Routine roof inspections are an essential for successful roof management and upkeep. We offer different levels to fit your needs. Additional website - www.langleyroofs.com. Additional DBA - Langley Roofing. Additional email - help@langleyroofs.com.
Business highlights
23 years of trusted experience
Family Owned & Operated
Emergency Services Offered
Services we offer
Roof Installation, Gutter installations, and skylight installations
First & foremost, My wife and I are 100% satisfied with our new roof from Langley. Now for the particulars: Communication from the front office, to the estimator, to the on site manager was top notch. We were kept informed at every step of the process. The quality of the work, left nothing to be desired. From materials, to workmanship, we give A++. As far as the crew on site, we had a team of 7. They were there from about 7:00 am to almost dark. And when they left, you wouldn't have been able to tell they were even there. As far as price goes, we might have been able to save a little by hiring "Chuck & his Truck", but as the old saying goes YOU GET WHAT YOU PAY FOR. Lastly: Because I promised I would, Kudo's to Andrew, and Chas!! You guys were the best, and rest assured, I will be recommending Langley to anyone who asks.
Description of Work: Replace existing roof
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$16,000
Buddy K.
11/2019
5.0
roofing
+ -1 more
They come the next day after calling to inspect what we thought was a leaking roof. The roof was fine actually had another issue. He called an associate to get his opinion and gave us recommendation on how to fix easily ourselves. Very honest and professional.
Description of Work: possible roof repair
Rating Category
Rating out of 5
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
Lucas R.
09/2018
3.0
roofing
+ -1 more
I followed up on an email they sent me about an old quote where I asked about their schedule to get this going. After two days of no response I emailed again. One day after that they finally responded but it was an automated notification for an appointment for them to come out to create another quote. I emailed asking what is this about since I wasn't consulted about this appointment and had yet to speak with a human. I had to send multiple emails to understand why I was getting an automated email and no answers to questions. Finally I get an email saying they're withdrawing from a quote. Very bizarre interaction that should have been fairly simple. I enjoyed speaking with the original worker, Damon, who made the original quote, but this email interaction gave me no confidence in their ability to communicate and get the job done, and I'll never know because they withdrew before we even got to that point because of their own inability to communicate.
Description of Work: Roof replacement
Rating Category
Rating out of 5
value
4.0
professionalism
3.0
responsiveness
1.0
Cherie M.
07/2018
3.0
roofing
+ -1 more
They came and did a quote very quickly. I kept mentioning to include the soffit. He said he would take care of it too. Had me pay a deposit promptly. After 3 weeks had to call and ask when my roof was going to be done. Came on a Saturday right before Father’s Day. I called and complained that they hadn’t put the moisture barrier down in an area by my office. They came back and checked, which I could not see, and told me it was done. Reminded them about the soffit. It was the whole reason I called a roofer out. After Supervisor who was very kind and assured that it will be done. Then owner got involved and said no as wasn’t on the contract. I had someone else to do soffit. If you want them, I would make sure every little detail on contract, plus get a building permit and photos of moisture paper installed on roof before laying of roof tiles.
Description of Work: Replace roof on porch
Rating Category
Rating out of 5
quality
3.0
value
4.0
professionalism
3.0
responsiveness
2.0
punctuality
2.0
$1,500
Bridget T.
05/2018
5.0
roofing
+ -1 more
Other than the sub overcharging for flashing that was already in the quote and the hassle of phone calls to rectify the overcharge, the job was well done by the Langley crew. Work was performed above expectations.
Description of Work: old shingles removed and replaced, re position gutters, sub hired to replace dormer siding
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$7,000
Response from Langley Roofing
Thank you for the review. We are glad to have resolved this issue for you.
Brian H.
10/2017
1.0
roofing
+ -1 more
BUYER BEWARE!!! Read Langley’s contract before hiring this company. Langley Roofing has a provision in their contract that indemnifies them regardless of any and all legal action including and not limited to paying attorney fees for any cause of action on their part for any reason. In other words, you will need to pay their attorney fees even if they breech the contract or any lawsuit is brought against them. When brought to their attention, the response was that this clause was non negotiable and has been used when needed on occasion.
Description of Work: Replace entire roof of a home.
Rating Category
Rating out of 5
quality
1.0
value
1.0
professionalism
1.0
responsiveness
5.0
punctuality
5.0
$15,000
Response from Langley Roofing
It is unfortunate that Mr. [Member Name Removed] saw the need to air his "complaint" in a public forum since we didn't work on his property at all. We regret that Mr. [Member Name Removed] has misunderstood the language in our contract, but that it does not say what he says, but rather misrepresents the contract language and intent, and that our company does not "bully" customers the way he indicates. Please note: His grade given to us were the following: Responsiveness: A - We responded to all of his requests. Professionalism: F - He was given the utmost attention when he called and when we visited his property for an estimate. He was treated with the same professionalism as all of our customers. We spent hours reviewing his work, preparing our estimates, and answering his questions via phone and email. Quality: F - We didn't perform any work on his property. So we are not sure what quality he is referring to. Price: F - If price were an issue, he wouldn't have agreed for us to do the work as requested. Punctuality: A - We arrived on time (or before time)...every time he called us to come out and review his requests. By the time some of Angie's List members read this we would have worked for hundreds more good people in the Greater Chattanooga Area, under the same contract, under the same professional service, and under the same great team here at Langley.
Philip H.
06/2017
5.0
roofing
+ -1 more
Excellent experience in spite of the long delays due to an excessive number of rainy days this spring. The hardest part was picking what color shingles to use (I hated the drab brown that looked defeated after 19 years) but the staff had some good color guidance and the end result was perfect (a kind of darkish gray) and enhanced the whole look of the house. Using the higher grade architectural shingles rather than the basic flat type that I was replacing also created a better visual experience. The project took a little over 2 days and the team was there from sun up to sundown working hard. I've attached before and after pictures from 2014 and 2017 (and yes I know--the "landscaping" is the next beast on my list!).
Description of Work: Replacement of 19 year old roof on a house I bought out of foreclosure three years ago. Originally I contacted them for an estimate after several shingles came off during a storm. I had them do both a repair estimate and a full roof replacement estimate and decided on the latter.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$5,800
Response from Langley Roofing
Awesome Review. Thanks so much! Let us know how we can help in the future.
Marvin S.
05/2017
5.0
gutter repair, roofing
+ 0 more
Good! Work was done professionally and all waste cleaned and removed.
Description of Work: Replaced carport roof and repaired section of house shingles.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
Response from Langley Roofing
Thank you sir. Call us in the future.
Gerald M.
05/2017
5.0
roofing
+ -1 more
They responded to my request for a roof evaluation very promptly. They inspected the next day, and I went ahead and had them repair the areas that were causing problems. The whole process was wrapped up within a week. They were very professional and courteous. Would highly recommend Langley and would not hesitate to use them again. Given the fact that I now live out of state, it is essential that I hire trustworthy craftsmen, and Langley absolutely fits that bill.
Description of Work: Checked out a roof leak.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$250
Response from Langley Roofing
Awesome review. Thanks so much.
Todd B.
03/2017
5.0
roofing
+ -1 more
I found him on Angie's List. I've only used them once and it was 4 or 5 days after I got their information off of Angie's List. It was for one of my rental houses. They've already quoted 6 more of my houses but I just haven't found the time to have them do them yet.
Description of Work: It was for roofing.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$4,500
Response from Langley Roofing
Thanks for the kind review. We always appreciate it. Look us up when you get ready for the rest of your rentals.
Yousef H.
01/2017
5.0
roofing
+ -1 more
Extremely well done and the crew was very professional
Description of Work: Replaced roof
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$9,000
Response from Langley Roofing
Yousef, thanks so much for this review. Call us in the future for your new home.
Lee B.
12/2016
5.0
roofing
+ -1 more
We had a roof leak after a blowing rain. They came out within in a couple days & gave us a very reasonable estimate. We gave them the go ahead to perform the work. I came home that same day thinking we would have to wait until after Christmas & New Years to get the repair done. Before I could even finish that thought I heard banging on our roof & saw their van in front of our home. They finished the repairs, cleaned up & were gone. Did a great job as we had 2 more days with blowing rain & no leak. Great company that has great people.
Description of Work: Needed rubber boots replaced on 4 of our roof vents.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$250
Response from Langley Roofing
Thank you for using our services. Call us in the future should you need to.
George M.
12/2016
5.0
roofing
+ -1 more
I've used them several times to complete my primary roof and then they had some guys that do gutters. So I had them do that. I've been very pleased with them. My shed has architectural shingles so it wasn't too much. But the house roof was much bigger. It was $6500. I'd give them A's. They've done numerous jobs for me. I had two other quotes and wow... One quote was $12,000. And the quote from Champion Windows was $11,500. But golly. They just wanted a ridiculous amount of money. I need have an issue, and they came back right away with no problem.
Description of Work: Roofing and gutter work.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$7,500
Response from Langley Roofing
You used us twice!! That;s awesome. Thanks for the continued business.
George M.
11/2016
5.0
gutter repair, roofing
+ 0 more
Great Scheduling was a breeze, the were on time and did great work
Description of Work: New roof for my house
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$5,000
Response from Langley Roofing
Glad to read this. Call us anytime in the future.
Jeremy D.
10/2016
5.0
roofing
+ -1 more
The whole experience was what I expect from service providers. When I called them Monday morning at 8:15 am, Sheila answered right away; she was extremely professional, gracious, and answered all of my questions thoroughly. They were out on Tuesday to give me an estimate which was provided by email just minutes after finishing their review of the roof. They were scheduled to arrive between noon and 1:00 but were held up with a prior job. Sheila called me prior to noon to let me know that it would be between 4:00 and 5:00. She was very apologetic in regards to any inconvenience this may have caused, but I was grateful to have a provider be so proactive and considerate. The scheduler called Wednesday morning and advised me that they could have somebody out later that day. The guys arrived right on time and went to work promptly. They were professional and friendly as well. They cleaned up everything and even checked on the overall health of the roof. They walked through exactly what they did and assured if I had any additional questions. Even though it took them 3 hours compared to what they estimated to be an hour (due to the quality of shingle and its installation), they didn't charge any more than the original estimate. Because of how great they all were to work with, I'm signing up for their annual maintenance program. I won't use anybody else but Langley Roofing in the future.
Description of Work: Langley Roofing replaced 4 roof vent boots and sealed all exposed nails along the ridgeline.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$250
Response from Langley Roofing
Thanks so much [Member Name Removed]. We hope you'll remember us in the future.
Edmond M.
02/2016
1.0
roof cleaning, roofing
+ 0 more
Mr Langley, I am so disappointed that you don't think my $10,000 is worth your time. Since first contacting you 3 months ago you have ignored my phone call - although sometimes you would have one of your workers, that knew virtually nothing, contact me. You have failed to contact me on at least 3 separate times when you had specifically told me you would either call me back or contact me to set a time to meet. You have NEVER told me what materials were included in your bids. You just had your assistants tell me where to go to pick colors. However, there are many different manufacturers and styles. You left it to me to guess which were acceptable. And when I selected a roof style and color I liked then you informed me that you didn't get roofing from that company. I took off work to drive to Cleveland where the showroom is located to see which colors I might like - again guessing which manufacturer and style was acceptable. I find your business dealings to be extremely unprofessional. I have no idea how you were so highly recommended. I feel I have been more than patient. I think now it is time for me to move on and find someone who is interested in my money. Duncan Morris
Description of Work: Mr Langley, I am so disappointed that you don't think my $10,000 is worth your time. Since first contacting you 3 months ago you have ignored my phone call - although sometimes you would have one of your workers, that knew virtually nothing, contact me. You have failed to contact me on at least 3 separate times when you had specifically told me you would either call me back or contact me to set a time to meet. You have NEVER told me what materials were included in your bids. You just had your assistants tell me where to go to pick colors. However, there are many different manufacturers and styles. You left it to me to guess which were acceptable. And when I selected a roof style and color I liked then you informed me that you didn't get roofing from that company. I took off work to drive to Cleveland where the showroom is located to see which colors I might like - again guessing which manufacturer and style was acceptable. I find your business dealings to be extremely unprofessional. I have no idea how you were so highly recommended. I feel I have been more than patient. I think now it is time for me to move on and find someone who is interested in my money. Duncan Morris
Rating Category
Rating out of 5
professionalism
1.0
responsiveness
1.0
Amber G.
02/2016
2.0
chimney repair, roof cleaning, roofing
+ 1 more
I have a leak around my chimney. I previously had a quote from Langley before on a roof estimate and liked them after speaking with them so when I had a roof leak pop up, I gave them a call. They came out and gave me an estimate without any problem. When we decided to go for it a week later, they told me when they could get to me - maybe a couple weeks later. I believe we started speaking around the first of December, an estimate was given on the 15th and they were supposed to come out the week before Christmas, weather permitting. They never called or emailed to schedule a specific day or time and I never received anymore communication from them. I finally gave up on them and called around for other estimates.
Description of Work: They did nothing because they stopped communicating with me.
Rating Category
Rating out of 5
value
3.0
professionalism
2.0
responsiveness
1.0
$500
Response from Langley Roofing
We are very sorry. We actually still have you on schedule. As well as many others. Do you want us to take you off schedule?
gloria M.
12/2015
5.0
decks, hauling services, roofing, woodworking
+ 2 more
There were many workers on the first day when they removed the old shingles. The workers did not stand around talking but work all the time. Come to find out our house, built in 1958, did not have felt under the shingles so some of the boards were rotted. The guys replaced the bad boards, then put architectural shingles on the house and installed some ventilators. One of the workers forgot to seal one of the vents so we had a leak with the next rain but as soon as Langley Roofing was informed of the problem, someone came out to repair it. A painter came by later to take care of the water stain on the ceiling. Accidents happen but it was repaired well so we are happy with the overall work. The old deck was removed in one day and the new one went up the second day. The old lumber was hauled off a few days later. All the work by Langley Roofing was very well done and the workers were professional at all times.
Description of Work: Langley Roofing put a new roof on our house and rebuild a deck.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$10,028.5
Response from Langley Roofing
Thank you so much for the review. We enjoyed working for you both.
A rep showed up to give me estimate. He was on time. He was professional and polite. He gave good advice and was correct in his assessment. The company emailed me an estimate and we discussed appropriate time to do job. The two young men that did the job were great. They were on time. They did a good job and cleaned up afterwards. They were polite and did the job in a timely manner. I would definitely use them again.
Description of Work: Repaired leaking metal roof. Cleaned gutters.
Rating Category
Rating out of 5
quality
5.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$950
Response from Langley Roofing
Thx so much for the review. We appreciate your business.
scott P.
12/2015
5.0
roofing, woodworking
+ 0 more
Our new roof looks great. Replaced the old 3 tab shingles with architectural shingles which really improved the look of our home. Langley's crew was professional and courteous and did a great job. They finished the house (along with repairs) in one day and finished the detached garage by mid-day on the second day. My biggest concern was the damaged eave and that the repairs matched the rest of our 1930's house. The repair looks great and once it is painted, should be indistinguishable from the existing eaves. Langleys quote was not the lowest we received, but it was far from the most expensive. A recommendation from friends along with another roof they replaced in our neighborhood helped us to choose Langley and now that the work is complete, we know we made the right decision.
Description of Work: New roof for our 1930's house and garage. Removed old roofing, replaced several rotten boards, and repaired a damaged eave.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$6,100
Response from Langley Roofing
Thanks so much for the review. Awesome working with you guys. And our guys loved working there. The color of roof really makes that roof pop now. Great choice!!
Jason G.
07/2015
5.0
roofing
+ -1 more
Jeremy privided great service from the beginning throughout the entire process. Price quote came within 24 hours and work was completed within the next 24 hours. Price was extremely fair for the service provided
Description of Work: Replaced missing shingles on house
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$200
Response from Langley Roofing
Thank you for the kind review. Let us know how we can help in the future.
Corey W.
06/2015
4.0
roof cleaning, roofing
+ 0 more
Super simple to deal with...they came out did an evaluation and quickly turned around a quote for my review. I went over the quote with Jeremy on the phone and he explained everything in detail until I was comfortable. The crew came out and was impressive to watch..."well oiled machine". Cleaned up everything and my roof looks great.
Description of Work: Replaced, repaired roof.
Rating Category
Rating out of 5
quality
4.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$3,000
Response from Langley Roofing
Hey, why did you give me a "B"? Did something go wrong?
Nancy B.
05/2015
3.0
roofing
+ -1 more
I was bathing one morning and I noticed that water was coming from the ceiling, it happened to be raining at the time. I called the company and told him of my problem and stated that the last time Jeremy was at my home I told him that I saw water marks on the ceiling of my bathroom. His reply was oh there's no problem there. He brushed me off. In my conversation with Chris when I called about the current problem with the leak, he told me that it was not raining that weekend where he was. I was confused because just because it was not raining were he was at that time doesn't mean it was not raining on Signal Mountain. LoL. Any way Chris told me that the company would be there on Weds a 8:00 am. On Weds at 8:00, they did not arrive. I called them at 8:22 no answer I left a message. I called again at 9:07 and Chris stated that they were on their way. And he stated that I did not need to be there and that they knew what the problem was, around the chimmney. I said that was the problem before, and I thought that was taken care of. I told them that the problem now is my bathroom, and he said that he knows. Then Chris called again at 9:22 and stated that they would be there within 1/2 hour, so now we are talking about 10:00. So at 10:20 Chris and Jason arrived and they went directly to where the problem was. Chris went in the attic and found that some nails had come apart form the underneath of the other roof at the bottom. I had to leave and they left me a message stating that I will continue to have problems because they do not recommend putting a roof over another one. So Chris stateted that there would not be a charge because of the inconvience that they caused me. The problem was solved and the repair was made. Chris and Jason were very professional. I only wish that the problem was taken care of when Jeremey was there the first time.
Description of Work: I have used this company and wrote a review 2 years ago. I found a leak in my roof about 1 month ago and Jeremy showed me a picture of the problem and then he fixed the problem which came from the roof above my husband's bathroom. Also at that time I pointed out to him of watermarks on the ceiling of my bathroom, he said there's no problem there, he brushed me off.
Rating Category
Rating out of 5
quality
3.0
professionalism
4.0
responsiveness
1.0
punctuality
1.0
Yes, I recommend this pro
Response from Langley Roofing
We are shocked to see this review. The fact that this review came to us after we repaired your roof for the second time in a different place FREE OF CHARGE shocks us. Thank you for the review but there are some inaccurate statements in this review. We did repair your roof DECEMBER 2013. The repair was to replace the flashing around the chimney AND a boot over the rear bathroom in the amount of $450. When you called us in MAY 2015 you stated that the roof was still leaking in the same place. When we arrived at your home on the day that we said we'd be there, the leak was not in the same place as before. The leak was in the (front) bathroom) parallel to the chimney. Jeremy (the owner of the company) assessed the problem by crawling in the attic to see where, in fact, it was leaking. It was not leaking in the same place as it was in December 2013. He documented with pics to show you (which we still have on file). Jeremy gave you full assurance that although the repair wasn't in the same area as before, he would not charge you for a second trip. Our repair men, Jason and Chris, did make a repair to the roof, free of charge, on the day we had scheduled with you. They stated that you were upset that the leak wasn't noticed before but based on our assessment in DEC 2013, there wasn't another leak. As we told you in person in December of 2013 and emphasized even more in May 2015 that you would have problems with this roof because of the house having two roofs on it, poor workmanship from the past roofing company, and improper ventilation. We will state it again in writing on this review. Your roof will continue to have problems because of the workmanship from the past, improper ventilation, and the build-up of two roofs. (meaning, other leaks will occur unless the roof is properly replaced) Please note* We warranty all of our work and will service your roof if its leaking in the same areas as before. However, If in fact you still believe your statements are true after reading this, please refrain from calling us in the future. We do not conduct our company in the way in which you have stated. As our reviews have stated over and over, we are a top-rated company because of service. We make it a point to keep our this company free from ridicule or blame because of our service and attention to details. In this case you may have misunderstood the diagnosis of the second leak (which we hope is the case). We could have charged you for the second trip to repair in a different place on the roof. We didn't because of the misfortune you've had with the roof you had installed a few years ago. Some people are taken advantage of, which we believe is what happened when the other company convinced you to put a second layer on this roof. We don't wish you any misfortune to your roof, however we are writing the facts. Thanks again for allowing us to serve you in the capacity we did. We hope your statements were a complete misunderstanding. Again, the fact that this review came to us after we repaired your roof for the second time in a different place FREE OF CHARGE shocks us.
Mike C.
04/2015
5.0
roofing
+ -1 more
Jeremy gave a very fair quote. He and his crew were punctual, did I a quality job and cleaned up after themselves. Very dependable and honest. You can trust Jeremy to tell the truth.....
Description of Work: Replace roof on bonus room.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$1,200
Response from Langley Roofing
Thanks for the kind review. Let us know if we can help in the future.
Crystall S.
03/2015
5.0
roofing
+ -1 more
Jeremy was easy to schedule and was on time to the appointment. He made a detailed examination of my roof and offered to email me a report with everything needed. He was able to advise correct information that was missed by the first roofer that I had out.
Description of Work: Jeremy was scheduled to remove some shigles and take pictures due to possible issue with the manufacture of the shingles.
Rating Category
Rating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0
Yes, I recommend this pro
$75
Response from Langley Roofing
Thanks for the review [member name removed]. We hope to be able to work with you in the future.
All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves. To find more licensing information for your state, visit our State Contractor License Requirements page.
*Contact business to see additional licenses.
Service Categories
Roofing,
Skylights
FAQ
Langley Roofing is currently rated 4.9 overall out of 5.
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Langley Roofing accepts the following forms of payment: American Express,Check,Discover,Financing Available,MasterCard,Visa