Review Insights · App Store
Concora Credit
CONCORA CREDIT INC. · 1,334 ratings · ★ 3.1
3.1
★★★★★
1,334 ratings
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Top complaints - extracted from 75 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"card"
32 negative reviews mention this · 43% of all complaints
★★★★★ "Concora credit. The indigo credit card the app you guys have sucks you need a new app. You need something that is better. It’s not a good app at all. It keeps getting he keeps making me change my password. The app sucks. You can’t see your full account on …" - tuffdragon
2
"credit"
21 negative reviews mention this · 28% of all complaints
★★★★★ "Concora credit. The indigo credit card the app you guys have sucks you need a new app. You need something that is better. It’s not a good app at all. It keeps getting he keeps making me change my password. The app sucks. You can’t see your full account on …" - tuffdragon
3
"account"
16 negative reviews mention this · 21% of all complaints
★★★★★ "Concora credit. The indigo credit card the app you guys have sucks you need a new app. You need something that is better. It’s not a good app at all. It keeps getting he keeps making me change my password. The app sucks. You can’t see your full account on …" - tuffdragon
4
"sign"
13 negative reviews mention this · 17% of all complaints
★★★★★ "Terrible credit card. Not able to sign in app and payment is late so not fare and now the option to pay with my debt card that’s quicker service than using the router number is no longer available to use." - Meshu69
5
"every"
12 negative reviews mention this · 16% of all complaints
★★★★★ "I need to sign in manually everytime. We could use the facials log in" - L2faiv
6
"credit card"
11 negative reviews mention this · 15% of all complaints
★★★★★ "Concora credit. The indigo credit card the app you guys have sucks you need a new app. You need something that is better. It’s not a good app at all. It keeps getting he keeps making me change my password. The app sucks. You can’t see your full account on …" - tuffdragon
7
"login"
11 negative reviews mention this · 15% of all complaints
★★★★★ "Login in error. App keeps refreshing after I try to sign in. I’m unable to sign in" - nikiiiiiuuu
8
"payment"
10 negative reviews mention this · 13% of all complaints
★★★★★ "Wtf. Why won’t it let me make a payment. It’s saying update app but it is updated" - RickyRantz
9
"cards"
9 negative reviews mention this · 12% of all complaints
★★★★★ "Card is okay. I have 3 cards thru them I had to fight to get one of the monthly charges to get off because what do u mean your going to charge me a fee when I haven’t even used the card yet" - teenamarie1025
10
"company"
9 negative reviews mention this · 12% of all complaints
★★★★★ "Predatory/Misleading/Scam. They hide the fact that there is a yearly and monthly fee. They will not let you even close your account until the yearly fee is paid. Trying to deal with them on phone is an absolute joke. They spam offer “credit protection services”, whic…" - Dresmorsius
11
"monthly"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Card is okay. I have 3 cards thru them I had to fight to get one of the monthly charges to get off because what do u mean your going to charge me a fee when I haven’t even used the card yet" - teenamarie1025
12
"charge"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Card is okay. I have 3 cards thru them I had to fight to get one of the monthly charges to get off because what do u mean your going to charge me a fee when I haven’t even used the card yet" - teenamarie1025
📋 All 75 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
App won’t open
App won’t open keeps trying to certify I’m human
Update
App is not updating to newest version.
Concora credit
The indigo credit card the app you guys have sucks you need a new app. You need something that is better. It’s not a good app at all. It keeps getting he keeps making me change my password. The app sucks. You can’t see your full account on it. You need an update. You need an update on app
Apple Pay
Does not let me add my card to Apple pay!!!
Wtf
Why won’t it let me make a payment. It’s saying update app but it is updated
Low quality features
As a banking services you people should add some features it’s not a native app. It’s like a browser opens websites in the app. I don’t like the app at all.
Awful app
This is a garbage app! Whoever made this needs a new line of work. Same goes for whoever approved it…
Fix app
Can’t log in ever.. have to call and check balance when I need to make a payment or see what’s available
Terrible credit card
Not able to sign in app and payment is late so not fare and now the option to pay with my debt card that’s quicker service than using the router number is no longer available to use.
Login in error
App keeps refreshing after I try to sign in. I’m unable to sign in
Poor app design
No Face ID, always have to log in via website no ability to lock your card in app. Little to no control. This app is a flat out embarrassment vs capital one or credit one
What is happening
Cannot log in
Facial Recognition
Would be nice if they allowed facial recognition to make logging in easier and simple. Too much to ask I guess.
Login broken
Unable to login,
app kinda clunky very basic
app kinda clunky very basic
Horrible app
With the latest update you can’t even log in to your account. No option to make a payment. Can’t believe this is an actual financial institution in the year 2026. Total clown show.
App not working
Can’t log into app. Uninstalled and installed 5 times. Just gives a page that says identify open in….. Can’t do nothing to get logged in
Throwing this error after update
After updating the app. I’m not able to sign into my account.
Credit card app
The application to sign in is horrible. It’s very long process and it forces you to share your information and even says it’s gonna share your information with third-party services without being able to opt out so basically without your permission.
Limited Functionality
Every time I have to pay a bill for the card associated with this app I weigh the pros and cons of closing this card and what effect it will have on my credit score. It’s unparalleled in its limited functionality. The login process feels like it was programmed by the CEOs third nephew twice removed as a favor for missing last year’s Christmas party. Please for the love of god spend some of the monthly fees you charge me and hire a real app developer!!!
Predatory/Misleading/Scam
They hide the fact that there is a yearly and monthly fee. They will not let you even close your account until the yearly fee is paid. Trying to deal with them on phone is an absolute joke. They spam offer “credit protection services”, which is a total scam. During tax time they were suggesting I use my tax return to pay them. Wtf? That’s presumptive and quite rude of them. I paid off balance, and quickly closed my account. Please avoid this company and save yourself a major headache. Reporting them to BBB, and I suggest everyone that has been scammed by these guys to do the same. Avoid.
Poor
I recommend being very careful before opening this credit card. In my experience, it has been one of the worst companies I have dealt with. The app has constant issues, payments do not process properly, and the monthly maintenance fee is very high compared to the benefits offered. At the beginning, they advertise many advantages to encourage you to open the card, but later those benefits do not actually work as promised. Overall, I consider this to be a very poor and unreliable company.
Go somewhere else
Give you a credit line for the first month. Then they drop it down to $100, crooks
Horrible app
Every time you log in you have to clear out a pop up. It’s super annoying.
Needs a complete redo
App needs a complete overhaul very user unfriendly.
The worst credit card company ever!!!
I’m not going to far into details because it’s so much bs to this company what I will tell you is these Chinese mfz are the absolute worst avoid them at all costs!!!
Cargos por anualidad elevados
Es la peor targeta de crédito que he tenido los cargos por anualidad son elevados el porsentaje de comisiones es casi al 10% es problema tuve que pagar toda la anualidad para poder cancelar la targeta
Worse Credit card App design
This is a very horrible app. make me doubt if this app is secured. First of all you have to input password every single
time, what is the point to have an APP. and the information in the app is limited. you can’t even find the available balance. You can’t monitor transactions at all. no notification.
time, what is the point to have an APP. and the information in the app is limited. you can’t even find the available balance. You can’t monitor transactions at all. no notification.
Good luck
Good luck actually getting your card. They’re quick to charge you a massive annual fee though.
Trouble logging in
This is the second time and second phone I have tried downloading this app. Once I get to the log in page, a constant loop of loading screens that verifies if I’m human keeps reloading over and over again.
Extremely poor design
Horrible app, certainly someone can design an actual app that’s from 2026.
Big scam
The number of fees associated with this card is absolutely insane; it's a total rip-off.
terrible
i literally cannot login to the app or the website. i’ll put my info in and it just goes right back to the sign in screen. fix this!!!
Scam
Scammers made apply for this overseas bank account
Dishonest & conducting illegal activity
Won’t let you disable the harassing level of spam they send. Only option is remove email which they then penalize you by charging a ridiculously excessive fee for a paper statement when all you want is the marketing emails (8 a day!) to stop which the fcc has stated is illegal by the way!
They harass you with card offer after card offer so you can have 3-4 cards with them but will never issue a simple credit line increase on your one and only card because they want 3-4 monthly fees, annual fees and can collect 30% interest on 3-4 accounts instead of 1!
This card company is the definition of a predatory lender that will without a doubt ruin your credit over time. The minute we pay the card off we are closing the account and we’ve reported them to fcc better business bureau (they have a F rating btw!) and we are contacting the USA credit authority because there is so much illegal dishonest activity with this card company there’s no way they should be allowed to operate the way they are!
Not to mention, you will never get an American when you contact this company. Their entire operation is outsourced to the Philippines and India, not a single USA personnel. You are just asking for identity theft with a company that relies solely on that kind of support network.
They harass you with card offer after card offer so you can have 3-4 cards with them but will never issue a simple credit line increase on your one and only card because they want 3-4 monthly fees, annual fees and can collect 30% interest on 3-4 accounts instead of 1!
This card company is the definition of a predatory lender that will without a doubt ruin your credit over time. The minute we pay the card off we are closing the account and we’ve reported them to fcc better business bureau (they have a F rating btw!) and we are contacting the USA credit authority because there is so much illegal dishonest activity with this card company there’s no way they should be allowed to operate the way they are!
Not to mention, you will never get an American when you contact this company. Their entire operation is outsourced to the Philippines and India, not a single USA personnel. You are just asking for identity theft with a company that relies solely on that kind of support network.
Terrible app and card
Worthless, no help for the app on the weekend when you called the number
GARBAGE CARD!
Absolutely garbage. They do shady stuff behind the curtains to make you pay more on your bill. KEEP YOUR EYES OPEN PEOPLE! I just signed on my online account to find out they charged me late fee twice back to back. SCANDALOUS COMPANY BEWARE
WORST COMPANY EVER
predatory company, charges yearly fee then after one year charges you a monthly fee AND a yearly fee. Absolutely zero benefits, charge you for other services you font sign up for. predatory money hungry company DO NOT sign up for any of their credit cards.
Horrible
Beware. They are predatory and not very consumer friendly. The fees are ridiculous and this company does not help you when needed most.
App not letting me sign in
I have tried every single troubleshooting strategy to try and fix the issue. I put in my log in credentials and it’s all correct I go to sign in then it just goes to the start screen again. I need a more updated app that has the log in integrated into the actual app. Right now it’s using a website and that’s not connecting to the app. Can we get a fix for this awful bug.
This app sucks!
Please take some of that interest money that u are profiting from and spend it on upgrading this app so we don’t have to sign in every time. Please Add Face ID to this app!
peggy stand ally lied ally did not cancel my payment on the first and they pulled 1400 instead of 70
peggy stole another 300 yesterday from due balance that was negative so 2 overdreaw charges plus 700 dollars i didnt have im on a budget she also was wring about the dates of charges and lied about being able to stop payment they dont even have the dates right on. peggy said it was fixed yesterday and its not its worse and instead of stopping the second payment from processing they said they would refund the first one and before that tried to only give me 400 of the 1400 back so im going to sue and if they retaliate again by shutting off access its going to be worse update i have 1090 on a 700 card and am negative in my bank account because they stole an wxtra 699.35 theyve failed to give back and there are now also overdraft charges totaling 20$ and i have to pay fees for cash access
This credit card company sucks
The limit on the car is 700 and the customer service is terrible!!
This app is cheaply made and sucks
If this is an APP, WHY does it function like you’re online. I hate having to use this platform because it isn’t an app nor functions like one and enter log in credentials each and every time!
SCAM-HIDDEN FEES
Do not trust.
Worst Card in the World
Regretting the day I ever thought of opening this card with this creditor. This has nothing but a nightmare, the app sucks and doesn’t work, always some sort of glitching, just sell yourself to a competitor and be done with it
Scammer
They will charge you alot more than you will use times8
Charged 2 payments in one month
THEY DO NOT HONOR THE AUTO PAY SETTING, THEY CHARGED 2 PAYMENTS IN ONE MONTH . WORST CUSTOMER SERVICE EVER. I HAVE ABOUT 5 CREDIT CARDS NONE HAVE TAKEN MONEY FROM ME.
Very devious card, avoid it
A very terrible card. Once it is your due date, the refuse to let you pay, you can’t login, the app keeps acting up. Whenever they let you login much later on, the app will process your payment for the next day, so they can charge you for late payment.
Very terrible set of people. Also your payments on the card take 2 weeks to reflect, so restrict you from using the money after you pay.
Very terrible set of people. Also your payments on the card take 2 weeks to reflect, so restrict you from using the money after you pay.
Lack of Lock Card Feature
I should be able to lock my account/card when needed and not have to call it in.
This is a security concern.
This is a security concern.
Scammers
They charged me 10$ for the monthly fee but it’s only been 18 days since I applied and got approved, and I haven’t even received my card in the mail.
+ 25 more in the clipboard copy
Sentiment summary
48%
Positive (4-5★)
7%
Neutral (3★)
45%
Negative (1-2★)