UMB Bank Credit Cards Offers – Reviews, FAQs & More (2024)

1 Star Rating

This bank does not deserve to be in the online banking system as far as card services and management go.
Horrible website.
Even worse ACH verification and auto-pay process.
The worst by far credit card experience ever.

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1 Star Rating

After about nine months, UMB finally recognized that a purchase I made and subsequently contested should be refunded to me. After six long months of getting nowhere, I eventually submitted a complaint with the Consumer Financial Protection Bureau, and maybe that's what made them see the light. They were insisting on the fact that it was not a "billing error" since I had authorized the purchase. However, the vendor's website states that I can cancel their subscription service within three days, which I did. Therefore, it was not a billing error but a valid refund under the guidelines of the vendor. Yet, time and time again, UMB refused to comprehend that distinction.

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1 Star Rating

I would give UMB zero stars if I could. Horrible credit card. I had impeccable credit and never paid late in my life. Unfortunately, in July and August of last year, I was a victim of identity theft and bank fraud. My bank assets were frozen immediately to prevent further revenue loss in my bank account and for an investigation. I notified UMB via phone and in writing (with tracked receipt) of the situation and the need to make payment arrangements, as well as a late payment to my UMB credit card due to my bank account and my money being frozen by my credit union for an investigation. However, UMB still marked me late on my credit report, dropping my credit score immensely. I have contacted UMB numerous times to dispute this and request the removal of this marking, and they refuse to do so.

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1 Star Rating

Take it to the Grave: My mother passed away with a $190 credit on her account. We canceled her card within a week of her passing (1/19/2023). Mysteriously, her account was assessed a $95 charge on 3/20/2023, which was a month after her account was canceled. After sending a copy of her death certificate, UMB said they would follow up with an explanation in 6 months. They never did respond, and today I was informed over the phone that they cannot share any account information. It's not about the $95; it's about the process. I did ask who holds the money that should have been credited, and the answer was UMB. That's all I needed to hear.

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1 Star Rating

TERRIBLE CUSTOMER SERVICE! I waited 3 weeks for a balance transfer payment to be received .. I kept calling and today found out the check this ridiculous UMB sent had been returned to them damaged !
NO-ONE CONTACTED ME!
I had to find out by calling the bank .. they didn’t show any courtesy by notifying me or offer to overnight a new check or offer to let ME pay to overnight the check ..
This so called supervisor named Isabella called me after my complaint escalated to a supervisor..
and what did she say to me?
It hadn’t been 14 business days !!!
What did that have to do with my case.
She didn’t offer to help me get this payment resent quickly .. She wouldn’t allow me to pay for the overnight because it was mailed yesterday !!!
she stated it wasn’t their policy to overnight ..
She was not in the least sympathetic.. and she’s a supervisor ??? In customer service ???
. My credit score dropped 13 points because this has made my credit account go over the 30% for not getting this payment credited .. I paid the fees charged for this balance transfer by UMB and UMB could care less how long it takes . Now I have to wait another 3 weeks ! This bank is the worst customer service I’ve ever experienced .. DON’T waste your time with this joke of a bank.

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5 Star Rating

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!

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1 Star Rating

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.

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5 Star Rating

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

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1 Star Rating

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.

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1 Star Rating

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.

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