Credit One Bank Reviews

Using a credit card is both a responsibility and a discipline. Long ago, the death of a spouse plummeted me into poor credit rating, so the climb out began. Beware of this resource. Owning this card is a mine field. First of all, this is a obviously a credit-building credit card; it targets the "low-end" customer and the vendor truly takes aim at that customer and fires hard. Though they have a fairly impressive user infrastructure online (hence, the star) surcharges for "express pay" and "custom card designs" are just a few things designed to bilk the unsuspecting.

I have had this card for a year. I have had to make late payments on a few occasions because the website is almost always down. I do not like giving my information over the phone. Then their website wouldn't allow me to log in saying my password was incorrect. Even after several resets, it would say the temporary password was incorrect as well. They told me I had to download the app. I downloaded it and when I tried to put in my banking information the routing number was off one digit.

I wish I could give this crap of a company ZERO stars. Please stay away. Best not to have a credit card than be associated with this company. I honestly don't know how they are in business and you can never talk to someone in the States. The workers are literally clueless and you'll never get any help from them. I had fraud on my account in April of 2018, still haven't received my refund even though I received a new card and a letter stating they did investigation and that it wasn't my charges and I will be receiving a refund. I call every week since but they keep giving run around. Basically the head doesn't know what the arm is doing. The minute I get my refund I'm closing this account. I have better cards with way higher limits and NO annual fees or monthly BS fees. Don't need them. Can't wait to close my account!

This company sucks. Fees are ridiculous, if you are late on 1 payment, they will call you 30 times a day from different numbers. The numbers are somehow always local to your current location and I have location turned off in the app on my phone. If you make your payments on time, it's hard to get a credit line increase. Plus they do not have an auto pay option like my other credit card companies have. Never missed a payment with Capital One doing auto pay. But don't get me started on their fees and lack of customer service either. Pay off your cards with this company and shred them. Garbage.

I would not refer this company to anyone. Someone had fraud on my Credit Card and I called it in before it actually went through and this company told me it would take 3 months to get my money recovered. WHAT credit card company makes you wait 3 months (during Christmas season) to reimburse you funds or make them available. So basically my money was stolen, and now this company is penalizing me for them letting a security breach through their own system. I wouldn't stay away from them if I were you. I personally can't now because they are holding my money hostage.

I received pre-qualified offer, figured okay I can use my main card less and use this card for random small purchases. Card arrives - I call to activate then I go online to activate online access and the nightmare begins. 5 calls in fifteen minutes I had to make as I kept getting error messages saying everything from ID and password not accepted or don’t match, computers down, one customer rep told me to answer security questions. Only thing is as I am not able to register I HAVE NO security questions set up, then they told me last four digits of social were out of sequence YET the four previous customer service reps had no issue as they too confirmed my social when I called.

This is one of the most horrible credit card approval I have ever experienced. Trying to build my credit score has CA it set me a decrease in my score. Approved for $300 and leaving me the availability to spend $150. On top of that a $75 annual fee was taken as soon as I received the card. A recent incident occurred 11/4/2018 via communication received the breach the customer's accounts and there was nothing to worry about. I tried paying my bill online and discovered my bank account information was gone and a debit card information that I pay my bill from is gone.

I have paid this credit card off and I noticed they were charging monthly fees between $8.25-$8.66 every month. I couldn't figure out why. When I called, they did inform me that, "Yes, it is monthly fees". They connect me to Account Specialist and they acted like they were going to do me a favor by taking the monthly fee away until JULY 2019. I have excellent credit and I've had this credit card since 2002 (16 years). I do not remember having to pay a monthly fee like this. Also, they sent out mass texts on "Your payment is overdue". I freaked out! I have a $0 balance. Credit One says it was a system error. You would think with all the money they are ripping people off with the monthly charges, they would be able to keep their system running smoothly.

Online application leads you to believe there is $0 annual fee. They do not send you any email regarding your application and then once you finally manage to log onto their website, you'll be surprised to find a $75 annual fee that you agreed to somewhere in their tiny fine print... UNETHICAL.

I am going to blog about this card company that needs to be put out of business. I receive an offer via mail. Accepted the offer without researching the history and customer reviews. That's my fault. I have only been able to use my card once. Each and every other transaction has been declined due to let them tell it to protect your card from fraudulent charges. I will call. Confirm it was me. I'm then told I have to wait 30 min then I can try again. However if it does not work use another card or wait 24 hrs. Are you serious? Once I verify I have to go thru all of this.

I received a text last night saying my payment was overdue. Funny thing I paid it off a week ago and knew I had a zero balance. I tried calling, getting on their website and could not. I worried all night. The acct got hacked with a link to my payments going to my checking acct. Called and canceled my card today and they tried very hard to talk me out of it. I told them I cut the card and to cancel. I received a confirmation number, but I still do not trust they did what I said. Will check back in a few days. They do not have an explanation as to what happened last night. Goodbye Credit One.

This credit card company is by far the worst I have ever dealt with! I got a card with a 300$ credit limit in February of 2016. I have paid three times the amount I have borrowed and still have a 650$ bill! When I try to pay my bill online they let me go log in and approve a payment then at the end they display a barely visible message saying I’m locked out of my account and in order to make a payment I have to call. Then when I call they usually charge a fee for paying it over the phone. The first few times a didn’t see the tiny error message and then was charge an outrageous late fee. They also charge a MONTHLY membership fee of about 12-13$! The interest rates are also thru the roof! This company screws you over. DO NOT GET!

Just received card on Nov 28, 2018, can't get a hold a customer service rep. Due date is not until Dec 21, 2018. Received message stating past due, then ask for Social by automation. Holding for 30 min and phone shuts off. I continue to call and nothing. Website is down. I will call Better Business Bureau and Credit Bureau tomorrow. This is sad. It's so difficult to keep building and maintaining and now this scam. I'm very upset. Now this...

I paid both credit cards off and canceled with this company in 03/18 and I just got a text from them with the last four numbers of the card I canceled saying my monthly payment is past due. 10 months later they're trying to bill me for something I have no idea what and I tried calling both numbers and they hang up after so many rings. I've tried going online and their site won't even open. It says they're available 24 hours a day and can't get a hold of anybody online or by phone. They're scammers trying to get away with something. I'm filing a Report with Consumers Financial Protection Bureau, www.consumerfinance.gov/Complaint, today 12/6/18. Hopefully they can get some answers!!!

This bank will end up in a class action suit in the near future because I intend to start one. I called about the annual fee and they agreed to waive it if I stayed... So I did. 2 months later they began billing me again for this annual fee. I tried calling again to cancel the card... Impossible. Today I just paid my balance in full and got a text message and hour later that I was past due when my billing due date is somewhere at the end of the month. I can't call to talk to a human because their phones aren't working and I can't log into my account online because their website isn't working either. Criminals...that is all I have to say!!!

Last year at this time I received my Christmas bonus and paid off all my credit cards. Credit One though ran the cell through twice on my checking account which then in turn put my account negative. Other checks were out still coming in running my account further and further and further in the hole 2 weeks before Christmas. I have children. I have a wife. I have grandkids. I called to resolve the issue and they refused to cut me a check and mail it back or just flat-out deposit it right back into my account which we all know is possible.

Closed accounts several months ago. Making payments on time! Harassing me with text messages that payments are late. Unable to reach them by phone. Their site isn’t working! Never happened until I closed my accounts. So sorry I ever opened accounts with them!!! They are not available. I’m afraid they will ruin my credit! This company is a fraud! So many are complaining about the same issues. They need to be reported. Make a payment, decide to close accounts and the harassment begins!!!!

I wouldn’t advise anyone to ever get a card from them... I got the card to rebuild credit...I went to pay them on the due date which had to be paid by 5:30 Pacific Standard Time. I paid by 4:30. I called to be sure I was on time. The rep said I was. They still charged me a late fee reported it on my credit... They show you your credit score. It’s not accurate. Been with them over 8 months no credit increase. And today I got a text saying my payment was past due and it’s not due for another week... Once I get them paid off I am closing the account. I don’t care if my credit score does drop.

I've had a card from Credit One for roughly 4 months. In my second month, I was unable to reach their website from home or work trying to make a payment the day before my due date. The site was not working. I called them and they refused to acknowledge that the site was down, and told me I had to pay a fee to make a payment over the phone. I was not happy. 2 months later, I get a text from them that my payment is late. How can that be? I check my Outlook calendar, where I keep all my monthly payments as recurring appointments, and there is Credit One on the 16th each month. Today is only the 6th. I checked my last payment made to them, it was on the 14th of November. How can I possibly be late?? I try to log in, site won't respond. I VPN into work from my computer (home internet is Comcast, work is FIOS), thinking maybe it's a Comcast thing. Nope. Can't reach their site from my work PC either.

I received a text this evening stating that my card payment is past due. I find this interesting because I just paid them on December 4th 2018, which was 2 days ago. I attempted to login to their website numerous times on my computer using both Internet explorer and Chrome. Nothing worked on that site, browsers just keep spinning. I even cleared the cookies and cache. I next attempted calling their phone number listed on the back of the cards, just rings a couple times and goes busy. I also tried calling their technical support number and it just keeps ringing, no answer. What the heck is going on?

I have tried to make a payment to this bank for a credit card I have with this junk bank and I can not get on website or get through on the phone but did receive a text from the bank saying my account is past due and have been charged a late fee even though I have been trying to log onto their website and called their number 877-825-3542 and had no luck contacting a human or computer. Why is this legal? Why can this bank get away with doing this to people who have never missed a payment or have never been late? They must really be needing money...it should not be legal!! They do not deserve the star that I was forced to rate them with.

I am trying to cancel my card, or even get into touch with this business at all. I've called their customer service line (the only phone number available connected to this company at all) and tried to visit their email (which hangs, and somehow even managed to crash my browser). This is absurd. This is clearly a fraudulent company and should be shut down by the government. In the meantime I'm reaching out to everyone who says they work here on LinkedIn to find out if they are real or not, and to urge them to make better life decisions.

I just paid off the card. Today I received a notification that I was past due. My due date was the 28th. I made a payment on the 26th and the 30th. They increased my limit and stated I have amount of $75.00 due?! I cant even access my account online, my phone is blocked when I call customer care. I finally call through my daughter's phone and hear my balance. I am done with this card. It has only been a month!... DON'T DO IT.

Latest episode - I just received a text message saying the account I closed nearly A YEAR AGO, is past due! I called for the 5th time (yes, I'm keeping track) to find out why I received this annoying text. After twenty minutes on hold, a rep comes on the line and says they are having "systems issues" and asked me to call back in one or two hours and said, "Thank you for calling" and hung up on me without my being able to utter a single word. I called back again and after waiting 30 minutes this time, I interrupted the rep trying to say the same thing again and asked why I received a text saying my year-long closed account had an overdue balance and I was told that their "system error" was sending out text messages telling their customers they had overdue balances. The rep couldn't check to tell me anything about my supposedly closed account either.

Like so many other reviews before mine, I totally agree that this is a real bad credit card that you can get. I have been with them for 3 yrs and my account was in good standing, never late & using it often. But they closed my account just last week after my current card expired for no good reason!!! My credit score had gone up since I first opened the account. They can't give me any legit reasons for not renewing my card. Stay away from this card unless you want headaches & frustrations!!!

This company repeatedly shut off access to my account, blocked my account, suspended my account online, refused to take early payments for my balance, made it difficult to make payments. You cannot understand anyone who speaks to you on the phone. The department that I needed to speak to so I could pay off and CLOSE this account was conveniently closed every time I called there so I couldn't even close this account. I missed ONE payment by two days due to some issues with my computer dying and having to buy a new one. They suspended my account and it took me THREE WEEKS of calling there and getting the runaround to finally speak to someone.

I paid my balance off in full. Went to use it and it was blocked because I paid my balance off. Was told I needed to send a bank verification letter. So my bank send in a bank verification letter and spoke to rep to confirm I was the owner of the checking account the payment was coming from. Removed the block. Then I went to use two days later to purchase a Christmas gift and was blocked for suspicious activity. Called, confirmed activity via text and still blocked so I called in. Confirmed yet again via automated system and went to use and still blocked! So I called in to customer service and was told I needed to fax a valid ID and utility's bill before my card could get unblocked! Worst bank ever. I never had such hard time using a credit card. Don’t apply for this card. You will be sending your personal information each time.

I was notified of a possible fraud charge on my account and it was locked. I also use paperless statements and get them through e-mail. Called to resolve it and I need the monthly due date and the account number. I do not know the monthly due date because I pay everything on the first of every month regardless of when it's actually due. I have to log on to the site in order to get the information that they need and I cannot do that because they locked the account but the fees and interest charges are still adding daily.

Do not take one of these cards from this company...even if they send you a card in the mail without even applying which is how I think I got this card. Used this card while traveling on vacation for a few hotels. Not a large balance. Have always received my statements in my mailbox NOT my email. Your email is a bad place. Just one more room for error and forget to pay is what I say so I never do it.

My monthly payments are $35.00 a month, I pay $75.00 a month. I locked the card away over a year ago and haven't touched it yet. After a year of payments my available credit is $52.00 of a $700.00 limit. Last year before I locked up the card I paid $700.00 to pay off the card so I could use it in Vegas, by the time I got to LV my card was locked and I could not use it and my balance was $735.00. I called to see what was going on with my card this morning and was given the runaround and told there was an $8.00 a month annual fee and a $6.00 insurance fee. They said there were no other fees. I wanted to close the account but was told that I would continue to be charged these fee even though I no longer had an account with this bank. Plus they keep pushing a $150.oo credit increase for a $25.00 one time fee. Something is rotten at Credit One Bank.

My complaint is regarding deceptive behavior and financial fraud that is the standard of business at Credit One Bank. I opened a card with Credit One in September 2018 to help build and establish my credit. I had received a mailer from them saying I was pre-approved for an account. Nowhere in the paperwork does it tell you that they charge you a $50 fee every month to use the card. It is a hidden fee. And even when you call them and ask they dance around the topic.

They lock my card up after 6 months... I asked them for a reason. They gave me a few excuses. The first was because of the merchant...really Walmart. The second was suspicious activities. I used the card about twice that week. One was Wawa. The other was Walmart. Then they told me they cannot unlock my card until I provide a copy of my license and residence by mail and when they receive, it would take 7 to 10 business days to unlock. If you feel like being embarrassed by a card this is a good choice.

Like everyone else I wanted a company to help me with my credit. I thought I was applying at Capital One. To my dismay it was Credit One. They have the same logo as Capital One. When I called him out on it they beg me to stay with them and they will waive a part of my annual fee. I did. I decided to give them a try. Was the worst thing I ever did. I'm surprised the Attorney General haven't investigated this company. They charge me a $25 late fee when they receive my payment. It takes them 5 days to get the payment from your bank or payment center. And I think they do that intentionally so they could charge you the $25 late fee. Which basically give you a low credit score so it defeats the purpose. They are based overseas. They need to be investigated by the banking industry. Stay away from them.

I was desperate a few years ago, that's my excuse. Be aware they charge interest daily... so even if you pay off the card every month, you still pay interest. Customer service is horrible. Fees Fees Fees. They put a $45 fee on my card year 2 with no notification. If you want your payment to post right away, that costs $9.95. Only reason I'm keeping the card is if I cancel, I'll take a hit on my credit score. I will never charge anything on this card again.

I just called customer service after discovering I got charged interest even though I paid the previous statement balance in full. She explained to me there is no way to avoid paying interest charges each month even if I pay my balance off in full each month. This is the first card I've ever had that rips you off like that. I told her I'm paying off the balance and closing the card. Ridiculous!!!

OMG... the worst customer service EVER!! I still cannot use my credit card because it's locked. Here's my story and how it all began - I have a large limit, and paid my balance just over 1/2 of what was owed. Payment cleared my bank, then an unexpected emergency came up with a family member and I needed to purchase them some personal items, well while at Walmart I decided to shop for Thanksgiving dinner. Went to check out and use my card for a $397 purchase and it was declined! I was embarrassed beyond embarrassed because I didn't have another form of payment with me as I use (Walmart Pay) and only had this credit card loaded.

Tried to log in the morning of 19 November 2018 and found that I was unable. Login attempts would just sit there with swirling arrows in the login button. Against my better judgment, I called in to speak with a rep. After pounding random keys for 5 minutes, I was finally able to reach an "Ivan" who I'm not sure is really named Ivan given the Indian like accent. Tried to explain that the logins weren't happening... no errors or anything. The guy was absolutely clueless, it was like talking to a robot. Kept saying he apologized for whatever inconvenience over a dozen times during the call to which I told him no more apologizing.

Today I checked the balances on all of my credit cards today and when I got to this one, the balance was twice as much as I remember using. So I go on my online account which was like pulling teeth to get into and I see late fee, late fee, late fee, annual fee. I got 3 late fees totaling $95.00. I THOUGHT I had auto-pay set up. Funny last year I did and when the balance was paid off, they were still taking out $50.00 a month. I made a $100.00 payment today and as soon as this gets paid off, I'm done!! Mind you I have many other cards and this is the ONLY one I've had late fees and a problem with. SCREW THIS COMPANY!!

I have 2 credit cards with this company which I am so done with them. I always get sent to another country and this evening I had to make 3 calls to them because I was left on hold for over 10 minutes each time. Finally the last call the gentleman would NOT answer my question and I said, "Well I will have to call corporate to find out what these charges are. Well (Stephen customer service rep) threatened me and said, "If you are going to call corporate we are going to have to end this call. I lost my ** and went off on him. I have never been treated so poorly by a credit card company in my life. A month ago I went through the same process on trying to change my name and India wanted me to send my SS, Driver's License and Marriage certificate to them.

I mailed in a check for payment to my credit card account. My statement was in the envelope and my account number was written on the check. I waited almost 2 weeks and my payment was still not posted. My husband also has a Visa with them so I checked his account. He already had a zero balance on his account but they posted my check with my account number to his account giving him a credit of $1500. While my account still had a $1500 balance.

I thought the credit card was good. My pre-approval letter said no interest for the first year no annual fee but once I checked my statements (15 months later) I see I have been charged an annual fee AND interest the entire time since the day I used the card. I'm not a happy camper and I will be cancelling my card as soon as it's paid off.

I thought my card payments were going through until my card was being declined. When I called to ask about it they said they needed an official letter from my bank, Wells Fargo, to let the payments go through... I've never had to do this anywhere before, I don't have time for this so I closed the account but I was able to make a final payment through my WF card so it doesn't make sense. Anyway, too much trouble and not getting informed about returned payments for over a month was probably bad for my credit. Stay away.

Twice someone has called Credit One Bank and pretended to be me. They say I have moved and have a new credit card, new number too, sent to that address with my name. This happened at the end of July 2018 and the beginning of November 2018. Each time a different address and number. The first thing they did was pay off the account. In July I caught it before they made any charges. in November they paid off my card then made charges. I think these were valid payments and I wonder who the payment amount was sent back too. Credit One Bank, the fraudulent person?

Total scam!!! I scheduled a payment as I have before through their app - payment to be made early through my bank account. Day after it was due I get an email and notification in the app that my payment was OVERDUE! They tacked on a late fee of $35. I called customer service - they said "we were unable to locate your account" - WTH does that mean? We verified the routing and account numbers exactly as they had been before. The only explanation I could get was, "maybe something has changed with your bank or you had one number wrong" - We JUST VERIFIED THE NUMBERS!!! I wanted them to take the payment over the phone and got them to waive the late fee, but they would not take the payment from the account - they wanted a debit card.

Stay far far far away from this company. The customer service is awful. I don't mind speaking with reps from other countries but I generally can't understand their reps. If they are going to outsource, they should at least make an attempt to assure the people they are hiring are proficient in English and not beginners. Also, I forgot my password which made it so I could not login into their website and make payments. So I called customer service. I explained to them that I forgot my password and when I requested an email w/ temporary pw, it never came.

Be very aware that this company is full of scams. When trying to close my account. I was told my renewal date was months away and I should wait to cancel then and for staying until then, I would credited $39 in my account (which never happened). Now still 2 months before I was told renewal date was, I have already seen my annual fee being charged to my account. Of course now I have to pay it to keep account in good standing. They use pressure tactics to keep you from closing account. DO NOT FALL FOR THEM. I agree with others, stay as far away from this company as possible.

Credit One bank charges you for every breath you take. They charged me annual fee right away from my balance when I started, they refused to send me a replacement card for free and wants to charge me $25. They charge monthly so many fees including maintenance fee annual fee plus interest. Now I need to make payment but I couldn’t because in order to reset your password you have to type in your credit card number but I don’t have it. In addition, they wants to charge me $9.95 to take the payment by phone. I don’t recommend it. They are aggressive fee charger.

My checking account was debited twice for a single payment I made, well ahead of the due date. When my Credit Union charged back the nonauthorized payment, Credit One suspended my account. Credit One wanted a validation letter from my bank, which was sent to them. The issue has not been resolved. I will probably close the account.

This company is a scam, calling me asking me for my bank account information to deduct money from my account - they offer programs BUT never are allowed to send anything in writing to confirm. They do nothing to help the consumer. My experience was horrible. They are a low life company, stay away at all costs.

I wish I could give this company zero stars. Their system deducted two payments from my checking account, at the same time, and they refuse to reverse one of the payments. The customer service supervisor told me that they can't do anything and sometimes their computer system incorrectly reads payments. The company is a total scam.

Rip off, never getting this card again, company doesn’t follow through on their offers to customers and only allows you to make 3 payments in a month to your card and that's **. Horrible experiences all the way around and c/s and management! They overcharge and are considered a bully in the credit industry especially for those of you trying to repair or rebuild your credit. They don't care about their users.

Credit One charges $8.25 every month EVEN IF you cancel your credit card BEFORE your one-year anniversary. As long as you have a balance on your account, they charge their customers a monthly fee. This fee applies EVEN IF you DO NOT receive paper billing statements and EVEN IF all your payments are electronic. The $8.25 monthly fee in ADDITION to monthly APR charges. This company should be avoided by ALL potential customers. They are very dishonest.

The absolute worst credit card company I've ever dealt with. They will set you up so you can't pay them before you get paid. They won't change the payment date. They charge you 9 dollars to make a payment. You can't get out from under it because after they close the card you get a charge for 9 dollars... Reopens the card, then they charge one hundred fifty a year so you are just handing over your money and not really getting any credit. They are horrible and predatory...good luck. I'm not paying mine off ever because I already did. This company needs to be banned from doing business in the U.S.

I haven’t had the card for twenty four hours yet. They somehow blocked my card from transactions. Each time I went to use card it was declined. Never been so embarrassed in my life. I called and the customer service person told me to wait twenty minutes and it would be fixed. I tried in thirty minutes - it wasn’t fixed. Called back and kept getting a recording they were closed. Yet, they're supposed to be open twenty four hours. Praying I can cancel this card and it doesn’t mess up my credit.

Everyone has pretty much covered my list of complaints! Just a horrible credit card company all the way around, period! They are the ones who messed up my auto pay. They are the ones who tacked on fees for their screw up. They won't even acknowledge my email sent to them trying to fix their mess. They are not responsive.

I've paid my bill twice with my bank card, now they're saying I have to use another account. This has been nothing but a headache. Trying to get a hold of the Better Business Bureau ASAP. They want you to have bad credit it seems.

While traveling we had to keep calling the Credit One customer service, they would lock our card after each transaction. We told them we were traveling and they said they put it in the system yet after each use we had to call to unlock the card! When we get back home we are canceling all our cards with them. Not cool when you need to check into your hotel at midnight and can’t because your card is locked.

Predatory and unscrupulous lending institution tries to charge $104 in fees and interest on a $300 credit card limit in 30 days. I immediately cut the card and returned it, and when I called them, a woman said if I didn't pay it, they would report me to the three major credit reporting bureaus. I reported them to the three major credit reporting bureaus. They sent me a notice that "It is not too late to protect your credit rating!" This bank preys on customers who can be bullied and threatened into paying exorbitant and excessive fees. Credit One needs to be exposed.

If you want to feel for paying 39 dollar membership fee don't get this creditor. If you want to be embarrassed spend hours on the phone speaking with customer service for every single transaction then do PLEASE APPLY FOR CREDIT ONE. EVERY TIME I MAKE A TRANSACTION I CAN'T BUY WHAT I NEED. Credit One states that the store in which I'm using my card is high-risk retailer at stores and restaurants like Taco Bell Walmart adds discount after spending an hour taking my time to find bargains and more discount to me meet my budget. Card declined sweating chest racing embarrassed about it. ** Josh account supervisor still can't help me. I requested new card perhaps and I have to pay 25 dollar fee. Crazy. Never will I.

This credit card company has been the absolute worst experience for online payment processes. They continually request that I verify small deposits/withdrawals to & from my connected bank account. These can take weeks to happen and online payment access is not allowed until this is done. So, deadlines can come and go unless you make mail payments instead (very inconvenient)!

On 10-12- on hold for almost half an hour waiting to speak to someone about interest calculations. The first customer service person had no idea about how to calculate interest or able to answer any intelligent questions. I don't see any need to elaborate any further- they have the worst customer service of any credit card company I have dealt with before regarding long holds.

Genuinely disgusted with this company. I was mailed a new card back in July... Never received it. I noticed purchases had been made to the card via the app. Immediately called and reported the card lost/stolen. I was told all would be handled. NOT ONLY did they report the account with fraudulent activity to the credit bureaus which caused my credit score that I have worked my butt off for to go down 112 points overnight, but they then send me a letter informing me that I was responsible for the charges based on the card supposedly being sent to my address and activated from my phone number. I immediately pulled my phone records and have proof which has been faxed to them TWICE now proving that I did not call and activate the card.

I sent a check to them by mistake. My check was address to Salem Bible Church, not Credit One. No date on check, no signature also. The Bank submit the check and it clear my bank. I call Credit One and ask how did they do that. I also paid the monthly premium. I call my bank and ask how did this check #** clear and it was not address to Credit One Bank. Receive a letter a couple days later from Credit One Bank saying because of that check, my account was close and sold to someone else to collect the balance that was due AND would be sent to credit bureau as a charge off.

As like most people I got this card to better my credit. It has done the exact opposite. You start off already owing them $95 for an annual fee. That there should be a statement. I had a $300 credit line to start off with. I then lost my job and feel behind on a few payments. I now owe $916.05!!! I've called and tried to work something out so I can avoid these late fees but they want $300 every month and I can't afford that. You're better off getting a secured credit card and using that responsibly. This company needs legal action taken against them.

I paid my Credit One bill on time every month using their online payment system. One time, the payment was apparently rejected because the bank information was incorrect (it was the same banking info I had used for EVERY payment). They abruptly closed my account preventing any further online access. I had no knowledge of this until I got a letter in the regular mail. I called them and they told me that the banking info was incorrect. I gave them the banking information over the phone (the same info that should have been in their system) and paid my monthly payment. THEY NEVER REINSTATED THE ACCOUNT and on top of that DINGED MY CREDIT FOR A LATE PAYMENT! I am now trying to sort this out and have paid my account in full and closed the account. CREDIT ONE BANK are a terrible company. Do not do business with them.

My husband started out with Credit One to up his Credit Score. I (his wife) pay the bills. I have had nothing but problems with this company and all I do is pay the bill. For 5 years been with this stupid company. Finally thought it was straightened out for me to pay, my husband had them send me a card and I still can’t pay without being bumped out of website. I have no problems with our other credit card companies. This company is the worst credit card I have ever experienced! I cannot believe after reading all of these complaints that they are still in business! What a Scam!!!

This has been the absolute worst experience. Each month they strategically changes things/policies causing it increasingly difficult to make payments. They won't allow you to set up automatic payments, nor will they allow you to call to make a payment. They charge ridiculous fees, and try to make new obstacles for you to face when trying to pay your monthly bills (I'm assuming they do this in hopes you'll miss the payment, therefore having to pay them more money). I honestly can go on, but the whole point is just do not even consider. These people will hurt you more than help you. I never write a review or make a complaint, but I did this solely to help someone, or anyone else keep from making a regrettable mistake. Credit is very Important here in the U.S, these people will for sure find a way to mess it up for you, unless you just have endless funds to pay ridiculous amounts. Just be warned.

I have had my Credit One Bank Visa for just over a year. I also had a card with them back in 2010 to help establish credit. This card is targeted at those with poor/rebuilding credit, not at those who are totally new to credit. That being said, this card arrives to you already owing them $75 for the first annual fee. After one year, you are charged a hefty monthly fee of $8.25, labeled as the “annual fee.” The interest rate is high, but not as bad as First Premier Bank. Payments take 5 business days become available, and even paying the express payment fee of $9.95 will only allow $100 to be available the following day and the rest in 5 days.

I wanted to build up my credit so I got a Credit One card. The first couple of years were just fine. No problems paying online, didn't do express pay as I never needed to use the card asap with a low balance. Things were wonderful. I have trouble remembering what is due when so the email reminders were important to me. They were sent and received like clockwork. Then I got a call from them and was told I had missed a couple of payments. I was shocked as I had never missed a payment. I thought that maybe my Gmail started putting the messages into spam folder for some reason but when I did a search for the emails I found nothing. I found the last reminder I got but then nothing. Looked at the spam folder itself in case it was automatically deleted at some point, but there was still emails in there from before I got the last one from Credit One.

I had this card made payments at one time. I had just made a payment in the amount of 400. Then I notice I had a balance of 6.46 I set up a payment. I realized I didn't have money in my bank account to cover the charge so I went to cancel the payment. With this company you can't cancel payments. So I guess the payment got returned the company closed my account of 6.46 then said I had an outstanding balance. This is crazy. I called the company. They stated that the account was closed and could not be reopened. Over 6.46.

I am a victim of credit card fraud with Credit One. I will be closing this account with them as they do not take theft seriously. I think they give your personal information to people in the USA. They are sending me a new card for the third time in one month. It is disgusting how they get away with this fraud. STAY AWAY FROM CREDIT ONE CREDIT CARD. They have caused me nothing but trouble!! I will be reporting them to the FTC and the FBI.

I never get a credit card with an annual fee, but it wasn’t obvious. Blurred in the fine print; $95 Annual Fee <— Ripoff; Upon approval acceptance you're automatically in debt $95. Payments: delayed 4 to 5 days; you can expedite for $10 or $15 dollars. Another Scam: <— Ripoff. Here’s where they shine: Based in Las Vegas, NV but their customer service is based in the Philippines. You using voice over IP: Can a company be any more cheaper. Predatory institution. Poor business ethics by outsourcing to a 3rd world country, not keeping business values at home. US labor laws cannot be enforced. Slave labor, no oversight. Customer Service, is a joke, they read from scripts, repeat your questions to you, and provide a moronic answer. You get preapproved in a snap because you begin by owing them $95.

I have had two credit cards from Credit One Bank for 3 years now. Yes, I am using it to rebuild my credit, and it's working. I have never had a problem, to date, with any of my cards. I always use the website to make my payments, or I use the App on my phone. I am sorry so many people are having trouble with this company, but like I said before; I have never had an issue. I knew what I was getting into, and I don't like some of their features on the card, but knock on wood, it has been a good experience thus far.

I wanted to rebuild my credit so I applied for this card and got it. My limit was $400, which I felt was perfect to start out with. I ended up charging $150 and then get hit with a $75.00 fee. Ok, my balance is still under my limit so no problem. Then out of nowhere they hit me with finance charges which somehow pushes me over my credit limit. THEN they hit me with over the limit fees. To make a long story short, they put my account in collections AND took me to court over $750. AWFUL! STAY AWAY!!

This card is predatory! I realized what I was getting into but I did it anyway as a means of raising my credit score. It did do that. But, the fees, I'm not referring to late payment fees, but fees that come with the card like annual fee, monthly annual are then charged interest. Horrible customer service, they charge to for normal turn around payment processing times. I have a card with Capital One, I make a payment, it clears the next day. I make a payment with this card it takes about 5 days to clear. They don't report consistently to all of the bureaus. One of my reports has a balance that's over two months old. They are outdated and don't use technology to make them current. Truly unhappy customer - IF YOU’RE CONSIDERING THIS BANK/COMPANY RUNNNN! AS FAST AS YOU CAN!

I am honestly so regretful for having to use Credit One Bank. This is one of the most dishonest people on earth. They recently closed my friend's account just because 2 small payments didn't come through. After a year or more of owning the card, this has never happened before. The money in the card keeps disappearing. I am very upset and disappointed with the handling of this card on the issuer's side. God is looking!!!

My Credit One card has had fraud committed on it three times! Then they allowed someone to call in and they authorized them to make an express payment on the card with the debit card I have tied to the account so they could commit fraud on it again!! Then they transferred old balance to new card (for the 3rd time) and my card that has an 800 limit on it and a 201 balance when they made the transfer, now has a balance of almost 3,000!!! They have been making me pay huge payments on this card, which I can't miss due to I'm in the middle of getting a mortgage. Now I received a call from the mortgage company saying they can't do the mortgage because Credit One reported that I owe 3,000 on an 800 credit limit card which dropped my credit score 51 points!!!

We have had nothing but problems with the card, paying on the card, and them adding unauthorized charges. Calling in is a nightmare, expect to get hung up on numerous times. Authorized users are a joke because they will not even take payments from authorized users. This card has caused our credit to be worse than anything. DO NOT USE THIS COMPANY!!!

From the beginning they were nothing but a headache. They would constantly send me confirmations of my payment being received and then would not take the money out of my account for a week. Weekly payments were made to pay off my balance but they closed my account because two payments were unable to go through because by the time they took the money out of my account my other bills would hit my account. These were not my monthly payments as they were always taken care of and I had 100% payment history on my account. After being told my account would be fine after paying off the overages that happened because of my two missed payments I would have access to my account again and be in good standing. This apparently was a lie and my account had already been closed.

I received my card and a week later my bill with a $75 annual fee charged. I called same day to cancel but it was already too late they said. I have to pay to $0.00 in order to close. They sent me advertisements for at least one year and I never saw in any of the fine print and would be a card with an annual charge. They asked me if I still had the advertisement and of course I've said no cuz now it's three weeks later. I always do save my agreement that comes with the card and it did say there was an annual fee. I'm just angry and frustrated that I have to take a loss of $75 in order to close this account.

Absolutely stay away from Credit One Bank!!! I reported a fraud credit card opened with my information and even sent a theft report but this nasty company with their very rude and disrespectful employees keep going behind my back saying it is valid. No one in this company will do anything about this fraud account. Do not trust Credit One Bank.

I was sent credit card with line limit. Days later I was sent a letter which says there is 75 dollars yearly fee. I called customer service to cancel the card. I was assured card was cancelled, but later received a statement, and later a message that someone broke into my account. There should be a serious police work involved here.

We have a Visa and a Mastercard with them. In the time that we opened the accounts, our accounts have been hacked about 4 times in a year. They keep canceling the cards and sending us new ones. They tell us that they are transferring the balance from the cancelled card to the new one. I actually paid off the Mastercard in Feb 2018 and almost the paid off the Visa as well. I tried to use the Mastercard in March and it was declined. When you try and call them, you cannot speak to anyone that speaks ENGLISH. They constantly call my phone all day from 8am 'til 9pm at night and on weekends including Sundays. I have blocked all their and numbers and they always find another # to call from. THEY ARE A SCAM.

This company targets people who need to rebuild their credit. They place online blocks on the account so that you cannot make online payments or see statements. They do not clear the blocks even though they state it will be removed 24-48 hours after your call with them. Furthermore, they will move your payment due date up a day keeping in mind that you are unable to see this because the account is "temporarily blocked". They also do not allow automatic payments thereby collecting as many fees as possible from their customers.

We received a credit card with an activate today sticker then a few days later a statement with a 75.00 charge fee to have card, never applied for it and I called them to verify 877-825-3242. They said the credit card was active, told them it is not ours and to delete it. Will have to file a police report.

I was online checking to see if my payment had post to the account. I was prompted to a site that I asked if I needed a replacement card and there was only a submit button there. I tried to reverse it. Tried to go out of it. There was no way to exit out or anything. I accidentally hit the submit button and it will not reverse. It just kept going. I try to stop and delete it before continue. Next thing I know I have a $25 replacement card.

Fraud completed on my account in another state. I reported all transactions. They only submitted 2 of the 1500 balance. Canceled the card and they shipped another. Made me make payments the entire time until I got it resolved. In the meantime I put a password on my account and the next time I called they never asked for it, said that it was placed on the old account that I canceled... why would I call for fraud and put a password on the account I closed? Told me it was my fault I didn't put it on the new one... 4 managers later that was resolved. 4 months later 3 months later issues are still not resolved... I type this email as my account access has been shut down, they want me to fax my ID to regain access and want me to dispute the transactions with the companies they were purchased with. I cannot express the level of stress I am feeling right now.

Credit One Bank is a SCAM!!! Stay AWAY! Their website is "experiencing problems" constantly, not allowing you to log in, or reset your password. So you are forced to call, they refuse to waive the late fees that you get BECAUSE of the website being down, AND THEN they charge you $9.95 to take your payment over the phone. It's a clever little scam they've got going. Then, you can request to have the late fee and processing fee waived, but it gets better. The only way for that to happen, is to "have a supervisor call you back". That phone call never comes. I refused to hang up this morning, and asked to be connected to a supervisor. 49 minutes later they took me off hold and hung up the phone.

DO NOT GET THIS CARD! It will be the biggest mistake of your life. I cannot wait to finish paying this card off (less than $100) so I can cut it up and mail it to them with a big **. I got this card with another card (Discover) to start my credit. Credit One will call you about 20+ times a day, even when you have no payment due. This should be illegal. I seriously made a payment and they called me the next week, I said I didn't realize payments were due weekly now. They apologized and hung up. Even now they are calling me, It's 8/27/2018 and my minimum payment of $25 is due 09/11/2018. But yet they are calling me 20 + times a day.

I filled out the application for this card, was approved and then got charged for an annual fee, activation fee and processing fee. Cancelled card, 3 months later was called and told I owed annual fee and late charges.

I started to fill out an application and then set it aside. A couple of days later, I was told that I was approved and that the card would arrive soon. Today I got an email from them claiming someone had changed my contact information and to call a number they listed in the email. I called. It was a fax machine. I called another number through their website and was asked first for the last four digits of my Social Security number and then my mailing address. I declined. I will cancel the card and report any more creepy information.

This is a terrible card. They charge interest BEFORE your statement is even due. They have an option to check your credit score, but in August 2018, my last update was from March of 2018. The rep said that Experian has failed to give them my updated score and that I should contact them directly. I would close this card, but I don't want to ruin my credit history. I asked if the card was inactive for a long period of time, will they close my account, they said no, as long as there is no outstanding balance for over 90 days, the account will remain open. I WILL NEVER USE THIS CARD AGAIN.

I keep my balance low with Credit One because of this issue. I pay on a weekly basis to keep my balance 0 and not pay interest. Their automated payment system says I have made too many payments in the last 30 days and won't accept a standard payment. However if I want to spend $9.95 they will accept an Express payment. I tried to contact them and was unable to understand them nor were they any assistance with the problem. This company is nothing more than a legalized scam artist. Stay away from this place.

I've had this credit card for a few years and all of a sudden they started taking large payments out of my account right after I would make my payment. 1st payment made was $100, next day they took out $500 and now they are trying to get two more payments out of my account.

If you don't get it in writing when you close your account they will scam you out of late fees/annual fees and your credit score will be impacted in the negative. Get everything in writing if you want to close your account. Get the name of the CS person too. Get a paper statement with proof of closure. Check your credit score. Check your credit reports. They will not do as they say.

For one Credit One Bank has no one that speaks clear English. It's like they are programmed what to say, well my payment was 40.00. They took 140.00 out of my bank account then turned around and closed my account. I was never late on payments but everything was clearly their fault. Somebody legally need to something about this company! I could go on further but never again.

I had a account with this Companies for several yrs and I paid my bill on time, and they will try to entice you with higher credit limits when your account is almost paid off... Don't take their offers. If you are late on any payment, or get way behind on your bill, they WILL NOT work with you or set up a payment arrangement because they make the most money off of Late Fees and Finance charges. My Consolidation Company tried to set a payment arrangement with them, so my finance charges could be lower but they refuse to accept that.

I got behind on my Credit One account by mistake, now they refuse to take any payment less than what they piled up. I called and tried to make partial payments and they refuse to take a partial payment of any kind. I can't change my due date to reflect my social security payment, so they are able to charge me a late fee of $35 each month! Add that to my rapidly increasing 'past dues' and I now owe over $740+ on what was just a 480 account several months ago. I asked them to (1) close the account, (2) stop adding on late fees and let me pay partial payments in order to get caught up, but I got a solid NO to any help. They emailed me saying they had the perfect solution for me to get caught up.

I am on a fixed, one time a month budget, payment due on the 9th my check comes in on the 13. I am charged a late fee every month for $37.00. I also PAY a fee for the card $75.00 per year. When I call to close the account after 3 months the representative speaks broken English, I ask for a rep in the USA and I get transferred 5 more times, the lady that answers the call says there is no grace period. This card is a scam.

I was notified via email by Credit One that they believe charges to my account were fraudulent. Only after allowing 4 out of 5 charges at the same store within minutes go through did it click that something was wrong to them. I immediately called when I received the notification from my office desk (which means I am not at the store). I have been told that it will take up to three months to investigate and in the meantime I must pay for the charges until the investigation is complete. This is BS to make a customer be responsible for charges that they didn't charge. I have NEVER had this happen with any other company before, I will be closing this account ASAP.

I was unable to get them to understand a payment was missing. Kept telling me about all the charges on account but not the payment. Tried to cancel card, kept transferring me to different people who kept offering me other options. Very frustrating. I also had a very hard time understanding them. Support done out of the country.

So this company is absolutely the worst company I have ever dealt with. So in June I was going to make my payment but I had noticed that there was some charges that I had not done. So I called them right away and told them that I did not do these charges. They told me that they would deactivate the card and they would issue me a new one as well as the investigation team would work on it to find out what happened.

First, I've had issue with Credit One Bank regarding fraudulent charges on the account and their resolution was to reissue the card. They did not check if there were unauthorized charges with me. They credited items they assumed were fraudulent. Their customer service representatives are very inexperienced with answer the customer did not ask questions for. In May 2018, I notified Credit One Bank that I would be out of the country until July 2018 but my payments were scheduled. I am a Fraud Victim so carefully reviewed all my account for irregularities and unauthorized charges. I found my credit cards were replaced and other charges were added to the account. I was told I called June 19, 2018 to report my card had been stolen but I had my card in my possession.

a live person, she could not tell me what transaction accounted for the $78 balance, other than that it was a "bank charge," I assume it is the annual service charge, plus daily interest. If I can see the charge online in my balance, I ought to be able to see what it is for in transactions. This outfit is set up to ** the consumer. I will be canceling the account ASAP.

I called Credit One Bank to make a payment today and they asked me for my credit card number. I told them I do not have the card in front of me. I asked them if there was another option that they can check my file. So, they said if I don't have my card info they needed my full social security number to look up my file. I refused to give my social over the phone. So they transferred me to some service line and the line was a disconnected number. I ended up ** at the lady on the other of the phone and she went silent... Did anyone have this problem? SMH.

I sent a complaint online to the Office of the Comptroller of the Currency. The website is www.helpwithmybank.gov. I tried almost 20 times to pay my bill online but I could not, because I could never set up the account. Try to pay by phone and there is a charge of more than 9.00 dollars. This is a fraud, they also charge for late fee that has happened to me because I could not make the payment in term of this way every month. You have to pay an amount to pay by phone. And sending the payment by mail does not guarantee that they say they received it in time.

I've had this card several years, now starting in May I believe, I receive letter confirming an address change? Well, how could I get this at my "old" correct address if I changed it? Meantime, ooh yes there were charges being made on my account. Took 2 months to straighten this out and prove I am me, finally got access back, log on and make a payment (by the way they charged late fee even though they had me locked out) and the very same week I am again locked out! Called and told them to shut this account down, must mail me statement as I cannot log on online again. Nightmare and these guys are little to no help. Hard to understand, I don't think they see the gravity here either.

Every time I submit a pre-qualifying application, I receive an error that the connection to the secured server has been lost and we are unable to continue processing your request. You will need to start over. This cycle continues over and over. Then I got letter in the mail stating possible fraud. WTF!!!! I don't know if I am at risk of someone possibly trying to commit fraud while submitting the application or it's this piss poor of a company website!!!! When I contacted customer service no one could tell me what was the issue even after submitting a ticket and waiting 7 business days to call back. The last rep told me I will only be able to get a credit card if I received a letter with a reference number. I'm upset because I know my credit is well over the min. acceptable credit score and a few colleagues recommended I apply with the company. My experience hasn't been pleasant or successful.

Why don't I like Credit One? Let me count the ways: 1. As soon as you're a second late for a payment, they start spamming you. I've gotten calls upwards of 10 times a day from different numbers that are all associated with these guys. That's incredibly predatory. They even call on weekends. 2. The APRs and rates are pretty terrible, but I expect that's something you know going into one of these cards.

Credit One has been a pain in my **. Since day one they shut my account 3 times. All because I didn't have the right bank info. I am unable to talk, so they wanted me to get a POA from bank. And I said my wife can do the talking for me. They said ok and charge me a $19.00 fee. Well they shut me down again saying my bank info incorrect and I've made payments all month. Called them up and said the info was incorrect. I paid them some money and they charge me a fee again. Well they wouldn't let me in my account. They said I needed a bank statement from the bank showing I had a account there. There is really something fishy here. I need help with these crooks.

So having horrible credit I wanted to try and rebuild my credit so I got this card. You can check your credit in their app but don’t believe them because my real credit score was way lower than what they said it was. Also all the customer service reps are in India or some other country. High interest and fees and I’ve notice balance discrepancies of the tune of about 30$. When my card had charges that were fraudulent they not only cancelled my card but my whole account is suspended. I have not had this card long so we will see what’s next.

Received my card early 2017, made one transaction without issue then everything else after was declined - could not get a answer from the rude customer service reps who rush you off the phone so I gave up and cut up the card. Decided to try again and early July 2018 I requested a new card ($25 fee for that). Once I got my card I used it at a Shell gas station with a successful transaction but now everything is declined. Over the last 4 days I’ve spoken with 16 reps and 5 supervisors who all say they refreshed my card and in 15 min the card will be OK and that the decline was due too “unusual merchants” (Shell gas, Amazon, Target, ShopRite, McDonald’s). To me those are normal.

I've had this credit card since 2013 (trying to rebuild my credit after the 2007-2010 recession, I'm in the construction industry... nuf said :)) Sooooo, my lesser gripe is the high interest rate (but, pretty understandable if your credit rating is not so great). Here's the kicker though: that brutal "yearly" charge to have this card. You might be wondering why I put "yearly" in quotations. That's because it's a yearly charge... billed monthly. I've wanted to cancel this card for quite some time, now that my credit score is back to a somewhat normal range. But every time I pay off the balance, they charge $8.25 as soon as my payment posts... soooo, now you've got an open balance again and can't cancel.

Horrible! I have been trying to rebuild my credit to purchase a home. Credit One Bank was a suggestion from one of the credit sites I frequent. I was approved for a $300 limit back in February and it’s been a nightmare ever since. The problem began in April. My Credit One account was hacked. Someone in Nevada changed the address on my account and then added themselves as an authorized user. Once they received a card, they paid it off using my debit card that was on file and then went to an ATM and stole all the money. I did not catch on to the fraud until I received a letter from Credit One wanting me to confirm an address change.

I find it strange that when I attempt to make a payment online on my due date the site doesn’t work! There was a time I experienced this, so I called and explained the issue. Well the representative basically repaired my account and I was able to pay online after telling him NO I was not making it through him nor will I be paying a fee to make it through him.

I now wish I saw this first. I got a credit report with a delinquent on my account. I pulled up the web account and it did not show any activity. So I called, the woman that I was talking to. I could barely understand her, asked where she is from, and said the Philippines. Now I started to wondering and coming to find out that it is a scam. I have not use the card since October 2017 and paid off the amount I used. The to see a delinquent on my credit report.

Opened my account and after several attempts to set up online which none were even close to getting online finally after 4 browsers setup was completed on Internet Explorer. Made 3 payments with them on the phone because I couldnt set up online and the last time they told me they were not going to waive the fee cause their website was working and it was me. Well okay but I shouldnt have to download 4 browsers to make a payment.

I am so pissed and this is a long story! Going back to October 2017 is when I first became their customer. I was making my payments on time and I only had a limit of $400. In May this year with no prior notice I get a notice from Credit One that my payment was declined due to stop payment. I NEVER STOPPED A PAYMENT AND MY BALANCE WAS ALMOST PAID OFF. When I called their customer service I could hardly understand the person with a really strong Indian accent and after the fifth time I repeated what went on and why I was calling the person unfortunately got cussed out until they put me through to a supervisor! Funny how they understood all the four letter words I was using!

There is a yearly fee of $75.00, which they don't show on your electronic statement which is shady. Also, if you have an authorize user to the account, you pay an additional fee of $19.95 every year as well (which is ridiculous). The interest is also very high. If you need to build your credit. I would suggest keep the card for 1 year, charge on it and make EVERY payment on time. Hopefully that will be enough to get you better credit offers and then close the Credit One acct, that's what I did.

I had no idea that credit card companies only allow someone to make a maximum of four payments in a 30 day period. Well Credit One Bank only allows you to make 4 payments in 30 days and they will not allow you to pay off the balance if you reached this limit. I'm so confused. Why? I don't get it.

Credit One resolved my problem quickly out of all the credit cards I have Credit One was the only one that did not allow anyone to steal my money I see now why their fees are high because the security is good they didn't like what they saw so closed my card and sending me a replacement with new number so for that I changed to a 5 star they acted very quickly and kept my funds safe

They Charge about $79.00 a yearly fee to begin and then the yearly fee is divided into month amount. THEN THEY JUST CHARGED ME A ONE TIME FEE OF $14.95 for a $250.00 credit line increase... As soon as I build my credit I am dropping them. My Discover credit card charges no yearly fees.

If I had known this company would be so rude to their customer I would have never applied for a credit card with them. They cancel your password without your permission. Their fees are out of control. I am done with this credit card. This is the worst company to ever get a credit card from. Don't make the mistake and get one whatever you do. They won't let you pay your bill over the phone without a charge. It hard to set up your account online from their website. Just the worst experience I have ever had with a credit card company.

Started in April 2018. Payment in full occurred on account which hit checking. Called and reported transaction as unauthorised. Verified info. Credit One said they needed to reissue my card. Never received it, but thought it was because of the fraud. Someone changed my address to a Florida address and allowed them to charge card to max. Feel like inside job. Closed accounts, but have to wait for fraud investigation to be done.

I had a card from Credit One and ran into a ** load of problems. First off, someone made fraud payment and a couple of fraud charges. And this was after I had already closed this account a month prior. Then I was alerted by my credit monitoring company and then they charged my account off even after I paid it off. I filed a small claims lawsuit this afternoon for 5000 dollars, I'll keep you informed on its progress.

I’ve had this card for 6 months and I’ve always having an issue with making my payments online. I called today because of an email they sent about my account. I was not able to log in the account. I called customer service and was told that my account was suspended because of a returned payment. I asked for the account information they had and it does not match what I know I put it and what has been saved. I was told my account was closed and that it will be reported to the credit agency on the 7th. The only way to possibly get my account reinstated would be to send a letter from the bank of my account information? Like why? They are a scam and full of bull. No one could tell me how long the process would take. I’m contacting a lawyer.

They offered me a credit card to help improve my credit. I accepted it. I used it for a few charges, paid the whole thing off the end of each month, then closed. Stopped using it months ago. Assuming I didn't have a monthly payment to pay, I logged into my account today to see that I owe them over $100 and even worse my credit score dropping because of nonpayment. It turns out that they charged me some hidden fee I wasn't aware of, then each month the fee accumulated with late penalty charges and interest. So these days, if you don't owe money, you still owe money and get your credit all screwed up??? What a scam! Companies like this are the reason 2008 financial crisis happened, if not regulated better, it will happen again and even much worse!

I got this card just as an easy way to finance a payment. Everything was fine for the first couple months, until my payment was due last night and I was unable to even access the "make a payment" screen. This morning, I was charged a late fee, which I expected. I was irritated, but figured it wasn't a big deal since I DID wait until the last day to pay the bill. My fault. This morning I went to make another payment, the payment did not process, and would not allow me to try to make that same payment again, so I called the customer service number that they advised me to contact. I wound up speaking with the most rude individual. She yelled at me, demanded I calm down, and spoke to me like a toddler. It was like she was reading off a script and wasn't even listening to the problem I was describing to her. She would not give me her name, but her attitude is the exact reason that I'm cancelling this card the minute I pay it off completely. Not worth it.

My credit was badly damaged in 2010. I got a credit card from Credit One to slowly rebuild my credit. I finally got my credit up to a decent score and I held on to this card because it hurts your credit score to close an account but Credit One has to go. I am charged $8.25 a month for an annual fee, I pay the card in full each month but they charge interest on the balance daily, I found a charge for $19.00 so I called Credit One to find out what it was they told me it was a membership fee.

They'll be happy to give you a card and if you want to survive unscathed do what I did. These guys are experts in the shifty'Mc shafts so do not imagine it or use it as a credit card. Create a new email address specifically for this card. Don't use the card if you don't have the cash on hand, you'll need it to pay it off after a few days, after it registers on the website or the app. Only use it once a month. Only keep the card for 9 months. Read your termination instructions carefully and mail the letter certified. Make sure you indicate that you are terminating "our contract at your request". Do not let them talk you into keeping the card. Lie and tell them your bank gave you a $2000 credit card limit and you don't need two credit cards. Always enter your login and password fresh, no saved data fields. Don't bother calling for anything but a credit increase after 4 months.

I do find it interesting that the company does not have a technical support team for when issues arise with websites. I would think that if a company has a website, they would have the technical support to work with it. I called, talked with the representative on what was going on, asked to speak with the technical support department as my website had been working 7 days prior. "We do not have a technical support department, we troubleshoot the problem here." Very interesting when a problem arises and they only have 1 department. Don't get as the support is not worth the runaround...

I have been a Credit One Bank cardholder for 2 years and I have to say that they are the worst. They charge for credit line increases, provide TERRIBLE customer service and offer absolutely NO HELP if you are going to be late on a payment. The customer service reps are rude, difficult to understand and aren't always able to answer your questions. When I asked for the hardship department, they gave me the number for credit counseling services "in my area" because they don't offer hardship help. This is a credit card company that prides itself on helping people rebuild their credit but don't offer help if you hit a bump in the road along the way!!! What a scam!!! Can't wait to pay this card off and be done with them!!!

I have had this credit card for about 10 years. I pod the card off about 2 years ago and just use it for small things which I can pay off monthly or within 2 months. I attempted to pay my bill online for over two weeks. Their new authentication does not work. It will not allow you to go past the security questions page. I also never received a statement from them, but knew I had used the card and wanted to pay in full. They have been calling my home all weekend from different numbers. I was not home and a friend finally answered the phone.

I am trying to report this to Equifax and Transunion. Every month I go online to pay my CC bill and the password says, "problem logging on. Try later." Three months later and the site STILL will not work to renew your password even though it does not tell you it is specifically your pass is the problem. They are deliberately not specific. I know my password. They simply make their website unavailable and then you are forced to pay an additional 9.98 for an express payment when in reality you should be able to just log in and pay. It is simply a money making scam and it is FRAUD. This is why they are not accredited. I will cancel my card ASAP.

I am a cardholder with Credit One Bank, and will be brief. I have been with Credit One Bank for a couple of years at least. From the very beginning, paying my bill using the automated number was unsuccessful. The line would never pick up, just disconnect. If it actually did answer, disconnected at some point through the prompts. At this point, I installed the app in order to make online payments. This experience was not terrible, however a large amount of the time I was unable to view my statements. If I was able to actually retrieve an agent via telephone after LITERALLY WAITING FOR UP TO TWO HOURS, unfortunately I was unable to understand the agent/dialect issues. Resulting in yet again the inability to make payments. Currently, well LITERALLY for the past two months I have been unable to reach Credit One through all avenues resulting in now "late payments" confirmed with credit checks.

I have had this card for 6 months and always pay my balance in full. This month was no different and even expressed paid it so I would have funds available the next day. 3 days last and nothing... So I called and the customer service agent said I closed the account! I did no such thing. After almost an hour on the phone it was remediate and a new card was being sent to me. He concluded my card had been compromised and even my address and phone number had been changed in the account but I would receive a new card in a week. It still hasn’t arrived 2 weeks later and my credit report just alerted me I have a new closed account. I went online to check the account and see what’s going on and no information has been changed and it doesn’t say my account is closed either but it has been transferred and I notice the last 4 digits of the account is different. I have to wait until Monday to speak with someone now. I just want to know what is going on.

I've made several call over the past month for assistance with making an online payment. They've added a new feature where you can process a payment for $9.95 or use their current method (online or mail). The online access has NOT worked since, it seems, the $9.95 fee became effective. Was told today that Credit One is updating their security and that is why their site was inaccessible. Was then offered to help reset my password. When I asked why, since the site was down, was told that it would be ANOTHER 48 hours before I could use the online option. Never got a response as to how that would work if the site was being upgraded.

I will make this as short and sweet as possible as it has been a 2 month nightmare! I've been with Credit One since 2015 and have great standing and zero issues until late March early April. It started with me getting a letter at home from Credit One dated 3/28/18 thanking me for changing my address to something in Florida. I live in SC and haven't moved. This was suspicious so I called them right away on 4/3/18. During that call (I won't even go into how awful the customer service has been and how many hours I've wasted with them since) they eventually updated my address back to my correct address.

I've read many of the other reviews of Credit One Bank CC and I'm shocked that there are so many problems! I haven't had any issues with customer services, I've had to call a few times and they handle my questions with courtesy. I do agree that the fees are high! I've gone over my limit a couple of times due to my special needs child needing things insurance doesn't cover, being a single mother you do what you have to do. I've been caught off guard when my available credit says $150, so I get my son his meds, then the fee is deducted and I go over my limit. That happens with all bank cards that are made to help build your credit, they have outrageous fees (I've learned that). I'm sorry so many people have had such awful experiences. My experience with Credit One isn't as bad.

Worst service I ever got for credit card. I wasted too many time to make payment through internet but could not make it so used phone call but no personnel answer responded. I began to feel so weird so I used the express payment by paying 9.95 dollar charge which I never experienced for any other credit card services but again it did not go through. I tried to pay off but not get successful. I strongly hope this credit company should get someone's control or resist by public record of service.

I was alerted my credit report was ran through this company which I have no knowledge of who this company is. When you call you're calling India at a call center. You ask for the fraud Dept. And telephone number. They say they can’t give it to me. So I look online and find out that there is indeed a fraud Dept. However, nobody answers. It’s a machine telling you to leave your name and phone number and someone will call you in 2 days. So someone from the fraud Dept calls me from a Las Vegas number. They tell me not to worry about it. After 90 days I receive a letter that I am indeed liable for the charges in the amount of $925. Now I have no idea what to do. This company is absurd. Now I have to Dispute it off my credit. This company is the worse. First of all I would never get this card with an annual fee. Seems like they give anyone a credit card.

I open this account back on July 30, 2015. I opened this account with a unsecured $300 Limit. I have called the bank several different times. I used this card often and have never been late on my Payments. I have 100% making Payments on time. They have raised my Credit limit several times and charge a $25.00 fee. My credit limit on 5-15-2018 is $800. You cannot make a Purchase with a $300 limit. This is nothing but a medical Card for a person that has Life Term illness. What can you really buy with a $300 limit? Maybe go to Mcdonald's and buy a Big Mac meal and buy coffee and smokes at 7-11. I have tested this card many times. They do Post the Payments Quickly if you use the express Payment service by pay the $9.95 Fee.

I've had this card for over a year and have not received my statement on numerous occasions causing my payment to be late. I'm NEVER late on anything... Ever! Fees are absurd and not told about either.

On hold for the longest time. Got some guy who I could barely understand (heavy Indian accent). He then switched me to someone else also with a strong accent. I'm being charged $35 despite the request to cancel the account. I did not feel that I should be charged the annual fee if I'm cancelling. He stated that the account will be cancelled but I still owe the $35 user fee. Could not make him understand that this is totally unfair. Would not recommend dealing with these idiots.

Horrible customer service by people you can barely understand. They try and fabricate things so keep good records. I ordered a credit card with Credit One. Without making a purchase using their card I paid them 100.00 dollars. They placed it on my statement as a credit line increase. When I reported the card stolen they told me not to worry they would issue a new card. I received a statement with new card number and balance of 600.00 being owed. This is before I received the new card for activation. The old card only had a charge for the unidentified purchased amount of 132.16.

I have been with Credit One for over 6 months now and have made every payment on time and managed to pay a zero balance every month. On the 5th payment I was told by the rep that I would automatically receive a Credit Line Increase (CLI) once the balance was paid to 0. I made the payment and a few days later nothing had happened. I called customer service and was advised that a CLI was on its way and to check my account within the next 72 hours.

This company makes it nearly impossible to close an account, and I'm guessing it's intentional. I realized that I was only paying a monthly annual fee (weird, right?) and associated fees and interest, as I almost never used the card, so I called to cancel the account. It took me two phone calls, five or six transfers, at least 45 minutes, and a great deal of frustration to get that done today. The representatives were difficult to understand, and tried to toss in sneaky little fees while rushing through reading their scripted dialogue. Prior to one transfer, I asked if they were trying to discourage me from closing my account. The agent assured me that, no, they were not, but then she transferred me to another rude, dismissive, and barely helpful representative who claimed his name was Jordan. I will never do any sort of business with Credit One Bank again.

I had had this credit card for only several months and at first was surprised because my initial line of credit was only after one on time payment. I was notified of the $19.00 charge but my credit limit was raised by $200.00. I have always paid my balance in full and never had a issue until recently I called customer service because I had not noticed my monthly payment being recognized and my balance as of being paid. I contacted customer service and asked if they would verify if their records showed that I indeed had made a payment. The customer service agent said that they saw no record of a recent payment being made. I proceeded to make a payment by phone as I always have and as soon as the payment had been made, the customer service agent had then informed me that there was a payment that had been made two days earlier!!!

For an American based company you would hope that they would hire people who speak the language fairly well, not here, and not the first time I have had to deal with them. The worst thing is being told that there is a $25 fee to replace my card. Then they lock me out online. Then you try to make a payment on the phone and there is a fee of 9.75 which she 'waveld', had to ask what 'waveld' meant, figured out she meant waived. Also as a means to verify myself she wanted me to verify a charge from 6 years ago, who remembers a charge form SIX years ago? Asked my SSN and the last 4 digits of my SSN 3 different times. I almost asked for a supervisor. A simple 2 minute call turned into 18 minutes.

I was notified by Credit One that my card was being used in Florida for a several purchases. I advised Credit One that this was impossible since I was in PA. Everything seemed to be resolved until I received a letter from Credit One stating the check I used to make a payment to my account was returned from my bank. The only problem was I did not have a balance on my card. Someone made several large payments to my account and then took an advance for this amount plus my available credit limit. This card was never activated. I am still waiting for resolution from Credit One. It has been 2 weeks. The best part of the story is I was billed for a new card and as other people have stated I was required to make a minimum payment.

This is by far the worst credit card I have ever had. I fully paid off my account with this company. The next day I see a charge for 218$ from a jewelry store in France. I live in California. I have never been to France and never purchase anything from anyone there online. I immediately call Credit One and am told they have to investigate this issue and they will refund me back in 30 to 90 days. They then tell me that I have to "just pay the min. 25$ every month" so my card does not receive a late fee. Keep in mind this is the 218$ STOLEN from my credit card that I must pay off!!! I am then really pissed off and asked the Indian lady to repeat what she just said.

Don’t get a credit card from this company. They screw you with fees' interest rate. Poor customer service call you if you're one day late. Charge you 9.95 to make a payment. It's the worst company I have seen for a credit card. Do yourself a favor if your rebuilding or starting your credit don’t use Credit One.

Good to know that I'm not the only one having problems with this company. I am experiencing the same things as others. I have had a Credit One card for a number of years and never had any problems until the last 6 mo. It started when every time I went online to pay my bill, my password wouldn't work so I would have to reset it all the time. I had a hard time getting access to my acct. all the time. It happened again last night. I finally got a hold of someone, that I couldn't understand, and he couldn't explain why this was happening but was probably "for security reasons" which was pretty funny since one of my cards had just been fraudulently charged $800.

Just recently received this card. After going through the 2 step process then having to go through yet another verification process the following month (which I understand they have had several cardholders being hacked so the added security is ok) I tried to schedule a payment. My due date is later than the date I wanted to make my payment, yet the website doesn't allow you to schedule an earlier date. Trying to get through to a customer service person was a landmine but I finally got through only to be told the date couldn't be changed. I had to mail the payment. Never experienced this with a card company. They want you to pay late... Will be closing this account asap.

I tried to log onto my accountant just to find they would not send a code to my email address. I called and the customer service was no help. I am so glad I made my payment early. I was told I was sent an email that stated that I needed to update my account a couple of weeks ago. I looked all through my email but it never was sent or it did not come to me. Are they trying to charge people extra for a payment over the phone, or tell you your payment is late if you send it in the mail? Something is up and it should be looked into. Imagine a customer service rep that cannot help you get back into your account over the phone. I figure he/she could have given me a code over the phone, or unblocked my account.

My credit card was hacked online, changed my phone, email and address. When I noticed 5 days after they changed all my information, the hackers already maxed out my card that I just almost had paid off. They were able to get a card overnighted to Florida, I live in Michigan. When I asked about a card I was told 7 to 10 days. How can hackers get overnighted and I can't. Now I cannot even get the charges taken care of. Been 30 days and told it will take up to 90. In the meantime my credit is taking a hit, my bill is higher and I have no emergency back up card. This is not a good company and I regret getting a card from Credit One Bank. Almost like an inside job that this is happening to so many of us and all going to Florida.

My credit bureau alerted me that a new account opened in my name. It was a Credit One card. Since I never opened this account I called the company and was told that they could not remove it from my credit report. The representative told me that he had my date of birth which is why they reported it. I immediately started a dispute with my credit bureau and reported Credit One to the Better Business Bureau.

I have tried to go online to make a payment and I cannot get through. I have had the same username and password for some time and never had a problem. I'm so disgusted because now I have to send my payment and it will be late and I'll be charged a late fee. I have had payment reminders in my e-mail, but when I click it on, I get a McAfee warning. I don't know what to do!!! I tried calling Credit One, but all I get is music.

Went online to make (FIRST). Filled out all the information to make online account to pay bill (perhaps including social security number)... they couldn't go any further after suddenly realizing I didn't have the account number because I had never received (or opened) the actual credit card. Searched through the mail and found 'new' card. Went back to computer to furnish this LAST piece of information to login in to pay or set up payment online for this account. Before I could get back to the computer/website to enter account number... the Credit One Bank site (for payments) appears to have been REMOVED or TAKEN DOWN.

I recently activated a card through the toll free number they provided. Shortly after, my card was compromised and someone purchased over $800 at Target in Florida (I live in TX). When I called to report this fraudulent charge, I was told that I needed to verify my password. I never created a password. I activated it on the phone and it never asked for a password. When I said I didn't create a password, she asked me to verify my mother's maiden name which I did. She told me it was incorrect. I asked her how it was incorrect when that was my mother's maiden name.

Do not get this card if you can avoid it. I am trying to rebuild my credit so I moved forward with these clowns. They are IMPOSSIBLE to either get on the phone or understand if you are are "lucky" enough to get someone on the phone. You cannot make a payment over the phone. They insist that you do everything through their website - which is not user friendly at all. Also they readily charge late payments for making payments online and not choosing their speed payment service which charges an outrageous amount of money, something like $12. Also, their website is always down. I was just trying to log on today to make a payment and check my balance, but couldn't do it because it is down again. And calling is not an option. These people are a joke and money scammers. Do not open an account with them. You will be very sorry!

I just called Credit One Bank to explain that my credit card is lost. The extremely rude customer service rep informed me that it will cost me $25.00 to replace the card and an additional $19.00 if I need it expressed. This is after I already pay $99.00 yearly fee and has never been late with my monthly payment. That's it guys... I will not entitle myself to this financial abuse one day longer. For those who are considering this company be very careful of the fine prints. You will be taken advantage of before you know it. I now know there are other alternatives to rebuilding your credit. Try Discover card or Capital One. They consider low credit scores and allow you to rebuild without robbing you.

Customer service was rude and did not listen. A card was supposedly issued in February 2017 which I never received. Credit One made no contact with me until April 13. 2018. (Big gap) Received first written communication on April 18, 2018 of a past due balance. Customer service reluctantly told me that the charge to account was their annual fee and then a late fee. Customer service admitted the card was never activated and that they assessed the annual fee on an un-activated card. So why has no one from Credit One contacted me in over a year? Both Customer Service and Supervisor kept saying they would send a replacement card and I kept saying I don't want a card. End result is supposed to be card is cancelled and all charges are erased...

I applied like most trying to rebuild my credit. They never could get my payment correct from Savings vs Checking. Closed my account due to fighting with them trying to make a payment every month that they could not comprehend Savings vs checking. I have a savings account and have been unsuccessful of getting them to understand that is the type of account it is. Only one time did I ever finally get through and I had to speak with 3 different people. After that they would call and tell me my account was closed and my payment did not go through and charged me $45 return fees and then a late fee. I even had my bank send them documentation of my account number and all I got from them was it was my fault and I needed to pay on my account. Can't when you don't comprehend the process!

Credit One Bank is literally the least ethical business I have ever had the misfortune to cross paths with. They are a predatory company that takes advantage of people who are trying to start their credit files and/or recover from a financial setback. Not only do they charge outrageous fees for EVERYTHING including attempting to pay your bill in a timely fashion, they own their own collection firms and will harass you at all hours of the day and night and the people they employ are barely able to speak English or Spanish. Do yourself a favor and use the fees you will pay this company to go to a reputable company and get a secured credit card.

As of 06-08-2018 a refund was awarded and updates made. Thank you for your listeners. We the people; power to the people... :-D

I never applied for this card! When I received mail showing I had an open card and there were charges on it already, I called immediately. They would not give me any information whatsoever or transfer me to a fraud department. They said they would take a report for the fraud department and I’d hear back from someone. It’s been two months and I’ve never heard a thing. Be aware of this company being a scam! I never received a card in the mail or a bill yet there are charges on this apparent card. Go figure!

Credit One intentionally misleads consumers, and when you finally get someone on the phone - they go above and beyond to keep information from you. I'm paying off this card and burning it and telling everyone I know who like me, only signed up to build my credit, that this company is only out to take advantage of those in most need. HORRIBLE - anyone who works here should be ASHAMED!!!

Starting February 2 I got a letter from Credit One saying this large amount of money was paid to my account but didn't go through. So I called them and learned there were a few large amount paid to my card but didn't go through but there were also transactions made to Walmart's in South Carolina and Indiana. I told them I wasn't there and they were not my transactions. They canceled that card and sent me a new one. Then I got a email stating that my information was changed and if I didn't authorize to call them and when I did they said my info was changed to a Miami Florida address. I told them I never lived in Florida so then they put my account on fraud alert.

This place is the absolute worst. They call you to tell you that there's been fraudulent activity on your account. Once it has been proven that there's been fraudulent activity on the account they put a fraud on your account. They tell you they're going to send you a card in 7 to 10 days. When you ask them if they could send you a paper to tell yes your account is under fraudulent activity investigation so that you can give that to the proper authorities to give to your banking institution and for your police report they say they can't do it.

Stay away from this credit card company! High fees, bad customer service and so not worth the money lost! P.S. I think their call center is through India because none of them can clearly speak English. First, the fees are outrageous! I will admit, I had credit issues and was looking for a credit card to jump-start rebuilding my credit and they offered just that. However, I was overwhelmed with the hidden fees! There is a fee for EVERYTHING associated with this card. Want an increase? Pay $29.95. Want another person to have a card (such as spouse)? Pay $25. Express payment so your payment is applied to your account next business day? Pay $9.95. And the annual fee... when you first get the card, regardless of your credit limit, you are slammed with a $75 fee.

Accepting the offer for this credit card was the biggest mistake I made. Since the first day there has been nothing but issues that have not been resolved. After spending one hour on the phone four days before Christmas to be told false truths and promises. The customer service is horrible. The level of understanding is horrible. I have several major credit cards and I have never dealt with this type of service of fees. I was promised on December 21, 2017 @ 9:26am after speaking with agent Eric (employee ID #**) and supervisor Alex that all my concerns and the fee would be waived.

I don't use my credit one cards often. I received a change address confirmation email from Credit One in December 2017. I called to notify that I didn't change my address. Turns out someone in Miami had received a "replacement card" on one of my accounts and was using it. Credit One was great at first and captured the account, started investigation and reversed the charges. Then it happened again. And Again. And Again. Four replacement cards were sent to this person in Miami (I live in California).

I ask credit one for charges made to my credit card when balance was 0 balance and they didn't give me an explanation at all. They said they will overview my account or investigate, but I haven't get any response. I submitted my complaint a month ago, and the charges are still there. What's wrong with them.

Set up after signing up with the pre-qualified letter. So, setting up payment method with my debit card from other bank and waited for the date, April 4, in order to avoid settling my balance with "express payment" which requires a ridiculous charge. Then, I found I can't go online again for Credit One can't locate my other bank account with my debit card. The lady, repeatedly saying she is "the only one" over the phone, from Customer Service hotline asks me to settle with the "express payment" which costs close to $10. I feel angry about this, coz Credit One should notify me the payment, which works with other credit card company immediately, that this is not working in Credit One. Sounds wired, right? Very suspicious! (I save my time in writing) I regret to get this additional credit card! So, think about it if you have this card.

Submitted an online payment, got a confirmation, then the website went down, so I called customer service to verify my payment went thru and they told me it didn't because of network issues, and to make my payment 2 hours later. I was fine with that, the very next day I have two payments of 300.00 come out of my account and they said that it will take 7-10 days for a refund and my balance wouldn't be available until 5 business days. Out of money for damn near a week for me to have credit card money avail and also to get my refund back. Customer service is horrible, corporate if there even is one, is disgusting. I wish I had never signed up for this mailing offer. This place is disgusting and are slimy ** out to hurt consumers. They don't help credit and the customer service is trash and they are a bunch of foreign racists.

I have a credit card with Capital One. Credit One sent me a letter telling me that I was approved on getting a higher limit for my card. Being stupid, I misread the name and thought it was Capital One sending me this letter. I then proceeded to apply for this new card and when I got it, I activated it without thinking. Ten minutes later, I realized that it was Credit One I applied for and that there were hidden annual fees that were hard to spot at first. I was fuming and confused.

This is the worst Credit Card Ever. They sent me a card with $300 balance. Took $75.00 in the beginning. I never applied, signed anything saying I wanted this card. This Company is a fraud. Asked me to send them a letter from my bank to get confirmed verification that the account mine. After I paid the $75.00 because I don't want to mess my credit up they temporary suspend my account until they receive the letter from my Personal Bank Account. My banker said they never heard of this Credit Card and be careful because they maybe FRAUD.

Thieves preying on innocent people. No access to customer service, set off all the red flags. Scam. DO NOT GET THIS CARD. A $75 ANNUAL fee, which is hidden when you apply. Waste of time. Trying to cancel. No customer service. No way to do it online or on the phone. SCAM SCAM SCAM.

I don't think I have EVER had a good experience with this card. It was my first time on my own and I racked up a lot of credit cards just to pay bills and I was desperate, so, I applied for this card. First encounter with them... I learned that you could change your payment date, so I did. I got a call about a week later saying that my first payment was missed. I apologized and said I'd make it as soon as I can. Realizing that I changed the payment date so I shouldn't have "missed" it, I called back and explained that. I got a very rude rep and he said that the change doesn't take effect til the next billing cycle. Well I had changed my payment date either online or through the automated system (can't remember which) and they said nothing about that.

The fees are high for this card. I had it for two years, paid the high annual fees, and I think I may have used to card two or three times and paid the balance as soon at it posted to my account due to the non-existent grace period. I always refused the credit limit increases due to the cost (typically $24.99 for a couple hundred extra dollars), however, I do remember once that they automatically increased it without my having to pay for it and they did not charge my account.

The reason I applied for this CC was because it was one of the only card I qualified for at the time and I needed credit in order to get my score back up. Credit One gave me a credit card but one with a low limit and at a huge cost. I had this CC for almost 2 years and it was a hallelujah day when I finally shredded it. Starting off they charged me an annual $75 fee. After one year the cost to own this card goes up to $99 or $8.25 per month. To get my score up I researched and read that I should not charge more than 30% of my limit. This meant I could not charge more than $180 per month on my Credit One CC.

They don't have auto payment and even if you do pay on time, they notify you that it will take up to a week to post the payment unless you pay an extra $9 express payment fee - each time you pay. They charge a monthly fee. They constantly offer you "credit increases" - $75 fee for each $125 "increase". You have to decline these scam offers each time you log into your account.

I have had this card for eight years, I used it in the beginning, ($1000 credit line), but now I have a much higher credit score (721) and I don't need it. I have paid $8.25 for a $0 balance on this card for 6 years. My credit available on this card is $3275. Each time you raise your credit line, you pay a large fee to do so. I have never in my life added an authorized user to a credit card account. Today, I went in to pay my $8.25 fee and I noticed that there was an authorized user charge for $19.00. I called them immediately and someone had changed my address and ordered a new card to their address.

They sent me a card. We don’t have any credit cards but after comparing to another offer from another company I decided to get the card as I have a lot of medical due to leukemia and another mass now. I thought I could use this when needed then pay off. There wasn’t an annual fee anywhere I saw. And the other offer had one. So again I chose this one. I get a statement last week. Not due til April. Today I get a call and when I call back I am over my limit. I was so upset because I knew exactly what I spent. I got customer service and was told my payment was due yesterday and a late fee was applied plus 75$ annual fee. I was horrified. Still am. I argued with the person who was rude and would not listen and will not close the account. I wish I had read all the reviews on this horrible company. It seems a scam. I have no idea how I am going to pay the late and annual fee and get this closed. So so sick and upset.

Ok, how is it that anyone can steal our cards, make thousands of dollars worth of charges, change the address on the billing statement, but when I call to report it, "Nope... Sorry, have your husband call." So, today, I look again, not only have the fraudulent charges on the first card not been resolved, but the scammers were able to open a NEW card in our name, again, charging all kinds of money on this new card. How is this okay? We don't live in FLA; haven't been to FLA, and these charges are all from FLA. Unreal, they are horrible, but they allow bogus people to use our card, then open a new one when the old one stopped working, ughhh.

Can someone tell me how I can close the account? I’m calling to customer service but is not helping. They charged me 75$ per year/after they will charge 8$/per month, I don’t need this card. Can someone help me where to call/write? Thank you.

They would not accept my payments and charged me for late fees. Customer service was very rude and impolite. They were not able to answer my questions over the phone and kept telling me to send a letter instead. My credit has dropped drastically because of them. And have never had issues with payments with my other credit cards.

Paid off card in full three months ago. Wanted to build up my credit, cut up card and kept account open. I was alerted today via email that I had an outstanding balance and contacted Credit One. They stated that I was charged an $8 service fee (for a 0 balance account) a month followed by a late charge and then interest which added up to $111.61. After I finished laughing, I was told that I could make an express payment for $9!! I feel that I had no choice but to pay it. Probably my fault for thinking it was as easy. I was transferred three times in total for this transaction. I asked them to CLOSE this account and send me confirmation in the mail. DON'T get this card no matter how good it appears to be - you WILL be paying it off until you die and interest charges are ridiculously high.

This card is horrible. I make payments double the minimum amount every single month, but yet I have no money on my card ever. I have sought legal advice because this card is a rip-off. They charge an annual 8$ fee monthly! I'm pretty sure annual means we should not be charged monthly. I have called numerous times to cancel the card due to not being able to ever get ahead on this card. I was told I was not allowed to cancel my card until the full balance was paid off, and even when I offered to pay the full balance, I was told I could not cancel until after the payment posted, meaning they needed to charge me more money before canceling the card.

They screwed my credit score and refused to correct it. I had two accounts and they closed one due to inactivity. I begged them to keep the account open. They refused. Later I found out that the account was open and there was a 5 dollar annual fee. This turned into 2 late payments drastically affecting my credit score. Over 5 bucks. I asked them to listen to my calls to customer service when their employee told me the account was closed. I lost the appeal and now I'm screwed. Their customer service are based in India and give zero **...

I've had this account for 3 yrs never had a problem. What I do is take paper statements. I try to run a credit with them no interest to pay in June. I'll have a 45 dollar fee. As of right now I have a 27 dollar credit so this month I'll pay 19 dollars. So, when the fee posts they can't charge interest. I started with a 500 limit and now I'm up to 1700 limit. Never paying for limits. It worked for me.

Too many unexpected fees. I just made a payment and no money in my account and they posted my next payment to be made already. No statement either. I am really being ripped off now. I'm worried if I cancel they'll take all my money out of my bank.

A few months ago I received a card from Credit One Bank. I was so happy they issued me a card. I started using it and making my payments. I made a payment last month for the minim. After I clicked to send I realized I sent a full payment. I call their customer service and try to get all straightened out. What a joke!!! The person has a thick accent and hard to understand. I ask for the return of my money minus the monthly amount I owe. Told I can't have any help with the matter. We go back and forth for 5 minutes. Then I am told if I wait later I can get a check back from Credit One. Then when he sees he can't help I am referred to another man with the same thick accent and we go round and round and then he hangs up on me. So I decide if they take the full payment I won't have any money for 3 weeks until payday. So I try one more time and I got the same treatment. I gave up and had my bank stop their payment.

I'm a Computer Programmer. "Credit One" deliberately denies specific users access to their website at specific times, and literally LIES stating that they are entering the wrong username or password when they are not. This is apparently done in an attempt to prevent users who have a history of paying their bills early access in an attempt to try to force the users to pay late in hopes that Credit One can garner late fees. DO NOT DO BUSINESS WITH THIS INSTITUTION.

Well I called Credit One Bank and told them that I didn't open a credit card and wanted removed from my credit report. They didn't believe me and they that it was me. It's about almost 800.00 dollars rang up on the card. I was so pissed off and now I have this on my credit.

I have never been late on any payments and when I called to get a late fee waived because they sent my payment back that I had paid on time the lady on customer service was rude and I was told I would never have a late waived again and next time "pay on time" when clearly I did! Bad service, people, and too much hassle!

This is the worst credit card I had in my life to say the least!!! This company charges 35.00 on your account if you're two days late from your due date. On top of that they charge you a fee to even activate the card. The customer service is horrible and no one cares be about how they're treating people. It's a disgrace. I've had this card since Nov 2017 for 300.00. Have made several of payments use the card one time and I still have a balance of 295.00. I hate this company and when I'm done paying this card off I'm done with this company. I would not recommend or advise anyone anyone be to get this card. They're full of crap.

If you are looking for a credit card company do not use Credit One. I've paid 3 weeks early for years. But, if you are within a week before payment is due; they excessively call you over and over and over though it's still NOT due yet. They call from random local phone numbers and no one speaks English on the other end. Lately, I paid off 2 credit cards with 2 payments, they applied both payments to 1 credit card. Common sense would say, 2 credit cards, 2 in full payments received. It's been a week since their mistake and I called several times to get the payment moved over correctly. They say "it takes awhile, may take 7days or more". They do this on purpose as interest incurs. Do not expect anything good out of this company everything cost, additional cards, additional users to your account, credit line increases are not free. Do not expect an apology for their mistake either.

On three occasions, I have paid on my credit card account through the bank's website on or before the due date, only to be called a week later and told my payment is late. This makes me believe that the website is faulty. After three times however, I cannot help but think the site is faulty by design to scam users out of late fees. Since the first time it happened, I have saved every confirmation page after my payment, yet the payment never clears my bank account and there seems to be little to no recourse. I am baffled at how any company can get away with this.