# Concora Credit — user reviews > 517 indexed App Store user reviews of Concora Credit by CONCORA CREDIT INC., rated 3.00/5 from 1,435 ratings. - Source: https://appshunter.io/ios/app/concora-credit/id6449258739/reviews - App overview in markdown: https://appshunter.io/ios/app/concora-credit/id6449258739.md - Rating breakdown: 5★ 571 · 4★ 100 · 3★ 106 · 2★ 110 · 1★ 548 ## What do users think of Concora Credit? Overall sentiment: neutral **Pros** - 🚀 Easy to use - 👍 User-friendly design - 💡 All accounts in one place - 🚀 Convenient payment options **Cons** - 🐛 App crashes and login issues - 🔒 Security concerns - ⏱️ Slow payment processing - 💰 Unexpected fees and charges **Commonly reported bugs** - App not loading properly - Account information not displaying correctly - Payments not reflecting in a timely manner **Most requested features** - Face ID or Touch ID login - Real-time balance updates - Debit card payment option - Credit limit increase feature ## Newest reviews (18 of 517) ### 1/5 — The worst app *2026-08-15, version 3.0.17* It’d absurd how many horrible reviews this app and company has and not a single solution in sight. Companies like this should be fined to the gills for being so bad. I haven’t even gotten my card yet and I already know I won’t be using it due to fear of predatory reviews from this company. ### 1/5 — Excessive Fees and Constant Problems *2026-08-14, version 3.0.17* I just checked my newest statement and saw that I have a late fee. Odd because before my due date I checked how much I owed and it said that I didn’t have a payment due. Which I tend to make two payments a month on cards just because I don’t want to deal with late fees. For some reason no matter how many payments I make in a month this company still manages to charge me a late fee every month. I can have $0 due in app and I’ll still get a late fee. Don’t do business with them. They came in clutch for moving, but it’s been nonstop nightmares since. ### 3/5 — It’s just okay *2026-08-14, version 3.0.17* The interface isn’t the most technologically advanced. It takes a long time for them to actually pull your payments from your bank account, and there’s an extremely annoying popup every time you go into account management that you can’t opt-out of receiving to sign up for their high-fee purchase protection. If they didn’t have that annoying pop up I would’ve overlooked the other stuff but it is truly THAT annoying. This company is also extremely slow to report balances to the credit bureaus. ### 4/5 — Good App *2026-08-14, version 3.0.17* I haven't had any issues with this app. Making payments is quick and convenient and payments post quickly. The reason for the 4 stars is that I don't have the option to lock my card. I would love for you to add that feature to the app ### 2/5 — Functional *2026-08-14, version 3.0.17* Basically functional. It’s not an actual app, it takes you to an external webpage. Don’t open any Concora cards unless you absolutely have to. ### 1/5 — Predatory *2026-08-13, version 3.0.16* I have held a full balance on three cards with this company. Over this time I have paid 25% and/or the minimum. Each time the available credit was shown available within three days. I decided to pay the full balance on all cards. They have frozen my credit for 14 days. They say it is to make sure that the funds are available. The money is gone from my bank account. They know the funds are good as they received payment in full. ### 2/5 — Sign-In *2026-08-13, version 3.0.16* Would be better and faster if face-ID was available to all. ### 1/5 — Terrible UI *2026-08-13, version 3.0.16* Terrible UI, unreadable and very hard to understand what does what. numbers don’t update and entries in the transaction page are appearing doubled. you get no message when a payment is initiated, successful, or failed and it’s playing roulette with your credit history. This is so bad I do not recommend this company at all. ### 3/5 — Apple wallet *2026-08-12, version 3.0.16* Would love to be able to add my cards to Apple wallet ### 1/5 — Maddening *2026-08-12, version 3.0.16* This is THE worst app i have...Every time i open it i have to Re-Log in (unlike any other app i use, financial or otherwise)...ALL my other apps i can open and go right in to do whatever i need to do. PLEASE FIX/Modernize THIS‼️‼️‼️ ### 2/5 — Frustrating *2026-08-06, version 3.0.16* Available credit is not readily visible. Links are not responsive. You have to tap several times to go back to previous screens. In essence, navigation is not smooth. ### 1/5 — Freeze *2026-08-05, version 3.0.16* My mobile app is frozen ### 1/5 — Predatory $250 annual fee *2026-08-02, version 3.0.16* I gave it one star because Mika was helpful up to the point where I asked for some type of confirmation that we spoke and the account was canceled. She could not offer an email. She could not offer any confirmation number. I was just supposed to trust that they were gonna cancel this account. Sorry but stashing the $250 annual fee inside their terms and conditions. The fine print. Has me a little leery. What do I do? I have my son next to me and he is currently recording his game so I have a recite every single thing back to me that we spoke about. I let her know that I think the cancellation was recorded so I feel more comfortable. We finished the conversation with her telling me that I’m not allowed to record. I know this already. I wasn’t recording. 😉 screw me once shame on you screw me twice…. NAH!!! I’ll add another star or two possibly even remove most of my anger out of this comment if the cancellation is followed through with…. Only time will tell. ### 1/5 — Needs to be fixed *2026-08-02, version 3.0.16* You can’t sign in on the app.. it just spins and spins.. I go to the website and it no longer shows your available balance.. just terrible.. I use to love the website now it’s horrible.. They need to Fix it! ### 1/5 — Ongoing Scam Calls after logging in. *2026-07-31, version 3.0.16* In order to log in to their app or website.. we’re now forced to allow them to share our information.. literally with SCAMMERS!! - Right after, we then receive multiple ongoing scam calls.. so it’s more than obvious, but no other option for logging in.. it didn’t used to be like that until they changed the name and login. Now it’s TONS OF TOTAL SCAM CALLS! - Way not worth it whatsoever. ### 1/5 — Very. Unreliable. *2026-07-29, version 3.0.16* Set up auto payments. Saw my payment processing. Payment disappeared with no update to the account. Was worried about late payment so scheduled another. That one remained in my account until it processed. Then, was attempted to be charged for both payments, though I only saw the second one pending. This resulted in returned fee of $30 as I only put exact money into that account that I expect to have withdrawn. Absolutely ridiculous…. AVOID THIS PREDATORY CREDITOR AND THEIR LESS THAN SUBPAR APP. $30 return fees after a payment was made yet CANNOT invest in a DECENT app. PREDATORYYYYYY…… ### 2/5 — App doesn’t work *2026-07-29, version 3.0.16* I was approved for a credit limit of $1,000 went to the app and unable to register my account not even a general registration without the card. Contacted customer service no help at all wrote a letter still no response. App won’t let me create account no matter what I do and no one has gotten back to me. ### 3/5 — Issues *2026-07-28, version 3.0.16* I couldn’t get past the verification process, it kept starting over and never completed the verification phase. I know this app will be helpful when this issue gets resolved. ## Most critical reviews (10 lowest-rated) ### 1/5 — Unable to get in app for months *2026-08-24, version 3.0.17* I have been trying to get in the app and it does not work. ### 1/5 — Worst credit card ever!!!! *2026-08-23, version 3.0.17* Beware! They will not protect you against fraud at all! I called about a company charging me $346 for a transaction that the company never sent me the product and I still haven’t received the product to this day and CONCORA sided with the fraudulent company so they wouldn’t lose money. So they are just as bad as fraudulent company that ripped me off in the first place. There are many other companies to go with that are much better! This one plain sucks!!!! ### 1/5 — Stay away!!!! *2026-08-21, version 3.0.17* This company is trash! ZERO customer service. Nearly impossible to reach someone. The absolute longest payment processing times. Literally takes 10+ days to process an instant payment. Even then they make you wait nearly an entire billing cycle before making your credit available again. These people need to be shut down by the government ### 1/5 — Can’t access the App on any device *2026-08-20, version 3.0.17* Been attempting to access the app and cannot get past the verification process because it will not scroll to accept and then use the app. Tired of trying. Will figure it out so I can pay my monthly bill. So frustrating and I give up on the app! ### 1/5 — The worst *2026-08-20, version 3.0.17* Does not help you do anything very slim and a joke ### 1/5 — I was trying create account almost a week,suport couldnt help,i never seen before like that *2026-08-19, version 3.0.17* Terrible app ### 1/5 — Terrible company *2026-08-18, version 3.0.17* Refused to allow me to use credit protection that I paid for all year. Said financial hardship doesn’t count. Meanwhile credit protection to protect my credit is allowed to be used when I need it. What a scam And your app is not user friendly. ### 1/5 — Option in app *2026-08-18, version 3.0.17* There should be an Option for travel notification. Getting sick and tired of getting devlined while on vacation. Ive called multiple times to advise of my vacation and they still decline all my purchases. Im done with this card and closing. Unacceptable. ### 1/5 — I was trying create account almost a week,suport couldnt help,i never seen before like that *2026-08-18, version 3.0.17* Credit ### 1/5 — Concora credit is a scam *2026-08-17, version 3.0.17* Concora credit is a scam and a horrible card wouldn’t recommend to anyone no matter credit score ## Most praised reviews (10 highest-rated) ### 5/5 — Great for rebuilding credit, make sure to pay on time *2026-08-31, version 3.0.17* My credit got ruined during COVID-19 when I got laid off. This app has been such a blessing in getting multiple card to rebuild my credit, and it’s working. If you need to rebuild, go with Concora. The support team is great, too. ### 5/5 — Excellent service *2026-08-13, version 3.0.17* So I had no credit and sometimes it worse I was able to get one card to start and after 3 months ran into some money problems my credit score was at 535 They were willing to work with me and 2 years later o have a 667-673 score now And 4 cards The app is great you can safely store your payment information and the customer service they are great Take my word it is a great card to start over ### 5/5 — New update *2026-07-25, version 3.0.16* Great app easy to use ### 5/5 — This app is so great *2026-07-09, version 3.0.16* I love this app it’s so easy to use and I love it I haven’t had any issues with this app yet so far and I love it ### 5/5 — Good for rebuilding *2026-06-20, version 3.0.15* Have their credit cards for a couple of years and no issues. Never had to dispute anything so I can’t vouch for support. ### 5/5 — Great for Credit Rebuilding *2026-06-19, version 3.0.15* If you’re trying to rebuild your credit, these are great cards. Yes, they have high yearly fees but they’re not prime credit cards. These are cards for people with poor to fair credit. You’ve got to start somewhere, might as well start here. ### 5/5 — Great For Building Credit *2026-06-19, version 3.0.15* Concora offers multiple credit cards and it’s easy to get approved, even with poor credit. The app is easy to use, and I can store my payment information so that I don’t have to enter it every time. If I set a payment for a later date, it’s easy to cancel and reschedule if necessary. Definitely recommended for anyone needing to build or rebuild their credit. ### 5/5 — Simple, Works *2026-06-16, version 3.0.14* I have the indigo card, and I have no complaints. There are no account maintenance or annual fees. I pay my balance off, so I don’t have to worry about interest. I have nothing to complain about. The app and the card is straightforward. ### 5/5 — Easy to used *2026-06-15, version 3.0.14* Not sure what others don’t like about using this app is very easy access and clear explanations of balance, payment due, available credit . Payment post next day I’m enjoying it thanks ### 5/5 — Great Help! *2026-06-04, version 3.0.13* There’s some montly fees but aside from that I was really happy that they trusted me again for a credit after my credit score has been affected from my prior cards. Paying on time as much as I can to avoid paying interests. For me it is a great and big help especially for my kids. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*