Concora Credit (www.concoracredit.com) has a 3.3 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 51% rate it 4 stars or higher while 29% give 1 star; The business has replied to 65% of negative reviews. Last updated 2026-08-10.
What people say
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LBOE MUSIC · 3 reviews · Experienced 2026-07-21 ·
★★★★★
Concora Credit Inc is a scam
I accepted a credit card by this company. They charged me a $250 annual fee which I was ok with. but I tried to use the card and I was told it triggered a fraud alert and I needed to speak to a representative. The representative asked me verification questions such as addresses I've lived at and my uncle has lived at. I answered the questions correctly as I know where my previous addresses and where my uncle lives. The representative said I answered them incorrectly and my card was being frozen. I said if you are going to block my card and I can't use it than I have no use for it and just close the account and I'm not paying a $250 annual fee for a card you are not allowing me to use. They stated the $250 cannot be waived. So I am being charged an annual fee for a product I cannot use which is unacceptable and needs to be reported.
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Andy T · 1 review · Experienced 2026-07-22 ·
★★★★★
I had $500 credit limit and used $468…
I had $500 credit limit and used $468 of it, paid it before due date, cleared from my bank account the next day, but they put a two week hold on my available credit. I can't use the card until their hold is over until approximately next week. If it was like a day hold, that's fine, but 1-2 weeks? This is not a good service.
Application process was easy. Approval was quick. Received my card within two weeks. Activation was quick on the app and I was able to use it right away.
Reply from Concora Credit2026-07-21
That's great to hear, Keone. Thanks for leaving a review!
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Tracy Ryan · 1 review · Experienced 2026-07-03 ·
★★★★★
This company does NOT want people to…
This company does NOT want people to pay by mail, BEWARE if you have to send a payment by mail, make sure you get someone to sign for it because this is the 2nd time this company claimed it got lost in the mail !! Now I have been whacked with a very high late fee ! It's my opinion that this tactic is used to discourage paper bills.
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Sergio · 7 reviews · Experienced 2026-07-19 ·
★★★★★
This card is a scam..had me unfreeze my…
This card is a scam..had me unfreeze my credit report just to deny me. Bunch of idiots
Reply from Concora Credit2026-07-20
Hi Sergio. If you have questions about your account we are here to help. You can call us at 1-800-224-4960. Thank you.
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Wayne & Sarah Patriquin · 2 reviews · Experienced 2026-07-19 ·
★★★★★
Waiting process is discouraging
We've been consistent at making payments bi weekly. Lately it's been absolutely horrible and we have to wait up to 10 to 14 days in order to use the card again after making a payment.. I understand 24 to 48 hours but I don't understand 2 weeks when oftentimes people are relying on that credit card for food. It's a super sleazy thing to make people wait that long when they rely so heavily on the credit card for food and necessities for their family.
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Danielle · 2 reviews · Experienced 2026-07-11 ·
★★★★★
While Concora hides behind the lines…
While Concora hides behind the lines that they give a disclosure under the application process which is true in part, once you get the card they also use the terms and conditions of the creditor to arbitrarily pass on the cost of payment processor from the creditor to the consumer, by jacking up monthly fee rates in USD amounts, currently they hold at $19.95 a month, they apply this fee for each card they manage despite the amount of credit issued, it can be a card in which they manage payment of a credit line of $300.00, or a card they manage for $1200.00+, and or any other amount. Basically meaning in order to retain their contract with credit issuer (bank), they change the terms as a third party vendor as a payment process provider self incorporated and not the actual creditor, which is grounds for a class action lawsuit, for the unlawful fees increased as a third party vendor incorporated under a seperate contract between Concora and the bank provider, in which no user agreed to sign one contract for multiple entities, as it is hidden under the disguise of a credit card application. This means basically every credit card holder signed an amiguous contract that was NOT clearly disclosed to consumers.
Under TILA, credit card disclosures must be "clear and conspicuous". If the actual functional relationship between The Bank of Missouri and Concora Credit requires viewing a separate business-to-business contract that was never provided to you, they have failed to meet this standard. Legally, they cannot use a hidden corporate servicing agreement to justify charging unpredictable, balance-based fees that were not plainly understandable in the primary consumer agreement.
The Consumer Financial Protection Bureau (CFPB) explicitly states that a practice is abusive if it uses buried disclosures to limit a person's understanding of a term, or takes "unreasonable advantage" of a consumer's lack of understanding. By crafting a contract where a third party leverages a posted balance to trigger separate billing, they are exploiting a weak bargaining position to harvest fees.
Misleading "Fee-Harvesting"Federal rules restrict cards where total fees consume too much of the credit limit. If Concora Credit and The Bank of Missouri intentionally split their corporate roles specifically to hide these calculations from the consumer's view, courts look past the legal jargon to the economic reality of the deception.
Filing an Official CFPB Complaint is the best measure across all states concora and a particular bank creditor issued credit with.
Then a class action and continue, both parties are at fault not only Concora, but the specific creditor issuer as well.
As end note this also means Concora is pillaging an extra credit risk and potential consumer default loss of the creditor/potentially federal Reserve credits and interest(s) loss within the banking system. We are under attack as a nation folks.
These Payment processing providers that increase fees NOT under contract just to pay their damn bills are by design to destroy our banking institutions slowly family by family, individuals by individuals. A slow death of the Second realm of Rome, who only wanted to take the best of Rome, and leave out the worse, yet were baffled trying to figure out the good and bad of capitalism, and nobody wants to be found at fault, thus the guilty can walk away without any fault and pay themselves free to start again another round under a different entity.
Every time a payment such as Concora incorporates the original agreement to increase their fees it increases the risk of payment/default of a consumer, banks wake the fk up my old friend(s). One paycheck away because of inflation, or one cent of intelligence? You decide Bank Of Missouri.
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Roshelle Johnson · 10 reviews · Experienced 2026-07-19 ·
★★★★★
I had made a payment of 295.49 on my…
I had made a payment of 295.49 on my destiny credit card on July 9th. Payment posted to my account on July 13th. I went to use it this past Wednesday found out it had a hold on until July 19th. Agent could give reason why the hold was on the account. I still was not satisfied with agent response. Called in to speak to a manager. The manager advised fund would be release July19th at 5 am pacific time. I tried to use card to pay for my luggage to return back to home. Still funds are not available. Called in again got agent Nech on the line telling me she can’t locate my payment that I would have to wait until July 22nd to have access to funds. She reached out to supervisor . Supervisor which I didn’t talk to directly advised her to let me know funds would be available in 3 hours. Three hours came still could not process my payment for the checked in bag for my flight back.
Would not recommend. I don’t even use the card anymore, and I’m making extra payments but they keep adding fee’s and cash advances. Annoying actually because I’m trying to pay this shit off and get it off my credit.
Reply from Concora Credit2026-07-20
The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you have any questions, we're here to help.
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Steph · 1 review · Experienced 2026-07-18 ·
★★★★★
Terrible experience thus far
Terrible experience thus far. Hidden fees and such trouble just to start. Was approved for the card 2 months ago and still can’t use it.. now there’s a block on it? Come on, it’s a tiny line of credit. Why such the hassle? The terms and conditions were not clearly stated
Reply from Concora Credit2026-07-20
Hi, Steph. The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you need assistance, we are here to help. You can reach us at 1-800-224-4960. Thank you.
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Long Nguyen · 9 reviews · Experienced 2026-07-09 ·
★★★★★
The credit service poorly a service
The credit service poorly a service. They are not customer friendly, they protect their bottom line. I am hoping they customer support better in the future.
Reply from Concora Credit2026-07-18
We're sorry to hear you had a negative experience. We're here to help if you need us.
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Joann Lara · 1 review · Experienced 2026-07-15 ·
★★★★★
Horrible experience
Horrible experience! Do not get this card!!!!!
Reply from Concora Credit2026-07-18
Hi, Joann. We're sorry to hear you had a negative experience. We're here to help if you need assistance. Thank you.
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Ahmad Ali · 3 reviews · Experienced 2026-07-15 ·
★★★★★
SCAM alert!
SCAM! Do not sign up with them whatsoever. I was blindly approved for something, when I was supposed to be offered. And what was I offered? $300. And what is the ANNUAL fee for the first year? $75! Needless to say, I will not be activating that card and will close that account.
Reply from Concora Credit2026-07-18
The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you have any questions, we're here to help.
The annual fee is ridiculous if you’re trying to keep your 30 percent utilization the annual fee occupied 250 dollars
Reply from Concora Credit2026-07-18
The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you have any questions, we're here to help.
i have to move cinderblocks to get anything done via phone , dropped calls conveniently often and no resolve. my card wont go thru sparatically with no help.
Reply from Concora Credit2026-07-18
Hi, Samantha. We are here to help. Please call us at 1-800-224-4960 if you need assistance. Thank you.
I'm a little upset because there is no way to put multiple cards on the app. I'm stuck to calling in one account and using the app for the other. This is bs. Also they start you off with 250 on your card. I thought someone had got a hold of it until I called in and found out it was a start up fee. I wish I would have known this I would have went somewhere else for credit.
Reply from Concora Credit2026-07-18
Thank you for the feedback, Debora. The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. We're here to help if you need us.
The guarantee is what caught my eye. I wish that the annual fee for my card would have been advertised as well.
Reply from Concora Credit2026-07-18
Thank you for sharing your feedback with us. The Terms and Conditions of the account, including the annual fee, are disclosed before your application is submitted. If you have any questions, we're here to help.
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Rae · 1 review · Verified · Experienced 2026-07-11 ·
★★★★★
10/10 Highly recommend
Easy to access. Downloading mobile app is convenient and easy to manage. Customer Service ready to help with any questions or concerns.
Reply from Concora Credit2026-07-18
Thanks for sharing your experience with us, Rae. We appreciate it!
