Celtic Bank Reviews

I have been trying to cancel my credit card issued by Square for almost 6 months. No response so far. This rating also applies to Square, as they are the ones who offered me the credit card. Stay away from Celtic, and Square. Both companies have provided me with terrible support services.

They are owners for Earnirva, Destiny and Indigo credit cards. They charge annual fees ($49+), alongside a monthly fee ($19+) plus interest. The fees and and interest seem high for even a subprime Lender. After losing my 742 FICO and needing some credit cards, I went through them for 1 business card and 2 personal cards. Its not bad, but the rates are high. If you missed a payment by even 1 day late, the fee is normally higher than the interest. Also, they did not send notice for the annual fee. No text or push notifications, cant find an email. Its almost like they want to slip it into the bill without you knowing, so they can get over limit fees, extra interest, etc.

So many European hotels, taxi, trips use Celtic Bank to pay the bill (credit card) are often denied. There is no reason to deny as there is available credit. Some will partially go through but need a verification code, sent to text email on file, but the majority of these codes never arrive. They are losing out on legitimate purchases due to AI-related "credit card fraud", with are 99% incorrect. I usually have to back out due to frustration and use a different hotel/trip company. Very disappointed.

Had payments taken out each month for my surge payment., guess I was wrong. Received letter dated Sept. 15, 2025, but just got it today, want to take me to court for nonpayment of $1166.61 (which I don't have, due to being disabled, work hours cut down to 9 hours. If they had just emailed me about not getting my payments, I would gladly worked out some arrangements with them, but they didn't. I don't want to go to court, I just want to talk with them and settle this less stress.

Paid off under protest. I was a personal guarantor on an SBA-guaranteed loan serviced by Celtic Bank. After my co-guarantor (my father) passed away I tried to work with them to pay off the loan. Collections told me my OIC was “submitted” and that during the shutdown they wouldn’t move on collections, even though fees would keep accruing.

I had an exceptionally disappointing experience with Celtic Bank. I provided all requested documentation starting in August, yet I was repeatedly asked for the same documents over and over again. I exchanged 57 back-and-forth emails with Cory ** and 44 back-and-forth messages with Solyne **. Despite this extensive communication, the process went nowhere. Each time I asked when the review or closing process would end, I was told “tomorrow” or “the next day.” That never happened.

I went through AFFIRM. They have a deal with Celtic Bank who hides in the background. Had to go through my statement to find this breakdown. I thought I was paying 0% but it's 35 percent.. On top of that they pound you if you're day late. Do not deal with these people. They go through Walmart Hotels.com. Lot of companies are using them but if you're going to pay 35% interest you might as well go to a local loan shark.

Celtic Bank is Bank used by Affirm. They will not allow the Affirm customer to select the merchants they want to use. Celtic will block the customer from using the same merchant but will approve loans that aren't getting many customers. After using Affirm for a few years, I notice I could get a loan from an unknown company to make sure could honor the contract drumming up business for them. I reported the issue to CFPB and FDIC they have block me from getting any other loans from Affirm. It is unethical and deceptive to push the customer to an unknown merchant vs allowing customers go to the company they trust. I have a excellent pay history and a loyal customer.

I gave 1 star because you can't leave less. This is a terrible bank to attempt to do business with. They want $5 To pay with a debit card, after reluctantly using their website to pay a payment, I am told that will take effect next month and they charged a $41 Late fee. You can't understand any of their customer service people, I don't know what country they outsource to. I was hung up on after being told it would be 2 hours hold to speak to a supervisor. Run. Don't walk away from this credit card called Surge. It took all day trying to work with their website and after submitting a payment, I find out it wasn't a payment and now they want an additional payment which would mean 2 payments for 1 month plus a $41 late fee. This is a very crooked bank with horrible customer service. WARNING ⚠️ DON'T USE THEM!!!@

Applying for the Mesa Homeowners Visa® Signature Preferred Credit Card through Celtic Bank proved to be a frustrating experience. Despite submitting multiple identity documents, including a naturalization certificate, passport, and driver's license, my application was repeatedly denied due to "unable to verify identity" or "information provided does not match application or external source(s)."