UMB Bank Credit Cards

"If you want the worst experience, come to UMB" that should be there tag line. First, they send me mail to apply for a credit card (pre-approved). I have an impeccable credit history with a 760+/740+(credit karma/FICO) score. They declined without giving any reason. UMB - Unintentional Money Blunder

Closed account and now I have charges and the account was not closed ? Called to dispute charges so now I received a new card that I did not want in the first place. Waiting on them to close account after the look into the disputed charges

The website is buggy and hard to use. Trying to redeem my points was a nightmare that entailed bouncing back and forth between the rewards people and the UMB people countless times. Would absolutely not recommend.

I have a good selection of credit cards so I have a good idea of the pros and cons. The biggest con to me for many cards is simply the management. In this case their web site is absolutely horrible. The absolute worst. I just tried to set up an autopay and they give you two choices: 1) minimum amount, or 2) new balance. That's it. You can't set up any other amount. Calling customer service was ridiculous. They didn't even care. Just said "sorry" and that was it. Going to just pay this card off and let it sit unused in the safe. This is the worst card I have and it's not even close.

I had the the TX Rangers UMB credit card, the worst credit card that I ever had
I opened it on 2018, got approved I believe for $6,500. I spent like 350.00
they cancelled my account with out a phone call, an email. that was really low.
I was trying to use my credit card, and come to find out that it was cancelled
when I call the credit department, I was told it was because I have so many credit cards. how ever nothing have changed on my credit report. I owe a 758 credit score, and my credit utilization is 14%. because of them my credit score went down by 10point. Thank you UBM. when it comes to my credit score, I am very serious. this is my email: [email protected]

Although the perks seem great, their online interface is absolutely FRUSTRATING! And customer service is awful. You have to login to a separate website to access rewards (why??), but good luck getting into that website. For weeks now I have not been able to login because you are required to answer a security question. Problem is, the questions they ask are ones I have never answered in the first place (e.g., "In which city did you meet your spouse?"). So I can never get in and to email customer service is a 5 day wait to reply...then a curt non-helpful answer. I can't wait to cancel this credit card!! Try Capital One or Discover...they know what they're doing.

QT the store is great, but First National Bank of Omaha, who administers the card, is TERRIBLE. Their website is archaic and barely functions. Last week on payday (so, you know, a pretty important day for payment functionality to be working) I tried to pay my bill and when I hit submit, it looked like it was processing, then said that my payment couldn't be processed, please try again later. So I waited a few hours, assuming that their website was being its usual buggy self and that my payment would eventually show in the "Pending Payments" section. Hours later when it didn't show (and I hadn't received the normal email confirming I'd scheduled a payment), I took that to mean that the payment did not process (since, you know, that's what their website told me) and I tried to make a payment again. This one went through normally. I received the confirmation email and this payment (just the one!) showed in the "Pending Payments" section on the website.

A day later, the payment cleared my bank. All was well.

Until today, when a duplicate payment cleared my bank. Apparently "your payment could not be processed, please try again later" means "we'll process this eventually, but we're not going to send you any confirmation or show that this payment is still in the works." I called the customer service number on the back of my card, which has no way to speak to an operator or report a problem. I had to choose a random option (change address) that I thought would have to be done by a human in order to get in contact with a real person. When I told the woman what had happened, she looked into it and said that both payments had posted and that she couldn't reverse them. She could send me a check, however. I'd get it in 15 days. (She was very nice and as helpful as she could be under the circumstances.)

I said no thanks, I'd leave the credit on my account. So now I'm off to make a transfer to cover their mistake. I'm fortunate to be in the position to do this, and I just want to warn anyone who may not be able to make an emergency transfer to cover this terrible company's mistakes.

If you need this gas card, just hope that you don't have any problems you'd need to contact them about. And know that their website and payment system is buggy and if you need to contact customer service, you'll have to just pick a random number on the phone menu to get to a live person.

HSA account has convenient fees out the kahoozie it's unbelievable.
But wait for the gotcha...
They will auto-charge convenience fees, then charge you on top of them if you don't have funds in your HSA to pay off their convenience fees.
It's still amazing to me that practices like these can still subsist in 2019... but there ya go... don't get your HSA with UMB. We've switched to Optum and have never looked back.

UMB bought out our local bank card we had used for years, with no complaints. Suddenly a $16 charge was on our statement, we did not make this purchase. We called UMB IMMEDIATELY. We were told we would receive forms to fill out & sign. We filled in info, sent paper work back to UMW. Next month we received a statement with late charges. Again we called immediately. My husband was told not to pay the charges, UMB will take care of this complaint. Two months later our credit score was lowered. UMB said non payment was not reported. Over a year later UMB has not removed their mistake from our credit report. The credit report says UMB reported late payment. NEVER REMOVED!. Needless to say, card was cut up, will never use UMB credit card again. Mary & Gary Goss