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.
Reviewed on: 8th May 2019
