Credit First National Association Reviews

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.

I’ve had this card since 2011, and made literally 3 purchases. I accidentally missed a 28.00 payment, and they dropped my credit limit from 7,000 to 2,000. And had the nerve to say to me that’s it’s out of their control, and they don’t set the limits😳. Sounds ridiculous. They reported my payment and my score went down 50 POINTS. I WAS DEVASTATED!! This company is no good. I would not recommend them to ANYBODY!!

I wish I had read these reviews before opening this card! All the same things are happening to me. I opened the card for a purchase of $1212.40 with 0% interest for 6 months. I immediately carefully scheduled payments for the next 6 months so the card would be paid in full by the promotional period end date of 3/23/25. They received my last payment on 3/14/25. Little did I know, they were charging me a $3.99 per month "paper statement fee." I did not ask for paper statements. Apparently they were applying my payments to this $3.99 fee each month, so at the end I had a balance of $11.97 and since that was not paid in full they charged me interest on the full, initial amount, over $150. This is very sneaky and sleazy and I told them I would pay the $11.97 but would never pay the interest. They can do whatever they want, I will not pay it. I'm sure my credit will take a hit.

I have had my CFNA Firestone card for over 20 years. I use the car once about once a month because we have three cars. I have always been able to pay my balance in full so I don’t carry a balance. I went in to pay my balance. The option to pay the balance in full was no longer an option which included a paper fee. Because I could only pay the last statement balance which didn’t include the recent paper fee, I received a late fee the following month. I am use to paying the full balance so I didn’t think about making a payment the following month. I don’t have any other cards that will not allow me to pay the full balance. I can’t believe after all these years, the company is being shady to take people's money. It’s disheartening that now I will be cancelled this card. They are going to hurt Firestone customers.

I believe CFNA is a fraud bank and the authorities must take steps toward this bank. My score went down because of the lie and dishonest with the me as a customer. You never get what you want through the call. My daughter closed this card so do I. I really advise anyone to stay away from this bank and it should be closed from the government

SCAM ALERT. 🚨 I've had this card for like 15 years. They changed The rules now so the customer gets burned and they get rich. I should've never agreed to their contract. This is a terrible card / company. They jack up the interest rate to 34% after you've been with them. Never paid late once in all these years. Always on time. They don't offer auto pay. You're only allowed to pay on the exact day. Now that you owe your balance and if you don't pay you'll have a blemish on your credit, They give you a $30 late fee and interest on top. Do not sign their contract. This is basically a scam!!

Like others on this site, I only signed up for this card to purchase tires with a 6 month 0% finance special. A subsequent purchase on a car repair was less than the minimum to apply the same special and would have exceeded my credit limit. I paid the balance and made minimum payments as required by the 0% rate terms, but I was still charged late fees and interest for consecutive months. This company doesn’t permit automatic payments and refuses to reverse late fees even when they are responsible for the error. BUYER BEWARE! There so many other credit options with more reputable companies to be cheated by CFNA.

Card never goes through. Customer service says call fraud. You call fraud to approve the purchase. They say it’s good to go then it continues to decline. Call fraud back they say call customer service. Customer service says they can’t do anything. That it is Mastercard blocking the purchase. Completely useless card and no way to resolve issues. Supervisor couldn’t even help. Avoid this card and bank at all costs.

Poor people can't afford to use this card. You pay $50 only 10 is paid on amount. The fees are ridiculous. I had a pay off amount and they are trying to charge me another forty dollars. I will not pay.

The worst customer service I have ever had to deal with there were two people that were able to help me with my issue. I was sent to a survey while trying to explain my situation so needless to say it was not a 5 star survey then I was put on hold and hung up on. Just awful customer service. I have spent thousands of dollars on their card. Time to pay it off and give someone else my money.

What type of credit card are you issuing that you are taking people’s personal information, dropping their credit score for a card that does not work? The representatives had no clue what’s going on or have a resolution to the problem except “let it cool off for a couple days”. No exact reasoning for the problem or solution. And the sarcasm remark to use another payment method. Do not concern yourself with my other payment methods if I’m asking you about your company! I have worked for many credit companies and have never heard such things! It’s unprofessional and I feel deeply disregarded with no issues solved. I don’t recommend anyone use this card EVER! And I reported this to the BBB because this needs to be investigated further. False advertising with no resolutions to the customers problem.

If I could rate 0 stars I would. The absolute worst customer service experience I've ever had. I bought tires through Firestone and signed up for the card to make payments over time. Well they never sent the first card in the mail, so I called them. They acted like it was my fault that I never got the card. Then they tell me they're sending a new one, and that it can take UP TO 30 days to get here. You can't access any information or see any numbers online without a card. 30 days rolls around and still no card, I call again and ask what's going on, they tell me that it should be in transit in a couple days. This was only about a week before my payment was due. It didn't show up until 3 days after my payment was due and they charged me a late fee. I tried to call them to get the late fee reversed and after arguing for about half an hour they offered me a $15 credit, well below the $41 late fee. I don't see how its the customer's fault that their mail system couldn't seem to send a piece of plastic after 3 months. I'm never recommending this company to anyone and will actively try to keep people away from it.

Every purchase you make gets flagged for fraud!!!! Just used my card since getting it back in months and 3rd purchase fraud🙄🙄. I hate this card and their customer service!!!! Nothing like being stuck over the road as a driver and your card gets locked🤬🤬🤬 or any app you use this card on gets locked for fraud🤬🤬🤬. SCAM company.

I don't recommend this credit card company. They are charging a 3.99 per month fee for getting a paper statement and never notified me of this. I tried to go online to fix this but since I have misplaced my card I couldn't sign up for online access. I called to get the account number from the credit card company and they refused to give it to me. So with no way to fix the this I paid of the balance that I was suppose to get 6 months free financing on and closed the account. Have to say this was one of the worst customer service experiences I have ever had with a credit card company.

I called Monday morning and told a CFNA supervisor to put in their notes that I would pay my past balance on or before Friday. Then, on Wednesday at 6 p.m., I got a call from a call center outside the U.S. wanting payment.. I said, "Look at the notes." The man refused and further harassed me, refusing to stop until I hung up the phone. Come Friday, I paid the past due balance, then ten minutes later, I received another call from outside the U.S, a man wanting payment, saying I owed a past due balance. I explained I just made that payment, but he says it's not showing up in our system. I got a confirmation number, I told him, and it is showing on my online bank statement. Then he says, "Oh, I see it now. It Just came through." I told him, "Please stop harassing me."

This Company will apply Arbitrary rate increases despite having never missing a payment. And when asked, refused to lower 34.99 rate even in hardship cases. Their response was that they aligned with other auto credit cards, therefore will not make any adjustments, not even in hardship.

This is the absolute worst credit card company I have EVER dealt with. CFNA's website will NOT allow customers to make easy and necessary changes, such as updating an email or enrolling in paperless billing. CFNA fails to send monthly paper statements, then adds ridiculous late fees. I was "disconnected" by 4 separate customer service representatives. DO NOT open a credit card with this company!!!!

The worst credit card company!!! I literally just got into a screaming match with the fraud dept supervisor. So tacky and unprofessional. I've spoke to 4 people in less than 24 hours and they all were terrible. I tried to update my address and they told me my ID was invalid. My ID that expires in 2030. Give me a break. I told them I was gonna sue but it's not even worth it, I'm done with this company.

I signed up for this account, they sent the card to the wrong address. I needed the card number to setup an online account to pay the card. They assessed a late fee when I didn't even have the card yet or the info needed to pay the card. They kept calling, and i was required to give my checking account over the phone to pay the card, which was super sketchy. I will be canceling as soon as I can set up the online account to find my statement I am done with this nonsense.

Avoid using them at all costs!!! Their customer service is a complete joke. If you need something, good luck! I called, spoke to four people in different departments, and none could help. I was told to email. So I emailed, and three weeks later, I got a response that had absolutely nothing to do with what I sent. I called a different number, which also told me they couldn't help but to email a different email address. So, I did. Two and a half weeks later, I received an email today stating that they can't help. What I need is very simple and would take someone literally less than two minutes to do. They are seriously incompetent.

Trying to pay off remaining balance on My mobile app. App claims it sent a code to my email code is either incorrect or nonexistent. They have high interest. And charge a high fee for phone payments.

Raised my minimum payment without notifying me and then charged me $33.00 late payment for paying $4.00 less than the new minimum payment. Called to get late fee waived and they refused... Said it wasn't in their operating parameters to waive fees.

The fact that the charge for monthly statements is a bad sign. Customer service is OK but they will not waive fees at all, so there are much better options in the market so stay away from this one. I only opened due to a flat tired during a trip and they offered this card.

2nd paper fees assessed, was told would be waived by recovery which was not the case. I've been a long time account holder (which converted to Mastercard not by choice) and could not get any further assistance.

Wish there was a ZERO star option. Their customer service is completely lacking and unwilling to help. They operate their company as if it was still the early nineties. I strongly recommend that you keep looking for other options and not get this cards, you WILL regret opening an account.

If I could give 0 stars I would! It has been almost a month since I applied and used my card. I have yet to receive my physical card in the mail. I called twice to try to speak to someone. Finally get a human and she says I have to wait 2 more days and call back that it can take at least a month to get. However the email says 10 days. I have a payment due and no account number or anything. She said I can bring cash to the tires plus to pay my bill. I also wanted to update not my physical but my mailing address to a PO BOX for further statements and etc. She informed me I could not do that unless I emailed in to the fraud department with I am guessing my social included because I STILL DO NOT have my account number or card.

If you have this card cancel it immediately. They charge me an illegal charge of 3.99 every month for the last 5 months. They will not reverse them even after me telling them I did not receive any notice of this charge for paper bills, and it was illegal. I have canceled my card and will pay them off minus the illegal charges. Do not do business with these crooks.

Have had this account almost 10 years and never had an issue. I made a purchase on 9/11/25 and always do the 6 mos no interest pay off. Went to make a payment and noticed $7.98 was charged to it. It says the charges were fo 2 - $3.99 for Paper statement fee. I've never been charged for a paper statement. So I checked the bill and did not see anything stating I was going to be charged for a paper statement. Called customer service and spoke with someone stating that on 9/5/25 notices went out going over this and I knew about it. I let them know I did not receive notice of it or I would've definitely not called to speak with them. I asked for the fees to be removed as I was not notified nor was it on the bill as a reminder or anything and I was met with we will remove one but that's it as we are only allowed to remove one for the lifetime of the account.

Not worth it. My total is a little over $500 9 months later, paying more than minimum day due and I still owe $386! Absolutely ridiculous, do NOT get this card. APR is crazy high. Also what they charge at Firestone is high period.

On what was advertised as a complimentary 6-month payment plan, I was charged $25.38 extra on my first month billing statement for “paper notification.” Customer Service was unwilling to remove this fee.

Every month they fail to charge my card for my monthly payment. They say the payment failed. I’ve tried bank accounts and debit cards. Each month after this happens I must call them to make my payment which means waiting on hold sometimes for an hour.

CFNA are straight up thieves. I went against my gut feeling and got the card through Firestone but it was the worst decision ever. My first payment had to be made over the phone because of an address mix up. I tried multiple times trying to pay more than the minimum and it would not go through until I decided to pay the minimum. Second payment through the app went through fine but the third payment? Conveniently, I see the message, “Our system is currently unavailable. Please contact customer service for assistance.” I call in to make the payment, the automated system keeps failing. Tried getting through to an agent but failed again. CFNA clearly did not want their money but gladly charged me a late fee. This company/bank is a racket. I would not encourage anyone to do business with them.

Let me start by saying I believe Goodyear also offers a credit card that’s similar to this. Maybe they’ll be better because This is the worst bank I’ve ever had to deal with. I had a returned auto payments about a year ago. Normally, if something like that happens, then I get a call or a text and then I go in and I make a payment and that’s the end of it. I’ve had all of my other accounts for years and years, and sometimes the money is not there, but it’s not a problem when I go pay it immediately when I find out that it didn’t go through. But that is not how it works with these people. Apparently they quit taking payments from me after I had one returned payment. I’ve been unable to use them.

This is without a doubt the worst company I have ever dealt with. I have had stellar credit for years and I take it very seriously. In November I had car issues - bill was approx 976 before the holidays - why don't you take out a card - 6 mo no interest if you pay it off. Sure ok. BIG MISTAKE - made the first installment - (you can't even pay them electronically from your bank - only checks) they claimed they received it late and slapped on a 29.00 late fee. I asked if they would waive the fee as a courtesy and they told me to email them and they would consider it -

CFNA Bank is the absolutely WORST BANK that I have ever dealt with. Their telephone customer service is not polite, and when I finally got to a supervisor that was even worse. I HIGHLY RECOMMEND THAT YOU NEVER USE THIS ORGANIZATION. If there was a rating of zero (0) stars, this is what I would rate this place.

This is the absolute WORST credit card. I speak to them on the phone and they say you can schedule up to 6 payments and so I schedule 1 payment to pay off the $68 charge for an oil change yet it does not process before the due date and suddenly I have $29 late fee and $2 interest payment so for a $68 charge they want me to pay $99. I call them to dispute it and they ask when did I call them. I tell them, "You recorded the call I didn't so look at your records." They say they cannot waive late fees or interest. They refuse to put a supervisor on the phone. I have stellar credit and CFNA is trying to create a blemish on my account. We should have a class action lawsuit if any lawyer is willing to take the case.

I have had numerous credit cards over the years, many of which have been open for well over a decade. I used to copyedit for a consumer financial education company. So I'm very well versed in what is normal and what isn't. This company is by far the worst, most shameless entity I have ever encountered in the seemingly "traditional" credit/lending market (e.g. not predatory). The problem is, the way they do business IS predatory. First, like others I got hooked into the credit card via a small Firestone offer. I should clearly never have bothered given what was to come. After paying off that first and only charge in 2023, I later got an ad in ~Spring 2024 alerting me that if I did an oil change by Oct 26, 2024 that I'd get a $50 statement credit. I kept the card safe and took the car in -- early in fact, as it wasn't due yet -- for the oil change. It was not/not a convenient time to do it, but I wanted to use the offer.

The absolute worst credit card and customer service. They change minimum payment amount due and assess late fees at their pleasure even when an automatic payment is set up with them, then start harassing collections calls. Yet it is impossible to get customer service rep on the line when you need them.

I have tried for 2 days without accomplishing anything! Requested each time a call back! Never received a callback! Went to chat and got a email “someone will contact you soon”, left another chat! Will a callback be in 2025

You can tell Credit First National Association the bank account you want to use for making your payments, and you think that is it. If you are not paying close enough attention, you assume Credit First National Association will now automatically draft the money every time the due date roles around, like any of your other online accounts. But they do not. Plus there is no way to manually set up the order for automatic payments. They are just sitting there waiting to charge late fees for anyone who forgets to pay manually by the due date. It is a shame that Firestone elects to use the services of Credit First National Association, and so I am now reconsidering my relationship with them as well.

Predatory practices, admits to practicing fraud, extremely rude, illegal practices. Won't give me my own information they used to open the card, but says it's my debt despite the fact I never owned the car they claim it was used on. A manager laughed when I mentioned I might be homeless because of them soon. Have contacted legal authorities to intervene.

Dealing with CFNA is the worst credit experience ever. I bought 2 tires from Firestone and the salesperson said I would get 10% off by opening a Firestone credit card. The card says Firestone but it's really CFNA and CFNA never sent me a bill. I called many times to verify and they kept telling me that they sent me a bill. However, I never received one. During this time they added late fees far exceeding any savings and caused my credit score to drop from 820 to 625. Firestone has lost a customer of over 20 years and I will never do business with Firestone or the thieves at CFNA.

I had the card just over a year. I pay monthly, and make a little more than the normal. I made one late payment by two days. $40 fee assessed and now they keep lowering me and now have lowered me to $600.00 in credit. However, I went in there today to make a payment and it is says my credit is $600, my balance is $532 and $0 to use. How that can be? How can I have zero dollars to use when my balance is lower than my limit? That tells me they are going to lower my credit limit again. They have taken away almost half my credit. I am going to now make the min payments every month because of them removing my credit. They can now wait instead of me paying it off early. When you call, no one has an American accent and they cannot tell you anything. I could've gotten and should have gotten a different auto card.

Every time I have called the customer service number, I have heard that there are 50-100 callers ahead of me. Right there that tells me there are not enough resources. After waiting for ten minutes, the system finally gives me a chance to leave my number for a callback in an hour. Twice I never got the call. I finally got a call back the third time I left my number and the customer service agent mumbled. He was very difficult to understand.

I have excellent credit, only use this card because I go to Firestone. Company does not respond to email, forces you to call customer service. Recently charged 3.99 for paper fee and was never advised it was my last payment on a 6-month offer. Forced to pay 3.99 so credit wasn’t ruined!!!!!! Will not use this card again, which means I won’t go to Firestone who I like!

I bought some tires from Firestone and financed them. Never received a bill so I called the 833-402-1481 number Firestone gave me. It was a 2 hour hold time. They refused to give me my account number to set up my personal bill pay then charged me a late fee. Avoid CFNA and Firestone like the plague. They are truly the worst.

Firestone credit card charges $3.99 for printed statements. Over 10 minute hold to talk to someone when calling in to their credit card. No autopay offered requiring each transaction to be manually paid or setting up payments. Since all other credit cards allow for autopay you could accidently forget to pay it as it has to be manually paid or to set up payments. So when you make a purchase, you have to go in and pay it or set up payments as there is no autopay.

Since March 2023. CFNA said they would send me a card. As of this date December 2024, still no card. They will not give you your account number so you can pay on-line. So now they want you to pay for paper statements. This company changes the last four numbers of my account when they say they are mailing a new card. I never received THE CARDS.

If I could negative stars I would. I have had a CFNA with Tires Plus for years and apparently missed one $29 payment and have been continually called and harassed over this payment when I spoke to one representative and told them I would resolve the payment. When I checked my informed USPS delivery they also sent me a letter. ALL THIS OVER FIRST TIME MISSED PAYMENT OF $29.

My bank account was compromised. I called CFNA to let them know my payment would be a little late. I made a payment long before I was 30 days late… They dropped my credit limit from $3500 to $1600. This hurts my credit rating!! A manager, yesterday said they would raise my credit limit when I make a payment. So I made my payment. Today a manager said that won’t happen. Nothing but issues from the very beginning. I never received a credit card. Now a year later they want me to renew it?!?! Renew what?!?! Also, instead of combining my 4 tires into one purchase they charged interest on two separate purchases, etc. I’m a senior veteran and have been so disrespected by this company!!

I just got off the phone with a rep. I was questioning why my minimum monthly payment for December increased when my balance decreased by $96.63. My minimum monthly payment for October was $116. My balance decreased $49.10 from October to November. My minimum payment for November was $114. My balance decreased $96.63 from November to December but my minimun payment increased to $141! This makes no sense to me! The rep just kept telling me the calculation they use. I haven't made any additional purchases so my minimum monthly payment should be at least a few dollars less for December, not $27 more. I've had other issues with CFNA. I wouldn't recommend them to anyone.

You cannot connect with this bank on weekends, no one answers the phone! CFNA basically threatened me to go paperless if I did not CFNA would charge me $3.99 to $5.99 for every payment. So I signed up for paperless. A lot of good that did. Without a paper statement I have no reminder. (I am 64, paid by mail all of my life, checks were cheap, postage was cheap). So today, a Saturday, I attempted to make a payment online. Well, my username was not correct, (turns out is was correct) the "difficult" password their site issued was not correct. So I became LOCKED OUT of my account for too many attempts to log in. So I call to make a payment and I will not go into that because I could almost write a book about that experience alone.

I have a Negative balance that is growing monthly, as I cannot cancel the recurring payments. Have emailed customer support on Nov 16th, and Was promised a follow up on the email, but nothing. Repeated phone calls to CFNA are just on hold marathons.

I have spent month-after-month trying to access my online account. Tonight, I decided to take the time to call customer service and get this resolved. It took 4 phone calls. I had a new card issued months ago that I did not activate because I had not planned on using the card again. So over several months since receiving the new card, my previous access to the online account was not permitted. I was past due (by 10 days) and when I tried to "set up account" it still would not allow, nor would it even allow me to activate the new card online.

I should have known better. No auto pay setup available. You can’t pay your entire balance at one time. They are totally looking to watch you stumble and pay the outrageous interest rate. When I wanted to use the card for a large payment well below my credit limit it was declined. When I verified it was not fraudulent I was told it didn’t matter. The card could not be used for the transaction. I cancelled the card!!

I opened an account at Firestone. The manager kept pushing it, so I gave in. Never received my card. I’ve been on the phone for two weeks an hour each time, trying to figure out why I haven’t received anything. And when you call it asks for your account number to even get to the next menu. I finally went into the store since I was worried my payment due date was nearing and I still had no card or account number to set up autopay online. The employee called from one of the Firestone phones and it still took over 30 minutes to answer, only to be told I need my account number from the card to set up a online account, and pay my bill… ummm that’s exactly why I was calling.

I would give 0 stars if I could. I opened the card to save money at the tire store. Only used it that once. Paid off the bill 8 days late. Never thought about it again. Then 2 months later I get a phone call that I have an $89 bill due. All late charges. The original bill was only $53. Total scam.

I agree with someone else that posted. This company, is a scam. I had an account, was making payments. They closed my account, charged it off with no notice. Never told me charged it off. I continued to make payments. Then I paid the account off so I could use the card, but no.... they don't tell you, they closed your accounts. O, you can continue to make payments and they can get money....

This is literally the worst banking company. I was put on a hardship plan to pay off my card and told that I would not be paying late fees if I made my minimum payments. They did not tell me the proper date to pay and after paying 3 months of payments I am somehow owing more than I started when I started the payment plan. They charge $40 late fees on top of $6 surcharge interest fees. So even though my minimum payment was $27 I am now in a deficit of around $80. They said there is nothing they can do to help me because they gave me incorrect information when starting my hardship plan. I was in a medical facility for 6 months which is why all this started. Their employees are uneducated, unhelpful, and uncaring. I will never use any of their services for any business again and I hope no one else does either. This was for a Firestone credit card.

Do not let them talk you into getting a CFNA card, whether it's A promotion or not, they will charge you 6 to 8 months Interest on one billing cycle at the end of promotion. They will report you as late to the credit bureau if you are one day late... Considering I never received an invoice, could not make the payment and I was one a day late. If I could give them 0 I would give them a 0 rating. Customer service is everything!

I am a responsible consumer, who doesn't carry credit card balances and I typically only have 2 credit cards. However, since my local Firestone branch is often my go to place for car maintenance, I finally decided to open a Firestone credit card since they offer 6 months of interest free financing. However, I've had nothing but problems with this card. They charge $6 per month to receive paper billing statements which is a rip off. I didn't receive an email statement the first month I had the card so I got charged $29 late fee, which they waived as a "1 time courtesy". Last month I also didn't receive an email statement so I was charged the late fee again, which they refuse to waive even though I paid the balance in full. I'm so done with this company.

Scam company. They charge you $6 just for sending you your bill. Whole bunch of other scams they pull. They don't answer their phones and when you call it says that there are 364 people ahead of you. Then, if you do hold for an hour, they just pick up and hang up. Avoid this company at all costs.

I have a number of credit cards, and always pay them a day or two early and have not incurred late fees for the past 10 years. I used a CFNA credit card for a purchase at Firestone and paid the invoice over six months. I paid the monthly invoices 2 to 3 days before the due date but CF in a created circumstances whereby the last payment was reportedly late. I attempted to contact firestone management, but was referred to Bridgestone, and never got a reply. Interestingly CFNA has engaged a collection agency that is very aggressive and expert at gathering funds that have been erroneously created.

I received a letter in the mail regarding changes in terms to my CFNA credit card with ZERO reference to what company’s credit card it pertains to! Don’t you think that is an important piece of information to include?

I would rate them with negative stars if possible. I had a replacement card that I never received, and therefore never signed. When I got my monthly statement, there were charges of about $800. Fought them for 2 years with even their own customer service agents stating I shouldn't have to pay those bogus charges! Then, they put me into collection stating that they disagreed that the card was opened fraudulently. I never claimed that - just that the cards from that month were fraudulent! Mental giants!!! If your retailer uses them, do not sign!!! BEWARE!!!

This is the first credit card company I have found with lower than average customer service and archaic policies. It's clear they are all about collecting fees for bogus reasons from people who always pay their bills to avoid interest charges. I've received 2 late fees in regard to payments that arrived in their city days before the due date of the bill, but never get posted until over 13 days later? I was told they process the payments when received, but when I researched the payments through my bill pay service they are confirming the payment was made on time, but CFNA would rather charge bogus late fees and process the payment weeks later...Another red flag was how they said they don't reimburse any late fees, but would give me 50% back one time as a courtesy, that's no courtesy, it's a blatant ripoff!!

My address was entered incorrectly upon signing up. I called about 1.5 months after not receiving a statement or my card. I was asked for my full social security number and told they couldn't help me without it. I called the next day, spoke to someone who helped me update my address. Attempted to make a payment in person at 2 different locations before a 3rd had an employee who could help. We had to call in to unlock my account, they locked in when I changed my address over a month before this. I was told my card would take 6 business days, then 6 business weeks and on 9/6 I was told they never reordered my card, and she would do it for me now. I should have it in 5-7 business days. I was also told that they have been calling me for payment, but I’ve never received a voicemail or any notifications. Every time I speak to someone, they lie about something. My worst experience with any company. Do not do business with them, you’ll regret it.

This company is absolutely horrible. We've been paying our bills directly from our bank with bill pay with my current address and you guys have been accepting our payments faithfully. We didn't call in to change our address because we were already at this address when I applied for this card. We even got bills from you guys at this current address on file. This company has blocked access for me to make payments on their website and demanding that I send a copy of my driver's license. So, why would you guys need a copy of my license? It sounds like fraud to me. If I continue to not have online access to my bills, you guys will not get paid and if I see it on my credit, I will report this company and go after this company for damages. This is absolutely ridiculous!!! I will be contacting your corporate office!!!

I attempted to make a payment on-line as the payment due date stated 9-15-24. My balance clearly showed on my account. The website did not allow me to make a payment so I called customer service. After being on hold 14 minutes they indicated the due date on my account was not correct and it would be updated to show 10-15-24 not 9-15-24. I asked them to just take the payment and I wanted to pay the balance due. They indicated I could not make a payment until the statement updated and yes if it wasn't updated, I could be issued a late fee. This is a scam card, and I will be closing the account.

Do not use CFNA, EVER! Very shady, bordering on criminal business practices. They send you bill 5 days "After" your due date. Then charge a $29.00 late fee. They said that's in their agreement. Crooked!

I had to beg them multiple times to even send me a card. They never sent me a bill, then sent me to collections, then when I called and tried to pay they gave me the runaround and transferred me a bunch of times. How was I supposed to know who/when/how to pay without ANY information?? I even sent a message to the CEO Brian Zempel and he did nothing. He knowingly has allowed this to happen to people. How can anyone be okay with this type of predatory behavior? How does this man sleep at night knowing he and the company he leads have hurt thousands of American families? Absolutely disgusting, immoral, unethical behavior.

This is a scam. Do not sign up for CFNA because the promo is misleading, customer service is terrible, and policy is inconsistent. I applied in April 2024 and now it's mid-August 2024 already. I have not received my actual card yet, so it has caused a lot of inconveniences making payments, finding my account at Firestone, and applying the promotion. Customer representatives are unfortunately not that knowledgeable and professional when you convey your account issues. The recent call I had was with Customer Representative Ivan, under Manager Travian (TH2). They were not able to help me, and I have been encountering the same response of "We will reprint your card."

I have been an exclusive Firestone customer for the past 30+ years. All tires, brake service, general maintenance, etc..... I have never had a Firestone credit care before. I decided to opened a credit card with them, because of the discount of the price of the services, to have brakes redone and other work ($800). Unfortunately I did not received my statement or card until several months later. They do not offer any type of automatic payment options which I always use to make payments so not to worry about missing a payment or being late. They are responsible for the only late payments on my credit history as a 58 year old man.

Charged me a $30 late fee. My son just passed away. They do not allow you to schedule payments on their website or app. I called and they had to do it on their end. Set up 6 monthly payments over 6 months to pay off balance. I will not be using their card anymore.

Do not, under any circumstances, open a CFNA account. Terrible company. Terrible customer service. I have 2 different payment due dates for 2 different values for the 2 times I used this card at Honda. $40 late fee, 0-day grace period, even within 24 hours because of their own technical issues. There are always technical issues and they don't consider this a "legitimate excuse". Please find another way to make your payments. I didn't even have these kinds of issues with Synchrony, and I thought they were bad. CFNA is the worst credit card I have ever had and I feel stuck and in distress because of them, like I will never get out of their tight grip on me.

I am Extremely not happy with CFNA: Credit First National Association. I have a Firestone CFNA credit card and they have been charging me late fees like $40 when I pay my bill on time as in either the due date or 1,2, 3, or 4 days BEFORE the due date. I was not paying attention to the details of the Bill each month. They came in, I would just go pay it in person with cash, but I noticed my Bill Balance not going down like it should, so one day I looked at my Bill details and some past ones and noticed all the late fees. I called the Customer help number on the back of the card numerous times and the CFNA staff people did not help me they just kept saying it was Firestone's fault. I even asked for a Supervisor and the person would say "I am the Supervisor".

Started off aggressively calling me even as I made on time payments for a year plus. I missed one payment due to a death in the family and my credit score dropped so much so can not buy a house. tried to receive one late payment forgiveness and it was decline, they refuse to offer SCRA military benefits and have not updated my credit to reflect the payment made at all.

They get you to sign up for their card if you are slightly late they charge you up 800% in late fees and 400 % in interest. This is a bad business model and something should be done about them. I am happy to join a class action Lawsuit against them! I regret taking this card.

Worst credit card company ever. First they lose my payment during the Microsoft hack. Then charge me a bounced check fee 'cause their app won't take my banking info for some reason but have no problem making a phone payment for 4.95. Didn't need this card to begin with and after all the headache I closed the account. Save yourself the hassle and don't get this card.

I have always had a Firestone card and have never missed a payment. During COVID, I couldn’t get an appointment to get my oil changed no matter what, so my card was closed due to not using it. Recently, I reopened the card to get tires and an oil change ($1200), but have never received my card, nor have I been given my account number EVER. It’s like they’re out to ruin your credit just to make late fees. I’ve tried multiple times to make my payments over the automated line and the system is down every time. There’s legitimately zero winning with this company. I will transfer this balance and absolutely never get this card again. As a matter of fact I think I’m going to file a lawsuit on this company. They are the single reason my credit dropped over 100 points! People beware!

This is the worst experience I've ever had. Apparent I somehow missed a payment and so I tried to pay it today and it won't let me. They called me and harassed me for a month. And they aren't nice. I have to call them tomorrow now and see if I can't understand why despite making a payment it says no pending payments. The second this card is paid off I'm closing the account and burning it.

If I could give a 0 I would. Worst credit card place ever. I still haven’t received my card. They don't even know what their fees are if you're late making a payment. I couldn’t make the payment due to me not having my card. They gave every reason why I couldn't pay over the phone. If I did it would be a 4.95 charge. Once I get it I will be cancelling. I don't need that negativity.

The customer service staff is rude and incapacitated. They do not have the correct knowledge on the company's policy. The wait time to speak with a supervisor is absurd, on top of it all the supervisor was unable to help solve any problem with a customer's account. Yes, they got upset if you make early payments, and you have to wait 30 days before your payment can be posted. Worst company ever. PS: One agent picked up the phone and hung up, not a way to treat your customers.

They keep sending me the bills but have not sent the credit card since I applied in February. I have called 3 times already and they had confirmed they are going to send long time ago. Today they say there is a hold and even after providing full social security number and driver license, they can't remove the hold. Going to cancel my credit card.

This credit card company does not want you to pay ahead or pay off early especially if using the app to make payments. They only you want to make minimum payments so they can make the most out of charging you interest. I have NEVER had a credit card (Chase, Capital One, ANY...) that does not let you pay ahead or more than the minimum amount due. When you call customer service, they will only read off of cue cards and don't know how to help you or work outside of the box to get done what you want to get done. They either hang up on you or put you on hold forever. They don't like to schedule payments ahead of time, so they tell you they have to get a "supervisor", and then you have to listen to him/her read from cue cards.

This card is basically a scam. They say things are your fault, and charge you a late fee even if you pay ahead of time. They don't offer courtesy removal of fees because they don't care about keeping you as a customer, they just want to try and squeeze as much money out of you as possible before you leave. Because you will leave. Their rewards system is also trash, because you cannot apply the amount of your awards to your balance, you have to make a /new/ purchase, and that /new/ purchase can only be at one of the auto shops they support and ONLY THEN will your rewards be applied as a balance credit to your card. Theoretically. I've never actually had this happen. Either way, DO NOT GET THIS CARD. I think I'd recommend Credit One before this card, and that's sad.

Getting setup for CFNA was super simple and I didn't think much of it at the time. Boy was that stupid and yeah I've been burned since then. Because my life got busy I missed a couple of payments however after finally getting a hold of customer service (that takes forever) I apologized for missing it then asked to setup an autopayment so the account will be paid on time and I wouldn't have to worry about it again.

This is the worst customer service, the worst card, and the worst online set up ever. 1) They do not have autopsy (why cause they want you to be late). 2) They only have pay ahead for couple months. 3) Customer service is combative and not helpful try to flip script of it being your fault. 4) If your payment is due on the first and you pay it on the first its a weekend they ding you for late payment cause they do not do transactions on weekend so that Monday it's late. (Told me to pay it early.)

CFNA is the worst credit card company ever. I had a zero balance and make purchases after my billing closed and tried to pay it off during that billing cycle and could not. Now they are going to report to the credit bureau I have a balance. I tried to pay it off online and I could not. WHY, the Stupidest thing I have ever hear of. Why Not Let Me pay my bill off and have again a Zero Balance. Tried to mail it in, they would not post it. Tell Me the reason for this dumb action. Other credit card companies if you charge during the month you can also pay it off during that month.

I made a promotional purchase with an end date of 5/23/24. I made large regular purchase in Feb. of 24 and paid it off at the due date of 3/23/24. CFNA chose to apply the payment to the promotional purchase leaving the regular purchase for them to charge interest. Under their terms and conditions, a payment in excess of the minimum payment made during the last 2 billing cycles of a promotional period will be applied to the promotional purchase first. My payment was intentionally made during the 4th of 6 billing cycles, to pay off the regular purchase, nevertheless CFNA refuses to credit it toward the regular purchase. CFNA has admitted their terms and conditions, but have stated that their system processed the payment and they cannot change it. From reading other reviews they apparently are stealing a few dollars from many, many cardholders.

My rating for CFNA is less than 0. I have been fraudulently double charged on my payments and then CFNA says they have no record of the unauthorized second payment. Contact your bank asap and then contact CFPB which is consumer fraud protection bureau.

My verification email is not sending to address on file so I can not successfully log into my account. Called a representative and confirmed it is not in spam and tried re-sending/logging in on 2 different browsers. No solution provided to retrieve access to account today. I Have to wait 14-business day for a new card to arrive, CALL BACK to cancel the account and then create a "new" account JUST TO LOG IN. I have all of my current account information (username, pw, email) but CFNA's 2-step verification system is broken so I have to waste time just to gain access.

Applied for this card for emergency car repairs. Promotional period of 6 months with no interest. I had no problems making payments on CFNA website from my checking account. Just before the 6th month is up. CFNA claims my bank rejected request for payment, they immediately hit me with ALL of the INTEREST and charged me an LATE FEE. I phoned them. They gave me a story that the account number was wrong and the bank rejected the payment request. (He took my payment over the phone but never verified if my account number was correct..Guess what the payment went through). I called my bank and asked for a record of this transaction, where CFNA submitted payment and it was rejected because the account number was wrong. My bank said they have no record of a payment request submitted on - that date, from CFNA, for $100.00 nor any record of payment rejection due to wrong account - NO record.

CFNA has the worst customer service in America. Reps are rude. Disconnect you when you ask for a supervisors. In addition, their verification process causes you to give entirely too much info and cost you money!

This is one of the worst credit card systems I’ve ever dealt with. I ordered it because I bought some tires from Firestone. Had sent a payment through my bank and it goes to some erroneous PO Box that the Rep said is not immediately checked. The check had been sent within 12 business days and it’s still located in their system. Now I’m going to have to stop payment and fight with them about late fees, etc. They charge over $4.00 for the over phone payment. I’m going to notify ConsumerAffairs and the credit bureaus about this terrible system.

UGH! What he said AND what she said AND what almost every single one of these reviews says. Don't walk, run away from this company! Pay your balance and don't ever use this card again. If you close your account it will negatively effect your credit score, so don't close it. Shame on you Firestone and CFNA, the worst company EVER!!!

They changed my credit limit while running my credit and did not inform me they were doing so. Go to look today and my credit limit has been cut in half because I didn't use it enough. Safe to say, that I will be canceling this account and sticking with other companies that care about their customers. I have been a customer for 8 years and it's a shame that this is what will end that. Do yourself a favor and don't sign up.

This company deserves ZERO stars. I signed for a Firestone Complete Care credit card that is managed by Credit First. I received the bill and paid with Bank of America on April 1st. The company claims they did not receive the check until April 16th. I called Bank of America and confirmed the check was sent. I even had a Bank of America rep call an agent there to get them to waive the fee they charged. She supposedly couldn't see or do anything about the fee. Don't EVER do business with this company.

When I say they ONLY care about their bottom line, that's an understatement. No customer care, will avoid this business at all cost and will be posting about this experience on all my social media platforms.

Every interaction with the company was uncomfortable for me. Poor system and operation. I made a purchase in January and received an email saying your $20 reward had been redeemed. I logged in my account and confirmed my $20 reward had disappeared but not shown in the transaction yet. No credit appeared in the next two statement of Feb and March. I called and they told me my $20 reward still remained unapplied to any statement in my account EVEN THOUGH I received the redemption email and had no reward balance. They said the $20 would apply to a next purchase, but I decided to terminate the relationship ASAP.

30 + days since opening account after buying new tires. All throughout I was reassured my card would arrive on time to make a payment. I call today, after card not arriving within the 30 day period they said it would take over the phone. Late fees for not paying within 30 day period. I have been led straight into a scam, defeating the whole purpose of even getting the card. I asked about this to no avail, no policy to remove late fees they say. I asked to speak with a manager, system was down all of a sudden. I asked them to call me back, system was down they couldn't call me back. An absolute scam I'm telling you, I called 3 times just to make sure I was getting my payment done on time and STILL they managed to charge me late fees. 38 days out now, still haven't gotten my card.

A Credit Dispute Tale!!! It was a happy Friday, March 29th, 24. I realized an overpayment on my CFNA acct. Paid $207 instead $107. A good way to start a Friday with an extra $100 on my pocket. I just had paid in full the CFNA acct. Promotional period of 6 months had just expired on March 14th. I guess that's one of the reason I overpaid. I want to make sure I won't pay interests. After all, I haven't paid interests in the past 15 year. Proud of my 820 credit score.

This company is a complete fraud! I have paid the amounts I’ve accrued in full two times and both times they have caused me issues! I had paid the first time on a balance of $1200 and some change and they wouldn’t allow me to use the card again until the statement closed so Firestone had to hold my car for 5 days which caused so much stress on me!

I charged $36.69 in January. I logged into my online account right away to set up my banking account for payment thinking that the balance would be paid in full amount on the due day. Well, it's not. As a result, I had two months lag time until I finally found out they did not provide this service. Due to the absence of an auto-payment feature, which I consider a basic service in today’s digital banking era, my balance escalated to over $190 in less than two months! This situation, to be frank, feels akin to a rip-off!!! Why on earth that they let you set up a banking account but no autopay service?

I went to Firestone to get my yearly Inspection which is 7 dollars and walked out with 4 new tires lol. I do not like this credit card company because I think that this credit card company is very tricky in the way that they interact with you. I applied because I was told that it would be 6 months. No interest as long as you paid it within 6 months. The problem is that they are constantly changing the minimum amount. The other thing is that they do not know if you when your payment is due. It's your possibility to keep logging on to the website to see when your payment is due, which is fine but not very convenient. The other thing is they don't have a friendly app or website. The only way that you can make a payment on this card is connecting your account. You need your account number and routing number. You cannot pay it any other way unless you go in person to a firestone and make your payment there and they only accept cash.

This company is fraud. They tell you that you have no interest for 6 months. I made a payment last month online and it didn't show it went through so I made another payment for the same exact amount. They attempted to take the money from my account twice which result in a return check on one payment. I was charged a return check fee. Why would I make two payments of the same amount which would be over the amount owed. I called explaining the system error and I was told that it was nothing they could do and they could only credit me back $15 of the fee. If they found no error why would they agree to give $15 credit. Only for me to make another payment on 2/15/24 for $200 and waiting for the payment to process. It never cleared my bank so I checked the Firestone account and it shows that another returned check fee when they attempted to take the money from the wrong account.

CFNA has repeatedly not sent me a monthly statement or notice telling me when my payment is due. They have done this twice in less than a year. I am, and have always been signed up for E-Statements (Emailed to me) to let me know when my payment is due. The first time, they had UNENROLLED ME in E-statements and blamed me for their error. I re-added E-statements and everything was fine for a few months. Because of this error on their part, they reduced my available credit by a significant amount and refuse to acknowledge any responsibility, blaming me for paying my bills late. However, I did not receive a bill for last month so I did not remember to pay. I got a notice yesterday (10 days after the due date from last month) and when I went to pay it today, they added $41 in late fees.

I had a promotional balance and then made a revolving purchase. Payment was applied to promotional balance before revolving purchase. Apparently if <2 months until promo balance is due, this is policy. After calling customer service, I was told making a large payment would pay off upcoming promo balance and revolving purchase. This was wrong and I was charged even more interest. Following month, I called. Was put on hold for >45min waiting for a supervisor. Issue still not resolved. Customer service is poorly trained, not supervised and policies are draconian. Avoid card, if possible.

I have CFNA CREDIT CARD SINCE 2019 and they always find the way to messed up your credit history or the way to rub you off, the Firestone they good to fix the car but the credit card people CFNA customer service is the worst customer service ever I seen.

I have never worked with a more unprofessional group of people. First my card was sent to the wrong address and when I called to get it resolved and updated I was given an attitude. I was also given an attitude when I asked for the due date because I was unsure and they scoffed because they had to repeat themselves. Moving forward I finally receive my card in the mail over a month later. I missed my payment by 1 day and called to see if they could remove it and was told no, that CFNA does not do this (every bank/credit union I've dealt with has never pushed back) especially when it's your first time. Then was told that they can take payments over the phone...okay I knew that? That wasn't why I was calling..Needless to say I'm closing my account with them. The entire experience from start to finish has been horrible.

Unfortunately, I made a payment (Plaza Tire financed by CFNA) to a previous account, which was closed. I called asking them to put the money to the correct, ACTIVE account (money already cleared my bank account) and literally got EVERY excuse under the sun to avoid being able to transfer the money to the correct account. I talked to various specialists, 2 supervisors and no one could figure this out? When I asked for someone above them (as a supervisor), I was told I could speak with another specialist. Absolutely unacceptable. These people literally read repeatedly from a script as if they were a robot and I was a moron. NO problem solving skills at all. Very much feels like a scam.

They closed my credit card account illegally because I disputed a charge from Firestone. An order from the president of Firestone was the reason provided by one agent. This action has damaged my credit and proven their dishonesty. I took a vehicle in for an inspection and requested that four tires be replaced. On the inspection report, we addressed almost everything and thought we could handle the smaller items ourselves, as we were primarily concerned with the major issues. There was no mention of a bad CV joint on the full inspection report we paid for, but when we drove the vehicle away from the store, there was a new clicking noise from the front end. I suspect sabotage because when we came to pay and pick up the car, I noticed that only two tires had been replaced. However, the manager tried to charge us for four tires. When I pointed this out and questioned whether he was trying to rip us off, he became aggressive.

If I would have read the reviews I never would have got this credit card. Losers, read the reviews, Say no more, don't waste your breath. I have never Seeing a company with no more than one star. Unbelievable.

Someone signed up for two cards in my name. After several calls, still trying to get this boneheaded company off my credit report. Surprised they don't have their act together and can deal with these issues.

If I could give negative stars to CFNA, I would! My nightmare started due to my error. Payment was sent by the bank to the card-issuing address. I discovered by staff there was no communication between the departments. While discovering the initial check wasn't cashed, I had the check cancelled and another reissued. The problem continued when I had another check sent. After Identifying the issue myself, an electronic payment was sent for the balance. Consequently. I ended up paying two $29 late fees and two returned check fees ($29 and $41). One of the returned check fees occurred after the fact. CFNA had the entire amount and the account was closed. Never again! I'm one of those people who pays the entire credit card pay and does not pay interest. The Customer Service Department contributes to the company's corrupt business practices.

This company raised my credit limit from $4500 to $7500. I do not owe them anything and did not request a raise in my credit limit. They did a hard check on my credit report. I have, in the past bought Firestone Tires, but have paid them off.

Stay away from this card. Used in emergency and interest rates keep you from paying this card down. HORRIBLE customer service. They want to argue with you and tell you that you did something you did not. Charged late fee for month paid the day statement came out. Do not get this card.

This card is made to put you into the debt trap and keep you there as long as possible unless you can make a lump sum payment to get this paid off. The fees and financing charges are out of this world and they make the payments late to charge you additional interest even after you make the payment. I highly recommend that you run as fast as you can away from this card even if you are having financial difficulties.

This company helps with deals but seem to hold you in debt by taking and processing payments late. Furthermore try to report you as paying late. I want to pay my debts but CFNA tries to prevent that apparently

I had to buy new tires because of a large pothole on the old and dangerous bridge between Belmont and Charlotte and had to use the card. Anyway, they’ve been charging around $12 in interest per month and last month it went up to $130. Way more than the minimum due. Way to just keep kicking people when they are down. Avoid.

I called to see if we could possibly get set up for a hardship program & they said that we would have to be late with the payment before they could do that. We were trying to avoid that. Whole point in asking. Also no one in our area accepts their credit card anymore.

Back in March 2023 I got a notification that my credit dropped 20 points. I looked to see what happened and with no warning they dropped my credit limit by $2500. I then paid my balance in full to close the account. My account was closed in good standings. Now the end of September 2023 they are still changing reports to my credit labeling payments as late or unknown dropping my credit another 27 points! If you care about building your credit stay far away from this company long after you close your account. They will still report false negative information on your credit and you’ll have to dispute these reports over and over with your credit bureaus.

Unfair lending practices, this company will appeal to you when you're desperate, and you will NEVER be able to pay them off. They structure their services so that you pay triple your loan, and the only way to get them removed from your life is to pay in one lump sum. You will regret doing business with them. Find another route.

I made a double payment, call the same day and was told that he would apply the extra payment for the next month. The lady told me they couldn't do that. Talked to a supervisor after waiting 45min and was told that it would take effect for Sept. But the only way to make early payments is to give them my bank info. Yeah right. Every other CC I pay I am able to make double, sometimes triple payments. What kind of company doesn't take double payment and apply it to the next month? As soon as I have this bill paid off I will be cancelling my Firestone account and making sure I never use a company that uses this company. IMO if you see a company using CFNA run, run fast.

When they originally changed to the credit card update back in the beginning of the year they told me I would be getting a credit card and a higher credit limit. Fast forward back in April my car needed repairs and that's when I found out that my credit was not available and no credit card. I still had the standard credit. So I had to pay out of pocket and argued with a representative all the way up to their supervisor. Apparently that's the highest level of management role is there from what they told me.

Along with the others, my complaints (yes plural) is exactly the same. This is by far the most HORRENDOUS company I have ever had the misfortune of dealing with. Not one single representative I spoke with told me the same as the other. The MANAGER couldn't even add and I honestly believe she has never owned a credit card, no less made a payment. To make this long story short, I will list my misinformed experiences, because I simply don't know where to begin.

Absolute god awful credit card. I only use it every 4-5 years for tires and this will be the last time. They openly admit they can lower your credit limit whenever they seem fit which I understand, except — they are doing it after every payment. I used 1300 of my 2000 limit and they lowered it to 1600. Made a payment, lowered it again to 1400 and once again to 1200. This keeps my overall usage at nearly 90% every month and that’s all the bureaus see. It’s a roller coaster with my score. Customer service is awful. Please don’t give this company any of your business.

They changed our credit card number from 9 digits to 12 digits a couple months after we took the card out. We were at our primary home when we received a letter that we would be getting a new cards in the mail. We did not receive them. After many months of calling them, we moved to our summer home. Even after telling them each call that we were at our summer home, they still kept sending them to our primary address and according to them, they were being returned. After speaking with a supervisor, she got permission to send it to our summer home. Nope, they again sent them to our primary address. We closed the account, with them saying they were on the way. Okay where did you send them, answer, the address on the account. Great, close the account!

Worst financial institution I've ever encountered. Can't pay via cards, must have your bank routing account numbers handy, will not do autopay, even though I was told they do, which led to me being late on my payment. Customer service has been friendly thus far, but give mixed answers and seem uninformed on practices, leading me to think they're a 3rd party call center. The horribleness of this company leads me to have a lower opinion of Firestone Auto now as well, be careful who you choose to associate with.

I should have paid attention to the reviews beforehand. This company is trash. Their systems are outdated, they take forever to answer the phone and please don't miss a payment. They will take your limit!

What a terrible company!! I have had this account since 2018 through Firestone branded card. I bought a Honda in 2021, and was informed that I could use this card at Honda. I have used this card at Honda since I purchased my car. I have service done this July at Honda and was informed I was unable to use this card any longer. I called July 5th and was informed that they did some updates and was no longer able to use this card at Honda since March 2023 and that I received information regarding this update.

Plaza Tire Center just swapped to CFNA to handle their credit card services. The service they had before CFNA was fine, with timely transactions and automatic email updates. CFNA does not automatically send you an email when your bill is due, so I got charged a late payment fee for my tires that I had bought. Not only this, but when I did make my payment, I received no receipt or notification that they've received my payment. What they DID do, is send me another reminder to pay. So I called them up and was left on hold for 40 minutes. A literal 40 minutes.

Recently they updated the cards from a nine digit number to a 16. Did not think anything of it, well what they didn't tell you was they were cutting down the number of places you could use this. I had a Firestone affiliated mechanic that I used for yeaars before, this worked because he is the only one for miles. Well with the new change and without warning the card does not work there anymore because they have cut the number of places it can be used. I stopped at a firestone once and was quote 4500 for a job that cost me 1500 with another mechanic. I have no interest in going back to a firestone location. So maybe you will have better luck.

This credit card company is the worst I ever had. They charged me late fee while I paid the total balance. They added late fee to my account after i paid the total balance. They did not inform me that i had to pay late fee because i thought i paid the total balance. But this company, they do not contact you to let you know that there is a balance open, no email, no phone and no mails. They reported me twice to all credit bureaus even though I paid the total balance.

Don't do business with them if you want to lower the rate. I'll never do business with them again. What company won't even consider it. Banks and others will talk to you but not this company. Go elsewhere.

Please try to stay away from this company.. They are the worst credit card providers.. They don't have auto pay options .. They won't allow to pay recurring payments.. They ask customers to pay on time and keep the customers on sharp objects.. If no payments in time that's it. You must pay penalties.. No matter what.. They won't refund.. Top on that they will stole your credit reports.. Very bad company... Please please stay away from this company...

I got approved for the Firestone MasterCard which can be used wherever mastercard is accepted. I used the mastercard at firestone to get tires which wasn't a problem. When my card came in the mail I went ahead and activated the card. I went to Walmart to get stuff that my baby needed. Tried using the mastercard. It got declined. After a couple of times of trying to see if it would go through I got a text from the fraud department.

They don't offer online chat. They do not offer a customer service email. They give a mailing address on their website. So I mailed a letter with tracking. It has been over a week waiting for pickup and they haven't picked it up. So soon it will be sent back to me. I want to communicate with them in writing as this is regarding credit reporting. A company that doesn't pickup the mail, doesn't have email, doesn't have chat shouldn't be in business. Horrible customer service.

Yesterday, I was called by a CFNA collector. Not only was he rude, but he was also judgmental and pushy. I told him that I was unable to pay anything at the moment due to being a student teacher. He proceeded to ask how I was paying my other bills if I didn't have a paying job and why did I get a credit card if I couldn't pay for it. When I told him how I pay my other bills is none of his business, he proceeded to tell me that it was his business because this bill was one of those that needed to be paid. When I told him that my fiancé' pays our bills, he proceeded to ask for my fiancé's bank account that he could put on file for payments. He assumed that just because I had a card for car repairs/tires that I must have money to pay for all of my bills. He told me that I needed to make my bill with them a priority even though I repeatedly told him that I do not have the money.

I had some work done on my car at Firestone and was told I would get a discount by putting it on my CFNA Firestone cad, which, I did - I did have a prior balance, full disclosure. I then called CFNA the following day to apply a payment towards the promotional balance which is six months. - the woman I spoke with assured me this would happen. However, a month later I get a statement showing the full amount of the balance. CFNA, it turns out, only applies balances towards your promotional balance on the fifth and six months. Months 1-4 go towards your revolving balance.

This is without doubt the worst credit line I’ve ever had. I took out Firestone credit with them in 2020 following an emergency repair, and was told they’d send me the physical card and login information so I could pay the card off. They never did. So to avoid penalty, I called their customer service line and found out they had entered my home address incorrectly. Fine. Verified the correct one and was told they’d resend. Never happened. Made all my payments via phone until the balance was empty. Fast forward to 2023, apparently my last card expired so I was sent a brand new one. Great! Called the activation line and gave them the number for the new card as well as my SSN. THEY DO NOT EVEN HAVE RECORD THAT I AM IN THEIR SYSTEM AS A CLIENT. Yet they sent me a credit card??!! I’m not bothering to activate this thing. I’ll call their help line and close this account. What a joke.

I have a settled collection with this company that is on my credit report but ever time I do a dispute asking for verification I get a letter in the mail stating “please be advised that due to privacy concerns we are sending our correspondence to the address we have on file” and yet I still have no documents stating otherwise. I’m not sure what address they have. But you still want to house inaccurate information on my other 2 credit report and truly can’t verify my identity which is a violation under FCRA. The manager Teresa was rude, Sharon won’t respond to any of my calls and customer service is just ridiculous. DO NOT GET A CARD FROM HERE

CFNA lowered my credit limit by 1800$. They never notified me. I only knew after making a purchase at Firestone when card declined. For 600$ which is 30% of what was available just three days prior. STAY AWAY!

BEWARE!!!! CNFA WILL RUIN YOUR CREDIT!!! DO NOT OPEN AN ACCOUNT WITH THEM!!! SCAM ARTISTS!!! I have had them for 3 to 4 years now. Today I look on my credit report and these scum. Decided to lower my credit limit by 500 dollars out of the blue which raised my credit usage and significantly dropped my credit!!! I am furious!!! I called to see if it was a mistake and they said no and to call them and request a limit increase in 6 months. I closed my account immediately with a few choice words for the AHOLES!!! WARNING ⚠️ ⚠️ ⚠️ DO NOT USE CNFA!!!

I have been a worthy customer to CNFA (Bridgestone) for 6 years, 3 months with a history of on-time payments. CNFA (Bridgestone) reduced my credit limit without notice for a payment received six days after the due date. Though no late payment was reported to the credit bureaus, the reduction of credit limit resulted in a higher usage ratio of the credit card assigned. Dialogue with creditor did not result in a favorable resolution. As a result, I closed my oldest account and suffered an insult as explanation to a faulty reporting policy. Thanks for nothing!!!

I've had this card for 3 years with a credit limit of a $1,000 dollars. I haven't used this card since I've opened the account and for a good reason. I've had Discover and Amex now for 2 years and I've automatically received 3 credit limit increases up to $18K on my Discover and $21K on my Amex. CFNA not once has increased my spending power to use it at any Firestone locations. Even after I've requested an increase they kept denying it. You can't do much with a $1K these days, especially with what repairs cost for modern vehicles. The reason I applied of this card is because I liked the discounts if offered at Firestone locations, but the discounts aren't very much.

The micro-managing is non-existent with this creditor. They do not have nor enforce any type of quality control on their clients. They offer financing at various tire stores, but the tire store clerks make imbecile mistakes like charging another customer's bill to your account simply because they don't have an efficient means to locate accounts other than to "attempt" various ways to pull up your account. Upon this happening my wife had her credit affected because of this petty mistake and now must wait for it to be resolved at the mercy of these incompetent representatives.

Utilized credit card with 6 months no interest promo. From initial charge of $976.77, I paid all but $100.00 by promo end date, on time, all undisputed with CFNA. CFNA charged me $108.12 interest on remaining $100. Suspecting an error, I called & was told CFNA charges full 6 months interest on ORIGINAL balance ($976.77), not REMAINING ($100). Was consistently told full 6 months interest would be charged at end of promo date, but NEVER told it would be for original balance, not remaining. Why would I spend 6 months paying down a balance, allowing CFNA to earn interest on my money, only to charge me interest on it? No sane person would make ANY payments knowing this.

I was accidentally underpaid my account by $1.00. They called me to let me know and I immediately paid the $1.00. They charged me $40.00 for being "late" on my payment. You have to set up scheduled payments individually if you want to pay your bill automatically. The amount owed changed and I was not aware of it so the payment that I previously set up was $1.00 short. I called and they said they weren't able to take off the late payment fee. Charging $40.00 for a $1.00 shortage is absolutely a rip off. They stated that they had previously taken a late fee off (when I was actually late, my fault) and would never do it again. They also stated I was notified that my bill was going up due to some promotion ending which was not true. The supervisor was rude and completely unprofessional. She acted like she took great pleasure in charging me $40.00 for a $1.00 shortage.

I called in after being several months late because they offered a deal. I spoke with the agent and reviewed my information and we agreed I would pay $143. The agent repeated my information to me correctly, however, he still entered it wrong. I called back a few days after noticing my account had not been withdrawn. The agent I spoke with (after being given the run around) assured me that all I had to do was do the process again. After noticing a small amount was withdrawn from my account I called back and was notified the agent made the arrangement to subtract one fee from the account.

I've been a cardholder for 13 years, never late on a payment, always paid double the amount of the minimum payment, and paid it off completely a couple of times. They offer a promotional balance period where you aren't charged interest for 6 months from the purchase date. I had to have some major car work done and have been paying double the minimum payment per usual, but that particular purchase for some reason the balance remains high while my card is paid down about 31%. I do have another charge that is somewhere in it's promotional timeline.

During the Pandemic, was out of work for a while. They offered to defer my payments for 60 day but forgot to tell me they were charging me $40 a month late fee. All said and done, they racked me up over $160 in late fees. Real heartless and money grubbing garbage company.

Went to firestone, insufficient explanation on what I was signing up for, I thought it was a membership card since I had never been to a firestone auto care before. On first glance everything about this company screams shabby, lazy, cheap, shady, and worst of all they have no means to contact a human by phone or online. As soon as I get what I need to cancel, it is being cancelled. No intelligent person with complete and full knowledge would sign up with such a business. Makes sense they go through external businesses to set up accounts and share/sell their customer's information.

Received this card as a promotional offer when visiting my Firestone store. Canceled after the debacle below.

I have been with this card company for 10 yrs and still counting and I haven’t had any issues with customer service either, so in my opinion, the other reviews just seem off to me. The CFNA credit card has saved my credit score and my personal life tremendously. Thanks for reading, and you’re responsible for making your own payments peeps. I will always recommend it to others.

If you have a chance to purchase tires, make sure not to use CFNA CREDIT. I bought my wife 4 tires, and it was 1300 total. So it was put on my CFNA card Oct 22, 2020. I get a paper statement a few days later saying I owe 44.00 FOR 10/15/2020 TO 10/23/2020. I have never had a credit card charge you two or three days after opening it up. And I have had late fees and calls saying that got the Oct. bill late and if my banks says different and I am looking at my account showing payment went through....Who am I suppose to believe. I am so done with this company!!!!

I used their online payment to pay my bill using my bank information before the due day. However, I got a late payment charge in my next bill statement. I called their customer service, a lady said the payment did not get through, so I gave my bank information to this lady and she manually input the information and she said everything is done, and late fee is removed, and gave me a confirmation number. A week later, I got a letter saying payment was not done. I called them again, another lady said I don't need to pay anything and everything has been taken care. However, they still charged me the late fee. I emailed them this time, they replied they cannot credit this charge. It is ridiculous that customers have to pay the cost for their unreliable online payment system. Their customer service is the worst compared with any other credit company.

Affected by COVID, and this company made it very apparent that they could have cared less. My bill was due on 8/13, but due to having COVID I paid it on 8/19. On July 10th, I had come down with COVID, and was down hard, from the illness. I called to see if they would be willing to waive the late fee, in lieu of everything. Not only was the CSR rude and hateful, but they lowered my credit limit by $800.00 and threatened to report my account as 30 days late, to the credit beaus. I tried to explain that if a patient is in a coma, it is impossible to call and advise they are ill. The CSR's response was, I still should have called. I have been with them for almost 3 years, with a perfect payment history, and this is how I was treated.

This company has not only reported fraudulent information to my credit report they also just updated my Experian Credit Report falsely showing me being late from 2018 to July 2020. And reporting to Equifax claiming first major reported delinquency July 2020 vs 2015. This fraudulent account was closed in 2015 and CFNA just violated the FCRA by not only ignoring my police report by updating old negative information as new. Also Wendy from CFNA has been extremely rude when I call claiming that the company changed systems and that by reporting false information to my credit report they are doing me a favor.

I have only had this Firestone credit card for a few months and have been billed once and paid the balance at that time 03/04 2020. Since then they have put me into paperless billing without my knowledge. I don't know if they automatically do that but I was not advised either way. I have called and asked that they mail me my bill so that I may pay it, but as of today 07/14/2020 they haven't. I called again today trying to be sent a bill as I have had difficulty using their online service. I cannot log into my account and the call was dropped or I was hung up on I don't know which. All I want is for this company to send me out a conventional bill for me to pay.

I have had a problem with my bill EVERY SINGLE MONTH for over a year, I have given them my routing #, my bank card, set up Zelle, used my boyfriend's credit card. They get it right maybe 2 out of 10 times. I always make sure there is money in the account but it never goes through and I get a late fee! I call every month and they simply can not give me an explanation for why. So I give them my bank card over the phone 5$ fee and nothing is resolved but they get the money and the late fee.

I have looked into my Balance from CFNA and I noticed NONE of my Tire Plus receipts for payment to my account has been credited to my account!! Why is that? I called twice. Spoke nicely to two Reps from CFNA, 1 girl hung up the other said all my online payment, I told her I have made payments through Tire Plus stores..then she say “hello I cant hear you.” Hung up!! Where's my payments going? I have all receipts that my son pays at Tire Plus store then they are supposed to mail it to CFNA! I can’t imagine Different Tire Plus stores keeping these payments. Must be CFNA! These Payments needs to be found and my account adjusted to correct balance.

So I made a payment through my Bank of America bill paying account. Then I received a statement from Credit First not crediting my account and imposing a late fee. When I contacted Credit First, the person I spoke to was rude and not helpful at all. Worst experience ever.

Affected by COVID-19. Lost my job on Monday. I called because my income has drastically changed. Most of my other cards, landlords, and other monthly bills are very understanding. Everyone worked with me to ease my stress during these unprecedented times. But not my Credit First National Association Card, little to no sympathy. Told me I already paid my bill for this month so there was nothing they could do. Ok... I lost my job 2 days after I paid you. And I pay my monthly payments on time, you would think that they would treat their customers with a little more compassion. I’m sure I wasn’t your 1st phone call today and I won’t be your last. Honestly can’t wait to pay you off and terminate my account. Not a credit card company I want to be with anymore.

I bought 4 tires and paid in 45 days, by mistake I paid $2700 dollars extra. When I called they said it will refund in 120 days. Now since one year I never see no refund. In this one year numerous calls made to the customer service they say within 10 days I will receive, but those 10 days never came since one year. Please be careful with this company, extremely poor services, lots of runaround but no results. How they cheat people is a magic trick on their selves, be careful.

Account is already paid off more than the amount that was given in the first place.

I see people have had issue with their Credit First credit card. I REALLY don’t see how that is. You have your bill online with the due date clear as day as soon as you log in. I can’t even say it sucks. They don’t have autopay because it takes a split second to log in and hit make a payment. I’m just a young guy who needed car repair when I didn’t have anything and this company has really helped me out. I haven’t had any issues with customer service either, so in my opinion the other reviews just seem off-putting. The CFNA AutoPass credit card has saved my credit score, and my personal life tremendously. Thanks for reading, and you’re responsible for making your own payments peeps! (As it says in the agreement you sign when getting the card...)

Like so many others on here I have perfect payment history, they do not offer auto pay and since I travel for work extensively I try to make a point of setting up auto payments on all of my bills. I missed a payment and they reported it immediately, mind you I used the card two years earlier and paid off the balance. In fact paid over the amount owed and had to call for six months to get my money back. Do not get this card or any other offering from CFNA. They are a terrible business with zero concern or care for customers. They actually cost Firestone a life long customer here, I will never get tires from them again due to this credit company.

Like a lot of other reviewers on this site, I also have and maintain impeccable credit. Have had the CFNA Firestone card for many years, during which time, I only had two late fee charges. The first one, was forgiven out of the apparently only drop of generosity they have--must have caught them on a good day. The other, was not. So, I thought about this for a minute and summarized the following: CFNA was doing me no favors. In fact, I was doing them a favor, but maintaining their card for all these years without any perks.

I received a call at 8 pm NY time from this credit card company. I have impeccable credit. I now fear after reading some of the other experiences with this card from other reviewers. My first payment of $27 was due on November 18th. My office manager sent it on November 7th per my files. Needless to say they said I was late. I had to research what happened and it seems there was an entry problem. I in turn decided to send a $50 payment just for good measure and called the 800 number back to let them know that I corrected the error we found. I mentioned that I paid $50 instead of the $27 and it would be there by Friday the 29th.

Stopped by Firestone to have car looked at due to overheating. It took about 2 hours and when they were done our CFNA card was declined. The manager called to see why and said we had to contact the Fraud Department at CFNA. We called the Fraud Dept. right away and they were closed so we called the number on the back of the card. Once we were connected and explained what was going on we were told that all they needed was a photo ID sent to them of the front and back. We obliged and sent this over. After three attempts they received this. After an hour and 20 minutes we got disconnected and had to call back. Mind you we only have the one vehicle and Firestone would not release it until the bill was paid.

I have prestigious credit, never miss any payments, but most I have on auto pay because I am a mom, a career woman, a wife, have a child with medical needs and is a senior in high school, and another who's a competitive dancer. I am BUSY and life is busy. I have always paid this car ahead each month paying more than due, but not off, so as to build history and keep my balance at a level still beneficial to have a positive impact in my credit.