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UMB Bank Credit Card Reviews
657 reviews
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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]


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.

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 Bank Credit Card Q&A
Get answers to your questions about UMB Bank Credit Cards below. For more general questions, visit our Answers section.
What's the starting credit limit for the Classic Industries Credit Card?

The starting credit limit for the Classic Industries Credit card is determined based on a number of factors, such as your credit score, credit history and annual income.
Usually credit cards that require good credit for approval have an average credit limit of $7,500.
Even if you're not comfortable with your starting credit limit, you can increase it in time with responsible credit utilization.
But you must keep in mind, that when a credit limit increase is requested and not offered, it could result in a hard inquiry. This will affect your credit score for a short period of time.
What credit score is needed for the QuickTrip Gas Card?

Unfortunately, you can no longer apply for this card. In case you are interested in other cards with gas rewards, you can apply for, click here.
Can I use my QuikTrip Gas Card anywhere?

You can only use your QuikTrip Gas Card in QuickTrip gas stations.
What's their customer support number?

UMB shows on my credit report? How do I find the organization that issued this card?

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