card complete Service Bank AG Reviews 

One time the card got locked for reasons the company couldn't explain. In order to get through to anyone who actually can decide anything , one has to deal with AI bots for half an hour. They staff is best at shifting responsiblity to another department, some rules or algorithms and is most reluctant to comply with requests. To cut it short, the customer service is abysmal.

I remember that around 2010 the service was genuinely good. But year after year, the quality declined — and the downfall has only accelerated. Now Bank Austria has terminated its cooperation with them, and they even charge a cancellation fee of almost €10 per card/customer.

To me, this is a clear demonstration of how far they are from being a customer-first company. I’ve had too many bad experiences, and I honestly wonder how management has allowed this to continue for so long.

I am waiting for more than 3 hours to talk to a person. Within the opening hours. But no luck. Now, I want to cancel my CC. None of the provided self-service methods work since the card number has 14 and not 16 digits. Even the form to print and sign and fax requieres 16 digits which a diners club doesnt have (at least not the one issued by card complete). no matter what of the service numbers I dial, whether I choose the callback service or anything else, its just the repeating message from the computer voice.
Unbelievable. The webpage only sends you around in circles, the phone line has the recording only.
Are they out of business?

Support from operator was great, the automatic call responder should be also provided in english

Worst hotline experience
Use literally any other credit card provider like revolut or n26

After a decade of loyalty and consistently high monthly revenues, I expected at least a baseline level of competence from Card Complete. Instead, I encountered an astonishing display of inefficiency.

In September 2024, I dutifully submitted the requested KYC form. By October 2024, my card was abruptly closed. Three separate calls to customer service yielded the same baffling response: the KYC team simply hadn’t processed it yet.

Now, nearly half a year later, the situation remains unchanged—a testament to either staggering neglect or systemic dysfunction. Fortunately, I have since moved on to a provider that values its clients, and I strongly urge others to do the same.

Long-term customers who pay their bills reliably deserve more than this bureaucratic black hole. Avoid, there are better choices!

I ordered the Miles&More credit Card and only then I found out it is serviced by card Complete...
Where to start?
The card doesn't work abroad, the customer service is very rude, the user interface is on purpose silk difficult so you can't find the ways how to contact them with issues, the insurance doesn't cover what they promised to cover, and it takes them 3 months to check the issue.
I am now struggling for 2 weeks to find HOW I can cancel my contract, because they removed all information from their FAQ or forms... Writing messages and emails doesn't help because they don't answer...

Worst decision ever to get a credit card with these jokers. The app doesn't work, they don't "recognize" a New Zealand passport, and trying to cancel a credit card is nigh impossible, especially since no one seems to work for customer service.

Impossible customer service waiting times. No response via email, always waiting 30+ mins on the helpline.

CS agents are always super helpful, but you can‘t ever get through to one

For almost an entire month I have tried to write to Card Complete about Internet payments. I specifically asked four questions , which all were ignored. Upon my follow up the same person sent me again the same copy and paste e mail .
Finally I received the code only to get another code the next day. Once again I had to waste time to contact them and they were not able to find out why a so called secure code was mailed out two times in a row.

I have tried ringing twice and NO agent picks up the phone. I waited 30min each time.

I have sent by email the contact form and NOBODY has answered me. This was at least 2 weeks ago!

I have just sent their complaints department an email - let's see if that works.

Customer Service: 1 star!

((The phone number used was the EMERGENCY number - what a joke!))

My problem was solved within a few hours.
I got a call and an immediate help. I am grateful for this helpful lady who contacted me.
Every customer service should work like this !!
Thank you!

Extremely unfriendly Customer Service!
They answered my emails after very long time and answers cold and without care!
I wanted to become a customer and I got rejected for really insane reason!
I guess I will have to give my money to another Bank

4 or more days to transfer money, my own money???? come on people im not a bank to lend you my money, for nothing!!! this is an impertinence!!! ****%$%$!!