Mobicred
Verified Business
Mobicred
Verified Business
557 Reviews (last 12 months)
Responds in 37 hours 60 min
Scores reflect the Overall AI Score for each category
AI Review Summary
Based on recent customer reviews, Mobicred delivers a sharply polarised customer experience. Individual agents consistently receive glowing praise for patience, friendliness, and professionalism, earning strong marks for Customer Service (3.8). However, systemic failures in billing accuracy, credit bureau reporting, communication responsiveness, and process turnaround severely undermine confidence. Trust and transparency concerns around hidden fees, incorrect credit listings, and unresolved fraud investigations represent the business's most critical weakness.
Top Strengths:
- •Customer Service & Professional Guidance: Named agents like Mumina, Sisanda, Nicole, and Amina are frequently praised as patient, friendly, and professional. Customers describe them as stars and gems who go above and beyond to resolve queries.
Service Quality Ratings
MetricScoreIndustry AvgBest in Class
Performance(last 12 months):
5.7Trustindex Rating
#4Ranked In Payments & Fintech
38 hoursAverage Time To Reply
-5 NPSRecommended: Unlikely
Replied to 81% of negative reviews
Typically takes less than 48 hours 46 min to reply
TrustIndex
5.7
Score
Ranking
#4
in Payments & Fintech
Avg Reply
38 hours
NPS Score
-5
Recommended: Unlikely
Replied to 81% of negative reviews
Typically takes less than 48 hours 46 min to reply
Review Distribution
3.7|557 Reviews
May '25 - Apr '26
5(60.4%)
4(5.7%)
3(1.9%)
2(1.3%)
1(30.7%)
5(60.4%)
4(5.7%)
3(1.9%)
2(1.3%)
1(30.7%)
Recent reviews (557)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperiencePopular mentions
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Mike
1 reviews | Active since Jan 2020
17 Mar 2026, 06:44
Mumina is a great help, excellent customer service that really sets the standard
Mumina is a great help, excellent customer service that really sets the standard. The system is archaic, with login / account issues taking a lot more hassle to resolve than is warranted.
Helpful (0)
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Mike
1 reviews | Active since Jan 2020
17 Mar 2026, 06:44
Mumina is a great help, excellent customer service that really sets the standard
Mumina is a great help, excellent customer service that really sets the standard. The system is archaic, with login / account issues taking a lot more hassle to resolve than is warranted.
0
Replies (0)LC
Lindsay C
1 reviews | Active since Jan 2020
16 Mar 2026, 12:03
False Credit score reporting
Ombudsman is the obvious next step. Relating to my below compaint, I received a response on the 3rd March from Mobicred support ensuring me that my matter will be investigated and corrected promptly. On 16 March, I am yet to be contacted. I have attempted calling in to find out what is happening and I get passed around between teams and placed on hold until getting cut off. Incorrect Payment Default Listing – No Resolution Despite Multiple Escalations Mobicred has reported two missed payments on my credit profile — one in May 2025 and one in November 2025 — despite the fact that I have never missed a payment. My account is debited monthly, and I have provided proof of payment showing consistent successful debits. I have done everything requested of me. I have emailed customer service with bank statements and proof that my account has been debited every single month. My query has been escalated numerous times between the debt collection department, customer service, and managers. Each time, I am asked to resend the same documentation, which I have done repeatedly. No one has taken accountability, no one has properly investigated the matter, and no corrective action has been taken. There has been no clear feedback or resolution, despite my ongoing follow-ups. As a result of Mobicred’s failure to correct their internal error, my credit score has now been negatively affected. This is completely unacceptable, as I have honoured my obligations and paid on time. I expect the following as a matter of urgency: -Immediate correction of the incorrect missed payment listings on my credit profile. -Written confirmation that the negative reporting has been reversed with all credit bureaus. -A formal explanation as to how this error occurred. -Confirmation that this will not happen again. This matter has been ongoing for far too long and should have been resolved the first time I provided proof of payment. I require urgent intervention and resolution.
Helpful (0)
|Replies (0)LC
Lindsay C
1 reviews | Active since Jan 2020
16 Mar 2026, 12:03
False Credit score reporting
Ombudsman is the obvious next step. Relating to my below compaint, I received a response on the 3rd March from Mobicred support ensuring me that my matter will be investigated and corrected promptly. On 16 March, I am yet to be contacted. I have attempted calling in to find out what is happening and I get passed around between teams and placed on hold until getting cut off. Incorrect Payment Default Listing – No Resolution Despite Multiple Escalations Mobicred has reported two missed payments on my credit profile — one in May 2025 and one in November 2025 — despite the fact that I have never missed a payment. My account is debited monthly, and I have provided proof of payment showing consistent successful debits. I have done everything requested of me. I have emailed customer service with bank statements and proof that my account has been debited every single month. My query has been escalated numerous times between the debt collection department, customer service, and managers. Each time, I am asked to resend the same documentation, which I have done repeatedly. No one has taken accountability, no one has properly investigated the matter, and no corrective action has been taken. There has been no clear feedback or resolution, despite my ongoing follow-ups. As a result of Mobicred’s failure to correct their internal error, my credit score has now been negatively affected. This is completely unacceptable, as I have honoured my obligations and paid on time. I expect the following as a matter of urgency: -Immediate correction of the incorrect missed payment listings on my credit profile. -Written confirmation that the negative reporting has been reversed with all credit bureaus. -A formal explanation as to how this error occurred. -Confirmation that this will not happen again. This matter has been ongoing for far too long and should have been resolved the first time I provided proof of payment. I require urgent intervention and resolution.
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