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Credit First National Association Reviews

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About Credit First National Association

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Credit First National Association (CFNA) specializes in private-label credit card services for automotive-related transactions. CFNA offers customized financing solutions, deferred interest plans and online account management.

Pros
  • Friendly customer service
  • Flexible payment options
Cons
  • Frequent late fees
  • Payment processing delays

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Credit First National Association Reviews

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    How do I know I can trust these reviews about Credit First National Association?
    • 4,697,285 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceStaff

    Reviewed July 14, 2025

    I applied for this card through Tires Plus to get some new tires. It's been over a month, and I still have not received my card. Nonetheless, I called and made a full payment before the due date. I gave them my checking information and saw the transfer pending. I was supposed to receive an email receipt, but never did. Today, I got a text saying that my balance is past due. This is pure deceit. Please stay FARRRR from these people.

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    Customer ServicePricePunctuality & Speed

    Reviewed July 5, 2025

    My experience with CFNA has been extremely disappointing and frustrating. I never received my credit card in time to make the first payment, which led to late fees and interest charges. When I contacted their customer service, they promised to waive the fees after I made the payment. Based on that, I paid the amount due—only to find out later that they refused to honor their word.

    They backtracked and told me they don’t waive fees even one time, which directly contradicts what I was told earlier. I ended up paying the late fee and interest just to put an end to the mess. This kind of customer service—broken promises, lack of accountability, and rigid policies—is unacceptable. This has been by far the worst experience I’ve ever had with any credit card or financial institution. I would never recommend CFNA to anyone. Be cautious before signing up with them.

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      Reviewed July 3, 2025

      Applied for this card in Jan. 2025. Due to my old mailing address in their database, it didn't reach to me then I got address updated in Feb. Now it is July and I'm still waiting for the physical credit card to arrive. They have sent the card to me 3-4 times but it never reached to me. They always say, card would've lost and only resolution they provided is to re-send the card. Finally I got frustrated and asked them to close the account itself.

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      Price

      Reviewed July 3, 2025

      Got a card from these crooks! Started out good, Firestone card used for auto repairs. Paid regular payments on time. All of a sudden, they randomly tacked on an extra almost 200 in interest to make things worse, they randomly lowered my credit by 200, tanking my score. Looking at hiring an attorney to sue these con artist, predatory scammers.

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      Reviewed June 26, 2025

      This company charged me a 30.00 late fee because my automatic debit was ONE DOLLAR short. Then they Decrease your credit limit which effects your credit score, BTW this was the second time that they did this, so I closed the account.

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      Punctuality & SpeedStaff

      Reviewed June 21, 2025

      I felt compelled to share my experience with Credit First National Association because it was truly disheartening. Recently, I found myself in a very tough situation. I had just experienced the loss of my pregnancy, a deeply emotional time for me, and my father was undergoing open-heart surgery. I was overwhelmed with stress and grief, and when I missed a payment by just one day, I hoped to find some understanding from the company.

      When I reached out to explain my circumstances, I was met with a surprising lack of empathy. Instead of receiving support or even a sympathetic ear, I felt like my struggles were brushed aside. The representatives seemed more interested in enforcing strict policies than in understanding my situation or providing any kind of assistance.

      It was incredibly painful to feel that my personal hardships didn’t matter to them. I had hoped for compassion in a time of need, but instead, I was met with indifference. It left me feeling even more alone during an already difficult time. I would not recommend Credit First National Association to anyone looking for a financial partner who truly cares about their customers.

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      Customer ServicePricePunctuality & Speed

      Reviewed June 11, 2025

      CFNA site said minimum due; I paid more that what it stated. Got a call from CFNA saying account was delinquent two weeks later. I had all the payment dates and what was paid. The guy on the phone stated I should have looked at my statement; not what the site said was minimum due. They also charge ridiculous late fees that should be illegal.

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      Customer ServicePunctuality & Speed

      Reviewed June 7, 2025

      I got this card for purchasing and using it to buy a set of tires. Have made all payments on time and ahead of the due date. I have paid off the balance and thought the balance was at $0 balance and back to having the full credit limit. Went back to check there was a returned check fee of $30.00. And of course I called their customer service to inquire as to why that fee was there on the account. I made my payment online May 14, payment posted May 15. I have a check from a credit union out a stop payment on that check that was sent due to I made full payment online.

      Somehow Credit First used that check for payment and posted it to the account and we had a credit of over $2,000.00 dollars. Not sure how Credit First processed a check with a stop payment on it but they did. I even had a three way call with the credit union who issued the check and Credit First about this returned check fee. Credit First is a scammers dream of credit cards. This account is closed. DO NOT GET THIS CARD!!!

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      Customer ServicePrice

      Reviewed June 6, 2025

      The interest rates are outrageous. Seems like they keep tacking on more interest so you can't even pay off the balance. Loan sharking at its best with this company. Don't sign up for this card. The customer service needs improvement as well.

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      Sales & MarketingPrice

      Reviewed June 6, 2025

      Don't ever get CFNA!!! Biggest scam ever! I have just been screwed over. All my payments have been on time and now they charged me $154 in interest for no reason!!! I can't afford this and now I'm going to be behind on payments and my whole life is over now. About to lose everything because of cfna credit card. About to be homeless. Thanks cfna for putting me and my son in the grave of debt that we will never recover from. You just now made this family homeless.

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      Credit First National Association Company Information

      Company Name:
      Credit First National Association
      Website:
      www.cfna.com