As much as this country is in need of some SERIOUS credit card reform, we know that consolidating purchases so that you can pay one bill at the end of the month is good for the environment, especially if you pay online, and maybe donate those points to a good cause! We all have our horror stories about companies who've scammed us by charging some crazy interest rate or changing terms suddenly, we list a few that haven't in this section. We would avoid using any card issued by Chase or Barclays Bank at all costs. (Look at the back of your store card to find the issuing bank. For instance, LLBean and BJs, which we love, sadly have chosen to use cards from Barclays- we've contacted their corporate offices and suggested they use a different bank.)