CARD

Lending & Consumer Finance • United Statescard.com

Review data last updated August 11, 2026.

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Based on public reviews and response behavior.

Overall Score

49/100

−14.8 vs. last month4.35 ★ average rating · 600 reviews

Competitive Performance Rank

Among fully-analyzed Lending & Consumer Finance companies

#233of 275

Top 85% · Bottom Tier

#1 (best)#275 (worst)

#231Peer

#232Peer

#233This company

#234Peer

#235Peer

Overall Customer Sentiment

Below Average

75% of reviews positive, 24% negative

75%

positive

Positive75%
Neutral1%
Negative24%

Sentiment Balance

Covering October 2024 — 23 reviews, not the company's full review history.

Positive sentiment

Neutral sentiment

Negative sentiment

—

positive

Positive—
Neutral—
Negative—

Takeaway: Positive sentiment accounts for 74% of reviews in this period, with 22% negative and 4% neutral.

Sentiment Trend Over Time

Reviews (Count)

Showing 598 reviews across the months with enough data to chart reliably (min 3/month), most recent: October 2024.

Sentiment has been declining over the period shown.

Theme Distribution

Share of theme mentions

Customer Support

28.7%

Problem Resolution

13.4%

Loyalty

12.2%

Product Quality

11.2%

Response Speed

9.5%

Most feedback concerns Customer Support.

The most common complaint theme is Communication, making up 8.3% of all theme mentions.

Churn Signal Score

Rule-based: negative-review share, churn-intent phrases, and sentiment movement over time.

HIGH68/100

68/100

signal score

•Built from a negative-review share of 47.3% across this company's analyzed reviews.
•3 reviews contain phrases that signal intent to leave, such as cancelling or switching provider.
•Recent reviews are more negative than earlier ones, which pushes the signal up.

Reviewer Breakdown

Star split and recent-versus-earlier sentiment.

4.3avg rating

5★

79.0%

4★

5.2%

3★

1.5%

2★

0.7%

1★

13.7%

Based on 600 analyzed reviews. Sentiment is slipping: 91.7% of reviews in the last three months were positive, compared with 100.0% in the three months before that.

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