Your Credit Card Reviews (14)
Just pretty useless really
I have just closed my credit ...
Read more I have just closed my credit card…
I have just closed my credit card account after 7 years. The Coop do have some plus points, the front line customer support is always pleasant for instance (hence 2 stars and not 1). However they seem to simply lack the systems and skill to provide an effective service. Having joined them specifically because they supported Save the Children, you would have expected to have been told when your card no longer did that?...Apparently not.
You would expect them to recognize that payments were not arriving late when they had mistakenly recorded two payments in one month. Apparently not. At the very least you would have expected an apology when (after lots of phone calls) they recognized the error... Apparently not.
Finally, when you have a faultless payment record and exemplary credit rating you would not expect your credit limit to be reduced by 95%...Apparently not. Even if this did happen you would expect them to be able to tell you why...wouldn't you?...Apparently not.
Finally so annoyed I left for another supplier, who gave me nearly twice the credit limit I previously had with the Coop...in about 90 seconds!
So in a nutshell...The Co-operative Bank: worth becoming one of their customers...APPARENTLY NOT!
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...
Read moreI 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!
Cash back if you are a co op member.
Cash back if you are a co op member.
Easy to use and excellent customer service
A high quality bank that never fails to deliver the service I look for in a bank and a credit card.
COOP
The CoOp bank have the best service and the best credit card. I have been with them for 35 year and will never change.
Used to be good
Ok for emergency purchases would think that being a current account customer the rate would be better and you would get their cheapest deals without having to apply
Excellent Service and Bank
Always quality and supportive staff in banks, supported over the phone with any needs I've had. A+
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...
Read moreThe 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.
Great perks
I get lots of little treats, dividends and money-off vouchers!
A bit hit and miss
The Co-op bank can be a bit hit and miss. They messed up some of my credit card statements which caused me to get late payment charges last year so I was not a happy bunny!
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...
Read more 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.
