Creation

عن الشركة

According to its official website, Creation is a consumer finance brand that is part of BNP Paribas Personal Finance and says it has been providing finance for more than 50 years. Working with UK electrical, furniture and home improvement retailers and motor dealerships, it offers individuals retail finance (Currys flexpay account, Flexible Finance Account, B&Q FlexiPlan), personal loans, credit cards and motor finance. Creation is the trading name of two companies: Creation Financial Services Limited (FCA 313153), which administers credit card accounts and has its registered office in Solihull, and Creation Consumer Finance Limited (FCA 311518), which provides personal loans, motor finance and retail finance and has its registered office in Belfast; the site says both are separately authorised and regulated by the FCA. Customers manage their accounts through the Creation Finance and Creation Credit Card apps and the Online Account Manager. According to Companies House, Creation Financial Services Limited was incorporated in 1973 and was formerly named Sears Financial Services Limited. This information is the company's own statement.

تفاصيل الحساب

التراخيص والرقابة

FCA (المملكة المتحدة)

FCA (المملكة المتحدة)

شكاوى المستخدمين

تُصنَّف بلاغات المستخدمين المنشورة على الإنترنت حسب الموضوع. تُظهر الرسوم البيانية كيفية توزّع البلاغات؛ وهي مجمَّعة من السجلات على Trustpilot وWikiFX وŞikayetvar، وتُحتسب سجلات الشخص الواحد مرة واحدة.

الفترة المراجَعة: أغسطس 2026 – أكتوبر 2026

• القروض وبطاقات الائتمان: 29
• حظر الحسابات وتجميدها: 21
• أخرى: 21
• السحب والمدفوعات: 8
• دعم العملاء: 8
• الرسوم والعمولات: 2

مرتفع — مستوى الشكاوى

تلقّت 26% من المؤسسات التي لديها سجلات شكاوى عددًا أكبر من الشكاوى مقارنةً بهذه المؤسسة.

حسب الموضوع — القروض وبطاقات الائتمان: مرتفع جدًا · حظر الحسابات وتجميدها: مرتفع جدًا · أخرى: مرتفع جدًا · السحب والمدفوعات: متوسط · دعم العملاء: مرتفع · الرسوم والعمولات: مرتفع

المصادر المراجَعة

• Trustpilot
• Şikayetvar
• WikiFX

The complaint distribution is based on the latest 1-star reviews on Creation's Trustpilot page (89) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Creation name are left out. Across the complaints, finance applications declined and orders cancelled despite available credit, app and website login problems, and technical failures stand out.

المصادر وسجل التحقق