Credit First National Association Arvostelua 

Avoid CFNA and Firestone Credit Card – Worst Experience Ever

CFNA is by far the worst credit card I’ve ever had. I only got it because of the persistent sales pitch from Firestone staff who kept insisting we apply — a huge mistake.

We always pay our credit cards on time and in full, so it was shocking to receive a $29 “late payment” fee. We never got any alerts or notice about the due date — no reminders, nothing. When I called to dispute the charge, they refused to waive it at first. Only after I told them to close the account did they agree to waive half the fee.

Their customer service is extremely impersonal and difficult to reach — a maze of phone numbers clearly designed to waste your time and discourage you from getting real help.

Completely disappointing and unprofessional. We never really wanted this card, and now I wish we had never accepted it. Stay far away from CFNA and the Firestone credit card.

Firestone Tire Center signed me up automatically for this card. I never saw the small print for $2.99 fee for paper statement. Was on vacation and missed first payment by 7 days. 29.99 late fee. I paid the bill immediately when i realized it was overdue. Had to install mobile app to pay bill on weekend after 5pm on Saturday. When asked if they could waive the late fee they said no it is there company policy. I have never been denied a waiver of a late fee on a first time use of a card. Guess the customer service person at Firestone got their commission and CFNA made out. Never again..stick no my regular card.

One day late for my first payment, $39 late fee. I received no notice of when my payment was due. Their customer service guy was cold and informed me that it's not their policy to waive any interest or late payment fees. At least I think that's what he said. I think he was working from overseas.

I have a credit card with this company through Firestone auto repair and the card is a ripoff! I said that because they double charge you interest without your consent! They offer a plan where if you spend $149 or more you can pay over 6 months but they don’t even ask you if you want to do it! They just take it upon themselves to do it for you! I you haven’t paid that particular purchase in the 6 months period they charge you more interest on top of the interest they charge you for the same money they give you from the card! That is truly not fair, they are double charging you and more for the same money they already loaned you from the card! Something is wrong with that practice it’s more like a scam than a card! I didn’t ask for 6 months deferred payments so I should not have to pay twice for the same money! Please don’t trust this company!!

Customer service is poor. They are not helpful when they could be. I wish Burt Brothers would find someone else to handle their care accounts. Jt

Do not do business with these unethical crooks. They randomly out the blue tack on almost 200 in interest and do that as they wish and expect you to pay it! Dealing with the wrong one here. Then at the same time drop my credit limit 200 tanking my score. I’m pursuing legal recourse they are con artist all beware

LITERALLY THE WORST CARD AND CUSTOMER SERVICE ANYWHERE!!! It started out with even though I had set up automatic payments My first two payments did not go through even though they had the correct acct number and routing number. Then it miraculously started working with no changes. After several months and numerous phone calls those late fees were finally reversed. And I was told not to worry that until an account was 2 to 3 months behind in payments they did not report it as being late. Used it a couple of times paying most of it off every month. Just kept a small balance on each month going foreword. Then I find out someone is using my account to pay their bills. I went into my bank and they immediately closed my checking account and gave me a new checking account account number. They then gave me a list of all of my accounts that took automatic payments from that old account and told me to contact all of them and explain to them what happened and to get my automatic payment account number updated. Which I did. Thought every thing was good until I saw CFNA's payment did not come out of my new account. Called immediately and made a payment then spoke to someone whom 'I could not understand at all but was able to at least get everything was good on my account and that the payment had gone through with no late payment showing or fee. A month later I get my statement and it shows the payment as being late and I was charged a fee. I called once again and tried explaining what had happened. I was told it could take 2 to 3 billing cycles for it to catch up. But not to worry, everything was up to date on my account. Next statement, same issue. I call again and get the same answers. Next month same thing. Only now My credit report shows I had a late payment on my CFNA card and my once excellent credit score of 790+ has now dropped to 630. My available credit limit was also cut in half and my interest rate was now the maximum they could charge. I call again only this time I am told there is nothing that they can do as it has been over 2 months. Getting a supervisor does me no good. They give me the same answer. Sorry it has been over two months. Doesn't matter that I've been calling every month there is nothing they can do about it. This is completely shady on their part. But as they say sorry nothing they can do. Well I sincerely hope this happens to everyone of them. Because who knows how long it's going to take me to get back to where I was.

They are predatory lenders! I say that because they give you the credit card but charge you double in interest for the same card and purchases! They say you can have six months to pay but they don’t give you a choice if you want to do that or not! If you haven’t paid the payment by the time the six months is up, they charge you even more interest on that amount than on your regular interest on the balance of the card!!! Sounds like a lot, which it is, because they are doing too much with that! You are already paying the interest on the balance then they make you pay extra interest on some promotional charge you didn’t even ask for! They are the first I hate I even got the card now!!!! So if offered to anyone that reads this don’t do it!!!!!

This card is NOT worth it and DEFINITELY not worth the outrageous interest rate they have the audacity to charge. We got this card in Dec and the rewards STILL HAVE NOT BEEN APPLIED to my account. SINCE DECEMBER 2024. I have called about it, and I was told specifically to wait until my next statement, and it would be reflected on there. We waited as instructed and not only was that a lie, and the rewards were not applied, they also applied a late fee of $30 because we didn't pay on the 3rd until we received our statement as instructed. I received the statement on the 8th and the fee was on there. So, you can attach fees-we NEVER PAY LATE-but you can't, in SIX BILLING CYCLES, attach what you OWE US. I called again and they told the same lie, "It takes up to two billing cycles" and by this time we will be nearing the point of expiration of them. Next, we don't pay interest because we pay the charges off within six months. However, the interest rate is 34%. I would encourage anyone to use the credit card they have through their bank-or anywhere but here-and get your cash rewards that are automatic, and YOU can go in to apply them towards your balance or cash out with no waiting. There is no excuse for it and when speaking to them I was transferred a couple of times before getting to the right department. The contact number for them on the statements and the app are also incorrect. It rings once and hangs up. If you have this card, it is doing more harm than anything and not worth it. They absolutely have NOTHING that benefits you and you will likely never see the rewards they claim you've earned. They currently owe us over $200 and have done nothing about it at the time of this review.

34.9% interest rate. My payment is always late but not past due. When it’s late they tell me I must change payment methods. To change payment methods I must call them. When I send them a message they call me rather than responding to my email. When I miss a payment they charge me $40 returned check fee. There is no option to pay with a debit card, only bank account. There is no express pay option so when I do make my payment I don’t have access to that credit until the next statement period. I have zero positive feedback about this horrible company. I’m moving business away from Firestone simply because of my experiences with CFNA as their financing option.

If I could give no stars I would. Worst decision I have ever made. Interest is ridiculous. I missed one payment and they called EVERY DAY, ALL DAY. I probably wouldn't be upset about the charges if the service wasn't terrible. Its hard to get appointment with Firestone and the two times I went they messed up my vehicle and I was charged ridiculous prices. DO NOT GET THIS CARD and if you can avoid it DON'T GO TO FIRESTONE EITHER.

WOW! After reading these reviews... I'm not surprised about the POOR experience I received with CFNA.
This company is absolutely the worst company I have ever dealt with! THEY ARE PREDATORS!!!
CFNA's Interest Rates are the highest in the industry!
CFNA's Late Fees are high!
CFNA's Customer service is extremely rude and not helpful!

THE WORST CREDIT CARD COMPANY!!! I LITERALLY JUST GOT INTO A SCREAMING MATCH WITH THE FRAUD DEPT SUPERVISOR. SO TACKY AND UNPROFESSIONAL. IVE 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, IM DONE WITH THIS COMPANY.

This is a high interest bearing credit card with no real value. Your benefits are limited to their own stores and not very large. It can take almost a month post payment to reflect on available balance. This card is only good in the US and no where else. My balance is luckily low enough for me to pay it off in a month and then cancel it. Not worth the plastic it is printed on.

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 - I did and explained and they were like we don't waive any fees.
I was like no way am I going to deal with this in the future - and mailed the entire balance 2 days later - so the transaction is paid in full - and I was not only declined to waive the late fee - but now they are tacking on late fees and interest - and put a blemish on my credit report. I am not paying them anything additional. I understand if I owe you a balance on a transaction for a service provided but this is just gluttony. And not to mention they call you every single day sometimes 2x a day from random numbers. Stay as far away from this company as you can. Terrible.

Really rude customer service and it takes 7-10 business days to get confirmation of account closure. They cannot use email or texting.

Scammers. Worst card ever. They won't answer so you can make the payment, the website won't accept the payment nor the app. Now you have a late fee of every month. You will owe the people til you die. $1200 credit and you will pay them quadruple or more. SHUT THEM DOWN! #SCAMMERS

$4 charge for maiming a statement

when we received the paper statement in the mail there was. $4 charge for sending the statement.
This is was not clearly explained if at all. I canceled the card and recommend that you shouldn’t do business with them

I reported a loss card on October 11, 2024. I’ve talked to 3 to 4 agents regarding the replacement. I have three different reasons why I haven’t received my replacement card yet. The agents are very friendly. But no results are produced. Customer Service sucks.

I have good enough credit, make enough money and have a good debt-to-income ratio that I should’ve been approve for a Firestone credit card. They denied me in less than a minute on their website. I feel they didn’t actually look at anything on my credit file. If automatically denying a potential customer without actually looking at all the numbers they provide you is how you do business, then I won’t be surprised if you file for bankruptcy in the next 5 years.