He added: "I think we are all a little bit disappointed with how we played.
"There were some pluses and some negatives to take away from the game - but overall I think the feeling is disappointment.
"I think the fans will be disappointed with what they have seen. I think there are three or four positives and maybe four or five negatives from the game."
A 2-0 defeat to Croatia in Zagreb two years ago severely hampered England's chances of qualification for Euro 2008 and the Croats followed that up with a 3-2 win at Wembley in November last year to deny England a place in Switzerland and Austria.
Terry remains confident that they can avenge those two defeats and insists England will rise to the challenge.
"We are still encouraged by what we can do in Zagreb," he said.
"Against the Czechs, we wanted to do better than we did but at the same time there will be points to be played for with Andorra and Croatia.
"Hopefully we can get off to a good start and win against Andorra - and take the confidence to Croatia. We have to go there and stand up and be counted for."
This page is best viewed in an up-to-date web browser with style sheets (CSS) enabled. While you will be able to view the content of this page in your current browser, you will not be able to get the full visual experience. Please consider upgrading your browser software or enabling style sheets (CSS) if you are able to do so.