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The Co-operative Bank: Credit Card reviews

Name: Credit Card
Rating: 3.06 (35 reviews)

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2.70

Based on 35 reviews, last reviewed 17th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

34%

14%

29%

Latest highest rating:

5

low rate credit card with interest free periods on p... low rate credit card with interest free periods on purchases, low balance transfer fees Reviewed on: 17th April 2025

Latest lowest rating:

1

They don't employ enough staff to serve the Customers! I switched to the co-op when tesco switched to barclays, could not be doing with blood money. So the co-op is supposed to be more ethical and that is... Read more Reviewed on: 16th February 2025

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About this product

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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The Co-operative Bank Credit Card reviews (35)

Awful

I have had recurrent issues with their visa card. Transactions get declined - even to the companied I have paid to before. I have had to call them a couple of times each month recently to get payments to go through, and even that can be no straight-forward task. Each time it has wasted over an hour of my time. Speaking to them is utterly frustrating. Don't waste your time with this hopeless back that has got worse and worse over time. I am closing my account with them. Reviewed on: 4th December 2022

Good service

I like this bank never had problems Reviewed on: 28th January 2022

Good bog standard credit card

If you pay off your bill each month, don’t want lots of hard sell and you don’t want lots of hassle then this is the card for you. Reviewed on: 23rd January 2022

can't cancel lost card online, long wait for phone

Been with coop about 15 years and probably speak on phone once to twice a year. the wait times seem to have got longer over time. A few weeks (Jul 21) back i misplaced my card and needed to cancel it. the phone line wait was over 30 minutes so i went to the website as the recorded message suggested to use the chat feature. Chat was not available and nor was there any way to cancel you card online. I eventually had to submit a request through a general query form. It took 3 or 4 days to process this and was not clear what had happened as my online account had now totally gone! I this time waited in the queue ~20 mins and once I got thorugh the staff member explained what had happened very clearly and reassured me. However I do thin this shoudl have been clearer and easier from the website if it is going to take a long time to get thru on phone. Management should either improve the website offering and/or increase the number of help staff to take calls. those they have are very good. Reviewed on: 31st August 2021

Excellent Bank

I have always been treated with the greatest of respect and courtesy, the customer service team are excellent. I would always recommend the cooperative bank to people. Reviewed on: 14th April 2021

Online use is a bid waste of time

Numerous time now of card rendered unusable after trying to use online and can take over 24 hours to sort out. To get it sorted out can take up to one and a half hours on the phone to start the procedure. I have had a Co op card for many years for ethical reasons but now it is getting to the stage now it is unusable online. Reviewed on: 30th December 2020

Online nightmare !

I am adaptable to change, but what the hell!!! Who on EARTH thought they would IMPROVE the online banking to make it practically impossible to use? I have had several attempts to see if I can navigate my way around ... its im-bloody-possible!! I simply have not got the time to try and work it out, it will be quicker to wait until the paper statements arrive. Looking for a new business account now. Reviewed on: 30th July 2020

NOT customer led ethical Bank!

After 30 years of being a customer with no problem ever paying back credit , this customer led ethical bank has slashed my credit card limit by 80% within a week of sending a letter with no explanation! Even their own customer services team could give me no reason other than saying they can do this within their terms and conditions. This is whilst pushing out rubbish marketing nonsense about caring for customers and wanting to help where possible in this pandemic!!! Couldn't have been less helpful at a time when everyone only takes credit cards! Thanks alot Co-op bank...really feel valued after 30years.! Reviewed on: 28th July 2020

Brilliant service

On the rare occasions I have to contact the bank I always find the staff friendly and knowledgeable. They understand why I am calling without my having to tell them repeatedly and they always get the matter resolved very quickly. Reviewed on: 11th July 2020

Zopa has more experience about customers Services

Zopa aims help more people about financial problems Reviewed on: 8th February 2020

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