UMB Bank Credit Cards

Do not get this card, bad experience with customer service, high charges. Called several times to cancel a card, was told everything that I was canceled and they kept billing month to month for unspecified charges.

I have had a credit card with UMB for close to 30 years. The online website changed and I recently went to pay my monthly bill (in full as always). Their “autopay” feature stated it would automatically deduct from my checking account whatever amount I stated on the due date. I set it up to pay the balance in full. Roughly one week AFTER the due date, I noticed the payment had not been made. I called UMB to correct the situation and ask that the late fees be removed at the time. I was told that the first time autopay is used there is a delay- but they agreed to remove the late fees. What they DID NOT tell me was that my new statement balance (which should have been 0)carried over the amount from the previous statement. So- fast forward another month, and I discovered that they continued to pull money out of my checking account THAT I DID NOT OWE to the tune of over $3000. So, now I have a useless credit of over $3k in that account and will wind up with late fees for other bills. I called their customer service line and was told the situation was my fault, there was no sympathy nor apologies made, nothing but somehow them making 2 months of errors was somehow MY FAULT. I have never had a late payment, now I will have a handful. They told me the best they could do was mail me a check for the amount that will take 14 business days to arrive. I agree this USED TO be a good bank. The credit card website is terrible, not user friendly at all and their customer service is atrocious. There are too many good banks out there. Stay away from this one.

Excellent bank to work with! Been my bank of choice for years and never a letdown. Always pay your bills on time and they reward nicely!

"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.