Testing release web2 DB
=== November Release 5 2025

Business content publishing === 12/17

I used a convenience check on my Commerce credit card and was COMPLETELY taken advantage of. Normally, when you use a credit card, you make purchases, then get a statement, and if you pay for the whole statement balance of those purchases by the due date, you don't get charged interest. This is actually a grace period and interest isn't charged because you aren't holding a balance. I got a 0% interest rate convenience check for like 12k and paid like $275 for the privilege. First of all, if you make any normal purchases, you start accumulating interest immediately because you hold a balance even though that balance is a convenience check that has no interest for however long. So if you get a convenience check, you can't make normal purchases without immediately accruing 25% interest on them. Second of all, there is NO WAY to pay down the purchases without paying the full balance. I was on the phone with them and asked them how much payment to make such that I'm making my minimum payment for the convenience check and I pay the full balance on my purchases so no interest accrues. I was told multiple times, by the manager, that they can not tell me and there is no confirmation that the payment goes towards my purchases. What in the world!?!? Chase, for example, like every other credit card you can get a loan on, says X is how much you pay for your credit card, Y is how much you pay for your loan, and Z is how much you pay for both--would you like to make one of these payment amounts or select your own amount or pay the entire balance? So, I had no choice but to come up with the money like a year early and pay down it completely after like a month of having the balance because Commerce was charging me with predatory interest and no way to avoid it. So I'm out an interest charge and I think it was $275 for the convenience check. Last of all, the most basic things you could do to improve are make it 1.5% cashback instead of 1% and allow me to redeem my credit card points for cashback below a $25 threshold, and don't require a literal 45 minute wait time trying to reach customer service. My User Id is serving3067 and I'd like to be contacted for a refund because I never heard back from the manager.

keep it up!

I still feel like Commerce is a local bank and am always treated with respect… that goes a long way in today’s world!

Annual report- you can only go back 2 years to see a copy. I lost some of my reports and tried to get a copy. No luck Reward gift cards - there are not that many that are in my area.

Extremely satisfied overall in doing business with Commerce

Of the cards I have this one is my favorite. Just wish the credit limit was higher. But don’t we all.

Great bank and credit card