Credit First National Association Reviews 

I wish I had seen all these reviews prior to signing up for the card at Sun Auto. Sun Auto is a wonderful service center, but CFNA is a SCAM! I tried to pay off the promo that has balance due in February. I called them and explained what I want to do and the person I spoke with confirmed the amount,etc. Yet the payment did not go toward the promo. I called to ask why and was told all payments made go toward the revolving balance, not the promo. The only time you can pay toward the promo is the two month prior to the due date. They refused to move the money even though the person I spoke with did not say a word about this on the phone when I made the payment request. DO NOT DEAL WITH CFNA! They are a SCAM big time!!!

The worst company I've ever had the displeasure of dealing with, in any context. They use incompetence as a business practice, make their services intentionally obtuse and put as many barriers between you and your account as possible so that they can accrue more interest and late fees. Did not receive my card for over 6 months, and only after threatening legal action did I receive my card. Here's the kicker, you need your card number to access their website AND their phone service. So, you have no recourse until they take the initiative to call you about missing payments. An absolute scam and disgraceful company.

They evidently do not allow for a mailing address entry when the Firestone Representative fills out the application or the rep I dealt with chose to ignore my specification that I cannot receive mail at my street address so be sure to input the mailing address as my PO Box. I found this out when I called because I had not received my card. To fix the address I was going to be required to gather documents and mail them... yes... snail mail. I paid my balance in full and told them to cancel my account. I told them I might consider doing business with them if they gave me a million dollars.

It was quite impossible to receive a dime despite their assurance if not ganet*springs i would still be pleading with them for with~drawal

They don't have automated payments which is just a way for them to ensure mor mistakes and charge late fees. They have promotions that are nearly impossible to pay off. I called specifically to pay a promotional balance over the phone them person said that was not a problem and while the payment went through it did not apply any to the promotion. When I called they said that you can't apply payments to promotions

The customer service is very bad after questions to verify my identity the lady said you need to send the email, to unloked your internet, only because I not remember the last spend was like two years ago, I can pay because I don't know my balance. people like work in this company like customer service not have idea to handle the customers.

If you do not have your physical card, you are not able to access your information. I paid off my balance before the 6 month SAC term was up, and they charged me $241.00 in interest because there was a balance of 5 cents. I had to pay that 5 cents through my bank before they would write off the interest.

They delayed accepting my payments so they could make me delinquent. They said my electronic payments from my bank were the equivalent of bad checks when they were not. They are a corrupt, awful credit company. I just paid my whole debit and will never use my Firestone credit card again. I will continue to go to Firestone to get my car serviced but use my MasterCard from now on.

No auto payments!!!! no reminder interest free is expiring!!! They suck. Super high interest. will NEVER use again!!!

This would be the one and only credit card that I have ever had issues with. Most customer service department with a credit card is phenomenal and I would have to rate this company as a zero. I had fraudulent activity on my account back in July and I’m still battling with this company to have the charges removed and the interest removed. Each and every time I make a phone call nothing is ever settled. Nothing is ever directly answered, and then they try to charge me for the interest on the fraudulent charges, I absolutely refuse to pay. I have never spent so much on phone with CustomerService without getting any resolution and or answers. This case has been in the hands of fraud department since mid July and it says it takes between 30 and 60 days to resolve matter. How and why should it take this long? Pretty straightforward, but it doesn’t seem like they want to resolve the issue. They just want to linger hoping you’ll go away quietly.. which I will not. if this matter isn’t resolved soon I will call and report them to consumer protection agency and the Better Business Bureau. Please do not ever get this credit card or anything related to this company.

Someone accessed my account and changed all my personal info to an address on the other side of the country. I did nothing wrong but they made me jump through so many hoops. They changed my card number and removed my access to the online portal. I had to jump through so many hoops to get things fixed and it took over a month. Long story short, I never made it back in successfully so today I just closed my account.

Don't use this company unless you want to waste hours and hours arguing with people who will only repeat the same sentence over and over. Terrible customer service, shady charges, and seemingly illegal procedures. Absolutely awful human beings. STAY AWAY!

Do not use this bank card. I've had their account for years and I was always making my payments within 6 months to avoid the interest. My daughter moved home I let her use it for brakes I accidentally missed one payment because their payment dates are dumb. They charged me $35 so I didn't pay it and I asked them to refund it instead they charged me another late fee of $41 so I'm just going to let the card go into default. I have tried with them. They have no respect for customers that pay their bills on time but miss 1 in a 5 year period by mistake

I’ve been a CFNA customer with a Firestone credit card for eight years. I have automatic payment in my Bill pay and I always pay more than what I owe every month. I’ve never been late and I used my My Firestone credit card to to get my car fixed and that’s about the only place I go. I’m just having a little bit of trouble. It’s Temporary. I’ll be back on my feet in about a month or two, but I still kept up the payments. I never missed the payment, but they canceled my card. Do not trust them. A good customer for eight years. Never missed a payment. Paid them even more than what I owed them every month, but they still canceled me just because I am having a temporary hardship and their computer said I didn’t meet their criteria even though I never missed the payment even during the hardship.

I would rate it worse if I could. Customer service is terrible, website glitches and won’t let you log in when you can customer service their response is they can’t help you, when you speak to customer service to handle payments over the phone they never actually submit it causing additional late fees and poor credit reports I have been using them for over 2 years and it’s been nothing but problems

I had a $1900 credit limit on a Wheel Works card. Never missed a payment, had the card for around 3 years. I used it in around Jan 2026 no problem, been paying on time, balance was only $747 as of Jul 2026. Should have around $1100 available, no? I was going to buy new tires for my car, made the appointment, and showed up to the shop, and it turns out CFNA decided to cancel my account without notifying me. When I called their "customer service" line, all they said was a "routine review" found I no longer met the requirements to have their card. What a way to treat customers! Avoid them at all costs.

This company should be shut down! As a Senior Citizen I really thought my payments would end in OCT. I JUST realized that they are NOT charging the monthly amount I SHOULD be paying, for a zero-interest payoff, so now I have to come up with extra money, every month, to make sure I get it paid off and I'm not charged a high interest fee. So DECEITFUL!!

Predatory lender disguising themselves I incompetence. The legal term is bad faith. They have no intention of doing business honestly.

I originally applied for CFNA card at Firestone. 0% APR for 6mo. Maybe a discount as well for opening acct. I don't remember now. The store provided no addt info, which is fine. We have this service called the postal service that's existed for hundreds of years. You open an acct & you get a welcome package with your card in the mail.

I never received a card nor a statement. So they called me to say I missed my first payment. I asked how am I supposed to pay if I have no acct # & no statement, no way to contact them. I asked what my acct/card number is. They refuse to tell me. "That info isn't available over the phone. That comes in the mail." I'm able to get late fee waved & set up payments to pay off in full before promotion ends. I find out they've got my address wrong. I correct it & request a new card. I still never received a card nor a statement. But I don't really care, because it's paid off.

Recently, I purchase a single tire at FS. The store says they can charge it to the acct, no interest again. Once again, I get a call saying my payment is missed. The call woke me up, balance was $160ish, so I just said pay it full with bank acct on file. Once again I tell them I've never received any correspondence, except text demanding payment. And the calls. No mail, no email. No actual acct info in writing. I confirm my address, again.

I read some reviews & discovered they charge $3.99/mo for paper statements. So I called back at the number that had called me. Automated. It asks for my card number. The one they never sent me. I press buttons until I get a person. Of course it's another heavy accent lady who whisper talks. I repeat myself dozens of times. Confirm my address & phone number at least 6 times. I have never received a bill. I don't know my account number. They won't tell me my account number. That's sent through the mail. You know, the mail they never send.

I get transferred & on hold for 20 minutes. Again they blame the post office. Again the refuse to give me my acct #. Again they offer no solution. I explain to them that I shouldn't be penalized for their incompetence.

I cancel payment. The new lady on the phone, who speaks clear English, does the math, removing the late fee ($30) and interest ($2) and all the $4/mo statement charges (the ones I never received). I still "owe" the money for the statements I never received, but now I can pay for just the tire. $67. How did a tire drop by $100? Almost $70 in statement charges. They had charged me statement fees for the first purchase as well. I would have seen this on my $4/mo statements, if they actually mailed them to me.

I’ve been with CFNA for 8+years never had an issue with payments. However, I was charged $29 late fee and they cannot refund it back I’ve never asked for any fees prior to this. The gentleman was pleasant to work with however their policy on fee refunds suck when I’m done paying this off I’ll close the account.

They just want to take advantage of you so steer clear!
You sign up in hopes to get an expensive auto repair payment expedited when you do not have the funds to do so. Sure the promotional deal is the eye candy of the initial exchange, y'know the 0% interest for X amount of months.

What they don't clarify is that there system and there even worse representatives lack the cognitive function or empathy to be of actual help when they bugger up something.

They also do not have a hardship program in the event of extreme life events, they do not care about you, only your money and the ridiculous interest they want to charge.

Read the fine print because they're TOS is "non-negotiable" and they'd rather watch you struggle and burn when all you need is understanding a bit of assistance.