Credit Card Ratings Test testingxxx 93.900 test workflow test
Release 9

I have used this card for over 5 years and never had any problems using it.

The fact that my interest rate was jacked up to 10% even though I have made all my payments more than on time, and have been a customer for many, many years. Thanks for that. :(

This card has assisted me in maintaining good credit. Customer service is great and informative when needed. The rewards program needs to be updated badly in the competitive market we live in. There’s very little incentive for me to use it outside of paying a bill or two compared to other cards with other banks. Credit limit should be considered for increase based on good history.

The money back feature is so low, I use my Discover card most of the time.

There are features you can use, but it's not necessary if you just want a basis credit card. I like a credit card because it saves me the trouble of carrying cash.

Very satisfied with the business-like professionalism of Commerce Bank

First time in having the card in 5+ years and I had a return payment. I use my card for daily expenses and pay it off every month. My checking is with another financial institution. Made a payment but there was some confusion with my checking account. First time ever. And the payment got returned from credit card. Once I realized what happened I corrected my checking account and made another payment. The next day I verified the money cleared my checking and showed applied to this credit card. However, my card was still getting declined. I called and spoke with a supervisor named Tom in customer service who told me a 10-day hold was placed on the payment! I’ve never heard of this before. And he told me there is no one at the bank that could release the hold to make an exception even though this is the first time this has happened. And there is record of my consistent monthly on time payments. This is the exact reason I will never bring my money over to Commerce Bank. They just don’t care.