I have never pay my bills late... since last month, this credit card company has charged me late fee claiming my payment reached them 1 day late. i use online payment with my bank for all my payments and never had a issue... according to my bank records, they paid on time, they even gave me the time that the payment reached CFNA. but CFNA still claims that it was late, i don't know base on what? they are penalizing consumers for the time it takes for them to process the payment even if the payment reached them on due date. this is the 2nd time it happened and now they refused to reverse the incorrect charge even though the problem is not with me. i cancelled this card so they will not do this to me again...their customer service is HORRIBLE!!!

These guys bill you over the internet without your knowledge. Months later they call to collect severe late fees and penalties. Even if you remit immediately, including the outrageous charges, they then report your name to credit card agencies.

Never accept a Firestone credit card. (Better yet, don't ever buy there and alert your friends.)

I strongly suggest that anybody who wants to improve their credit score NOT get a CFNA credit card. I know they are the credit company who provides cards for Firestone and Plaza Tire Service. I would guess there are other companies as well. Before applying for a card please make sure you ask if it is CFNA.

The problem is this -- they do not report credit limits to the bureaus. They report your current balance to all three bureaus, but report no limit. An essential part of raising your credit score is having a favorable debt to credit ratio. This ranges anywhere from 20%-35% depending on who you ask. If you have a $1 balance on a CFNA card, your debt to credit ratio on that account is infinitely negative because you're debt is $1 and your credit limit is unreported (which is considered ZERO by the bureaus).

I sent a few letters to their customer service department, and their responses were abysmal. I paid off the card just now, and will be canceling it as soon as the payment goes through. I see no reason in keeping a card that I can't use. My credit limit is $1200 and my balance is $159 but since they don't report a limit my overall debt to credit ratio is 75%. My only other credit card has a $200 limit so it's showing my overall debt as $159 and my overall available credit as $200. It should be $159 versus $1400 which would be about 11%. CFNA refuses to do anything about it since they are "not required by law to report credit limits". So much for customer service. I'm glad I paid it off before they got any of my money.

I'm going to try to spread the word as best I can that this is a horrible practice and extremely bad customer service. I opened this account hoping to increase my credit score, and it has dropped it by over 20 pounds will all three bureaus. I've spent a couple years trying to raise my scores and this just set me back a good six months. The inquiry alone will haunt me for two years.