UMB Bank Credit Cards

Excellent credit card service. I've been with them for many years and have always enjoyed a great credit experience with them and no problems whatsoever!

I charged $90.52 on the gas card in ONE month but was billed a total of $209.52 because of their hidden service fees. NOT WORTH IT! They will approve you, charge you a $40 account setup fee, then suspend your account and say it is pending approval. They charge a $2 card whether you use it or not and if you forget to pay the $2, it is a $75 late fee.

Great app needs to be more savings and more cash back although the customer service is grteat. Everytime I call I always get it figured out. I think the app could be updated a little more so its easier and more slick

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.