Credit First National Association Reviews

They decrease your credit limit with no notification so that your account shows negative! I was approved for $1800 and all payments were made, one was two days late on accident and I paid the $30 late fee then login today shows approved credit is now only $1400, they tacked on the interest and I'm now marked to have a negative balance! Call and they can't give you any information. You have to wait for a letter in the mail! I would have never used this company if I knew they would be so scantless!

My wife is the major card holder Octobia **. I'm the authorized user Kevin **. I recently paid 1400 dollars and now hit with a big interest charge of 420.00 because of a 6mo promotion. We didn't sign up for any 6mo promotion and we've had the card over a year. This is robbery. Email address **.

I appreciated the ease of being able to transfer my unexpected $2500 car repair onto a credit card until it came time to pay it back. I did not receive notification of when my first payment was due or how to pay it until after a late fee was incurred, and they would not reverse the late fee. Then I learned they do not offer auto pay and so had to set up preapproved electronic withdrawals from my bank, but they were limited to how many they could set up at a time.

Initially, everything was satisfactory. (Love the zero interest for 6 months). However, there is no autopay option, and after I added a second payment account (since changing or removing payment accounts is not an option), they continued to withdraw payments from the incorrect account number. Before I realized it, I received a letter regarding a returned payment, even though both payment accounts had sufficient funds to cover my payment (I always ensure this due to past experiences). Consequently, I was charged a late fee once more. Additionally, they will NOT refund the late charge that was not my fault!

Never going to them again! Overpriced and kept pushing for me to get a credit card that kept charging me interest and late fees after they said it would be interest free so long as I paid the balance within 6 months. I called the credit card company and they were rude and wouldn’t waive the late fees even though there was NO communication that my payments were late. DON'T GET THE CREDIT CARD!!!!

The company's system did not provide notice that first payment was due. When they did provide notice for the second payment, it included a late fee that they claim can not be waived. This is a deceptive business practice. If you do use them, be sure to note the date of the first payment.

This company is absolutely awful. I've had it for years and maybe I get down a couple hundred. Not even that. I'm continually charged. A huge finance charge continually charged late fees which they will not take off. Any other company will work with you. Not this company. I'm trying to close it. Do you think they take off a couple late fees? No, they won't. Please do not use this company. They're horrible. They've never helped me with anything and don't even get me started about their AI with their fake keyboard typing into your phone.

I bought 4 tires with CFNA credit card. Total price was $527. I purchased them in February 2025. The offer said if paid in full within 6 months there would be no interest. The minimum payment was $29 a month. I paid $60 a month for the last 10 months and the balance is still over $ 300. This place is a rip off.

I recently opened a Firestone credit card against my better judgement to obtain a discount two tire purchases. I have been a lifelong customer of Firestone since the 1980s. I paid the first bill on time and then received a second bill with the full amount unpaid as well as late fees. I contacted CFNA and was told that "sometimes it takes 10 to 14 days" to process the payments. I then asked how they could charge late fees if the customer paid on time but the company took two weeks to process the payment. I then received a third bill with just the late fee and a "revolving fee" for a total of $36.53. I again called and the "revolving fee was removed but CFNA said I still owed a late fee of about $7.00. I cancelled the card and filed a complaint with the CFPB. Firestone is losing a customer of 40 years over $7.00. This company should be criminally investigated.

This is the worst credit card company out there. They cancel my card before they got breached. Tell me they will send out a card. They never sent it. Then I have to wait 30 more days to receive another. They wanted $25 to expedite it. Guy on the phone was rude. Terrible company. Will mostly cancel.

I would give ZERO Stars if I could. Their customer service is atrocious. It seems as though they want you to not use their credit card. The people they have working for them from top down all need to be replaced. Just read all the other reviews. Firestone and Bridgestone lost a loyal customer for life. Their one job is to build customers for life and instead, Firestone and Bridgestone lost a once loyal customer.

Very difficult to use credit card outside of Wheelworks due to "security restrictions," also difficult to make payment on the phone or by mail (allow 14 days). Asked three security questions including driver's license, amount of last credit card charge, to confirm identity. Bank payment was not allowed without supervisory approval.

I was charged a $29 late fee because I received my credit card after the due date and had no way to view my statement or make an online payment without the card number. On 11/12/2025, I called CFNA and was told the fee would be waived. It was not waived. To avoid another penalty, I paid the $29 on 12/03/2025. I then opened a dispute with my bank on 12/15/2025. The payment was somehow reversed, and CFNA is now calling me for the original $29 plus another $29 late fee and interest, totaling $60.

When I was looking for 1 tire shop, Firestone offered me a deal for 4 new ones with a discount to be applied later on and I took it. It took me a while to set up the credit card account with CFNA but they never honored it. Don't fall for their so-called good deals.

This company is the worst!!! They lie to you in the Firestone store about the promotional benefits, they are almost impossible to get on the phone, and add undisclosed fees. Automated system is horrible also. Stay away!!!

Wasn’t able to load checking account information on the phone app, then they scammed me for late fees. Waiting for so long on the rebate rewards seems like they don’t want to pay me. Called customer service and supervisor named Tricia did nothing.

I got some maintenance done on my vehicle, in which the Firestone cashier asked if I wanted to use my CFNA card. I told him I didn't have it with me and he said... no problem... you can still charge the amount to your card. I said fine just to use it to keep it active, so a charge of $160.49 was charged to the card on 11/10/25. It is now 12/03/25 and I am trying to payoff the balance. I tried paying it through the online system but nope won't take it and says there must be a statement balance. I tried using the phone payment system and nope, says I must have a statement balance. I tried calling and talking to a live person and nope they said I must have a statement balance to make a payment.

I called because I never received a statement in the mail. And accessed 2 late fees. Well due to the deaths of 5 family members, my head was not thinking about this bill. I was working when I called in and was on hold (Forever) waiting to speak with someone. Req a (sup) after speaking with a rep that asked me to verify my life. The. She repeated herself again. Was on hold waiting for a (sup) who placed me on hold she said for 3mins. But it ended up being 20mins back & forth. The customer service was absolutely terrible. Nothing that I called in to get accomplished got accomplished. I was trying to make a payment. But instead I was on hold for the duration of the call. Help me someone. I will pay this card off and try not to ever use it again. Goodbye

Poor product. Company is not willing to work with you. Replaced 2 batteries I got from them 6months ago. 2 different cars. Batteries died. Replace under warranty. Then all of a sudden I get a $60 bill that I didn’t get till it was due. Paid full balance as soon as I got bill. Now I have a late charge that’s basically the same amount as they surprised me with charge of batteries. Watch out for this company. I do not recommend them but if you have no other option sell your car before you bring it to Firestone and get their in house credit card. Rip off, Don’t care. Can’t even get live person on the line.

The worst company. It needs to be investigated by the OCC. It does customers bad a no d Senior citizens. They lie and send out deceptive to letters saying you bounced a payment and you check with your bank and they pull your statement and you paid CFNA and it never bounced a check.

Horrible credit card. So many complaints I cannot list them all!! From the sign up, it has been nothing but a mess. First, they would only accept the address on the driver's license, which is not my current address. They refused to change it unless I sent in a copy of my driver's license, which was ridiculous because it would not have solved the problem. So, they sent my credit card to the wrong address. I had to call to get the balance and after long house on the phone and getting rather annoyed, I was able to change my address. I told them I did not want paper bills, but they sent them anyway and charge $3.99 each bill.

Worst credit card EVER! Have to wait forever if one does want to pay before the due date. Made a purchase and statement due date still does not show purchase. Seems very questionable about having to use this card to get VA Tire offers. Terrible website and phone service as well.

I have been with CFNA for numerous year. In Oct 2020 during the Covid I couldn't pay. They wrote to the credit bureau that I had a late payment. I have tried 2 times to get rid of this they said it. Credit saint CFNA said the late payment is correct and accurate. I would never go with Credit First National Association. In Dec 2020 I became a 100% disabled Veteran. You can call me at **. We can talk before you even go with this bank.

Late fees, no support, financial trouble, no support, 2018, account open 2025, still trying to pay off and my highest balance was 2002 and change. I wish I would have known this company makes sure the interest and late fees keep customers in a spiked collar with no help from the cold and heartless customer support.

Tires Plus offered a $50 discount if I placed my service on a CFNA credit card. 16 days after purchase, I called to pay off the debt charges incurred. CFNA representative acknowledged the purchase but refused to accept my payment, saying I had to wait for the bill to arrive by mail. It did not arrive until 2 months later with late charges, interest, and a fee for getting a paper bill in the mail. Over $36 of charges that should never have been applied. This is a bait and switch credit card company and they charge over 30% interest on outstanding charges. Think: usury.

I have had this card with Firestone that is partnered with CNFA for a while and today was an experience I want to share in summary to help people identify what’s not okay. If a fraud report claim is no longer being worked on; notify the card holder; don’t go radio silent after that decision was made on your side. If a bill is re-activated after a conclusion was made from a message to where a customer is now responsible for the bill; you need to notify them instead of waiting for them to discover it themselves through them being charged a Late fee of $30 and interest; especially when the late fee was unwarranted from lack of communication in regards to this bill specifically.

Worst credit company I have ever had the displeasure to deal with. I have a over 800 credit score. They cut my credit limit by over half even though I had never been late on a payment or went over my limit. I got a very generic answer when I asked why. Then I received a letter saying because I had purchased a house over a year before they felt I was a risk even though I didn’t have a balance and have a excellent credit history stating they did not use your credit report to make their decision. They used a sophisticated algorithm to determine what your credit limit is so I applied for a credit card from a much more reputable bank. Got a way higher credit limit and much better interest rate so I am canceling the account and will never deal with them again.

They are taking two weeks to credit our account with the large payment we made. This is a way they can make money with other people's money. I can accept 3 maybe 4 days for the money to clear both account but 14 days what are they doing and as for accounting practices I believe that they are highly predatory. I would suggest if you are thinking about getting her this card don't and if you have it pay it off and get rid of it.

If I could negative stars I absolutely would. Horrible. Do not get this card!!!! Customer service no help, keeps putting you on hold with no solutions. I never received the credit card in mail so don’t have my account number and they wouldn’t give me my account number on phone. Unable to get access online because I don’t have account number. They just keep telling me I owe money and never sent any bill. Horrible, horrible!!!

A very un-supportive customer service, charges you high late payment fee and interest even when all payments were made on time. They calculate interests in a way to make customers pay higher interests on promotional balances and apply timely payments to revolving balances, thus tricking the customers into paying higher interests even when they are making payments on time. These are deceptive practices that are hidden within legal language and customer representatives are trained to keep repeating this without any intent to help.