Credit One Bank Reviews

I opened a card with Credit One bank 2 years ago, since then they reached out to me about increasing my credit line but after doubling my credit line they sent me an additional card. Then reached out again about increasing the credit line another $500 which was another credit card, informed them I do not wish to have another account so they increased a card $250. What happened to the $500? Every time you try and make a payment you are locked out of the account for "system maintenance" or "account suspended" then you wait 24-72 hours and log in and what do you see? More unnecessary charges added from the previous file review.

Go read the hundreds of reviews about this bank on Yelp..to verify what I'm saying is true. Scammers. No one in customer service will transfer me to a supervisor....I've had to call back 8 times now and give 8 different people my name address and social security information...Each time they say they'll transfer me to a supervisor they hang up on me....I got approved back in January and they said they've sent it many times...in January, in February and now in March...

Every time I made a payment to this company I would see it post to the account and then it would get returned the next day later and yes I have the funds available in my account. I’ll go out be possible to post and then they just take the payment away. It just disappears like it never happened and I have proof and screenshots of every time they did this Resulting in a return payment just so they can scam off making money from the fees that they’ll give you for doing that even though the funds were available they still kept returning. The payment makes no sense. Now my account is closed because every single time I try to pay it they wouldn’t keep the money there. It would post for a day and then reverse right back into my account. They’re a SCAM. But they sure won’t hesitate to take that $75 fee from you though within a week of having the card.

My only real complaint is their website... It is the worst website I've ever used! It constantly says my request has failed and won't load any of my information. Every time I make a payment it says it can't confirm my bank information and they need to send me two deposits but never do, so I have to make payments on both cards at separate times because they think two payments is an act of fraud, which apparently is fine to commit two weeks late, I don't know. Then they ask me to switch to electronic statements, which I attempt to and then it kicks me out of the site completely taking me to a page that says I don't have authorization to view the site. It's utterly ridiculous to say the least!

This credit company has been awesome to me so far with high credit amount. Their staff have literally gone the distance to help both me and my wife when we needed help. You guys are awesome. Great job.

One star because zero is not an option. They took my money on 3/4. Said it won't post until 3/12. 8 days after my payment. My bill is due 3/10. So here I am paying 6 days early and they say it's late? BEWARE - They purposefully make it impossible to pay your bill on time, EVEN IF YOU ARE PAYING EARLY. The customer service rep said this is typical. This is wrong. Predators. CALL THE NEWS, PEOPLE. THEY NEED TO BE SHUT DOWN.

They would not remove the annual fee as I had made one purchase on my card. Do not use this company as they will give you a credit line of $500 and then charge you $99 per year to have this. This should be illegal but since it is a fee and not under interest they can get away with this.

At first everything was fine, card was received in a good time, and payments made was posting. Once I missed one payment on time they “suspended“ my card until I paid at least a “minimum“ and I ended up paying a the whole balance off and was told it would reflect on my account as soon as possible which didn’t happen. Called 48 hours later and was told it would reflect the next day. Nnot only did it never happen but the payment I paid in FULL that was “pending” was completely gone as if I never made a payment and it was still saying “cards suspended“. Even though it shows on my banking statement, No one could give me answers as to why this has happen. They just keep transferring me to different people, I will be taking legal action. $300 limit they give which actually is only $250 isn’t worth it!

2 situations my card was compromised and it took 2 months to get new card. Then I was out of the country. Ran into situation. Needed to get my 75.00 cash advance but didn’t have the pin which was never generated and when I called they said pin was mailed the day before to my home. Not emailed and nothing they could do. I AM IN COLOMBIA. HOW CAN I CHECK MY MAIL and everyone I talked to could care less about your situation. I owed 30.00 which it was zeroed out before I left so there were 30.00 in fees for having a zero balance. This company is a joke. Run don't walk away.

I apply for a credit card to rebuild my credit. It took the company over 30 days to send credit card. I received an email from them telling me that my account was going to be closed due to inactivity. Called the company cause no card was ever received. They then sent me my 1st card that they deactivated due to my call about no card. Then I received a card and they deactivate that card. On Jan 17, 2023 I called cause I went to use the card I did have and they closed my acct. After about 10 calls later each time they told me that I would receive a new card within 10 days. No card was ever received.

They hold my payment ransom till after the due date and charge late fee, I’m dropping Credit One Bank card! Terrible card and customer service! If you want to build maintain your good credit don’t use this company!!!!

Do not choose this card. My credit score is 632. I applied for and received the Credit One American Express bank card. They are deceitful and manipulative because:

Just say at this point, Credit One Bank is great. I had a bit of a problem when I first started the program but now everything is fine and I'm very satisfied with my service here. Thank you again C.O.B.

This is, by far, the worst company to work with. My credit card was regularly stolen and when I would call I would speak with people who are VERY difficult to understand, speak over you, and consistently transfer you to another person. My credit card information from Credit One Bank was stolen in October and it took them two months, and my constant calling to reverse the charges so I wasn't paying interest on those fraudulent charges. I decided I was just going to be done with it and I made a payment on 12/21/2022 to bring the account current while they continued their investigation into the fraudulent charges. I called two days later on 12/23/2022 to close the account. I then waited for a check in the mail for the over payment I would receive and now, in February, I receive a phone call that I'm past due on my payment for them? What? How?

This has been the WORST experience that I’ve had with a credit card company in my life. I have not had a credit card for over 3 months. They lied & said they sent it out. I updated my address. Waited two weeks later and I didn’t receive anything. I called back again and they said they had a credit card shortage, so there was a delay. Then they said they sent it & expedited it. Two weeks later, still no card. I called back AGAIN & they claimed to had sent it to my old address. I updated it with them over a month ago & I had my mail forwarded. They lied that time. I spoke with a supervisor who promised they would send it out. 3 months later, I STILL DON’T HAVE A CREDIT CARD.

Although Credit One offers a pretty good card, their service is horrible… My account got shut down for 0 reason, never missed a payment and have had card about 3 months, when I call to find out what’s going on they inform me my account has been closed, when I ask why I can get a straight answer, finally an “account supervisor” gets on the phone and tells me about “reversed payments” from this account… Every payment he brought up was taken from my bank account and I provided him reference numbers… He then asks if I could send in my statement so he could open an investigation… Too much trouble for no reason, I’ll use a different card moving forward. RUN AWAY IF YOU'RE THINKING ABOUT USING CREDIT ONE BANK!!!!

I have called five times, and also spoke to supervisor regarding card approved for in November. They keep saying they are shipping new card but it doesn't come. Funny, I did get a bill and letter from them though. Why are they not sending cards? Are they just using my information? Doesn't seem legit.

American Express should get out of business with Credit One fast. So I lost my card I called to cancel the old one and requested a new one. A month later I realized I still haven’t received it yet. So I go into my online account cause I know they have an annual fee of $95 and wanted to see if it was charged to the card for the new year. I found 599,00 charged on the card $400 at an Apple Store and 199 at a rite aide. I said how is this possible I didn’t even get the card yet. So I called them to tell them what’s going on and to let them know there are fraud charges on the card. They said we will have to review this but in the mean time you will have to send us a utility bill and your license so we can confirm who you are. I said, "Are you serious?"

I have been a Credit One card holder for about 5-10 years. I have had several issues with transactions being declined to avoid fraud. Embarrassing, but not unique to them. I have always paid on time and usually try to pay off each month. One often you cannot pay completely off unless all your transactions are early in the month. Not sure, but this is a bit annoying. I do not care for the 7 days after paying to have credit available, but still not my biggest issue. For the second time after making a payment (to pay the card off), they have suspended the card because my payment could not verified. The first time I provided them with the information they requested (proof the payment came from our bank account) they never reinstated. Then when we called, they said they had closed the account because we had not submitted proof. We cut up the card and it is still showing as an open account.

I applied for the card December 17th 2022, was approved on the 20th. Didn't get card until January 19th, but it was sent to me overnight, which I thought was nice. They also refunded me my annual fee because they were late sending my card. So overall I think they're very good and I would definitely recommend them. Thank you Credit One.

Don't suggest anyone apply this bank.. They keep over withdrawal for no reason.. I paid on time and they keep over withdrawal... hidden fee or whatever ... Don't apply this bank.. and hidden high fee that I don't know.. hurt my credit cause this...

Card itself is okay, so long as you never need help with anything. They have hands down the worst customer service I have ever had the pleasure of dealing with. No one I have interacted with speaks fluent English and on top of genuinely not being able to understand the CSR, the few of them that I have spoken with are beyond rude. They act extremely annoyed to have to be helping you and I use the term helping very loosely because helpful is the last thing they are. Not to mention not only can you not understand them, they can’t understand you either so it’s a phone call of constantly asking one another to repeat themselves, except they ask you to do so in an extremely rude, arrogant and condescending way.

My initial experience with Credit One was great. I had 2 cards, 1 for approximately a year. All payments except one was made on time and even that one was corrected shortly after. Few months later my lease was up and I had to move ~ unfortunately there were unexpected expenses related to move that threw my whole budget off. When I made my payment, I mistakenly provided them the wrong bank account (I have 2) ~ they attempted to push the payment multiple times running up nearly $100 in fees. It was my error so took that one on the chin, called them and gave them correct account. As I said budget was thrown off another payment came through and one of the payments didn't clear. Again - my error, however I immediately called them, requested to re-run the payment - they would not and closed one of my credit cards.

I rarely can make a standard payment and can't login to account and can't speak to anyone when I call. I think a 1 star is too much. I've tried everything in my power and cannot even see a statement of what I've been charged.

I've had my card for over a year now. I've paid my monthly bills on time with no issues. Until I was recently notified by Experian that my credit usage went down changing my score. Now I'm thinking how.... It's crazy I don. Didn't need any funding. I'm doing good with income so no need to spend unnecessary from card. Somehow my card balance was low. I called and I was told they didn't see anything suspicious on it as if it the activity been erased. Sounds nuts I know. Then I went on to ask for a replacement as I wasn't getting anywhere trying to explain to them how 96 dollars has just been taken out of my account. It's been 3 weeks since then. Today (1-12-23) I called to see the status. They wanted my SS#.

The worst bank I've ever had. Don't waste your time and money. They make up charges and fees. And when called and asked about it they closed my account. Credit One bank said it helps your credit. It does not.

Beware of this company! I Ordered a new card 2 months ago and still never received it. I Call them back 2 weeks later asking where it is and they lie and say it was shipped. Called back 2 weeks later again. They lie again and say the post office won’t allow shipping to my address. (I got mail from them before and after this but no card. I even get mail at both my address and mother in laws address About my change of address.) I call the post office. They say that’s a lie that Mail is not stopped at my address and never has been.

It’s funny, they talk about phishing on their site but the employee I just spoke to kept asking for my ssn, address, birthdate, and full name. Why do you need that information? You aren’t opening a new account for me! Also, it’s SO ** annoying that every phone call is someone with a thick ** accent. I understand they are outsourcing but I can’t understand wtf they are saying! And they don’t understand American mannerisms. It’s rude to say “AND YES MAAM make sure you do this AND YES MAAM make sure you do that AND YES MAAM don’t forget this.”

I have always been in good standing with Credit One bank. On Dec 13th I reported one charge for 96$. We ordered new cards and after 15 days of not receiving my card I called. They told me, "I’m sorry but we have had some technical difficulties. But your card was sent out today. It should be there within the next three days." It is now January 9 and I called to inform them that I still have not received my card. Today the information I received is that they are having a hard time getting the materials to print our card, and that is why it has not been sent out yet… NOT!!! been sent out…

Credit One Bank is the most deplorable Credit Card Service anyone may want to experience. Here are the reasons: 1. They lack absolute customer satisfaction philosophy - 2. They have fraud orientation. 3. Their pre-approval process is fraud. 4. They are total fraud. 5. They are nothing but fraud. 6. 100% fraud. 7. Everything about their operation fraud. If you try their product/service, you will regret big time. Don't even waste your time.

Credit One Credit should not be advertised or recommended by credit bureaus. As a card to use to build credit. The payment policy is ridiculous and has you set up to fail. It takes 7 to 10 days for a payment to process and post to your account. So even if your payment is made 4 to 5 days before it's due. You run the risk of it being late even though it will show it's processing. You have to pay to have it immediately posted to the account. This in addition to high interest rate and annual fees.

CreditOne Bank is a predatory lender. Anything they can do to charge fees or make it difficult for the borrower, they do it. Payments after 4 pm or on the weekend are considered late. Historical transactions cannot be downloaded online (only viewed). Login Verification Texts are not received making it difficult to log in and make payments. Interest Rate is ridiculous. Pay a fee if you want payment to be reflected immediately. Pay a fee if you want to make a payment over the phone. I HATE THESE CROOKS!!!

I had this card for several years. For some reason I did not realize my $39 annual fee was due. I never received a notice. I was then charged a $30 fee a few weeks later. I finally got notice they were suspending my account and charged me another $39. Previous to this I had a zero balance. So, after $110 in fees and never before late the account was suspended. I paid the fees and promptly cancelled this ripoff card!

They call you every hour to "remind" you your payment is due in a few days, even if you have a pending payment. It is almost impossible to get to talk to a human, and when you get someone, you can't understand them. The card is awful as well and it takes almost a week for a payment to process. Even if you have a payment processing they charge you a late fee if they don't take the payment from your account by the due date. I would not recommend this company or card to anyone.

I should have known when there was a limit to how many payments I could make. They closed my acct for a payment which my information was approved on their site. They accepted a payment after this one from same bank. Never knew my acct was closed. They charged me late fees on an acct they closed. I would never recommend this scam credit issues to anyone.

Credit One card was ok for about a year. They added on Credit Protection without my consent and charge me $6.67 a month. Also added almost $2.00 a month for cash advance that I never used. There was a charge I didn't make $129. 99 so I called them. They gave me a new card number. All I know is the last 4 digits. The card I have is my original one. I never got a credit card with the new number. They gave me a credit for that charge and then added it back on again. I tried to call and their phone cuts my call off immediately. They will continue charging the fees and ruin my credit since I can't make a payment. What can I do? I'm going to talk to an attorney. Please if anyone reads this don't accept a card from Credit One.

I originally got this card to assist me in raising my credit score due to my credit score being in the toilet. I was approved for $300 from the start. Within 7 years my credit limit had be raised $950 and stopped. I called and made credit line increase requests multiple times with non ** people telling me they have NO control over the decision to increase credit limits because those decisions are automated, made increase attempts on the website multiple times, and even changed my annual income when it changed and still no increase.

I was approved for a simple little card. Nothing has ever shown up for 4 months yet it shows how I still owe a annual fee. Every time I call the company a foreigner answers the phone which has the worst English on Earth and they end up telling me I'm not allowed to cancel the card nor could they help me any further if I don't give them my social security number and address. I 100% believe this is one of those scams in India or one of those countries over there that just steal from good people because they're bad people. There's no other way to word it!

Credit One is charging fees, sending a bill for those fees, BEFORE even sending consumers a credit card. It's been OVER a month. MY 1st calls to them were being assured that no statements no reporting UNTIL I received a card and activated it. A week later I get a bill in the mail for 75 bucks (an annual fee)... BUT NO CARD EVER. Hoops and excuses why cards aren't sent, and treated very rudely when I questioned Why, I was told one story, then the opposite. A BILL, NO CARD, that 2nd call the lady IN VEGAS, tried to degrade and belittle offering me 6 dollars off...OFF WHAT. I don't know about most, however, I don't pay ANYTHING, for something I never received, that was never sent, and never activated. Two stories, total opposite with each call. IT HAS TO BE ILLEGAL TO BILL FOR SOMETHING NEVER PROVIDED, NEVER SENT.

First off it’s been over 35 days since approval and still no credit card. Credit line is VERY misleading.. Make sure you doublecheck this before you accept the card and customer service will lie. Go with Capital One if possible. Anyone but these people.

Updated on 03/05/2023: 1st it took them over 2 months to send me my card, they have yet to list it with any credit Bureau and now claims that express pay is under maintenance, so everybody has to pay through a bank account, so they hold onto your money for 7 days, to collect the interest.

2 months ago I applied thru Credit Karma, I was approved. Know, I already have 2 other cards and a decent credit score. Credit One tells me that I'll have my card in 7 to 10 business day. 12 days later I call, oh look at that, they just mailed it out, so they say. I wait, and wait, and wait. 2 weeks goes by, I call again. Now I'm told that they are having trouble with the supplier. Ok, let's go that route. I wait, and wait, and wait. Then I get an email stating that I am past due on my bill. My bill, are you serious, the card was never received or activated. So I call, they act caring and say they will change the due date. I ask why do I have a due date when the card was never activated. No real response.

I filed a dispute for two unauthorized charges from a rental company. I provided proof of the authorized rental charge and the rental contract agreement associated with the rental. Credit one took over 120 days and only because I complained about the dispute not taking place per the rental company statement that Credit One had not contacted them regarding the charges. After well over 120 days, Credit One stated that they had conducted an investigation and found favor for the retailer. The retailer basically called credit one liars. They were never contacted. Also, Credit One has charged me for instant credit per payment made via debit card. They took the $4.95 fee but didn't provide the instant credit. This has happened several times. Another complaint is about the cash back, it's never available to add to your account. I will be closing my account at the end of December. I only got the card because I thought it was Capital One I was applying for.

I am still waiting for my card. When I called, could barely understand the customer service person, and basically was told you will get it when it's mailed out and was hung up on. I did just get email saying it's taking longer to mail out cards. Wish I was told this sooner or it was advertised, not the 5-10 days. Not a good way to start.

There was fraud activity on one of my cards. They said they closed the card but I still had an annual fee on that card. I called them several times and they said they were investigating it. While awaiting for them to contact me they double charged the late fee and made my balance go from $200 to $460. They did not resolve the issue and now they want me to pay on the card that was closed. I am looking into an attorney since they don't know how to treat their customers with professionalism and have an incompetent process.

This company is horrible. 1 week after activation there was a $1300 fraud charge for $500 over my card's credit limit. When I called to talk to someone I was calling India. It took 5 different people to verify my name, address, phone number, card number and social security. It was the worst almost 2 hours I ever spent eventually closing the account. Nightmare company!!!

Do not do business with this company. They are bullies and liars. They let you make a payment and then block you from using your card. They pick and choose the transactions they allow to go through. They think I am going to continue doing business with them after they illegally treat me like garbage. They blocked card for transactions right after I paid them. Then when I call to find out what I'd going on they turned around and made sure none of my transactions went through. ASKED TO SPEAK TO AN AMERICAN SUPERVISOR AND ThEY PLAYED games. They claim they are closed or under maintenance. I'm done

$40 "payment" fee 2 months in a row BEFORE THE CARD WAS EVEN SHIPPED!!!! Called customer service multiple times, eventually got ahold of a VERY rude individual to try and explain the situation only to have him hang up!!!! Closed the account weeks ago. "You owe us money", $300...

I applied for the Wander card. I was approved and verified. I received emails stating my card would be mailed within 10 business days. After waiting, I contacted customer service to inquire about my card. They said it’s not ten days, it’s 21+ days. Nowhere on my application or emails did it stated this extended time. I was told by numerous representatives that their website and my emails were incorrect. What?! They stated on their end it states this. I asked where can I find this information? Ultimately, nowhere stated this. I have immediate regret about applying for this card. It has absorbent APR and interest rates. If you need a card, go somewhere else. I have spent hours and hours on the phone today which led to no resolution. Predatory company. Disgusting.

They are illegal, they've got to be illegal, there's no way what they're doing to consumers is legal: they close your account when you use a different checking account to make a payment and report you to the bureaus as fraud??!! Like your family member or friend can't make a payment for you using their account, they're being slapped with a BIG LAWSUIT for messing up people's credit story!! Not only are they the ONLY company that charges for credit limit increase, their annual fee is HORRIBLE, their interest rate's exorbitant, their credit limit is lousy, even for people with bad credit, they're highway robbers!!! They need to be shut down! Every other credit card company in the country is better than them, they're literally the WORST...RUN!!!

I applied for this credit card over a month ago and wish I hadn't. I've now waited a month on my card and they took the 500 out of my account to put on the card! Every time I get an email saying, "Call if you haven't received your card." I call and they literally hang up on me or go silent! Then they tell me they didn't mail it out but they will today. 10 more days go by and same thing. I said, "Jesus if you haven't mailed it out to me yet just cancel it and refund me my money!!!" They then say, "Well we can't do that." DO NOT USE THIS COMPANY!

My card was damaged and needed to be replaced. Not lost, missing, or stolen, but damaged. I called for a replacement and specifically asked that my wife's card stay active. I also paid to have the replacement card "expedited", meaning I would get the replacement in 3-5 business days. They decided to cancel and replace both cards as if they were lost. This was 6 weeks ago. After multiple phone calls to the Middle East and speaking to multiple people who are extremely difficult to understand, we received 1 card. Now, they can't seem to figure out if a second card was sent. This company is a mess.

I've been trying to contact for the past week to request a verification of payment letter. Every time I call they state it’s takes 4-5 for a payment to process. I explain to the rep that is impossible. I made my payment with a debt card. She quickly change her tone and said I can put in the request but it take 48-72 hours. Ok that’s fine. Here we are 3 days later no letter. I still have no letter. I keep calling and they're giving me the run around. First Rep I spoke to that was a manager Rep ** and he said like he was just reading a script over and over. The unhelpful second manager I spoke to said I just had to wait. Number **.

Back in March there was 6 of the same charges that I didn't make until this day they are fighting me for it. I was paying the minimum payment so I don't hurt my credit so now they believe that it's me.

I didn't order this card, but got a bill for the annual fee anyway. I told them and they said give it more time to arrive. Reeks of a scam. That's how they scam you; they make you think you ordered a card and were approved, and then send you a $75 bill for the annual fee.

I got this card to rebuild my credit. Paid their ridiculous annual fee and used the card a couple of times. I missed ONE $30 payment as I had Covid. I continually communicated with them over the course of 10 days, set up a $150 payment. I paid and then they cancelled my card. I had it a total of 2 months. Paid them the $75 fee plus $150. The card still has a $225 balance on it and only had a $300 limit to begin with. Fee after fee will be charged for this card. It’s a terrible card to have, there are others out there to rebuild credit. My credit was only bad due to student loan debt and no credit cards or credit card debt, so I needed a card. My fault for choosing this criminal company

I got this card some time back and have used it and paid it off..Now during this economy and at xmas time I 8 days late on the payment..Yes I understand I was late...8 days!! My card was shut down by them over a wk late when I needed them and my card the most. It was put on hold. I'm so not impressed and will no longer use this card...ever!!! I would understand if I was continuously late or was a 30 day late...but a damn wk??? I was counting on that card for groceries for my two toddler granddaughters...who now have none because that card was shut down without even an email or any notice..I will never recommend this card to anyone..The only reason I got this card in the 1st place was that it's a visa card..but hindsight??? Hell no!! Never again!!?

This website is down more than operational. Constant issues signing in, even a customer service rep I got on the phone commented on the horrors they have with the site. Updates take days to happen, they charge an annual fee via a monthly charge. Outrageous interest rates and almost impossible to cancel your account or close it.

They approve me for a credit card and after a year using it I had to move to a different address. Well I end up calling and I never got the right help plus every time the phone call breaks up and you can barely understand what they say, and now I’m so mad at them because they block my card. I can’t used it and even that I told them that I provided a address identification they don’t want to unblocked. I’m done with them. Not recommended at all.

If you pay the bill the says it's due you get a $30 late fee. I paid via express pay that instantly changes my available balance and they charge $4 for that option. Now the next day I get an email my bills overdue and they applied a late fee. So one day late you get a fee even if you paid the day the bills due and it shows on your balance. If they were honest there would be no fees applied if you paid on time. They think they can give, print this stuff and people just accept it. Now the arduous task of looking at 3 years of bills and getting rid of this mess to see where else I was charged for oddities or paid my bill on the due date. I have 2 of their revolving credit cards and nothing to do with their banking.

I have a Credit One Bank credit card. I have had the card for 5 or 6 months now. They have refused to verify my bank account so I can pay. They charge me $5 extra every month for calling. They take money from same account they won’t verify. Do this to 10 thousand people and you have an extra 50,000 someone should investigate this. I know I am not the only one.

You'd be better off getting a loan from the mob. The interest rates would be lower but not only that they find a way to tap on an extra 30 some odd dollars on you for saying and pay the bill on time. When I clearly paid it the day before like I always do even adding in then I didn't pay it the day before and it would have been 10 minutes late it would have been paid after 5:45. If I had paid it on the day they said I did which I didn't and because of the 10-minute difference they want to add on 30 some odd dollars. I intend to pay this bill off with everything but the 30 some odd dollars cut up the card and announce to the world to watch them.

I applied and received a credit one bank credit card back in August this year. In October I paid the card off in full and changed my address. No one notified me of a block or any type of identity verification requirement until 8 days after they blocked my card and I called in because I was declined when trying to use it. They claimed it was for identity verification and my account was flagged for fraud. Since when is fraud paying a card balance off in full? ($995). They requested me to send W2, a UTILITY BILL to show my address, license/ID. I sent these items over a month ago and was told because I don’t have a W2 I don’t meet the requirements for identity verification. I explained I was on disability and I also then had to send my passport. Still no communication from them about why the card was blocked or when it will be unblocked.

On Wednesday 11/16/22 I attempted to open an account. It took all my information including my birthdate and SS#. When it sent me a six-digit confirmation number it went to my junk mail. I called customer service and was told to check my junk mail and try again. When I started over, as directed, it said I already had an account, but when I tried to open it The website said I did not provide sufficient info to continue. I called back and again spoke to Joe in CS who tried to find my account but could not. He told me he would contact his superiors and find out how to proceed. He told me he would call me back as soon as he heard from them.

I close my account on 11/12/22. I recorded the Operator #, and a Confirmation #. I was assured there would be no further charges. 11/18/22 - Receive email stating my statement is available. Upon review, my account was charged the 'monthly' portion of the annual fee...plus interest... WHEN? you ask, "Oh the charge was on 11/17/22." Customer Service stated (called 11/18/22), that my account status was 'closed', WHEN? you ask, "Oh 6:05 PST on...11/18/22." Are you kidding me. They left the account open just long enough to charge the fee one last time and then force me to deal with it.

Every time they offer no assistance. They tell me they can't do anything. Takes 6 days to process payments. They refuse to change my billing date. What miserable company. They do nothing. They offer nothing. They do not care.

I have been a customer of Credit One Bank credit card services for a year. I’ve read reviews with Consumer Affairs and completely disagree with many others. Do as you’ve agreed from the onset. I pay before the due date, have never had any issues and I’ve never gone over the credit limit! It’s that simple. It’s highly recommended to take advantage of their credit protection program as well. In the time I’ve had a Credit One credit card, I’ve been offered a second card with a huge credit increase and a huge interest rate decrease. The mobile app is great! It’s very simple to use to see your transactions, watch your balance or pay your bill. It’s equally as simple to reach customer service by phone if needed. I’ve called customer service twice in 1 year and there’s never a wait time. They’re extremely courteous and efficient! What more could one ask?

I opened the card trying to increase my credit score. I don't use credit. I pay cash or don't get it. I can't login, can't pay my bill & can't get hold of anyone same as last month and was told no late fee because it was only hours after the due date which I had no way of knowing since I never got a statement and had been trying for 2 weeks to contact someone. I was charged the late fee and here we are again unable to pay my bill. I will be closing my account asap. Don't need the stress.

This bank is garbage. They prey on people by using tactics I’m sure are illegal. Yes, I have had insufficient funds. When this happens they automatically unenroll you in autopay. When you log into re-enroll either the website is down or they make it impossible to figure out or get in touch with them. They are the first to report delinquency to the credit bureau. These suckers take advantage of people with bad credit and I would suggest all people considering this card to beware. They will be the first card I pay off and I will cancel my account. Can’t wait! They suck and don’t deserve one star.

I have not had any issues per se with my credit one American Express card… I went almost 10 years without using credit and although had absolutely no bad credit and paid all my bills on time on my house, free and clear, and all of my vehicles etc with a strong net worth I ultimately learned my credit score was below 600 or at 580 when it used to be 800… It took me over a year to get it back up and I was dumb enough to get the credit one American Express card. Now I’ve never carried a balance and I even used it heavily making sure each month it reported zero… The funny thing is they gave me a $500 initial limit and the day I received the card and activated it. They increased it up to $650. I’ve had it for 11 months now and have received no other increases nor have I requested an increase.

I have had a Visa card with this bank for 2 years. Recently my card became damaged. I called to get a replaced, only to hear first it would cost $22 then I called to report it stolen so I could speak with a human. I explained I have the card saved in my Google Pay Wallet as a virtual card but that I had now misplaced the damaged card. I got a rude lecture from some outsourced young foreign accented male (young as my grandkid probably), about it's my responsibility to take care of the card, when I explained I called the lost line in hope of avoiding what I feel is an excessive charge.

I got a card but closed the account because not enough line. Was told the annual fee. Because I only had it 3 days now they are charging me the fee and late fees and interest on a closed account and calls constantly.

This bank is absolutely horrible and does not respond to customers inquiries. I attempted to reach a representative and the automated system does not allow you to speak to a human. The only thing that they do well is collect your payments due.

I am no stranger to Credit cards. I currently have this Visa Card and am in the process of canceling it.. This Platimum Visa is one you don't want even if you want to rebuild credit as it won't help in that regards. It only reports to the credit bureaus about once every 2-3 months. It's so-called free credit report is highly inaccurate because they don't update it very often.

I like many others had credit issues and wanted to rebuild my credit. I received an opportunity to receive the Credit One card and would use it and pay it off each month. Each month I noticed different "fees" and would ask why my printed bill would say total amount due but when I call on the phone to pay the full amount there was another "fee" that could not be explained. I stopped using the card, then when my daughter relocated, I used the card. AGAIN, received printed bill for total bill amount, called on due date and paid total amount. Called two days later to make sure my balance was zero because of issues in the past and BAM, I was told I owed $54 because I paid my bill at 8:30pm on the due date and not 5:30pm!

Complaint Details. I closed both my 2 accts with this company back in March 21. After being alerted by Credit Karma in June 22' that I had a past due acct with Credit One, I called credit one's customer service and explained I no longer have any accts or a balance with this company and ended up escalated to a supervisor who said It only showed me as closing one acct not both in March and that I've since been charged a annual fee, late fees and interest on this acct. I said I closed this account already but haven't used it in at least 3, maybe 4 years, which is why I closed them to begin with along with Fraud getting pretty bad. I asked him to please reverse whatever charge they gave me and close this acct for real this time. He put me on hold to research my acct. He said they'd reverse the charge and he'd close my acct for real. Now he did close the account but didn't reverse the charge.

Very rude customer service lately. I had 2 credit cards with them. One payment will go through and the other one will decline leaving me with return fees. They talk over you and don't let you explain..

Do not get this card. Very hard to make payments, they charge you to take the payment if you are not set up with bank account. I’ve been trying to reset online app for weeks. They are no assistance, they never give credit increases even if your credit has improved, this is not the card you want to use to build your credit.

On 10/3/22, I called Credit One Bank and spoke to representative Leo at 877-825-3242 who advised me that my October payment can be deferred due to Hurricane Ian that had hit Florida. He said my next payment would be due in November. All my other credit card companies were offering the same without any reservations. I received a bill that is due 10/20/22 in the mail. I called back Credit One and spoke to rep Shecila who told me she had seen note from 10/3/22 when I spoke to Leo but they cannot defer a month's payment. They can only waive a late fee.

I was approved for this card and made my payments on time every month sometimes $50 more than the normal payment. When I went to pay through the app and told me my payment was due the 13th of October this year but then my credit limit was gone. I called them. They said my payment was due on the 7th. I tried to explain to them that the app said the 13th. They would not work with me so I feel this was predatory so I advised them I will pay the card off for and cancel it. I feel like I was ripped off in so many ways. The app gave a different date so how us as the consumer going to know that it changed?

This is the worst bunch of scumbags ever. They immediately charge you a ton of fake fees and then make it impossible to fight them by not having any way to dispute a transaction or fee. I've had the account for one month and have had to call them 11 times and spends almost 7 hours on the phone just trying to get fake fees canceled. Over time the call 'accidentally' gets disconnected. So pissed off the government allows companies like this to steal money from people. It's insane they can get away with this.

Had a representation call me at 8am on a Sunday a day before my payment was due, asked if this is how they do business? Their customer service said, "Yes they call to remind you."- Sorry I am an adult and don't need 8am reminders.. Wtf. Worst 3rd world customer service ever- tried making my payments online and was unsuccessful so had to pay the fee and had to deal with customer service. Was offered a credit increase and was told there was a fee. What? Ridiculous, bad company policy. There is no reason for that.

My purchase was declined today at the Emergency Vet. I cannot get into the app I recently downloaded and the representative spoke such broken English that I could not understand a thing she said, other than that there was no one in IT that could help me. I hate this card already and I haven’t even started with it!

There are many bad reviews, however, follow the rules and everything will be just great, high fees, what do you expect, you have bad credit, but if you pay it off every month no problem, the best way to make a payment is make payments through online banking, otherwise your payment will be held a few days to clear. Use it every month for small things and pay it off every month, that’s how you will get ahead. Those that have bad reviews are those that are not working the system smart, after your credit get straight, close the account if you choose to and get a regular card. This card will work if you abide by the rules and stay ahead of the game.

I live in Orlando Florida and these people called my 32 times asking me to pay a bill during hurricane Ian. While my house is flooding and fence and trees breaking all around me they are asking for a payment. I said I'm in the middle of a cat 4 hurricane and you are asking me to make a payment... They responded, "Sorry you are having such a rough time. When can we expect a payment." Never in my life have I been so furious at the inhumane conversation. State of emergency doesn't mean anything to them! What happens next will be their own fault

Received the Card a couple of months ago. Used it a few times. Paid it off before the due date $300 to 400 dollar payments at a time. Called customer service close the card, I told them the annual fee was too high. Customer service rep talked me into keeping the card after raising my credit limit to $500. And said I wouldn’t be charged any fees and so I agreed to keep the card. Made another $110 charge on the card to pay my AAA bill.

Credit One is horrible. They get a -10 in customer service, communications, process, and they don't give a crap about their customers. I got approved for their Wander credit card. I received the card, use it 4 times and they decided to put a fraud block on it. I sent copy of my driver license, bank statement. They didn't feel the bank statement was good enough, however o one in their organizations emailed or called me. I've sent several documents to prove I am who I am. I've spoke to numerous reps and managers. Here we are 4 weeks later the issue still have not been resolved. I've been told by managers they would call me back but that never happened. There are no words to describe how horrible this company is. My next letter is to the Better Business Bureau and the FDIC since they are a bank.

I made a two month payment back in the early part of Sept, called to see when I could use my credit card and was told by two representatives the card would be available for use on the 26th. Went to use the card and it said declined. Called Credit One bank and the story changed. Had to wait another day and no one would refund the money or open the card for usage when two representatives told me on the 26th. Very bad business. Please don't ever get this credit card or do business with this people.. I beg anyone, please don't use this company, they're awful and I never put reviews on a credit card company... BEWARE...

We made a payment to our credit card in the amount of $510 on August 21, 2022 from the same account and method all our previous payments have been made. Credit One accepted and posted this payment. On the app, it shows our credit available being $489. There was no correspondence to us nor did we receive our money back. However, we tried to use the card today to get supplies for a coming hurricane and there is a block on our card.

Awful customer service! They charge you in order to make a quick payment which is clearly a scam in order to make people desperate for purchasing power even poorer. The only compliment I can pass along is that they have attractive card designs. Things got even worse when I called one day because of them erroneously reporting me as 30 days late on a payment, further damaging my already abysmal credit score. They then told me they're also closing my account because of a few returned payments, DESPITE the fact that I have always paid on time and have regularly gotten my account balance to zero. While sobbing on the phone to customer service they told me I couldn't do anything to stop them from closing the account, and that it couldn't be reinstated either. This company is so predatory and they can't even do the bare minimum for the well-disciplined customers like me.

Yes my name is Mr ** and I have had a Credit One card now for roughly a year now and I always have made my payment on time way before they're due and always denied credit increases. Horrible experience with this company and can only get store credit, not cash when need cash and pay yearly fee for what!!! Can only get quarter of limit cash, I'm sending them my card back. they can stick this card where the sun don't shine, I'm getting a settlement of roughly 250.000, they can have it back, get a secured card if you're needing to build your credit, also they charge you 4.95 processed fee for immediate availability of funds even if it's debit transaction, sincerely Gregory **

Got a credit card just the other day. Couldn’t use it this morning at all. Turns out the second you activate your card they snatch 75.00 out so on a 300$ card you only get 220 and they think this is good business. So who in this nation think this is a good deal. It’s like why do you make people jump through hoops if you're just going to take it back immediately. Horrible card customer service and bank. Please avoid at any cost.

I've been a longtime Visa holder since 2021. Never any problems using my card nor making on-time payments. Until it wasn't. New card that I never ordered arrived in July but I never activated, because I didn't need it. Went to pay the bill on my original card, and the website was down. This happened several times thereafter. Forcing me to call Support just to pay on my bill. Then when I finally logged in, a small balance was now showing on the newer card that I'd never used. Support seemed confused over the situation, then reissued me a newer card! I'll be glad to pay off my balance and then say buh-bye.

Made a payment, even paid the convenience fee, just for them to put a hold on my account. Told me I made too many payments and that my bank is withholding the funds - which is incorrect. The funds have been withdrawn from my checking account. They told me if I want the available credit then I have to prove to them that the money came from my checking account - mind you, this is the same checking account I have used since I got the cc. Told them I would not do their job and they need to figure it out or refund my money. Supervisor was very rude and told me that I need to stay on top of my bills.

This "company" is straight predatory and criminal. Opened an account in beginning of July. Did not receive the card until end of August and had a late fee for an inactivated card. Took no less that 5 days of calling to get the late fee removed. Used the card, made a payment twice the minimum and three weeks before due. Their response was to restrict my account making the card unusable. Spent three days dealing with what they call customer service to be told my account was only open to accept payments to the account. Asked why I could not access my available credit, got no answer, just told over and over again the restrictions could not be lifted.

I had some fraudulent charges on my CC. I reported this to Credit One on 8/10 and they removed the charges and said they would issue a new card and mail it to me. After waiting almost 3 weeks I still did not receive the card so I called again and was told they had printed the card but failed to mail it. She said she would express the card to me. After another week I called again to find out the status of the card and was told it was never mailed. I asked for a supervisor who told me we would have to start the process all over again. It's been 32 days since I first reported it stolen and no satisfaction. I cannot believe they screwed up twice and then refused to expedite the card to me somehow. Very bad customer service. I am dumping this card company and going with someone else.

My experience is exactly the same as others.... I had two cards, and suddenly one disappeared. Now they want all types of documents to continue, even though no late payments ever. Many others report continued harassment even when documents delivered... Some even continued fees even though account closed. I'm trying very hard to avoid this... Already have one account closed although never a late charge, or overdraft...They do not cooperate.

If you don't pay to make the payments they don't post even if your money is in your account it will still show as insufficient funds if you use standard payment method. After three times of the payment being returned they will close your account after jacking up the interest rate and you will continue to make payments on an account that's closed and with a high interest rate and not ever be able to use it. I watched them tell me my payments were returned while watching my bank account and seeing them never even post while funds were there they would never even showed pending until I paid to make the payment via live payment. It's a scam. Now I am making payments on a closed account that barely ever goes down that's still accrues fees, I still have to PAY to make payments, and the interest prevents it from ever getting to zero.

I just called 3 times to this company to ask about a late fee charged to me. The first representative was unable to tell me where I was supposed to see that I have to submit my payments BEFORE 5 pm on my due date and despite I tried to get that info, he hung up the phone call. The second representative, asked me for my full credit card number, which I have never had to do so and when I requested to talk to a supervisor, he hung up on me too. The same day, two SPANISH representative did that to me. I am Latino too and I have never been treated in that way in this country. That is RUDE and they should not work in that position at all!!! Respect your customers to be treated on the same way.

First call I received an Indian woman with a dog barking in the background. Second call Was an Indian man who wasn’t even listening to what I was saying and kept asking me questions I already answered. Third call I received yet another Indian person who was asking me to verify my name, address, card number, social security number and asked for the pass code on the back of the card and how my name appeared on it. I asked for a supervisor and he stated he needed all these to access the account. But the person I talked to before the supervisor told me he was in my account. All I wanted was a replacement card because mine expired. This is a scam and should be investigated.

Not very happy overall with the card. The fees are really high. The interest rate is not the greatest. There is no leeway on being late on a bill one day to 10 days. It doesn't matter, it's going to cost you about $30. Even if you've made your bill on time every time until then. So one day late for $30. I don't think I care if I pay this credit card anymore.

I was apply a credit card for them last year 2021. I was approve for the credit and never use it. I just notice they keep charge me for with their reason fees. I end up call them to cancel my credit and payment. I still paid last balance of $110.10 and I thought the account is already cancel. I look up on my email today 09/01/2022. Notice they charge me again Of $126.XX with their yearly fees and even told me to paid for the fees of pay of the phone $4.00. I was super upset already for paying this. After all, I told them again to cancel my account again. DO NOT APPLY with them. They will charge you for a annual fees, charge you late fee for not use their credit card. NEVER NEVER RECOMMEND.

I got this credit card, as an attempt to rebuild my credit. First thing was the $35.00 annual fee. Next, I was charged $29.00 late fee, even though it was paid on its due date. All they are is a scam.

This card is good to have if you are trying to build credit. The issues that I have with this card is the poor service on the website. At any given time, a customer will have difficulty in making online payments due to the site being down. When I spoke the representative named Chaquita, I sounded like an angry bill collector and I keep my Credit One account in very good standing. Chaquita also put me on hold when I calmly informed her that I was not aware of Credit One putting a ridiculous amount of .29 cents into my account. The whole purpose of that fiasco is verify my banking account number. I sometimes wonder why they don't use a verification application to verify such information. It was just weird. I use the card if I have to because I use my debit card most of the time. But, Credit One continues to have an inadequate website and poor customer service. I will close the account and take a loss on my credit score.

Credit One Bank is the worst! I repeat... DO NOT DO BUSINESS WITH THESE CROOKS!!! We settled on an amount in April 2020 and we didn't hear anything further. A year later we receive a court order from a collection agency wanting legal fees and the collection amount. We contacted credit one and they told us they don't have any record and they can't help us because they sold it to the collection agency and then hung up on us when we tried talking to them more. We called the collection agency and they told us they couldn't do anything and to call credit one. We told them we did and they transferred us a couple times.

I received a card from Credit One Bank. I charged $350. I turn around and paid it off on the next statement. They took the money out of my account and turned around and said that I needed proof that the account was mine. I sent my bank statement in and a letter from the bank. Long story short, after going back and forth with them for two months. They closed my account. Question, if you thought that the account was in question of fraud, why did you continue to take money out of my account. Worst customer service experience ever.

I made a payment a couple days ago $370. On their app it showed it went through. I even received a notification that payment has processed. So I went to a store I frequent for some groceries and the register was for $80. I was "not authorized" for the purchase. So I ultimately called customer service and the operator indicated that I do not have the appropriate funds available... Needless to say, they have the worst way of doing things and if a payment is processed and it reflects it then there should be no reason for a "decline" at any register when the customer's information shows they have available funds and the amount they were using did not exceed it. This is a complete "Misrepresentation" of what is available and there is no way possible to tell what funds are available on the customer's end. Not to mention a total embarrassment!! That is wrong to do to people.

I have no complaints and thank you credit one bank for giving me a chance when no one else would. Yes the fees are high and interest rates are high, but they’re taking a chance on someone with a low credit score. It was Very easy to apply for online and they also have an app to keep track of your spending and to pay for your card. I applied for a secured credit card with Credit One bank to build my poor credit score after my own bank denied me for a secured credit card. After a couple months of paying the balance off in full each month I was given an automatic credit increase. My credit score skyrocketed!!! A year later I was pre-approved for another account with a massive credit increase. Thanks again Credit One.

Credit One is one of the worst credit cards out there. The customer service is close to non-existent. Do not expect to get respectful customer service or expedient service from Credit One. Everything is done at their pace, and they do everything they can to no satisfy your requests. Another thing, that I did not notice at first are the reviews on their website. They have mostly 5-star one-line reviews that pretty much say the same thing. It appears that they wrote much of their own reviews. Knowing what I know and what I have experienced with Credit One, I, personally, do not see how most of their reviews are 5-star. In my experience, there are better credit card companies out. Considering the annual fee, I'm not sure that it would be beneficial to even keep the card open for credit reporting purposes.

I have contacted Credit One Bank about fraudulent charges on my card and submitted documents to verify my identity along with proof on those purchase over two weeks ago. I was promised it would take 7 days to resolve, now 2 weeks later I have contacted everyone in the company who could help with no avail. I do not recommend.

Horrible company. They messed up my credit score twice! If you ask for a letter for the credit bureaus they won't give it to you. No one is in the US so they don't care about your credit here in the States. It doesn't matter how bad you need a credit card... DO NOT GET ONE HERE!!!! The interest NEVER goes down no matter how much you pay on time.

On May 2022, I submitted an application to obtain a credit card and it was approved. I received the card later and when I tried to activate it didn't work. I tried to contact the bank many times with no response. I tried to purchase by using the card. It did not worked either. Today, I received a notification from my Credit Karma that Credit One reported me as I did not pay a fees. I tried to create a user ID and a password using the info on the card that I have never used, I found out that they charged me $75 as an Annual Fees plus late fees.

As others have mentioned, there is an annual fee and high interest rate, but my biggest issues are the ability to make payments and their customer support. I have never encountered a bank that makes it a challenge to pay them until using Credit One Bank. I have autopay setup and have learned that I cannot make any additional payments during a seven day period leading up to the autopayment. I cannot set up the date I want the autopayment to occur. And I cannot set the autopayment to be the current balance (only the last statement balance). Every question I asked their customer service representatives required being put on hold for them to provide the answer and when trying to rectify any of the above mentioned payment issues, I have been hung up on twice now. Only use this bank if you have no other options at all whatsoever.

Had to use my card to pay for court fees. Was late on paying it back due to court and lawyer fees for my divorce. Paid it off and they closed my account after they got my money. And then even charged me interest on a zero balance.

This bank hits you with high annual fees and lousy rewards. Their website is down 90% of the time. When you call have an hour or two on hand to wait on hold. It is very helpful if you speak Arabic because their English is hard to interpret.

Had got pre-approved through Experian my credit builder and they still denied me and put a hard inquiry on my credit report. Dropped my credit score by 5 points. I’m so upset why pre approve me then deny me. Doesn’t make sense.

This bank are ridiculous. I was perfect on payment. After I switch bank for the payment and paid off the balance. They ask me to verify my bank. I send in all the paperwork they ask for. They cancel my cards resulting significantly drops on my score I work so hard to build.

I have had credit one for some time now. It’s the worst company to work with, they have absolutely no way to speak to a actual representative if you have a issue with something. They have a couple promps on their automated phone line which doesn’t cover any of the reasons I have called. My online portal is locked out, can’t pay online anymore whatsoever. And I need to speak to a representative but have no way of talking to one. I can’t wait to complete close these! Never using these cards again. All of my other cards are so easy to talk to a actual person. This one, forget it. Look elsewhere!

This is by far the worst of the worst when it comes to customer service and everything else!! I have had this stinky card for 15 years, always paid on time, all of a sudden there's a restriction on my card because I made a higher payment than I normally do, that already cleared my account 28 days ago, with proof of payment provided to credit one??? How is restricting my account for my "Security"??? They're crooks, highway robbers, and con artists!!! They take your payment, use it to trade and make more money and refuse you access to your account!!! They're ready for a class action lawsuit! Closing my account and making sure all my friends and family do the same! Enough is enough!!!

So I was aware of the annual 99.00 fee. It was taken out when I first got the card. However, they have been taking 8.25 every MONTH for an annual fee. This was NOT explained nor did I see this in the fine print. Annual means yearly not monthly! So I'm now on hold for over 30 minutes because I'm demanding my yearly fee comes out once a year in which they claim it's not possible, but their website says It Is possible!

Credit One is a total joke. Like many others at one point I had credit issues. Yes, Credit One took a chance on me and, at the time, I appreciated it. Usually I did NOT pay my full balance each month; however, in June of 2022 I did. I paid $800.78 BEFORE the due date. A few days later I noticed that I had a balance on my account. Called Customer Service and I was told that was the interest I "would have paid" if I hadn't paid off the entire balance....WTH??!! I told them absolutely NO!!!! How are you gonna charge me interest AFTER I've paid the entire balance BEFORE THE DUE DATE??!! Yes, they removed the interest, but I can't help wondering how many other people they've done this to because I can't POSSIBLE be the only one??!! Told my boyfriend I'm SERIOUSLY considering a class action lawsuit!! My best advice...do NOT apply for this card IF you don't have to!!

I cannot speak. I am disabled and have been in hospitals and rehabs for a year. With medicals, the card has too many fees and I am unable to cancel by phone with no voice. I attempted in writing three times but that did not work. Trying again today.

I applied for a credit card with this company on July 10th online. Once I completed the online application, I was told that I needed to verify some information regarding the information submitted. I received two phone calls back to back but I couldn't answer because I was working. I called back and was told to call back the next day because they were closed. I called back the next day to be told that my application was denied because the phone number provided was a disconnected number. My phone has been in service for over 15 years with the same company. Don't waste your time or effort calling customer service. Now my credit score is affected for NOTHING. Poor company!

Yes, I understand that you must pay a horrible interest rate, and a ridiculous annual fee with Credit One Bank. They're taking a risk if your credit score is not high. However, you may be one of those that WANTS to build good credit AND pay on time. But their bank seems to do things in a way that seems like they're TRYING to make you fail. Unfortunately for me, I'm one of those people that DEPENDS on getting a statement. Get my statement to me, and I'll pay consistently. They couldn't do it regular mail, so I went paperless. That didn't work either. I just got online to see when my payment is due, and lo and behold... it was due three days ago. And imagine that, I got NOTHING telling my payment was coming up. Guess going paperless means going statement-less too.

I transferred the balance from my Credit One AmEx card to one with zero interest at the beginning of June. The payment posted twice so on June 13th I called Credit One for a refund check; they owed me just over $1100. The service rep assured me the check had been issued and I should expect it in 7-10 business days. Three weeks later on July 6th, I called wanting to know where my refund check was, and all the rep could tell me is that it's in "pending" status and to please wait another 7 business days for it to be shipped!! Ummm.... NO. I was told it was already issued and sent. I was transferred to a "supervisor" and was told he would personally research what is going on with the check and call me back within 24-48 hours. It is now July 12th and I have heard nothing. So now I have to call AGAIN to see where my $1100 is!! If you get this card, DO NOT over pay! You will play hell getting your money back.

I have had a Credit One card for almost two years now, and I just went onto the website and put in my log-in information and tried setting up a “remember device” option, and was sent a code via text message. I typed the exact code that was sent three separate times and was locked out of my account, although I got an email verification saying my device was successfully registered and was sent to a screen saying I needed to call customer services to be able to access my account again. I call and the man says I have to wait 72 hours to access my account again. I’m just irritated by the lack of care I was just given and I usually don’t leave reviews like this but this isn’t the first incident I have had with this company but this was truly a breaking point for me. I just wanted to share this with others because I wish I would’ve done my research before going through this company.

Each month I get charge a fee with a zero balance, I don’t want to close the card because it would negatively Hurt my credit score, but they are making money at my expense, I tried talking to them. They discontinued the fee for about three months after I threatened to close my account? This is the only credit card that has this monthly fee? It need to stop now!

While this company is a decent stepping stone for credit improvement, they take advantage of people who can’t get anything better. Their annual fees are ridiculous and so are their late fees. I keep the balance at zero on purpose, but I found random charges on there two or three times. Every time I called they would apologize and offer an extension on my credit, which I don’t need because I don’t use the thing. But they always removed the charges. My credit was excellent two months ago, but because of some random fee, they reported the payment as delinquent and knocked it down over 50 points. Why would I check the card when I’m never using it? I was furious and shut the thing down. I have none of these issues with Capital One. If you have to use them, cancel the account as soon as you can get something better.

This credit card is terrible. Their service is the worst. I reported a fraudulent charge of $ 152.73 and after a long investifation they decided not to credit the account. My advice is do not apply for this credit card, it is terrible, I wish I could give then a 0 but is not possible thats why I gave them a # 1.

My payment wasn’t even due and on a Sunday called me so early in the morning and when I didn’t answer because I was at church they kept calling me all day. Finally I got a call that I could pick up and it was harassment for no reason when my payment isn’t even due. It was just to stress me out and I don’t appreciate that call. For no reason just to have something to do they want to bother me. No thank you to this company; I’ll pay them off and never go to them again. They bothering my peace on my holy day for no reason just to disturb me.

First off if there was zero mark I would’ve gave them so that one star is not my true feelings. This won’t be short ok. I’m a apologize upfront but it’s all facts. They are quick to add fees just cause you looked at the card (the card is phony anyways). I had it for 3 months with a pitiful $300 limit (I’m starting over don’t judge me) and I used it 3x total. First monthly payment my bank account couldn’t link with them which isn’t my fault, as they state “We will send micro deposits to verify your account”. How convenient. These ** would get the .10 an .03 to me the day my bill is due. So I’m late. Next month I noticed my $300 limit is saying $370 (not limit) so I calls them and tell them exactly what happened and honestly I couldn’t tell you what they said cause you can’t understand them. I mean they’re most likely in a tent in Bangladesh.

I called and made a claim about a fraudulent charge that was done by someone else and somehow got a hold of my card. And yet this stupid bank is saying that they took the merchant's favor. As if I would lie about 21.99.

This is the worst company with the severely terrible customer service! I wish I never applied for this card. Customer run not walk away from applying to this company's credit card. There are hidden fees. They will freeze your account without notification when you have made many payments and you have to provide written proof of your account. Even though, they take your payment. When you provide the proof no one ever tells you that the account is activate again. If I had to do it over again, I would have never applied for this card with this company.

I bought this card to build credit some years back. I terminated my account a few months ago after paying the balance off (A card company usually doesn't even let you close until your balance is settled). Since Closure, my card was still building fees and charges - I called and they said a late charge went through afterwards. Since my account was closed - I never got notifications nor could I log into my account and I was buried with a ton of charges and fees. Nightmare support and support. Borderline fraudulent.

I've had this card for a little over a year. When I initially signed up, I was charged a $75 fee plus a $99 fee ALL AT ONCE. This is crazy being, the limit was only $500. Never even used the card at the time by the way. As soon as I activated it, I downloaded the app and there were the fees. Didn't really have a lot of money but I paid it piece by piece. Worst mistake. The fees on this card is astronomical!! I kept getting hit with $30 fees every time I logged in because of interest. If you don't pay the statement balance in full, you have will come to regret it. Also, I recently noticed a charge on my account that I didn't authorize. I don't even use this card anymore and don't know where it is so where did this charge come from? They also charge a monthly maintenance fee of $8 on top of the other fees.

Credit One repeatedly placed fraudulent balances on my account despite my account being paid in Full and not being used at all. Anytime I questioned the fraudulent charges, the charges would be drastically increased within 2 days time from $12 to nearly $100 or more. Credit One would then report the new 2 day old fraudulent charges in their notes and to the credit agency as months late. When I attempted call to find out why I was being charged ridiculous amounts, despite having NO balance and NOT utilizing my card? Or attempt to pay online(to avoid additional charges). The Credit One agent would get upset and locked my account, report false late payments statements to my credit and suspend my account.

Talking with Credit One Bank they want to take your whole bank card and SSI number for verification. SSI says no and if someone has your bank card number they can use it. Tell them to stop this nonsense and provide better security than this. Your credit is on the line. A lot of employees are working from home and jotting down numbers.

I had this credit card for about a year and a half. I was in good standing and never missed a payment. I just checked my credit report and it said the account has been closed. I checked my account info and everything looked fine. No notifications that it was closed. Nothing on my overview showed the account was closed. I tried using the chat bot. But the chat bot didn't do anything. It was frozen and just said "Credit One is typing..." forever. So I called the customer service and got someone in India. She said my account was closed because a payment I made didn't go through. I was never contacted in any way.

I highly recommend that you DO NOT start an account with this service. Make a hard pass. For 8 months I've tried to contact them online to set up online access. I set up this account to rebuild my credit. They are difficult to reach for anything other than to make a payment. Calls are "transferred" then dropped after a long wait. I have NEVER been able to access the account online. I called their customer service, there is always a language barrier that requires multiple repeats, and calls are inevitably dropped. I decided to pay it in full and never use it.

I applied for a Credit One Bank card, not knowing it was a secured card and a deposit was needed. Credit One Bank deducted $300 from my bank account. When I notice this transaction, I immediately called Credit One Bank and cancelled the card. I did not receive the credit card and I don't want it. I have called several times, each time speaking with a different person. The first person I spoke with said that I would receive my refund of $300 in 3 weeks. I said this was unacceptable and I requested to speak with a manager. The manager informed me that the information given was not correct and that I should receive my refund in seven business days. When I call back again a few days later. I was told that I would not receive my refund for 30 to 60 days.

I called the first time to dispute an item that was supposed to be canceled. I was told they didn't see the item on charge even though I looked at it on my transaction list and still not reversed. The rep said "I don't see anything, so have a nice day...goodbye" and hung up on me. Decided to write a letter to dispute afterward. Nearly three weeks later they sent me a letter requesting more information. Which I promptly sent back. After more weeks of waiting, I decided to call them and after getting disconnected several times I was greeted by women that put me through the same routine all over again.

I have had my card for 7 months. All of my payments have been on time and I have a zero balance. You promised me on paper and this is the only reason I applied for your card that you would double the credit limit in 7 months with on-time payments. Well I have done my part and now you have denied and not doing your part. You are basically lying. Your company is a lie. I will not use your credit card. I have a zero balance but I will not use your credit card until you raise my credit limit like you promised. Call me anytime. You got my number.

We pay this card each month and there's available credit on it. They take it and use it for something they say you owe. But what took the cake is when I started to pay my payment on the 6th of June. It was after 5pm. They had charged me a late fee. When I called them they told me I didn't pay before 5. What the hell. This company is a rip off. Please don't hesitate to pass this card up. It's no good. Too many fees that you don't know about.

Do not get this credit card!! They have hidden credit protection fees that they add that you never signed up for. They will not give you proof you did. It is a terrible card. All customer service are from India and they do not give a damn about you.

I got this card thinking is gonna be a good idea but NOPE IT WAS THE WORST I EVER MADE! Customer service is a joke when you try calling they laugh and they tell you you are wrong! Don’t waste your time.

I would give this company a ZERO but that's not an option!! Credit One Bank is fraudulent. I have been trying to receive a reversal for a transaction that happened in February. I sent in paperwork and a police report in (although I felt like it was discriminated against). I'm now being told that I need to send in a letter with the police report after calling 50 times for an update. Credit One customer service reps give you the run around time after time. I didn't think I would have to review this company before applying for a credit card. This is a lesson learned. ** is a great site. They also have lawyers that fight companies such as this fraudulent company. We need to get together for a class action lawsuit. I looked at their reviews and they have one star. They have been around since 1984 which says a lot.

First off I want to state I always make my payments on time. I lost my bank card and the auto pay did not go through, I did not realize I was 5 days late on a $30 payment. The company called me from a local area code 5 to 7 times a day, every day. You cannot imagine the amount stress I and confusion I had about this $30 late payment. When I called to speak to a supervisor about the payment and the harassing calls the representative put me on hold and after seven minutes before I was disconnected.

I had two credit cards from this roguish company, a Visa and Master Card. At first everything was normal for about two years but as the balances climbed up things began to go wrong. The Master Card had over $700+ charged on it while the Visa had over $1,800.00 on it. I started noticing that my balance wasn't going down on the Visa but instead going up even though I paid more than the minimum and a head of the due date. The Master Card had an earlier due date each month than the Visa Card had, so I started sending both payments at the same time in their own envelopes. Still the Visa would show a late payment charge to it.

I usually make my payment online. I know my security questions. I wrote them on an index card so wouldn't forget them. My User and Password I never changed, but for some reason I'm locked out of my account and I called customer service to reset from my Iphone so that whenever I get access to my computer I would make my payment.

I had 1 secured card and 1 unsecured card from this bank. Customer Services is the worst... Let me say that first. I swear every rep sounds the same and the paper they read off is infuriating. I have tried to request a refund on my secured card deposit which it has been months now and I still am fighting them. Every time I call, I am told to give them 7-10 business days... You mean 7-10 business months?! I have had issues contacting them and obtaining updated statements and it seems like all they know how to do is put someone on hold and come back with the same information they already provided you. If you are desperate, sure, go with them. But please look around first because this company is garbage. How do you earns points on a credit card but can't even use them?? This company is a joke!!