Credit First National Association Reviews 

I would give a zero if possible. Opened a credit card at a firestone store and only used it at that store. Somehow my info was used for 5 separate purchases in Dallas Tex. I live in Cleveland Ohio and have never even been to Texas. The first three charges were removed after a few months but it was used a 4th and 5th time and I am getting nowhere with them to resolve this issue.

WORST credit card I have. Used once for a car repair (380.00). Hard to pay. I pay with my prepaid SS debit card every bill I have. 100% on time pay history on credit reports. Can’t setup online- won’t accept without a banking route & account #. Calling in does not give debit card option, have to reach a CSR to do. That’s a $4.99 charge to so over the phone. And they are not a 24/7; 7 days a week service. They also charge another fee for paper billing. I believe thats $3.00. And you’re automatically signed up for a paper bill. You have to opted out. Reread the paper agreement and no where does it identify these fees. Last pymnt was late due to not being able to phone in pymnt (not business days/hrs). Received text from “collector” 8 days after due date( I forgot). Immediately called CSR & made pymnt along with that $4.99 charge. Received notification from Equifax my credit limit was decreased by $500.00. For missing ONE on time pymnt in under a 30 day limit which is how pymnts are reported. Ridiculous company. Shady, underhanded BS. Paying off and that will be the end of that card. Do NOT recommend

Hidden Fees, No options to set up automatic payments. Difficult customer service. Customer service reps are following the script to the point of being disrespectful. Do not use these guys unless you absolutely have to. I have over 20 credit cards, and this is by far the worst.

Note: The customer service representative was able to issue a credit after a long call and after I asked to speak to a supervisor. Once she offered me a $15 credit, she followed the script to leave a review, but then abruptly disconnected me.

CFNA reported a late payment, which is completely untrue. I went with a debt management company who made the payment CFNA agreed to and in addition, I made the payment, just in case. They caused my credit rating to go down 71pts. They agreed they screwed up and still have not corrected the problem. I don't trust them at all and you shouldn't either. They're untruthful.

Do not borrow money from them. Total scam when it comes to the "promotional interest" they wiave it for 6 months and if you don't pay the balance in full by month 6, they charge you the accumulated interest of the first 6 months you had the promo! Garbage bank! Customer service doesn't even work with you! Do not recommend them to anyone!!!

If thinking about getting this card, don't. They closed my account after I paid it off. I wasn't in arrears, never late, never missed a payment but that doesn't matter to them. They say my credit score dropped so they won't renew it. I paid them!! No problems. Just like that because a formula and a machine told them to. No heart left to over ride decisions like that. I will never use Firestone again after being a lifelong (40 yrs) customer just decided to throw that away because 2 of my other accounts are behind. I still have good credit with you. I guess they aren't loyal so I won't be ever again!

Definitely not having automatic payment is pretty scummy. The notion that a bank can't schedule automatic withdrawal is either a sign of the company being incredibly incompetent or them using scummy business practices.

I got new tires at Tires Plus and got a 6 month Promotional Balance. I was told by the CFNA Customer Service that every payment that I made during the 6 month period would go towards the Promotional Balance first. Now, today they tell me that only the last 2 payments go toward the Promotional Balance. I questioned the Customer Service representative thoroughly so I could understand the terms. They switched the terms so they could charge me interest on my purchase. It's incredible that a company like Firestone would be a part of this.

I have had and used CFNA/Firestone for many many years. I have ALWAYS paid the balance in full and on time and most times right away. I just used the card 3 weeks ago for 4 new tires, couldn't pay it off until the statement came out. Paid it off. Just received a letter they are lowering my credit limit. WHAT???? Done with CFNA & FIRESTONE. SHAMEFUL!!

I had problems with my bank account for a short period and a few payments were returned on my CFNA Gills Point S account. When I found out the payments were returned I went online and paid the amounts immediately. The bank problems have been solved and yesterday I went online to pay my current bill. CFNA had placed a restriction on my account that keeps me from paying my bill with my checking account. I called and explained the situation and asked that the restriction be removed so that I could pay my account. The customer service person I spoke with refused to do it and said I could use another account. I told her that was the only account. I also pointed out that the system will not allow me to update the account. She said, that was my only option. I told her I wanted to speak to a supervisor. When I got him on the phone he parroted the same line of BS as the CSR I spoke with. I told him that I knew that he could have the restriction lifted. He claimed he could not which is a lie. He also said I could use an alternative bank account completely ignoring that I had just told him there is no other bank account. I find it mighty strange that a company refuses to take payment from the account holder on an account that is owed. CFNA needs to have better customer service and needs to work with their customers instead of against them. When if and ever I find some way to make payments to CFNA I will pay this account off and be done with them. I will also NEVER use Gills Point S credit for any service again. If a low quality company like CFNA is the type of company they use for their credit service it makes me wary of what type of quality I would receive from Gills Point S.

Initially, everything was satisfactory, but now it has become less so. After I added a second payment account (since changing or removing payment accounts is not an option), they continued to withdraw payments from the incorrect account number. Before I realized it, I received a letter regarding a returned payment, even though both payment accounts had sufficient funds to cover my payment (I always ensure this due to past experiences). Consequently, I was charged a late fee once more and they will NOT refund the late charge that was not my fault!

They do NOT allow autopayments. Unheard of? Yes it seems like they are the only ones. I was helping my elderly mom pay off and close her account and the man was VERY pushy towards her to try and get her not to close the account. She is struggling with her thought processes and it was obvious and yet he showed no respect, patience or kindness. I have a full POA but I like to let her be a part of everything as much as she can and he told me to stop talking. lol I am the decision maker. Please talk to your senior parent and advise against doing business with this company. This man actually said he was getting confused lol Maybe he should not be in customer service. We make calls together all the time about many financial needs with many companies and EVERYONE can always tell she needs extra patience and kindness, but not this one.

I've had a CFNA account since 2018, when I bought a set of new tires at Firestone with a six-month no-interest payoff. I paid off the tires, but have since carried a balance for other car repairs.
I finally paid the card off in full last month. Unfortunately, I forgot to disable the monthly minimum payment autopay on the card, and a $107 payment was taken from my account although no minimum payment was due. It's been over 30 days, and I still can't get my money back.

Horrible support, terrible platform.

You should not be in business.

No one ever came to the phone, there is no chat. I realize I have a balance I am trying to pay off, but after reasonable interest on the balance prior to this month they charged me 521.00 and change on a revolving credit balance of about 3200.00. what is going on here. I will keep going to our Local Just Tires Shop. They are fantastic. I will not use this card it will be paid off and closed.

I’ve had my card with CFNA for almost two years. Always made on-time payments, paying more than the minimum. I have an excellent credit score and people get busy. I was late on one payment and asked to have the late fee removed as I was making a payment. They said they couldn’t do it, but as a courtesy, they could remove $15. I have never heard of that in my life. Shows how cheap they are. Even worse, I’m pretty sure their customer service is overseas. You can hardly understand them.

This is the WORST credit company ever! There is no ability to set up an auto draft for payment of the account automatically. If you use the card, you better be good at manual book keeping. I missed my due date by 2 days because I thought I had this set up for auto draft, which apparently isn't ALLOWED through this bank - what century are they in? When I asked for the late fee to be waived, they denied my request and said that their policy states only 1/2 of the Late fee can be waived. The customer service operation is an off-shore provider with no access to upper level mgt to make additional concessions. Just DON'T USE THIS CARD. I've cancelled and will receive my confirmation in the paper mail in 7-10 days.

This company needs to be investigated for bait and switch tactics. In order to get VA Tire offers, you must use this card. You cannot make payments until post date and then it does not show until you get it posted with a late fee. I have tried repeatedly to pay my balance, but cannot. Whoever heard of a credit card not allowing you to make payment. HATE CFNA!!

Card is often declined even though plenty of credit available, Fraud dept says there are no flags, customer service dept is unhelpful and just says to try again in a few days and there's nothing they can do. Save yourself the trouble. Look elsewhere.

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.