Customer reviews for Onmo credit card services reveal an overwhelmingly negative sentiment. Reviewers consistently cite problems with increased interest rates, unexpected APR changes, and inflexible card management policies. Common feedback includes dissatisfaction with delayed responses, poor customer service, and limited support for resolving account or app-related issues. Some customers mention challenges with account access and multiple complaints about the required app's compatibility.

The most frequent themes in the reviews focus on abrupt interest rate hikes, lack of communication, and issues with app or card functionality. Customers often express frustration with Onmo's daily interest application, slow or unhelpful customer support, and difficulties in transferring balances or resolving payment issues. The inability to change payment dates and compatibility issues with the mobile app are recurring concerns raised by users.

Overall, Onmo’s reputation in the financial services sector, as reflected by these reviews, is poor. There are repeated reports of unresolved complaints, customer retention issues, and a lack of transparency in their processes. Potential clients in this sector may find better satisfaction with competing providers, as trust and reliability concerns are widespread for Onmo.

Onmo operates as a financial service provider offering credit card products. The company delivers its services primarily through a digital platform, requiring customers to use a mobile application linked to their credit accounts for account management, transactions, and customer service interactions.

The company’s operational model involves issuing credit cards, setting and adjusting individual interest rates, and communicating account information digitally. Processes include applying interest to balances, managing user access through the app, and handling customer inquiries and requests via email or in-app support.