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The Co-operative Bank: Credit Card reviews

Name: Credit Card
Rating: 3 (34 reviews)

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2.38

Based on 34 reviews, last reviewed 16th Feb 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

32%

15%

29%

Latest highest rating:

4

They are a good bank, Always helpful, They are a good bank, Always helpful, but can sometimes be a bit over zealous with the fraud bit, stopping sending payments, but I know they are prote... Read more Reviewed on: 24th August 2024

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.

The Co-operative Bank Credit Card reviews (34)

Review of the The Co-operative Bank, Credit Card:

Just pretty useless really

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! Reviewed on: 16th October 2019

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

GOOD SERVICE

HAD NO PROBLEMS WITH MY CREDIT CARD EXCEPT IT SUDDENLY STOPPED BEING AN OXFAM CREDIT CARD WITHOUT WARNING ME Reviewed on: 23rd November 2019

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