soul for this card.1. Their customer service is less than friendly and are of no help at all.
2. Their reward system well it doesn't really exist.
3. They will charge you for everything.
A. To make a pymt online, or over the phone 4.95. They don't tell you this until the very very end
***I suggest enroll in online bill pay through your bank or sending in either a check or money order.
4. You must check and make sure they are reporting to all three credit bureaus. Mine wasn't
This is the worst mistake of your life.
There are better options out there and when I find them I will let you know
3 Comments
Comment 1 by thomas1
Tribute 
on 2008-12-09
Yes, Tribute is one of the least suggested cards I would recommend to anyone. However, some on this board are very happy with them, probably more not than are. You have to be prepared when you can't obtain a card from another lender that will approve you.
There are risks, there are fees, yes, some unfair, but it is the price to pay for less than perfect credit. If you can't get approved for a HSBC, or a Capital One, I would suggest a secured card either from your bank, credit union, or perhaps Citi or BOA. You'll have to upfront the funds, usually anywhere from 300-5,000
but they won't charge the ridiculous fees, they will report to the credit reporting agencies each month. In time, usally 12-18 months, provided your payments are on time every month, they will usually unsecure it to a regular Platinum account.
Stay away from shisters like First Premier, Continental, Aspen and Salute.
on 2008-12-09 Yes, Tribute is one of the least suggested cards I would recommend to anyone. However, some on this board are very happy with them, probably more not than are. You have to be prepared when you can't obtain a card from another lender that will approve you.There are risks, there are fees, yes, some unfair, but it is the price to pay for less than perfect credit. If you can't get approved for a HSBC, or a Capital One, I would suggest a secured card either from your bank, credit union, or perhaps Citi or BOA. You'll have to upfront the funds, usually anywhere from 300-5,000
but they won't charge the ridiculous fees, they will report to the credit reporting agencies each month. In time, usally 12-18 months, provided your payments are on time every month, they will usually unsecure it to a regular Platinum account.
Stay away from shisters like First Premier, Continental, Aspen and Salute.
Comment 2 by meya
Soooo True! on 2008-12-09
But I still give my respect to those that like Tribute. We are here to save you lbrynand. These are better cards for you:
1. Capital one****** The best*****
2. Orchard
3. Travelocity
4. Hooter's
5. Credit One
6. Jcpenny's
7. Macy's
ahhh heck, the link speaks for itself.
http://www.financeglobe.com/FN/showthread.php?361&highlight=Nice+Cards
on 2008-12-09 But I still give my respect to those that like Tribute. We are here to save you lbrynand. These are better cards for you:1. Capital one****** The best*****
2. Orchard
3. Travelocity
4. Hooter's
5. Credit One
6. Jcpenny's
7. Macy's
ahhh heck, the link speaks for itself.
http://www.financeglobe.com/FN/showthread.php?361&highlight=Nice+Cards
Comment 3 by zoe
BEWARE!!! WARNING!!!! on 2009-01-08
I received my credit report recently and I noticed that my Tribute Gold account is in a closed status. When I called to ask them what happened they informed me that all Tribute card holders were sent a letter stating their accounts have been closed. The representative continued to advise that this letter should have been sent to me (I still have no such notification) and that this does not effect my credit. I advised her that I am applying for a loan and that I needed to have this line of credit as verification of my good payment history and I needed to have an open account that is revolving. As is the case now... It comes off like I've been closed for non-payment or delinquent when I have had the best of payment history with them. As a matter of fact, just recently I got a credit increase from $300 to $500! They even charged the annual fee... Just to cancel on me without notification. The rep then offered to send me a letter saying that my account is closed simply because the bank is no longer carrying Tribute cards. My second reason for calling them was that on my report it stated that in June I was 30 days. This is absolutely untrue! I requested that they remove that derogatory information from my report immediately. They asked that I call a different number to discuss that issue. I did just what they asked... And wouldn't you know that they are now claiming (just as others are reporting) that Tribute is alive and healthy as a company but that my account (in particular) was closed at their discretion for a late payment made in July! Again, no such thing has occurred on my end! I have made my payments on time and even paid twice in one month. I requested my letter saying that this account was closed in good standing, and asked them to correct their discrepancy in reporting to the 3 bureaus. They declined to do either. I asked for a transcript and/or recording of our current conversation, and the conversation of 01/07/09 because I was advised that my conversation was being taped for QC purposes and I would like to have it. I was given a supervisor who told me he would have to search for it and call me back. You probably already guessed that I have not had a call back since! If I don't get resolution within 5 business days I will be filing a complaint with the FCC http://esupport. Fcc. Gov/complaints. Htm and the BBB https://odr. Bbb. Org/odrweb/public/complaintlink.aspx. I suggest that if youre having the same or similar problem that you do the same.
on 2009-01-08 I received my credit report recently and I noticed that my Tribute Gold account is in a closed status. When I called to ask them what happened they informed me that all Tribute card holders were sent a letter stating their accounts have been closed. The representative continued to advise that this letter should have been sent to me (I still have no such notification) and that this does not effect my credit. I advised her that I am applying for a loan and that I needed to have this line of credit as verification of my good payment history and I needed to have an open account that is revolving. As is the case now... It comes off like I've been closed for non-payment or delinquent when I have had the best of payment history with them. As a matter of fact, just recently I got a credit increase from $300 to $500! They even charged the annual fee... Just to cancel on me without notification. The rep then offered to send me a letter saying that my account is closed simply because the bank is no longer carrying Tribute cards. My second reason for calling them was that on my report it stated that in June I was 30 days. This is absolutely untrue! I requested that they remove that derogatory information from my report immediately. They asked that I call a different number to discuss that issue. I did just what they asked... And wouldn't you know that they are now claiming (just as others are reporting) that Tribute is alive and healthy as a company but that my account (in particular) was closed at their discretion for a late payment made in July! Again, no such thing has occurred on my end! I have made my payments on time and even paid twice in one month. I requested my letter saying that this account was closed in good standing, and asked them to correct their discrepancy in reporting to the 3 bureaus. They declined to do either. I asked for a transcript and/or recording of our current conversation, and the conversation of 01/07/09 because I was advised that my conversation was being taped for QC purposes and I would like to have it. I was given a supervisor who told me he would have to search for it and call me back. You probably already guessed that I have not had a call back since! If I don't get resolution within 5 business days I will be filing a complaint with the FCC http://esupport. Fcc. Gov/complaints. Htm and the BBB https://odr. Bbb. Org/odrweb/public/complaintlink.aspx. I suggest that if youre having the same or similar problem that you do the same.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of 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.
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.
