AT&T Universal

Pros: Good customer service, good benefits package
Cons: People with poor credit history will find a better deal elsewhere

I've held a At&T Universal Card since my college days almost 10 years ago. I was offered a generous line of credit and a Platinum card at that time. My fist reaction was, cool, I get a calling card with my second credit card (My third was American...

Pros: easy to read billing statement, waiver of balance transfer fees
Cons: solicitations after you sign up for the card, interest rate only okay

Note: this is a review about the AT&T Universal Platinum Mastercard.

I kept on getting solicitations from AT&T via mail, so what the hell, I decided to sign up given the great deal they had on balance transfers. If I transferred a balance, it...

Pros: online payment, email statements
Cons: punitive late policy, sneaky terms changes, solicitations, high interest rate

I've had this card for about eight years. In that time their payment processing has been efficient a ...

Pros: Low, Long-Term APR
Cons: None after a year

See my earlier review on the FIRST USA credit card for some history. This review carries the history forward.

This was a case of VERY good timing. 99% of the time, I throw out all of the credit card solicitations that I get through the mail....

Pros: Good online system, customer-friendly service, lots of benefits
Cons: You might spend too much for the benefits... :Q

Honestly speaking, I am a fan of credit card! I really like plastic currency. Why not? I mean, with such a handy invention, we don't have to bring lots of cash anymore, and if you use it with caution, you can enjoy all the benefits to have it! No longer...

Pros: brand name, phone card attached
Cons: poor customer service, no extras

Seems like I have opposite experiences with credit card companies than most people...oh well, I still would like to put my two cents in and warn everyone about AT&T Universal Mastercard.

Being a college student, credit cards are pushed in...

Pros: Reasonable Interest; Good Service
Cons: Universal Savings program ends in June

My previous review of AT&T Universal Master Card mentioned the Universal Savings program. This is a reward program that amounts to a 1% rebate in the form of phone equipment, gift certificates for several major merchants, car rental upgrades, airline...

Pros: none
Cons: a sleazy loan-sharking operation

UPDATE 5/27/03

The AT&T Universal credit card is now apparently serviced by Citibank. Don't know how they stack up against other consumer credit card companies, but I can say that a business credit card account we have with Citi has...

Pros: Reasonable Interest Rate; Reward Program; No Annual Fee
Cons: None

AT&T Universal Card was offered to me in 1990. By accepting, I became a Charter Member. I was told I would never have to pay an annual fee. So far, that is true. Interest rate has varied over time. It has been as high as 17.9% and as low as 13.4%....

Pros: Rewards program, free gifts, good rate
Cons: Encourages you to spend more when you have a card

I am a credit card collector. I have tons of credit cards from many different companies. For the most part, my only concern with the card is that it has a low interest rate. I carry a large balance, and tend to move the balance from one card to...

Pros: Good to you if you are good to them and don't lose your card.
Cons: Bad customer service, no concern for fraud with your card.

I got my AT&T Universal Card when I was in college. They certainly do like giving them out to inexperienced folks. This was not my first credit card, but my third. I got a Visa and an AmEx before this one. I took real good care of all of my credit...

Pros: Great for student discounts!
Cons: Can't see any

I've had this card for about 6 years. I got it as a freshman in college through a campus offer. Since that time AT&T Universal has extended the Student Advantage program to provide all sorts of deals for college students. I am still a student of...

Pros: decent cash limit, great customer service
Cons: none that I have found yet

My first credit card had been a Capitol One Mastercard. Being disatisfied with that I went in search of another, better card. I finally found the card I was looking for on the mastercard website and it turned out to be the Universal card.
I have...

Pros: Company has excellent reputation already
Cons: variable interest rate instead of fixed

I am a HUGE AT&T fan! I have used them for long distance for years so when I found out that they offered a Master card I was certain it would be another great deal.

For the first time I went to a site on line and applied for a credit card...

Pros: No annual fee, good customer service
Cons: No rewards for use, somewhat excessive late charge

As a former employee and marketing director for the AT&T Universal Card, I am here to give you an unbiased opinion on what is one of the better cards out there, with no annual fee.

Others have written that this is an excellent card for...