Credit One Credit Card

My account was not cancelled in 01/12 as requested and I am being charged late fees on late fee. I have talked with you payment twice in 3 days. I have made the payment of $51.64 to get your people out of my life. You are one of the worst credit card companies out there. If I was an elderly person and did not check, there would be a $1,000 bill by the end of the year on fees and late charges on those fees. Very unsatisfactory, you get a zero from me.

After a foreclosure, I was trying to rebuild my credit. I received this Credit One credit card offer. I was charged a high amount to open it, around $75 or close to that. After I received the card, I called to check the balance/amount available. I used the card and left about $20 on it. The limit was not very high. I received an email stating that I was over my limit. There was a $25 charge for that. This is what this company does constantly, they tell you have a certain amount available, but they don't tell you that out of that amount, they will be charging you all kinds of fees.

I am in the process of paying this off, but this is the worst credit card I have ever had. They also actually charge you to raise your credit limit. I have one other rebuilding one, which is with Emblem. I have had that one for over 2 years and never ever had surprise fees and extra charges. This Credit One card company should be in some kind of legal trouble. The fees are a sham and very, very expensive.

I signed up for the card and it looked good. I used the card to pay for a couple of things. I made a payment a week before the due date. I logged in to the website a week and a half after I made payment. I found out that my payment was never processed and they charged me $25 for not paying. They sent me a letter saying my payment was returned. So, I made another payment re-entering my bank info and it was returned again. Now they closed my account. I'm glad that they closed it because I hate Credit One Bank!

It seems my experience is similar to many others. I never used this card and the abusive harassment I received caused me to cancel it completely. This is a scam, these people are abusive and bullying. I have excellent credit. I am never late on payments on any bills but I have never experienced this level of rudeness and threats to bring down my credit rating. I had a $75 annual fee and I set up to pay through my bank. Not two days after receiving my first bill with this charge, Credit One called and told me that if I did pay through my bank, that they would report me as delinquent and insisted I give them my debit card as payment. I intend to tell anyone and everyone not to use these people and will report them to the BBB. And if I can figure out how, I will report them to the Attorney General's office.

I have both a Capital One-secured MasterCard and an unsecured Credit One bank Visa. Both started with a small limit of $400.00 each. I ruined my credit a few years back (Don't ask; it's a long story). Anyway, I have had the Capital One card for about 3 years now; and the Credit One, for 16 months. I started with a SC of 522, and as of today, April 26, 20012, my SC stands at 652 solely because of those 2 cards. I still have all that other bad stuff on my credit report, but over time, creditors don't look at it as bad as when I first ruined my credit.

I now have an unsecured MasterCard from Capital One (They converted my secured account to unsecured.) with a $1,600 credit line, and my Credit One Visa has a $1000 limit. Plus, I just was approved for a Wal-Mart credit card with a $1,100 limit. If you are trying to rebuild your credit, here is some advice.

It takes time to undo what you did to your credit and nothing you do can make it faster. So, get a sub-prime card and don't use it, unless you can pay off the balance on your next statement and only use it every other month. Don't carry it with you; leave it at home. And so, you're not tempted to buy something you can't afford. If you can afford it, pay cash or don't get it! It will take 3 to 6 months to see a positive change in your credit score. Don't carry a balance on your card, because if you have a $300 limit and carry a $112 balance on it, that's a 35%+ usage of you available credit and that doesn't look good on a credit report. So keep your card below 5% (less than $15 if you have a $300 limit). If you have to use your $300 credit limit card to get by between paychecks, then you don't need a credit card.

I am living proof that sub-prime cards help people with credit problems, and it was easy too. I improved my SC 130 points in about 3 years and went from a secured card to $3,600 unsecured credit limits in the same time just by doing the thing I have listed below. Good luck.

You have a sub-prime card, because you don't qualify for a prime card. Sub-prime cards almost always start with a low credit limit, so you can build you credit score over time. You can't live off a $300.00 credit card, and you're not supposed to. You use a low credit limit card to build credit history. If you are late on your payment, you will be charged a late fee (even if it's only 1 day). Just because you paid your bill before the due date or more than the minimum, it doesn't mean you will have those funds available the next day, especially if you paid by check. Debit cards work like that; most credit cards don't, until you have made a few payments using that same checking account and have build a history of your checks clearing.

All credit card companies give you a website to manage your account for a reason. It is your responsibility to monitor your account for payment dues date, available credit, current charges, membership fees that are due or coming up, last payment applied to your account, etc. If you have $26 available credit and your annual membership fee or another charge is $27, they will still charge the whole amount. And now, you are $1 over the limit and owe an over-the-limit fee. That's your fault, not the credit card company's. Don't try to live off your new credit card; you will fail. Pay the account in full every month before the due date.

I opened my Credit One Bank account in 2006. I paid on it faithfully every month. I lost my mortgage career in August of 2007 and had to live on credit until I found work. My limit on my Credit One Bank card was $1,050. As I approached the spending limit, the constant fees and interest charges pushed me over my $1,050 limit. The Interest rate was 23.9% APR. Credit One Bank was charging an annual fee which occurred monthly on my statement for $6.50 as well as a $23 interest charge. Once I was pushed over my spending limit by Credit One Bank's fees, more fees began to incur. There was a $29 over the limit fee. Because my payments were not bringing me under the spending limit, they charged a $29 late fee for every month the account was not brought under the spending limit. My minimum payment began to grow every month.

Once I was over the limit, Credit One Bank revoked my ability to pay them online. I was forced to call my payment in monthly. For making a payment over the phone, Credit One Bank would charge a payment fee of $7.95. My account was incurring the listed fees monthly: $29 over the limit fee; $29 late fee; $23 interest charge, being called a cash advance; $7.95 credit card fee to pay the bill; $6.50 annual fee deducted monthly; $95.45 total (monthly incurring fees and charges). I tried desperately to work with Credit One Bank and regularly paid at least $50-$90 per month but the debt wouldn't reduce unless I brought the balance below the spending limit which was now requiring a $400 payment.

My debt kept growing because of the constantly recurring fees. Several failed attempts to get resolved over the phone were unsuccessful. They wouldn't allow me to speak to upper management and would often hang up on me or put me on hold for up to an hour. I finally stopped paying Credit One Bank and am now facing a judgement from Razor Capital, LLC for $2,133.12. I do not dispute that I owe Capital One Bank $1,050 and I would like to settle for the amount that I owe. The fees incurred, I feel, were predatory. I have several other credit cards in good standing or paid off. Those banks are fair in their lending practices as opposed to Credit One Bank's outlandish fees and poor customer service. Thank you.

I have never applied for a CreditOne credit card. Now, I am getting billed late fees and have never even owned this type of credit card! I don't know how they got my name.

First of all, they only allow you to use amounts less $1.00 on your account. I guess this is to try to get you over your limit. When you post a payment from your checking account, they make the amount available after 8 days. That's ridiculous, it's an electronic payment. They are trying to get you to make an express payment for $9.00 more, that's ridiculous.

I'm going to pay off this card and close this account. They even design their logo to look like and to confuse potential victims that it's Capital One Bank. Please tell anyone not to get suckered by this scam artist masquerading as a bank.

I would like to thank this community forum regarding Credit One. Here is the link: http://www.consumeraffairs.com/credit_cards/credit_one.html. Thanks to all the fine people who posted in the link I provided above. I would like to share with you what happened to me maybe what I did will help to give people a clue and help assist in not falling victim to Credit One.

So, I receive a Credit One application in the mail and called the 800 number. The rep ask for the pre-authorization code and I gave it to him. Rep asked for my name, Social Security card number and address (nothing more). Rep says, "You are approved and will receive your card in approximately three weeks." Something about what I described above did not sit well with me so since I work at a TV station where I live and we have a fabulous consumer reporter, I ran the conversation. I explained above by our consumer reporter. Here is what our consumer reported asked and told me: My consumer reporter asked if Credit One asked for any income information/verification (answer no). My consumer reporter asked if Credit One asked for employment information (answer no). My consumer reporter asked if Credit One asked about out stand debts such as alimony, child support some that is not a usual expense such as a mortgage or car payment as example.

Half way through the questions, my co-worker asked and he said it is a scam. Companies like Credit One do a person's credit more harm than good unless you give in to their bully tactics so cancel the card. My co-worker further advised that under Federal law they have to cancel the card upon my request. So here is what happened: Knowing the weekend people are not as seasoned as regular weekday staff, I called about an hour ago with my phones recorder rolling to record everything syllable said.

Gosh, ** call number one, the rep hung up on me but call number two using an internal number I pulled from the system at work put me right through to a rep asap and he was as kind as could be. The rep asked me for the information they originally asked for to process the card. I said please cancel the card I do not want it, do not need it. He asked why. I said that is my business, just please cancel the card. I was disappointed I thought I was going to be in for some fireworks so I could blog the audio on my work blog page and make consumers aware but that did not happen. He canceled the card, end of conversation.

There are two reasons I am writing this post in this thread: 1. What they did not ask me did not make sense so I checked it with one of my reporters; 2. Had they not flip flopped and not asked certain questions, I never would have had a reason to Google them which is what lead me to this thread. Thanks for the heads up guys. Hopefully, what I have written will help someone else. I hope the red flags I listed will give anyone the heads up. These guys are not a legit card business in terms of serving its customers' best interest. They will hurt your credit score. A good reliable site I found to check legitimate and illegitimate card carriers is ** . Fill out the web form with the companies name, submit it and they will reply. Thanks for reading and I hope this post helps someone.

I have never used the credit card and I want you to cancel it. Why am I being charged when the card has not been used?

This is a new card and I went online to make payment the day it was due. I tried to log in but my ID and password were not accepted. I called to change in their system for almost one hour. I called on the phone to make payment and of course, the payment cost additionally to make it by phone. Also, it would not post until the next day - which would then make it a late payment and cost another $34.00. This is the biggest ripoff I've been subjected to! You bet that I will close this account ASAP and tell everyone I know not to get into the same situation with this company.

This has to be the worst credit card company ever. Their customer service is rude (when you can understand them). I was charged the annual fee after I closed the account, and they refuse to refund it. They charge you daily on interest. So if you pay off what the statement says, you still aren't paying off the balance. I went to pay my balance off, the day after the statement cutoff, and bam! Interest. Seriously? If you want to rebuild your credit, do it with HSBC or Orchard Bank. They won't scam you.

My account is behind because my husband lost his job. I closed the account before this due to the increase in their yearly charge. I tried to get them to work with me but they would not. They kept telling me to borrow money from a friend, go to my church or sell things. Anyway, they added a $75 fee to my account for maintenance plus $70 in late fees. I am on Social Security. I told them to go ahead and send me to collections as they can't garnish my SS check. I am tired of being pushed around by companies like this. I will never pay them.

I paid an account in full, and received the invoice for $0.02 "credit protection," which I never authorized, and $2.43 'interest' for the charge I paid in full. When I called and spoke with someone, I asked for a supervisor. I was on hold for 17 + minutes before Alex (**), who repeatedly say, "You agreed to the terms" several times. Alex informed me that if I did not pay $2.45, "it will continue to accrue interest and penalties!

I applied for their Credit One card but they turned me down in seconds. How can you build credit if you are turned down for even a $300.00 card?

My credit card payment due date is on every 13th of the month. I always pay my bill online on time.

On August 6th 2011, I paid $50 on my visa card online then I got robbed the next day. My wallet was gone, so was one of my checkbooks. My bank closed my checking account and opened me a new one. Meanwhile, I called Credit One and explained the situation. On August 10th, the payment I made on the August 6th was returned. I made another $50 payment on August 12th online and on time; my due is on August 13th.

Although I managed to pay on time, Credit One charged me $25 for a return payment I made online. I closed the credit card account and paid the balance of $470.84. I have no more business with Credit One.

I received a preapproved credit card offer in the mail and was encouraged to go online to apply. I did so, and almost immediately I received a notification that I was approved for $1000 credit, and to choose my card.

There was no mention in any of the fine print that there was a fee for the account, and a fee for the card itself.

I received the card in the mail about a month later, and within two days of that received my first bill. I had not even activated the card yet.

I called the number for customer service; I was told to call back the next day because their system was down, and they could not access anyone's account. I asked to speak with a supervisor, and I was disconnected. I will try to call again tomorrow as they asked; however, I suspect that it is a rouse.

I will send a certified letter terminating the account, and hope that does the trick.

This is about Credit One. I got my bill from them and it had a $33.25 late fee on it. I checked my bank account against their records, and my records showed that the payment was made. So, I called Credit One and they explained to me that they do not apply your payment, if you send it in early. They just apply it to your balance due. I explained to them that I have records that show where I make my payments every month. They agreed that I did make that payment. They said if you make your payments early, then they will not apply it to your payment. They will apply it toward your balance and cause your payment to be late, and then charge you a fee for being late. I feel that this must be illegal, but they say that it is legal to do. I make $8.50 an hour, so a $33 late fee takes away the money I already do not have. I pay all my payments on time.

When they mail out a bill late or I receive a bill 3 days before the payment is due, they say it's my problem not theirs. I get charged late fees for the payment being received by them 1 day after the due date, but the payment was sent out with 7-10 days ahead, or with bill pay from my personal bank. When I signed up for the card, I called and asked about the members' fee and I was told it was a 1 time fee of $99 spread out through the first year only, but found out instead it was false. I was charged the fee every year since 2008. They are disrespectful and put all blame on the customer, but will never take responsibility for their mistakes, and yet the customer has to pay for it.

I have been charged late fees, charged for membership fees, which were not what I was told by me from a Credit One Bank representative. They emotionally and verbally abuse you as a customer and are very harassing towards us. No customer is ever treated as a valued customer but yet like criminals, scum, and like they are better then us. Never have I been treated so poorly like this before and I am emotionally drained and at my wits end with Credit One Bank employees' abuse of power.

I got through the mail a Credit One Bank Visa card around October 5th this year and decided to activate and use this to help on my credit.

Today Friday, 11/12/2010 I didn't receive a bill from Credit One yet so I decided to see if I could find on the internet a website to check my account status. I found their website and activated myself into it and found out on 10/5 I was charged an annual fee of $75 with a minimum fee of $25 due to them by 11/1 (I never received a bill for this). Then I found another statement that the billing period ended on 11/5 (I never received a bill for this) that I was overdrawn on my $300 credit limit for $320.63.

I then called their billing office today just to see what the heck is going on with my bill and try to get some explanation as to why I never have received a bill from them. The person who answered on their end was from a different country that I could not understand. I told them that the only way I found out that I was overdrawn was that I went and found out myself through their website and that I never received a bill from them. The customer service rep. said they sent us a bill and that I must pay today $75. I explained to them on the website, it shows that I have until 12/1 a minimum due bill of $50 and nowhere does it say I must pay $75. today.

I then asked for a supervisor who also spoke a different language and was even harder to understand. I had to give them my credit card number and last 4 digits of my social security number which as of this time was my 3rd time giving this out to them. The supervisor insisted that they sent us the bills and that we must pay the $75 today.

I told them to close my account immediately and the supervisor switched me to another customer service person who was hard to understand and had no idea as to why they transferred me to them so I had to give them again my credit card number and last 4 digits of my social security. Supposedly my credit card was closed. After this entire ordeal today, I received my first bill that says I owe $75?

In 1995, I was approved for a secured credit card in 1995 and we kept through 1996 and it ended up getting charged off. Now, I see that First Nation Bank of Marin has changed its name to Credit One and LVNV Lending and are double dinging my credit for $693. This is a time barred account and by federal law according to the FDCPA, this is an illegal action on the part of the creditor. When I tried to access the website with mine and my ex-husband's information, the account was locked by the administrator. This company really needs to be shut down by the federal government and all of us who have been victimized should be compensated for our stress and mental anguish and removed from our credit.

I am beyond fed up with this bank. I took their card to rebuild my credit about a year ago. I have had nothing but problems with their billing and when you request a pay off so I can cancel the account, another $30- $75 shows up. And when you ask them as to the cause, they never have a reason or they hang up on you when you start to get angry due to the fact that they wont answer you. Ive tried several times to write them and email the company and Ive never had a response. There has to be something that can be done to these companies that take advantage of people and get away with it. Thank you for your time.

I do not, nor have I ever had a Credit One card. However, somehow my home telephone number got into their automated dialing system for collections and I received over 100 calls last month asking for people I never heard of. After I got my land-line provider (Horizon of NJ) through their harassment hotline to contact them, I discovered there were 47 names with my number attached to them alone in collections. The person from Credit One realized there had been a computer glitch on their part since the names and addresses of the people they were trying to collect from were in different parts of the country and therefore couldn't be in my area code. They removed those 47 names, but another billing cycle has started and now calls for other people are coming in. In one day in Sept., I received 77 calls from this stupid company that I don't even have a card with.

There was no one looking for Jane, all the calls were for people I never heard of and when I would say that, the collector would demand that I was the name of the person they were looking for. One man was so demanding that he kept referring me by the name of Thomas, until I got so angry I started calling him Joanne. I have since filed a complaint with the Federal Trade Commission. I hope this helps, since I can't get through to their phone number listed on their website for collections, this too is automated and I can't supply a 16 digit card number.

I don't have a card with them. The I am stressed of dealing with these people, who most of the time I can't understand because it is outsourced and they don't speak clear English. Once every so often isn't a bother, but 77 times in one day alone is harassment, especially when they call me a liar if I say I'm not one of the many people they are looking for. Not one of them has ever asked for Jane (that's me), and they can't since I don't have an account with them.