myCFNA Mobile

If Baton Rouge Water Company copied the design and features this App has, from effortless login; viewing new charges, account balances, required minimum amount due, suggested average six month payoff, or enter custom payment between minimums and payoff, schedule payments months in advance, edit amount of future scheduled payments to accommodate cash flow days leading up to draft. amount. The best is text reminder with link that takes you to login with face or fingerprint recognition.

I have quite a few issues with this app and how it functions but the main two are: 1. There is no Auto Pay feature in like literally every other app that I use so it’s far too annoying for me to even attempt to try and take advantage of my 0% intro APR not to mention I have notifications turned on and was not notified that my statement close date nor my due date were coming up of my 11 cards this is the only one I’ve been close to missing a payment on 2. There’s no option to pay off the current balance after deciding that I didn’t want to deal with this and pay off my card in full the options it gave me were: pay the statement balance (which it wouldn’t let me select because it was more than the current balance), the minimum payment (which was 0 because it was already paid), and other were I had to find the current balance and then type it out

Very, very unprofessional and just downright unethical. They take your payments and don’t apply it towards your available credit until they have hit you with high interest for two or more billing cycles. They ignore all emails to customer service. Every time you try to call customer service, they play some fake answering service message claiming that there’s 180 or more callers ahead of you to dissuade you from staying on hold and if you do decide to hold anyway, they’ll never answer the phone. I’ve been on hold for two and a half days now with my phone on the charger, taking turns waiting with my wife and they still haven’t answered my call yet. It’s always like this. Their website and the cardholder agreement both say payments before a certain time are credited the same day, but in no case later than 1-2 business days. I make multiple monthly payments and they accept my payments, but don’t let me use the funds until they have ripped it apart with two billing cycles or more of interest. By the time they are done, a $450 payment will get you access to about $115 in available credit but you won’t be able to use it until next month after they’re done tearing you up with more interest. It’s bizarre. When I applied for this card, I had no idea the devil himself was the card issuer. I’m furious! I don’t like shady business practices. CFNA, I will be speaking with the CFPB and other regulatory authorities regarding the way you guys are handling my account. From the reviews, I can see now that this your regular practice. Shameful!