United FCU Card Controls 4+

Giving 1 star is too generous. Having to use a separate app for the credit card is inconvenient and with no added gain. The app itself does not show a running tally of the total. There is a balance listed at the top and the. Purchases listed are below. However, If there is more than one card holder on the account, their purchases show up under their account and you would have to log in as that person to see those purchases. Previously we could see all purchases on the card. There is no reason for this. If it’s a joint account all purchases should be visible to both parties. It’s difficult to make sure the card hasn’t been compromised and to keep track of balances this way. Not to mention it takes several steps now to pay the balance. There is no reason for it to be this hard. The only reason I haven’t left is because we have had this card for many years and it helps the credit score. Nothing good to say about this app at all. Terrible.

Good way to get me to close my UFCU account, maybe that’s the intention? UFCU has slowly made it more and more painful to bank with them. I don’t really believe anyone is capable of being this incompetent so it must be on purpose. I simply want to pay my credit card off on time, in full, every month like I always have and forcing us to use this app is turning that task into a part time job. It used to be so easy to do this on the main UFCU app. Then they obfuscated it so that you had to click “pay loans” to pay a credit card balance. Now they force us to download and use a stand-alone app that doesn’t work. I can only conclude they don’t want people to successfully pay the credit card balance off. This type of obfuscation and obstacle to pay my bill should be illegal. This feels predatory.

I need to be able to see all my transactions at all times no matter which card on MY account that was used! How am I supposed to review and balance this account? Why can’t I see transactions or payments made by the other card on the same account as mine? Oh wait, till a statement is created a month later? No! This is ridiculous! I should be able to see ALL transactions live as they happen on the account! It makes it impossible to pay the full balance accurately! Maybe that’s why it’s set up this way? So no customer can ever pay the full balance off?