Your Everyday Credit Card Reviews (10)
Dreadful and ruthless customer service
Shocking customer service and ruthless in collecting late payments. Beware that they operate the old 3 day (at least) clearing system for payments. No fast payments here! Do not touch them with a barge pole unless you have...
Read more Shocking customer service and ruthless in collecting late payments. Beware that they operate the old 3 day (at least) clearing system for payments. No fast payments here! Do not touch them with a barge pole unless you have to.
I have (had) a IHG credit card which is provided by Creation. the only reason I took out the card was to collect IHG points. I pay my card off in full every month but last month I was charged £14 late payment. My payment left my bank on the 12th and arrived at Creation on the 15th which was apparently 1 day late. I received my statement on the 25th April and rang the call centre when I was told to write an email showing proof of my payment date. I did this on the 25th April (the date of my statement). No response for a few days so I called again on the 1st May and was told it would take 7 working days to consider. No response by 8th May so I called again as my next payment for May is due. Very friendly agent who could not help me and referred to her supervisor who told me I must make the late payment. I paid over the phone and immediately closed my account.
Appalling customer service
I prefer it when I don't have to contact a financial service provider because it means everything is going well... but I have been thoroughly disappointed by Creation's approach to customer service. Nobody knows what they're talking about, nobody...
Read moreI prefer it when I don't have to contact a financial service provider because it means everything is going well... but I have been thoroughly disappointed by Creation's approach to customer service. Nobody knows what they're talking about, nobody takes responsibility for putting things right, and it left a really bad taste in my mouth. I will be closing my account after only 6 months as a customer.
Easy going
Always someone to talk to if you have a question and all my queries were solved over the phone
Fantastic cashback credit card
Excellent cashback offers everyone you use your credit card
LOW INTEREST EVERYDAY CREDIT CARD
CREATION OFFER THEIR EVERYDAY CREDIT CARD WITH VERY FAIR LOW INTEREST RATES. BEFORE APPLYING YOU CAN CHECK YOUR ELIGIBILITY. APPLYING IS QUICK AND EFFICIENT WITH AN INSTANT DECISION.
IHG MASTER CARD
IHG REWARD CARDIf you are an existing IHG Rewards member and they ask you to change your credit card to Creation Finance Master card, do not do it. I applied for this card on line assuming it would just take over from the old card. How wrong was I....
Read moreIHG REWARD CARDIf you are an existing IHG Rewards member and they ask you to change your credit card to Creation Finance Master card, do not do it. I applied for this card on line assuming it would just take over from the old card. How wrong was I. After three times of them sending the cards to a wrong address so I had no idea that the account had even been opened, I am now on the bad creditors list for late payment.
Hassle free.
The website is easy to use, and I have a lot of warning before my minimum payment.
Fab customer service great rates
After a bank mix up I missed my card payment date by one day and they were very kind to remove the charge they had added and reinstate my balance transfer rate. Excellent customer service!
Brilliant card
I got the creation because there are no charges when using abroad, it's brilliant
