Client Review on Commerce Bank, N.A.

Feedback:

Their credit card department is the worst of any credit card company I have ever dealt with. While any sensible credit card company (like every other one I deal with) will summarize your current balance, minimum due, and due date in a monthly email each time you have a new statement ready, Commerce Bank just sends you a useless message that says you have a new statement. That's it. So even if you think you have a zero balance, you still need to log in and look. They also don't send you an email notification when you've scheduled a payment, when the payment has processed, or when you have a new message in your customer inbox. Instead of communicating effectively and sensibly like every other credit card company, they expect you to live on their website to get any useful information whatsoever. This caused a problem when I thought I had my card paid off and didn't realize--until it was past due--that I did have a balance. I think they set up customers for failure so that they can fleece them with late fees and high interest rates. Stay away from them. There are better banks out there. This one is a joke.