CFC Mobile Access Reviews

by Bvannorman

I can log in and see my balance without issue. When I try to make a payment it does not go through. It gives a red error with no message then when I try again it tells me the payment was scheduled but doesn’t save it.
If I go to the online website from a normal browser I’m unable to schedule a one time payment there. There is only an auto payment box and a box that shows existing schedules payments.
How am I to pay the bill if CFC doesn’t work and the online access from a regular web browser doesn’t work either?
This started with the update that dropped 2 days ago.

by Jeff072009

I have numerous credit cards (8), and I use mobile apps for each card. I just got this card to build my credit so that I can later buy a home. I have had so many problems with CFC! it’s the worse app for you to manage your money! And if you so happen to have to call the bank, (customer service) it is the worse possible experience. the call sounds hollow and you can barely hear the agent who is of course of asian decent and communication is terrible! And after making a payment on your account, it takes 8 business days to reflect and allow you to spend money off your card!

by Brooklyn's Realist

When I first got this card and then downloaded CFC , it worked GREAT! It was very simple and easy to use and very user-friendly. And it went great with Face ID! But ever since the most recent and last update, it hasn’t worked at all! Even though the face ID checks and seems like it works CFC keeps asking me to sign in again, sign in again and sign in again! It is absolutely ridiculous and to the point where I stopped using the friggin app!

I would ask that whatever “bug” is in the way, get rid of it, but I don’t think there would be a point to that. I guess I’ll be reserved to just logging in via a browser...

by Bbb Will Be Notified

First they have you make payment thru your bank which is fine except if they fail to take that money out of your bank account for a week and you no longer have the money they will access you a return payment fee. They did this to me. It has been so difficult to make payments to them I am at my wits end. I do not recommend this card company to anyone. They assess a $10 fee to make your payment by phone with a debit card. That’s excessive. $7 or $8 is fine. But $10 it gets ridiculous. I got this card to help me build my credit and I am never getting them again and I will not recommend them to anyone. If you got this card, do yourself a favor and cut it up.

by LisaB305

I’m tired of the problems CFC has. Every time I try to log on it doesn’t work. When I click on CFC all I get is a blank blue screen and then it closes. You all need to do better. I also dislike the fact that when I make a normal payment it takes up to two weeks for my available balance to update but you took my money out of my account as soon as I make the payment. I have to call in and be charged $10 to make a fast payment so my balance will update and I can use the card. I’m trying to rebuild my credit so I pay my bills with the card and pay it off every pay day. You all really need to put some time and energy into fixing CFC and how you handle our payments.

by Miss Ashley Sierra

I’ve had no problem with this card for several months and then all of a sudden, CFC went down as well a the website, both telling me I have an incorrect password even after resetting it, keeping me from being able to access my account in any way. Fortunately, they waived the fee so I could pay over the phone due to this inconvenience, but a month later and the problem has not been resolved. This is absolutely unacceptable and I’m about to close my account. I definitely do not recommend this card/app for anyone who likes to keep tabs on their spending and make multiple payments throughout the month as I do. It will only cause massive frustration!

by Nikkolmo

CFC is always crashing making it impossible to access your account. I have been trying to access my account for the past two weeks so I could make a payment prior to the due date but unable to login without an error message. Needless to say I finally just went to the website on my payment due date (after 5:00pm due to being at work) and the payment was considered to be paid the next day making my payment late. Also it should not take “up to 14 days for payments to post to account.” The money is taken from my bank almost immediately and the only for it to post is to call customer service and they call your bank to “verify” funds cleared. Also if verification of funds is what delays payments posting in a timely manner then there should be an option to pay with another source such as a debit card. Payments won’t post if funds are unavailable. For this to be a credit builder card they sure do make it difficult.

by Jaketg1

App never works right and refuses to connect to server. Makes paying and managing card impossible. They all ready take 10 days to process a bank payment and now you can’t even follow along to ensure it’s square. As I’m rebuilding credit, like others with this expensive card, we need complete transparency along with quick and accurate information about payments. Total FAIL. Capital One has none of these issues and it reduces anxiety over keeping payments on time and understanding your account situation. You want more on time payments then fix this... ... if your business model is dependent on late fees for profit in order for you to survive, then don’t fix it. ... but don’t cry when your smart customers leave you

by LaBelle053019

When I think of a mobile app in 2021 when it comes to anything technology related specially credit card companies. CFC is not it they should take a couple hands from capital one or discover because CFC leaves a lot to be desired I’m talking bare-bones from the user interface to managing the account. It’s just so underwhelming. Cant manag ur card or do anything related to your card on there at all. the only things you can really do is very minimalist things. Pay bill view statements view account activity. All very basic things CFC it self works with FaceTime but if not it’s entering ur password. Once again i rate it 1 outta 5 bc as a 22yr old i know what a quality interactive all in me credit app/bank app and this aint it. The website isnt any better. And its not like the cards are cheap the annual fees and monthly maintenance fees are very in your face so where is that money going because its not to your customer facing things i can tell you that.

by Lauralee3812

So difficult to know if you made a payment!!!! I just got this card and so far in payments scheduled it won’t tell me if there is one so I won’t know if it took my payment. This month I made a payment and you can only use your bank account and it flashed something quickly on the screen and went away so I had no idea if it went through..... And because it goes through the bank it takes days to see if it did and then you notice they didn’t get it and your account goes negative. Their app is finicky with pressing buttons and website just as much. I just want to pay and make sure they got it and make sure my bank got it!!! No nonsense please :(

by Very Hapy Customer

I love my cards first off. But my issues are with the difficulty it is to switch from one card to the other. Either there needs to be a way to download CFC extra times or access to switch from one card to the other within CFC itself. Like when I'm checking my surge account then I would love to be able to click an be able to switch to my fit card information. Could you please work on that issue or tell me if I'm missing something in my app. Right now I ck surge and have to go back to App Store to pull up my fit information. Please help me out!!!!

by Skbwhite

CFC is okay as long as you are using it for the basic necessities. For example viewing the purchases you have made and your remaining balance on your card. It is not very user efficient in the sense that every time you make a payment through CFC you have to re-enter your payment information, it does have the option to see your statement from CFC and there is not contact information for you to update address or email if necessary. Definitely needs more development in functionality, but okay for the basic needs.

by Zhiggiez

CFC is very convenient but the company takes too long to report your charges and payments. Also, I’ve had the card for two months and still hasn’t reported to the credit bureaus. I’m trying to build credit and it’s just really slow all around. The card is great, haven’t had any issues using and CFC is fine as well, just too slow in getting things to show up and report.

I have other starter cards and they report the same or next day. Hopefully things improve.

by JWW Of Maine

CFC is clear, simple, and easy to use. It doesn’t have all of the bells and whistles found on major bank and credit card company apps. For instance, it doesn’t currently allow fingerprint access; you must re-enter your password manually each time; it doesn’t save your bank account information so you must re-enter it before you make every payment. That said, it’s still better than my local community bank app and it’s very crisp and clear to read. I’m sure they will continue to add updated features as time goes on. I would give it a 4.5 star rating is that were possible.

by NoPlausableNickname

I do love CFC and the ease to work with it, the only “complaint” is that I’ve tried on numerous occasions to change the name so I know what card it’s for, but I have not been able to do so. It could even be operator error, but other than that.....
Ok, there is another thing..... my payment is due in the 4th of the month..... somehow it slid past me this month - but I did remember it a day late and I spent pretty much my entire day trying to make a payment but for some reason I kept getting an error. Know when it FINALLY let my payment go thru? You guessed it - not until it registered the payment date of the 6th.

by New To CFC

Since the recent update I’m unable to check my credit card information. Before the recent update I could see and check all the information about my card now I logged on this morning and it attempted to log me in but then my screen went all white I’ve deleted CFC and reinstalled and when I try to log on the screen is still all white any suggestions?

by Crafty Panda Girl

It’s not a bad app, I’ve never had any issues and the new improvements are great.

I have two issues. One is that you can’t set up auto pay in CFC but your payments are listed as auto payments, so I got confused, thought I was on auto pay and paid late one month. I would love to actually have auto pay through CFC .

The other is that I had a Cerulean card and added a Reflex card. It appears you can only manage one card using CFC . I’d love to manage both of my this app cards in one place. People are busy and distracted. The easier things are, the better.

by Ashirea

I just got the card so I’m only reviewing CFC . It’s fast transparent and easy to use !! It does save your account info and have Face ID if your using an IPhone not sure why someone wrote it doesn’t. I will write a separate review on how long it takes to report my payment. Payments (to be credited the same day) must be made before 5:00PM. Someone said it’s a small bank but my balance isn’t small !! :) I’m looking forward to seeing what’s to come and working with them.

by Professer Mike

I want to say that CFC is good but could use some updates and new things that should be added to CFC as well I think Apple Pay should be a feature that should be added to the card and the application I also think that the checking and savings information is good but should add more things to it like paying with a debit card or setting up auto pay I also think that the debit card should be chip enabled as well. I think the card should be used at the gas pump and at hotels and casino what’s the point of having a credit card if you can’t do those things I also think we should be able to set up our own PIN numbers for the credit card instead of sending one out. I also think that the application could use some updates or a new look to it because you barely can see your recent transactions

by Dharr95

I have had the reflex card for approximately 1 1/2 years. Started with a $300 limit and raised $300 every 6 months. I’d like to see more than a $300 increase, but is consistent, and better than than the other cards I have. At first, I was not happy at all with CFC , but improvements have been made and is a lot better now. I’d like to see the chip added and be able to add to my Apple Pay. But overall happy with this card.

by Tonyasue01

CFC is ok I have two different credit card from this company and I have to sign in and out with different user names and passwords with is a pain I wish they would put both accounts in the same place like most credit cards do !!! Also we should be able to use our credit cards to pay for gas at the pump and should get credit increases for paying on time instead of having to get a new card . That’s just a way of getting us with more fees! That’s not a reward for making payments on time .

by Iphoneuserinmaine

Nice layout however could use some improvement. 1. When making a payment, it would be helpful to have another option to pay the minimum. Right now, it asks if you want to pay the entire balance or another amount. Give the option of all three just like every other credit card company in the world. 2. When making payment through CFC , it takes a long time and then I get an error message. Very annoying. Fix these two things and you will have a SOLID app on your hands. :)

by Randomnicknamelessthan30

Decent app for what is offered. I would give 5 stars if two things could be upgraded on CFC . First, is to save bank information. I really don’t want to renter my bank account information EVERY time I want to make a payment. It limits when I can make a payment depending on if I have my bank account information available to me at time of wanting to make a payment. Second, is to be able to use either Touch ID or facial recognition for password. Make those changes and I will make the change to my rating!

by Bucky Bvr

There’s no list of contact numbers. Also making a payment I need to re-enter my banking info plus it gives me no option to make a payment to make funds available sooner than the two week wait time I get for my payment information to be updated. You should update CFC as my payment cleared over a week before you finally add the amount to my funds available. There’s no where in CFC to request an increase nor was I ever told how long it would take. So much missing even after charging so many yearly fees?

by Kollette27

That said, I just did an update and it just sits there all dumb like when I open it. Just a blank blue screen. I reset my phone, uninstalled/reinstalled...nothing. I think this version is broken.

No Touch ID is fine for me personally, as I don't even use Touch ID, with anything. Matter of fact, it's never even been turned on with my iPhone 7. Technology is great: when it works, but I seem to have the worst trouble with it malfunctioning. Just one more headache I don't need.

PLEASE fix the latest version!!

by Annaloko

CFC has come a long ways. It’s changed quite a bit since I first got with it. Before my payments would take approximately 7-10 to clear and update. Now, I can pay today and be credited tomorrow. What a difference.... I can maneuver CFC much easier without getting frustrated that my attempted actions weren’t working correctly. I’m honestly impressed how far we’ve come together. This card has yet to fail me.

by EQUAN 1966

This is the worse app ever - I have set up scheduled payments and there is no payment made - I’m gonna pay this card off and not use it again - Friday I scheduled a payment to be made on yesterday (sat) there is nothing indicating the payment was made my designated bank does not reflect any payment - nothing!!! This is not the first time this has happened. I have to get rid of them before they ruin my credit!!!!

by BLK1958

I have several cards with pretty good apps. I thought CFC would be lame but I was wrong. When I downloaded there app I was pleasantly surprised. It’s better than my other apps I’ll not give card or bank names but there well known credit cards. I wish I had applied with this card first it would have stopped hunting down a great card or bank credit card. Good job !!!!

by Hydrogod1

Awesome card only one feature I don’t like, when you make a payment you have to wait a week for it to go through and to myself that to long for a payment to go thru and apply to your credit line ... other then that wicked awesome app and card!!!thank you access for the chance of rebuilding my credit... Kyle berry