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Concora Credit Reviews 

1,648
TrustScore 4 out of 5

3.8

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Review summary

Created with AI, based on recent reviews

Evaluating 1,592 reviews, reviewers had a great experience with this company. Customers frequently mention that the application process is exceptionally simple and that managing their accounts online is very straightforward, convenient, and reliable. Many people also point out that having these cards provides much-needed financial assistance and genuinely helps them successfully rebuild their credit scores over time. Though some customers noted unexpected high annual fees and surprise transaction charges that were applied right upon initial approval. Additionally, a number of users experienced frustrating communication problems when contacting customer support and dealing with sudden, unexpected account lockouts or payment posting delays. Some reviewers also mentioned receiving lower credit limits than expected or encountering confusing math regarding their monthly balances.

What people talk about most

Payment

Customers had ambiguous experiences with payment, reflecting a wide range of frustrations and occasional... See more

User experience

Users describe positive interactions with user_experience, noting that the process is generally simple and... See more

Price

Clients share negative opinions on price, reporting deep frustration with unexpected and hidden costs.... See more

Product

Consumers find the product to be a helpful financial tool, especially for rebuilding credit after difficult... See more

Customer service

Reviewers mention ambiguous feedback about customer service, highlighting both frustrating and helpful... See more

Reviews shaping this summary

Rated 4 out of 5 stars

I have 4 credit cards totally $2300 that I use with Concora Credit. With one I just recently was approved for that didn't say there was a $250 transaction fee attached to the approval. Other than that... See more

Company replied

Rated 4 out of 5 stars

Thanks, for allowing me to participate, though, its not much that I can says only short time is the use that I have posession of the card maybe some other time I be able to share my comemts

Company replied

Rated 4 out of 5 stars

While I am pleased with the card and the online app to manage the card, I really wish I only had one card with a higher limit instead of 2 cards. But I guess this way you make a lot more $$ off of me... See more

Company replied

Rated 3 out of 5 stars

Was approved for a $300 credit limit. But when I went to activate it they say my information is not found in the system. I asked customer service about it and they say my birthday is wrong, and that I... See more

Company replied


Company details

  1. #235 of 252 best companies in Non-Bank Financial Service

About Concora Credit

Written by the company

Concora Credit, 20+ Years of Service

Written by the company

Concora Credit is a service provider for banks,
focusing on helping non-prime consumers gain access to credit for 20+ years. A single purpose guides Concora Credit: to help non-prime consumers Do More with Credit. Through its credit servicing activities for issuing banks, the company has helped millions of consumers access credit through Private Label and General Purpose Credit Card programs designed for consumers with less-than-perfect credit. Concora Credit is the company of choice for merchants looking to offer greater access to credit for their customers because our flexibility delivers better outcomes at the point of sale and beyond. We see a bright future for consumers through our simple proposition, which can best be expressed in two words: Do More.

Contact info

Promotion box for Concora Credit

DO MORE with Concora Credit®

Nation's leading provider of credit programs for non-prime consumers

3.8

Great

TrustScore 4 out of 5

2K reviews

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3.8

All reviews

(1,648)

1,639 reviews in the last 12 months

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Rated 1 out of 5 stars

Absolutely horrible

Absolutely horrible. DO NOT TRY TO USE THIS CARD INTERNATIONALLY. I was told this card was good and clear to use overseas. I got to Italy and every single purchase was declined. Had to call 5 separate times, was told the same thing over and over, and then refused to be transferred to a higher department. They continued to say it was “security measure” with no further explanation and that they’d resolve it. After they “resolved it” 5 different times, they assured me the card was ready to go. It declined again, and again, and again. I told them of my travel dates a month in advance and was assured there was a travel alert on my card weeks in advance. When I spoke to them 5 separate times, not a single worker seemed to be aware that I was traveling. I asked an employee to transfer me to their declined transactions department and he put me on hold 3 separate times, then picked back up the phone to repeat what he’d already said. When I continued to ask to be transferred, he’d put me on hold then do it again and say “I can transfer you if you really want but we can’t override a declined online transaction.” I had to get to the point of frustration that I told him to stop picking the phone back up and transfer me. I have never felt so disregarded or disrespected by customer service employees. I wish I could give them 0 stars. Absolutely horrific treatment to customers and ridiculously unhelpful. I have never gotten to the point of losing my temper with customer service employees, as I am one myself, that’s how terrible this experience was. I have spent my entire first day of vacation on the phone with this bank and still received 0 help. Will be canceling this card ASAP and never return.

July 1, 2026
Unprompted review
Rated 5 out of 5 stars

I am surprised

I am surprised! This was a great experience

June 29, 2026
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Reply from Concora Credit

Thanks for the review, we appreciate it.

Rated 1 out of 5 stars

Concora is a JOKE

Concora is a JOKE! Don’t even set yourself up for failure. You pay your “bill” and on their end it takes up to a week for it to go through then they have the nerve to charge you a late fee…I canceled my account and it can go to collections because I refuse to pay it.

June 29, 2026
Unprompted review
Rated 3 out of 5 stars

Not sure why there is a $250.00 charge…

Not sure why there is a $250.00 charge before I ever got the card. Other than that all is good

June 23, 2026
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Reply from Concora Credit

The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you have any questions, we're here to help.

Rated 1 out of 5 stars

Ripping me off for a payment no…

Ripping me off for a payment no Customer Service absolutely pitiful any other company

June 30, 2026
Unprompted review
Concora Credit logo

Reply from Concora Credit

We are here to help. You can call us at 1-800-224-4960 with any questions about your account. Thank you.

Rated 5 out of 5 stars

Excellent Application Process

The application process is straightforward, along with quick notifications of acceptance/denials.

June 11, 2026
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Reply from Concora Credit

Thanks for sharing a review with us. We appreciate it!

Rated 3 out of 5 stars

the card yearly fee is astronomical the…

the card yearly fee is astronomical the card was locked no one informed me couldnt add to google wallet or paypal due to account locked marked as suspicious had to clear that up with a couple of phone calls I shouldnt have had to make. the associates are friendly but I think they work from home because of all the background noise I endured while they were "checking" my account

June 29, 2026
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Reply from Concora Credit

Hi, Jackie. We are here to help. If you need further assistance, you can call us at 1-800-224-4960. Thank you.

Rated 1 out of 5 stars

Got a non working card just to have to…

Got a non working card just to have to wait for another 1 to be sent. Fees to high annually to Not operate business better.

June 29, 2026
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Reply from Concora Credit

We are sorry to hear you had a negative experience. If you need assistance, we're here to help.

Rated 5 out of 5 stars

Happy experience

So far , it was a very simple process . I spoke to customer service once to ask a question, and they were very nice and knowledgeable. This far , I’m a very happy customer. The only negative thing , my credit limit was half of what Credit Karma said it was going to be . But overall, happy !!

June 25, 2026
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Reply from Concora Credit

Thank you for the review, Gregory. We appreciate it.

Rated 5 out of 5 stars

Wonderful Experience!

Card came fast, activating was easy, the process was simple! Love it!

June 17, 2026
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Reply from Concora Credit

Thanks for leaving a review, Sabra!

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