I see many here praising I&M Bank's credit card. Avoid all credit cards but if you are going to use it then use I&M Bank. Polite staff & open till 3pm on sato. I am in CBD & CBD branch open till 5pm. And if you get in by 5pm,they will credit you the same day. No matata.

*** Customer service is easy. You use an in-house phone not spend your airtime calling barclays. Or talk to the CSRs.

Greedy when others are fearful,Very fearful when others are greedy - to paraphrase WB

These people are making a kill from their unsuspecting customers

Sample this:

Cash advance fees 6.25 %

Interest on Cash advance fees 3.25 % p.m or 39% p.a from the date of withdrawal.

Annual fees basic card 3000/=.You can only withdraw 40 % of your credit limit. Say your limit is 20000,you can only withdraw 8,000/=.If you withdraw once in a year, you will have paid 3000 annual fees+ interest to access 8000/=.This is next to shylocking!!!!!!!!!!!!

I have had mine from KCB for like 6yrs. They are not too bad. Good thing is that they listen most of the time.

I once caused about the annual fees which they used to hit me with every june. I went to their office in may and told them I cancelling the contract unless they waive that damn annual fee. That was 2 years ago. Never seen it again. They have the right to waive it if you ask.


Be greedy when others are fearful,be fearful when others are greedy.

OK, so whats the latest on who is the best issuer? Is I&M still good? Don;t even talk about Barclays even if they have styled up...

Thing is, my bank's overdraft process has been rather arduous, almost like applying for a mortgage for a simple overdraft - rather access to over draft facilities when needed - and perhaps only to the tune of Kshs 30-40k. The interest pm on the overdraft is currently 10% of the total value.

So, rather than do this each time, I may want to consider a decent credit card issuer....

Totally agree with you...the interest on cash advances and the limit of 40% was introduced when they moved to a new IT platform (something called Prime). The changes were not communicated and clients just met the charges on the statements for the first time.

I was really inconvienced when I wanted to withdraw cash only to be told that there is a new limit of 40%.

Their client treatment was in the very least pathetic.

I have still stuck to them simply because other than the above two issues, their cards have never bounced/failed at a service point. And i use card more as an overdraft facility (when I need it) and make sure that I pay all my charges in full on due date through automatic pay from my BBK account.