Credit First National Association Reviews

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.

Horrible customer service - "beyond our capability". Grismer Tire Card by CFNA - bought tires on 8/12 (one day prior to my billing cycle ending), paid 1/4th of the balance on 9/9, was charged a late fee on 9/8, less than a month after the purchase. Tried to get customer service to understand that this was inappropriate and that the payment was initiated prior to their receiving and posting of the payment on 9/9. But because the system is automatic it's "beyond their capabilities" to wave a one time late fee for a customer in good standing (running on 10 + years). Will be canceling my account.

Horrible customer service. 1 hour 15 minutes, 5 reps, and not one said the same thing. Ask to speak to supervisor, and they hang up. Forget the fact that their English is rough at best, but their comprehension is worse.

I am never late on my payments. I paid it later in the evening on the due date but it would not post until following day so I was charged a late fee of 29. I called and, of course, got someone from another country who I could not understand so asked to speak to a supervisor. They refused to reverse and told me I did not pay it until after midnight, I tried to explain that I am not on Eastern time and it was before midnight so not late. I am paying the card off and will cancel it, so crazy for 29.00.

Don't do it, just pay up front or use a card where you can really get some points that are worth it. This card prays that you forget the 6 months is up, no heads up or warning that 0% is over, even just a common courtesy. When I went to pay it off and told them to cancel, the operator STILL tried to sell me a card, when I repeatedly told her not to and to cancel it she said I have to tell you this. What a robot human. The rewards are nothing valuable and then when I paid it off she literally said I can't email you a confirmation email that I paid it off. Talk about a waste of time and money, I should have at least paid with something that I got rewards with.

I requested new card because the cat decided to eat or try to eat it. It took almost 3.5 weeks with multiple calls asking where card is at. When I received card finally, I card and activated it. No problems there. Then use it 41.05 at gas station go to use it again, it's locked but not locked!!! Customer Service just says it's not locked, but I can't use because they have a "special" NOT A HOLD OR A LOCK! But a special security thing that will unlock when it unlocks. 24hours 72 hours 96 hours unk. Ask for supervisor they hang up or you're on hold. I am in good standing. Never missed a payment. I have plenty of money on card to use. Soooo why won't you let me use my card???? You want money for payment but I am not able to use card. 0 would be my score for Customer service. Terrible customer service. Do not get card.

CFNA is a predatory lender. Period. The "customer service" is non-existent. When you finally do talk to someone, they can't answer any questions. I asked to speak with a manager or someone who could look up the information and the woman hung up on me. They do not allow you to set up auto-pay. You have to manually pay it each month. I set up the payment and literally copied my bank routing number and pasted it in. I did the same for my account number. I double checked it was correct and went on my way. 2 weeks later I receive a letter in the mail that "My bank returned the payment". I've never heard it stated that way. So I contact my bank, read them the letter, and they told me, that's not possilbe. We don't pull back payments. So I check my online CFNA account and it has no record of the bank info they used at all.

They change policies with no communication, block accounts, refuse payments, demand cash payment at their store, etc. and I have been making extra payments to catch up .SMH.... You have made a mess out of everything, and all because I have been making extra payments and one was returned yet never been late on due date BUT now I will thanks to your refusal of payment online.

Besides all of the things that the others have said, in my case I am trying to pay the account off to get it off my credit. I need to talk to a person. There is no person. I tried the number again and now it is only speaking in Spanish. I wish their collection department would just call so that I can take care of this thing finally.

Cfna is the worst in the business. Customer service is non existent. If you get through, the representatives place you on hold and then don't ever come back. They are not interested in questions, resolving issues, or building a good customer base, but rather are more interested in charging and collecting fees. According to their own reps, they do not and will not remove fees, ever, even if they have made a mistake. That's their policy. Well, I surely do not want to do business with companies that hide behind policies that are not customer-friendly. When discussing my issue, the rep was like we "Gotcha!" Definitely will never recommend. And I closed my account.

If I could give plus zero stars I would. This company is by far the worst I have dealt with. I made an online payment on the due date (on time) but somehow the payment got scheduled to pay after the due date and I got charged a $30 late fee which they refused to remove, even though their website was at fault. Then after I called them and told them if it happens again, I will not pay another dime, and they lowered my credit limit by 1K. I think that's the funniest thing. If you can avoid this crooked company, I definitely would.

Horrible company. I will never use this card again. Just a bunch of scammers. They would not remove a late fee of 41 dollars despite only being a few hours late and telling them I just suffered a stroke, now they shall get nothing from me ever again. Why not try to work with your customers a little. What can it hurt you to try a little?

This is the worst customer service I have ever received. Or not received. When you ask to speak to a real person during the business week the automated service hangs up on you. If you call on Saturday, they tell you that customer service is closed. And at the beginning of your call, it tells you how their AI service has made your experience more enjoyable. You have no choice but to deal with the robot.

So I have a Firestone bank card from these guys. It has a zero balance. They send me an email asking me to fill out a survey for a $5 credit. I figured what the hell and did it. At the end of the survey they said I “don’t qualify for the reward”. After getting all my personal info in their “survey“. Stay away from these losers.

Save yourself the frustration and use any other vendor CFNA's customer service was unhelpful, unresponsive, and honestly just rude. I requested a supervisor and encountered scripted responses from the person. I was unable to escalate my issues and was experiencing long wait times to speak with a representative. I ended up cancelling my account and not dealing with this level of lack of customer service. They kept adding admin charges to my account and refused to remove them.

This company is ridiculous to do business with. I applied because I needed a car repair done and they gave me 0% interest for 6 months. I was never late on a payment and paid the card off in 2 months. My bank processed the payment fast and my available credit line was suppose to be adjusted immediately. What credit card company do you know that tells you that your full available credit will be available in 2 weeks?! I'll wait... No Credit card company. I always have my full credit available to me within 24 hours of payment with other companies. I had an appointment later in the week to do another car repair and wanted to utilize the 0% once more and was not able to do that. I am closing this account and going with another company. They lied and told me my bank didn't process the payment yet when in fact they did and I verified it with my bank even though I knew they did. I have an awesome bank. Beware if you apply for this card

As a new customer, I was not familiar with their billing systems and incurred a $30 late fee. I contacted customer service who told me it's not within their parameters to reverse late fees. This for a new customer with an outstanding credit score. It's a bunch of BS to me. I will pay off the card today and never use it again. Sorry CFNA that you care more about your bottom line than your customers.

The worst credit card company I’ve worked with. My card expired back in March 2025; I hadn’t updated my address on file since I moved so it made sense that I hadn’t received it. I called and gave them the new address but I haven’t received my new card and it’s July 2025. Every time I called, I got the runaround about the number of days the card would take to get to me just for me to call last month and find out that they didn’t send it to the right address. I just called today and the woman told me that the process was put in two days ago when I had actually called a month ago about the card. She also had an attitude about the whole process. I have a Visa card and the last time I moved before the card got to me, the woman canceled the card and I had a new one within two weeks!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Opened new card with Firestone purchase. Within the SAME billing cycle, I get my first statement already with a LATE FEE... Only THREE WEEKS after my first purchase. This is not how credit cards work. I paid the balance immediately and canceled the card. Hopefully that is the end of it. Do NOT get the Firestone Credit Card. I didn't know. Pass it on.