The Co-operative Bank Credit Card Reviews

Ratings based on 12 reviews Last review 2 months ago

The Co-operative Bank Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do The Co-operative Bank customers like? Find out more about the The Co-operative Bank Credit Card by...

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The Co-operative Bank Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do The Co-operative Bank customers like? Find out more about the The Co-operative Bank Credit Card by reading our trusted Smart Money People reviews. You can also write your own The Co-operative Bank Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Your Credit Card Reviews (12)

15th April 2019

After 40 years I have to leave these cowboys!

I have banked with the co-op since turning 16 years of age (40 years ago). Never been overdrawn in my life, no defaults ever with ANY lender, never missed a mortgage payment, top credit score with all agencies and have had for many years. I cancelled...

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I have banked with the co-op since turning 16 years of age (40 years ago). Never been overdrawn in my life, no defaults ever with ANY lender, never missed a mortgage payment, top credit score with all agencies and have had for many years. I cancelled a Credit Card with Barclays and thought I would use my lifelong bank as they ALWAYS ask me to take out a credit card whenever I use phone banking. I asked for a modest credit limit (about equal to 1 months salaries paid into the bank and have been declined with no reason. I checked with he credit agencies as they suggested in their letter rejecting me, yet I have an "excellent" credit rating with all of them. My current account never has less than the credit limit in it as well. I only asked for a modest credit limit (less than half of the size of the Barclays account I had cancelled. After being messed about on the phone for two weeks now and still no reasons for the decline, I have decided to leave after 40 years with the bank. I cannot continue to deal with a company that can't even give me a simple logical reason for declining a trivial credit limit card and they apparently do not either value that loyalty or care that I am leaving. If you are thinking of using Coop bank for anything, I would suggest you look elsewhere because they clearly have zero loyalty or respect for long standing customers. I am surprised they can afford to lose customers with their well publicised financial irregularities and worrying solvency!

6th February 2017

Useful cashback, good for local Co-op shopping, website complicated.

The online service is more complicated than my other bank accounts when it comes to signing in! (4 steps) Delay in adding new transactions but overall a useful card, used for all general household shopping with the exception of online purchases , for...

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The online service is more complicated than my other bank accounts when it comes to signing in! (4 steps) Delay in adding new transactions but overall a useful card, used for all general household shopping with the exception of online purchases , for which a different credit card is used with a much lower credit limit.

29th August 2015

Loyalty seems to count for nothing when it comes to the Co-op

I had a Co-op credit card for years and used it regularly. As I got older I was paying it off in full but early on they were getting interest from me on a regular basis. I had a habit of losing it however and did have to call a few times for...

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I had a Co-op credit card for years and used it regularly. As I got older I was paying it off in full but early on they were getting interest from me on a regular basis. I had a habit of losing it however and did have to call a few times for replacements and here they were fine.

The problem started when I lost it a few days before Christmas. I phoned to cancel it and was told that the new one would arrive soon and it did. The following week I received a letter to say that the limit was now less than 10% of what it had been due to a missed payment before Christmas. When I checked they were right, but it had been missed before I reported it lost yet nothing was mentioned on the phone.

I phoned to let them know that the £500 was no good to me and as I had been with them for so long and run the account well, asked could they raise it. They refused and said they would see how things went and they did eventually raise it but no where near what it had been so it was time to go.

All in all, they are fine if things are going well, but make a mistake and they don't want to know. They managed to change what had been my error into a lost customer.

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