Credit One Bank Reviews

So I had gotten my tax returns and wanted to pay off as many credit cards as possible, because I want to close a couple of them. So I made a second payment to completely pay off my Credit One Bank Visa and now I have to wait to verify my bank information again, it's the silliest thing I have ever heard. I made two back to back payments to Capital One and that card is now paid off, no re-verification needed, but for some reason I have to wait 1-5 days to re-verify with Credit One Bank. Now I have a full payment sitting in limbo and can't cancel the card or pay with debit because the payment shows as pending and I don't want to double pay. I have attached the email received.

I opened this account because I didn't pay attention enough to the name on the envelope. I thought I was opening a Capital One card. My fault in the reading, but I HIGHLY recommend to NEVER get a credit card through this bank. My limit was not very high to start out with. I can't get a higher credit amount for stupid reason, Like I do not make enough for their standards. My three other credit cards are all well over 1000$ for limits and Always extend my credit if asked. Credit One won't extend my credit limit past 400.

I have tried to cancel this card for 8 months. I basically used the card once when I first received it--- er that I never used it. Had it just as an extra emergency card. They kept charging me fees- double billing cycles. When I tried to cancel the first time they basically blackmailed me with - "You won't have to pay the high fee if you keep your card." It was so frustrating. Still never used the card. After 7 months they charged me a fee again. I called and after 30 minutes of arguing they finally cancelled my card --- I hope --- I just got off the phone with them!

I asked for a credit increase. They denied me based on the following information credit amount, and too many current credit inquiries but they tell you that they will look at your paying standing with them. If I would known this I would have not have gotten this card.

I requested this Credit One credit card on the advice of Credit Karma as it was suggested it would increase my credit score. The initial card fee was $35.00 and then the first billing they charged $70.00 bogus fees and I had not even purchased anything. I called the company and they gave me a very hard time trying to close the account, I had to speak to four different people and I told them I would be placing a formal complaint against them. At this point the account is still not closed. I have also advised Credit Karma they are giving bad advice to consumers.

I had a Credit One card from July 2017 to January 2018. I never had any problems with payments, etc. Card was always paid on time and payment posted to my account within a day or so. I decided to pay my balance in full last month and close my account. After my payment posted, I received notification that they added a credit to my account. It was half of the annual fee back since I didn't keep my card a full year. I called and they said they will be sending a check to me for my refund. A month later, NOTHING!!! I have called twice. The people speak horrible English. The first person hung up on me, and the second one pretended to check on my check for me and placed me on hold... After being on hold for 20 minutes I hung up. This is the worst company ever. I want my money back but they are thieves.

I just got the card in the mail on Saturday, Feb 17th. My husband is disabled and I am his unpaid caregiver. I needed to pick up prescriptions and pay medical bills. My credit limit was $300.00. I just called today to find out my due date. They told me it was yesterday (Monday, Feb. 19th), and I am over limit. It seems there was a $75.00 annual fee taken off the top of my available credit. So now I am over limit and late 3 days after I received the card. I got this card to help me out, but now I just have more problems. SMH.

I will be filing a lawsuit based on their illegal activity of double cycle billing. I opened this account in Dec 2017 basically for my son to have a card if needed when not with me. I paid the Dec, opening account balance prior to the due date in Jan. I paid the Jan balance on Feb 5, prior to the Feb 13 due date yet, they still charged interest for Jan charges. I called today to cancel the card, same issue as everyone else on here with them not wanting to cancel card. Finally the supervisor after arguing with him for 23 minutes said he would close the card. Then I log on to pay the balance off which the due date for is not until March 13 and it tells me that I am not allowed to make a payment at this time as I have made four payments in a 30 day period, which I have not done.

I opened this card cause my credit was down. Now I want to close it. Sounds from this site that you need to talk to BBB. I will do this tomorrow. You try to do the right thing and you get screwed. I see a long road ahead. Thank you to people who have opened my blind eyes. My credit sucks as it is from ID theft. I feel I should give up. But NO. I will fight. This is America. This company is legal???

I should never have opened account with this company, just like other complaints on here I had trouble closing my account. They would keep harassing me with phone calls if I missed payment. Funny thing is I sent out REGULAR payment, and they said they have not received my payment. (Which I sent it out a week before.) Then they told me that regular payment takes not 7 days but 7-10 business day. What a joke, it seems like they want that $9.95 fee so you use express pay. Garbage company.

Ironically after I told the representative that I felt I was being scammed (after multiple calls to the company & talking with different reps) they finally fixed my online access. After reading the reviews I will no longer make a credit card payment online. I will mail it in!

Very concerned that my request to close the account dragged on for almost a year, incurring charges and ultimately affecting my credit report. When I called to discuss this, it was not appropriately handled.

Credit One Card created 2 types of payments: Express Payment with a $9.95 fee. Standard Payment: Customers can pay by debit card or credit card and it takes 7 days for this type of payment to be credited??? This is the way to rip off customers since any payment by Credit card or debit card do not take 7 days to be credited?? I will close my account soon with this ripoff businesses.

Online would never work so I could make a payment. Now I'm in collections since payment never got there on time. Late fee after late fee I'm on a fixed income couldn't afford. It so now I'm screwed in collections.

I called to close my account with Credit One on 1/26/18. I asked that they give me confirmation upon closure of my account with them...they refused. They said they don’t give out confirmation or reference numbers. I told him I needed something in writing but he kept putting me on hold a couple of times to come back with the same answer. It was a real waste of my time as I spent an hour arguing back and forth with him and telling him I know my rights as a consumer. The guy I was speaking to said his name was “Jeffrey” (hmmm...he was speaking really fast and it was hard to understand him as he sounded foreign without good English speaking skills). I asked him to slowly spell his name...he spelled it as I spelled it above. I am lost for words.

It's 2018. This bank operates like it's run by the North Koreans in 1950. This bank operates solely as "No", "No, we have no customer service." "No, we can't do that." "No, we don't do that." "No, we can't help you." And YES, we can charge you up the ass, take your money and treat you like **. Absolutely HATE this company. Hate the way they don't have a simple way to extract the statements to CSV. They don't shake hands with any of the software that manages money, like Quickbooks, or Quicken. I wouldn't be surprised if tattooed to each of their employees is "No, I don't help anyone and customer service is a country far far away, I've never been and never want to go." This is the WORST credit card to own.

I got this card at a stressful point in my life, and thought it was another bank. I have had similar experiences to everyone else complaints. I had an annual fee that I knew nothing about. They started charging me monthly without my consent. They offered to increase my credit if I paid them $250 (to which I said "no!") and they just transferred me when I wanted to close my account. I told them I would get an attorney, and then they told me they couldn't close my account until they had a letter from the attorney. I got them to supposedly close it, but they said they wouldn't send me a letter confirming unless they had a letter from an attorney.

Ridiculously high interest card. Charges annual and monthly fees regardless if you have used the card at all. Credit One also conveniently neglects to tell you that they have charged any fees until it becomes late, at which point they call you immediately and several times a day. It's difficult to talk to a person and when you finally do it's some call center in India. When you ask to cancel your card they just start spouting off ** offers to keep it open and will talk over you while doing so. When I finally told them I don't care about their offers and I wanted to cancel my account immediately, they just said it was canceled and then hung up...so now I get to see if it was actually canceled or if they are going to try to charge more ** fees.

I requested a credit card after losing my original. No card was posted to me. However interest and charges for a new card were added to my account. I would like a refund. However there is no way to phone the place to query this matter.

Credit One incorrectly marked a charge as fraudulent on 12/9/17 and has not corrected the error causing a major issue with the merchant. On 11/20/17 I made a purchase for with a vendor using my Credit One credit card. The purchase went through fine. A few days later I realized that also on 11/20 there were 6 other charges made to my Credit One card that were fraudulent. I called Credit One and reported those charges. We discussed the valid purchase made that same day and I said that it was OK and did not report it as fraud.

I opened this card last year and within a week was charged with a 75 dollar annual fee. I hadn't even used the card once. Decided to pay the 75 and was charged yet again just to make the express payment. Otherwise, I would have had to wait a whole week before funds were made towards the account. Decided to call and close my account permanently. One year later I get a call from Credit One stating that I have a past due balance. After speaking on the phone with them for an hour, both on hold, and being transferred back and forth, they were finally able to close my account again. TERRIBLE TERRIBLE TERRIBLE CUSTOMER SERVICE. To top things off you can’t understand a word any of them are saying. DO NOT open an account with them!!!

My wife got a letter from this bank offering a credit card and my wife believed that this was from Capital One because its logo is pretty similar. By mistake my wife applied believing that this was Capital One. Next month she got a new letter charging her $75 for a membership that never was notified. Do not be unwary. This is a very fraudulent offer.

Credit One Bank is very slow on customer service because of foreign speaking workers. They also at time when you're trying to pay on your account online block your usage. I reported them to IC3 because they want to charge a yearly charge and make you pay a late payment when you don't even own any money on your balance. LifeLock acts stupid when you call them and disconnect you on the phone. Acct: ** ref: http://www.creditonebank.com. Also, sometimes their website is being blocked by foreigners... They want your Social Security number when you get a call from them...

Impossible to talk to a person. Paid credit card bill, said I was late. Finally found a way to get thru. Late payment was reversed. Was told payment should be made 7 days ahead so it would post. Doesn't make sense because when I schedule a payment it’s always out of my bank the next day. Now they say I'm over my limit, but I'm not. Phone system is down today for service. Don't get this card. I did it to build my credit which it had done in the beginning. Would close it but don't want to hurt my score. Maybe Wells Fargo owns this.

My sister in law saw a double payment on her account last year. She called them immediately to have one of the payments reversed, and the money returned to her checking account. Simple, right? Ahhh, no. The extra payment was reversed, and the money returned to her. In the meantime, THEY had reported a duplicate payment as fraud (yes, you read that right. A fraudulent PAYMENT). So they closed first account and issued new card, number account and all that.

Buyer BEWARE! This card will charge you to make a payment faster than 7 days and nickel and dimes you to death. There's also no easy way to get a human customer service person for anything. Frankly... I am sorry I ever got this card. Why should I pay an additional $9 to do a 2-day payment processing and why if I pay a few days before my due date am I held up for 7 days then charge a late fee for them holding my payment when it leaves my bank the day after I pay it. This is VERY BAD business.

I paid off my card every month, had them for two years. At the time I had no choice because of a bankruptcy and they took full advantage of that. So the fee was annoying but I needed a card to build my credit so I thought. Not only did they charge that fee, I figured out after researching further I learned they charge interest multiple times a month, they drag their feet on processing fraud charges to ensure they can charge interest on those amounts, they also charge fees on those charges as well. They take over 30 days, actually more like 90 days to put any fraud charges back on your card. I realized that when I was being charged 100's of dollars on my card even with paying them off every month.

How can a credit card company/bank not have a workable website to make payments to. Their website never loads and they try and force you into calling and making an express payment for $9.95. Can never get through to an actual representative. Automated phone service directs you to a website that DOESN'T WORK.

I had no idea that this credit card was for "high risk" borrowers or those without credit. I am a Canadian living in California and they sent me offer after offer to sign up, and I wanted my own independence from living off of my husband, so I took the bait. I also signed up for paperless billing right away. This company never emailed me a statement in the 3 months I was with them. Therefore, I never thought of them. However, they started calling me incessantly recently, and I took the latest call. They told me I owed $118.93. I told them I had never used the card before, and in a quizzical manner asked how I could possibly owe that. They said this was the activation fee and then subsequent late fees for not paying the activation fee, as well as a fee for the "pretty" design of the card I chose. I told them that they never informed me upon signing up that there were any such fees associated with opening an account.

Two years ago I reported my card lost/stolen. They said they would send me a new card, they never did. I repeated the process of calling to report lost/stolen several times. They keep charging me interest and late fees on a card I don't have plus the yearly fee to just have the card. EVERY TIME you call, you wait on hold, get transferred. No one helps. I've had the same conversation with them for TWO YEARS. No idea how I will ever get this card closed or resolved. Seriously. They are the worst experience I've ever had.

Months ago I paid the entire balance on my Credit One Credit Card Account. It has taken months to pay off additional interest and other fees. I have not received any bills in the mail for months but received a call from a representative this weekend advising that I owe over $50.00. No purchases have been made since Nov and those were paid in full. Apparently there was .51 in interest. I now owe them over $60.00. I paid this just to get rid of these legalized CROOKS. Although I closed this account months ago, I am still being charge a monthly fee. My interest rate is 24%. Stay away from Credit One Credit Card Account. How have we allowed banks to do this to the American public? This is an outrage.

Just like all the other reviews. Stay away from this credit card. I have had this card over 3 years and unbeknownst to me another application was submitted using a different address. That account was not opened which is great but they have not blocked my current card for access. They want me to send in documentation when I called them though payments have always been made on time. They are refusing payments over the phone and on my due date will be late because they are saying you have to mail in the payment knowing it’s due today. They are a bunch of thieves and told them to eat the balance. This is how they treat good clients. STAY AWAY from them.

I have tried for days to log into their website and it will not open, I have read many other people are having the same problem. I don't know what to do. I just want to pay off my card and close it immediately. They have reported falsely late payments and ruined my credit as well. Something must be done.

Receive card about a month ago and so far I've had problems with trying to login to my account, I've called customer service several times and they are absolutely no help at all. They are trying to make me pay over the phone and charge me the Express payment. They keep calling about 5 or more times a day. My payment due date is today and yet I've been receiving phone calls for the past 2 weeks. Still with no success to log in to my account, customer service is being rude and unable to help. I strongly suggest to stay away from this credit card to Avoid the headaches and stress caused by them.

This credit card company makes it difficult to pay online. Their website or app is either corrupted or doesn't load and when you attempt to pay it does not allow you to do. You are then forced to make an express payment over the phone which costs 9.00 extra to do. This is also where they can collect on late fees if you are unable to access the site online. I called customer service to make a payment and complain that the website had been down and asked why there isn't an option to make a standard payment and only an express payment over the phone, they stated that can only be done with the online option. I explained that the website has been down. I have attempted 4-5 times in last month. They stated there was nothing wrong with the website. This credit card company is corrupt, steer clear. I have read reviews where others have had difficulty accessing the website to manage their account also.

I hate this card. Their website is always down. When I call in every month to make my payment, I demand that I do not get charged a $9.95 fee because it's not my fault their site never works. Although my credit report always shows I am in good standing with them, they never update the balance with the 3 major credit bureaus. I'm so over this card. My account is getting shut down as soon as it's paid off, which by the way, I have no idea what my balance even is since I can't get into their website. This card is trash. I'm going to write them a certified letter when I shut it down and if that doesn't work I'm contacting my lawyer. I don't see how this place hasn't been investigated for fraud yet by the Attorney General. Obviously, we aren't just a bunch of complainers, when everyone on here, including myself, are saying the same thing about this place.

While I have not had the issues of being charged for late payments, or creditor calling me every day due to late payments as I have had my account paid online on time every month for a year, I was never offered a Credit line increase until very recently. So what was my reward for on time payments, Double the minimum payment every month? An offer of credit line increase of $250 for a fee of 14.95. That is a 6% fee just to get an increase. It appears that this bank thinks that just because I have had poor credit in the past that I am incapable of thinking for myself when it comes to sound Financial decision. They offer you credit to “HELP” rebuild your credit file with the intention of milking you for every cent you have. Please DO NOT consider getting this card and be wishing you had not. There have to be better credit card programs to help you, and not be only after your money.

We received this card and wanted to build credit, I have been trying to make a payment and have been unable to and now the payment is late. Their customer service does not allow you to speak to a human, it is all automated. They do not offer to make a payment over the phone unless you do an "express payment" which will cost you an additional $9.95 and you have to use another credit card to pay it. When you click on their customer service link on their website, the page is blank and doesn't ever load. I don't even know where to go from here to pay it, we did not receive a bill in the mail for it because we chose paperless billing when we initially signed up. Naturally that part of their website works just fine. How is it legal for a company to have a credit card and have no way to speak to a person, how do you report fraudulent charges or if you have problems there's no way to solve them. Just totally ridiculous.

First of all, how does this "Bank" even exist? My husband and I each have a card. When my husband mailed in his very first payment it came back to him with a sticker on it saying "This address does not exist". It was the address printed on the bill. So how could it be wrong? I called them and right off the bat I said "what's the deal here?". So the man I spoke to (which, no offense) I could hardly understand because of his strong accent. Said I can pay the bill on the phone for a fee. I immediately spoke up to him and said "why should I have to pay a fee when the bill went directly to you and you people sent it back?" So I didn't have to pay the fee. Guess I got lucky that day.

About two months ago I made my payment to this credit card company and they charged my bank card an extra two payments! This error they made threw my budget off balance. I kept calling them then finally on the third day I explained it to her and she apologized for the error. The following month I was told to make payment through mail and always paid them on time, not only did they closed the account they place a negative remark on my credit, hurting my score. The government should really look into it. This is truly a nightmare.

DEAR GOD!!! Pray that you never have to dispute a transaction with Credit One. WHEN I FINALLY got ahold of an agent, he SPOKE ABSOLUTELY horrible English. OMG come on now... Then after finally getting to the point of what was going on with my acct. He only said, "I am so sorry we get this fixed for you..." UGHHH then proceeds to tell me that I will have to write some dumb letter telling them why I want to dispute this. ARE YOU KIDDING ME??? Is that not your job to listen to me and dispute it??? So I TRY TO GET THE ADDRESS but of course could not understand him after he repeated himself about 3 times. He then told me, "I'M SORRY I CAN'T HELP YOU if you cannot understand me!!!" I then asked to speak to another rep and he actually told me NO!!! THEN HE HUNG UP... BEWARE!!! Still not sure what to do now...

Got this card and was excited as my credit wasn’t the best. I called to ask if they would waive the fee as this was my first time using them. They refused. Okay sure worth a try. The 35 dollar late fee is ridiculous as it gets added if the payment isn’t processed by the date. Why does it take them over a week to process a payment? Second if you are even a day late they call you every hour on the hour to try and get a payment out of you. It has gotten to the point where I block every single number I know is them. As far as the on phone processing fee (10.00), if you tell them you aren’t paying a fee they waive it. Just a heads up for others who have this card! I will be canceling as soon as my balance is paid off, which with all the fees won’t be soon enough.

I called Customer Service to make a payment on my account about 1 day before it was due; usually do this online, but for some reason the website wasn't coming up. So I called to make payment; I usually do a standard payment which is no charge. I was informed that my payment would include the express payment fee and I specifically told the moron of the representative; which by the way she was completely rude that I didn't want to make the express payment -- just wanted to do a standard payment. She tells me in a rude manner that I couldn't do that over the phone; I told her the problem I was having with the website and she said something -- which I can't remember -- but it was demeaning to me!

I have been trying to access the website for 3 days now. I called customer service which is in India of course. Luckily after waiting 20 minutes, I talked to a rep who wasn't from backwoods, East ** India. They said turn off ad blocker, clear the cookies and use a different browser other than Google or Explorer. It's still not working. I want access to my bill. After reading the reviews online, I'm very concerned they are trying to limit access to create revenue from late fees. If I can't get some satisfaction by the middle of the week, I will be speaking to the Attorney General's office.

I’ve had this card less than 2 weeks and purchased one thing on it. I kept trying to pay it off right away but the payment never posted however they reported to the credit bureaus that I didn’t pay which dropped my credit score by 35 points. I was absolutely furious as I pay all my credit cards off in full every month. Received a bill that said payment was due on the 1st for an amount of $45 which I’ve been trying to pay. They sent this over to the bureaus on 12/23/2017. I received the card on 12/15/17. When I called to ask why they would send that over when the payment isn’t posted and I can’t pay they hung up on me. Which pissed me off. I called back asked for a supervisor who spoke no English.

If I could give them a 0 I would. First they canceled my online access because they had a trouble processing my on time in full payment, then it happened again! When I called they said that I had to send a verification of the bank account number by going to my bank and having them send a letter that the checking account was mine. I refused, so they closed my account. I paid my card in full every single month and was a good customer, but they are a terrible credit card company, and I am really glad I don't have to ever deal with them again.

Let's be honest, this card is designed to hook people with low to no credit histories. Bottom line. It's the same reason I was approved for this card so don't feel bad if it's the best you can do right now. However, this company is a giant scam. Their customer service is deplorable, their website often doesn't reflect current information (good luck calling them to try and have this corrected), the app... Well that's just a joke, oh and for the love of God. PLEASE check your balance even if you've paid off your card in full because they will try and trap you with late fees if you are not careful. Credit increases appear to cost you 10% of the credit line increase being offered (at least for me it seemed to average out that way). In short, if you are going to go with this card, make sure to monitor your account because they do NOT have your best interest at heart.

Received a $300 credit card. They took half the credit up front as fees. Today, they called at 7am. They call non stop all hours of the day. It's super harassing and stressful. No boundaries at all. Rather take a ding on my credit, than deal with this any further.

I opened this account with a score in the high 700s, was approved and they started calling me 20+ times each day a week before my due date demanding a payment, they are rude on the phone and clearly don't care about their customers. Their goal seems be to suck in and cheat as much money as possible from low income families who already struggle.

I've had a $0 balance for about a year. They started adding 1/12 of my yearly device fee onto my monthly statement. I pay it. This month, I sent my $8.33 check out on the 11th, for a due date on the 23rd. They didn't cash it, and added a late fee. It may be plausible to be late if my check went out a couple days before the due date, but not 11 or 12 days. It is incredibly hard to get someone on the phone, and the customer service is terrible. I'm closing my account as soon as they remove the charges, as promised. This company is garbage, and they prey on people. Beware.

This bank is the highest rates I have ever seen and there are charges given to an account even when the card is no longer being used and is paid in full. They spam mail you with offers about "pay us $25.00 fee now and we will extend your credit". If you come across them walk away or pay forever and get nothing in return but hassles! I have wanted to finish paying on my account and close it but the website has been down for around 2 weeks. Horrible company and no customer relation whatsoever.

They won't give me a credit line increase and my FICO score is 828. I am sitting at a $900 credit limit and my credit limits with other banks are from $5,000 to $28,000. I would close this account but it is my oldest credit card so it would hurt me to close it.

Credit One is an absolutely horrid company. I accepted their offer when I was younger, and I deeply regret it, because it's nearly impossible to close your account with them. You need a lawyer or another agency to ensure your card is closed by having both written and oral confirmation, multiple copies, all signed in triplicate. Google "how to close a credit one account" and see the horror stories for yourself. It takes several months to happen.

When you pay your OWN BILL ON TIME you are charged $9.99 for each month that you pay your bill by phone. If you send it by mail they're apt to charge you also a $35.00 late fee. I sent my payment in to them by mail 10-12 days prior to payment being due. They're very slow to process your payment or they are probably stalling to get the extra $35.00. (My best guess)… They also CHARGE YOU $19.99 to add to your credit limit, & they keep trying to get me to accept a credit line increase. I won't add a credit increase due to their policies. They're not FOR YOU. They're for themselves, believe the term to best be used for them - GREED!!!

I have been a cardholder for a while. A few things that are not so great: the website is NOT user friendly or easy to understand the information (I check my account regularly. Will not see a payment due yet somehow I get a late payment warning and late fees), the only way to contact for help is via phone. No email or chat and if you have to call be prepared for a wait and when you do get through frustration trying to pull out any competence from who you are speaking to, interest rates are high. If closing it didn't impact my credit score I would have already.

On two occasions, a week apart, they withdrew funds from my bank account for payments without my authorization. A year prior, I notified them of fraudulent charges. Their researches showed that it was done via a PayPal account in Spain (I live in US) that was not mine. I followed up with them and they ignored me. They never corrected the charges. Instead, I was charged a fee for a new card. Do not do business with them. You will regret it. They should be out of business.

I have a Credit One card account, I made my usual payment on Dec. 1st. On Dec. 13 They drained my bank account without my approval. When I tried to contact them all I got were foreign offices and dropped calls. Every time I asked to speak with an office located in the United States, I was denied. I feel uncomfortable giving my personal information to offices outside the United States.

You can't get in touch with them most of the time. And you can't email them or do an online chat with them. They sometimes answer when you call but sometimes not even a recording, it just rings. Something definitely wrong with this company. The customer service representatives don't even sound trained.

Platinum Visa - This is absolutely the worst card to apply for. I wish I would have done research before I applied. There’s no way to get in contact with an actual human being. I have a charge on my account for something that I didn’t purchase and now my account is negative. I’m gonna pay this off and close my account asap.

The worst experience in my credit history has been dealing with Credit One Bank (AKA Capital One). As a customer, I was mislead what my annual fee would and did not realize for the past 3 years I was being charged 3 times as much as to what I agreed to upon agreeing to accept the credit card, which of course was spread out and billed each month. When I contacted customer service to explain the issue and requested the difference back, they said they were not able to credit back to my card because I had zero balance. They should change their name to "CUSTOMER NON-SERVICE".

They make their policies very unclear and then are very underhanded in explaining them - if they can explain them at all, I was able to tell the representative more about the user end of their website than he was able to understand. Example, it says you can change your due date as long as you are within 5 business days of your current due date. So, my due date was on the 5th, and on the 29th of the month before, I changed the due date to the 15th. A green check mark appeared in my online settings and said changed. No other information was displayed or emailed/texted to me (I'm on paperless settings, so I would not think I would receive anything postal mail).

The right arm doesn't know what the left arm is doing. Their customer service is non-existent. They sent my card to the wrong address FOUR TIMES & their website when wanting to review my statement is mostly unavailable. Just the most FRUSTRATING ORGANIZATION TO DEAL WITH. Will pay this off & be done with them to save me the angst their card is causing me.

I have had a Credit One Visa for 2 years. I started with a 250 credit limit. I immediately up an online account which was challenging. Upon successfully completing the setup I linked my bank account. This was all in the first 2 days of being approved. I have been using and paying the bill online since approval and to date have had 1 issue with their site being down. I always pay early so this was not a problem, I was still able to pay by the due date. After about 4 months I received a modest Credit increase, then another in a few more months, and again several months later. At some point the yearly fee was changed to a monthly fee which almost made me late as I had a zero balance but was charged the monthly fee that I was unaware of.

I've had a Credit One card for years so I know how they roll. They charge me 8.50 a month just to carry the darn thing. So like a fool I fell for their latest scam. I got a offer for a second account. Offering no fee for a year. Man o man was I scammed... They just congratulated me when I called questioning why they charged me 60 bucks for a card that was supposed to be fee free. Here’s what I was told… “Congrats instead of paying once a month we charged you the whole 60. See now you don't owe us again for a year.” WOW wasn't that just so nice of them? BEWARE! That no fee scam offer they are sending out is a lie. Also if you accept it remember they are still charging you that 60 bucks whether you use the card or toss it in a drawer for a rainy day. So don't forget to make a payment on that no fee for a year card. Pure and simple entrapment.

I applied for the Credit One card because I thought it was a Capitol One card. They requested I send them a copy of my social security card and driver's license. I wasn't comfortable sending a those over the internet. So I decided to do a little research on the company and it didn't look good. So I never sent the stuff they requested and I never received or activated any card. BUT THEY STILL BILLED ME! Claiming I owe them $100. I've called several times and they say they'll take care of it. But they never do. It just accrues more late fees. Last call today they told me to call back later. This company is a sham. I recommend don't even fill out an application because you will be billed for it. I don't understand how it's even legal to do what they do to people.

I am absolutely not able to speak with anyone from the company. There are 7 numbers listed, and none of them ever being answered. No email whatsoever. What's wrong with simple communication with the customers!

Received the Card and did not activate the card till 11/5/17. As of 11/28/17 they are telling me I'm 11 days late on my first payment. I have been unable to sign up on the website. It is never working. When you call to speak to a representative it hangs up on you. They tell me they mailed me my statement and I have still not received one. They tell me they emailed my statement but I am unable to view it because it won't let me create an account. They want to charge me a $25.00 late fee and $9.95 to pay over the phone since it looks like they make it impossible to pay your bill any other way. THEY NEED TO BE INVESTIGATED AND SHUT DOWN!!!

Wish I could give them a zero! They call up to 10 times a day! Their fake card does not work. I called a couple months ago to cancel. They tried shaking me down for $138.50. Claiming annual fee plus service charges. Talked to some incompetent foreigners who shunted me to another supervisor who was foreign. Wasted almost an hour. They want your last 4 digits of your SS #. Supposedly cancelled and foreign guy would waive/drop all charges. Yea right! For past few weeks getting calls from my local area code. They don't leave messages. Answered today to get this resolved. Foreign dude named ARSON; Can't make this stuff up, tried shaking me down for same $138.50! Told him not paying. I already cancelled. He then threw me on hold with bad 80's music! Holding for supervisor. Of course supervisor line busy. So Arson gives me number to call with Pacific time hours. Asked Arson to e-mail me number. They can't do that. STAY AWAY!!!

Every month my account gets further and further behind. I had to make only the minimum payment on the account due to some money problems I was having because of a mistake with paperwork the state made and it's taken me 3 months to fix it. Now my account with Credit One bank is almost $200 over my credit limit. How are you suppose to pay off a card when you're obviously getting overcharged fees every month. Also whenever you make a payment with your debit card they charge you $10 just to make a payment? That's an extra $120 a year they are charging you to pay them. How does that make any sense? I just want to shut this card off and pay the thing off.

My experience with this card was good. I paid my bill every month on time, received a credit line increase after 7 months. Also got cash back, (only 1 percent) but every little bit helps. If you pay your on time and don't bounce checks payable to them you should not have a problem. My credit score increased 52 points over 6 months.

There is no need for me to write a review, read the reviews that have been posted and believe them. To add it is the only credit card company that does not accept automatic payments (RED FLAG) and you cannot contact via email (another red flag) most likely so there is no Text/paper trail to any communication. I cannot believe that there has not been a lawsuit filed against this company. I’m sure the lawyer would be able to make some money. I have been trying to contact them for 2 days to close my account, website shows 6 different phone numbers and called all 6. Got the same menu choice on all 6 and not able to get a real person. I understand it was Friday and now Saturday but "customer service" list available hours, maybe the two employees are out to lunch?

This credit card company is an absolute nightmare! When I received the pre-approved application in the mail, their logo looked exactly like Capital One and since I was trying to rebuild credit, Capital One is a reputable place to start. Needless to say, when I received the card in the mail and took a closer look, it was NOT what I thought it was! However, I thought I would give them a try. But after I received my first statement, I realized they were charging me daily fees and interest. I paid the balance immediately and called to close the account.

My husband had applied for this card about 2 years ago when we recently moved to a new state knowing we would need a few essentials before his first paycheck. I kept receipts as I do for everything for taxes, and my own records. I attempted several times to set up online account access as to make it easier, and even called their customer service line SEVERAL times to assist in this process, but to no avail. I gave up and chose to wait for my paper statement in the mail... NO SUCH LUCK THERE EITHER. I would pay weekly on the card for what my receipts said I charged. When my husband's job came close to ending, about 6 months after receiving the card, I called and updated the address to mother-in-laws back home. After that move, and one more a month later, we still had not received a bill.

Cancelled account with balance. As soon as you cancel account you can not pay online. Must mail in payment or pay by phone with an additional 9.95 charge. Not explained when you open account. Very hard to cancel account. Would not deal with this company for anything.

I'm a customer. I'm a Credit One. I'm so disappointed to you. You guys are the worst one and is worse company of business card customer service online service. I give or I don't know how you guys couple years after. What is a problem after problem you guys don't result anything. Always charging me money for everything. Thank you for nothing. This is my rating. You are the worst one. You are the worst one.

I have tried to pay my bill on their website since I have had this card. I pay almost ALL of my bill online. You can't pay on their site! I have changed my password and username several times- no luck. I call them- you can't get a person. They want to charge you a fee to pay through their automated system. NO real person = no one to grant you a free way to pay by phone. I wish I had researched this bank ahead of time. I am going to get rid of this thorn in my side. So that is why I am posting this. I don't want others to go through what I go through each month. This is a horrible credit card.

DO NOT USE THIS COMPANY - I opened an account to establish credit. I was told that every year there is a $75 fee to have the card. Instead they started charging my card a $8 monthly fee for the use and I received NO notice. Then after a few months they demanded I pay a late fee of $35 dollar each month the $8 was not paid! I asked them why they didn't ask or notify me of the change from the one fee of $75 a year to a $8 monthly fee to have the card. They told me the contract allows them to make changes to the fee as they wish. I paid and closed the account, but I do expect more issues. The customer service is in India and they act like they don't understand English and understand what you are asking. It took several attempts to get a manager to close the account also. JUST DON'T SIGN UP!!!

THIS CARD IS BAD NEWS! From the beginning I have had so many problems. Making a payment is crap. They said payment accepted to find out later they rejected it and did not notify me so while I'm think payment done it was rejected. Then by the time I make another payment it was late and the sites are always down or suppressed??? I HAD TO GO TO MY BANK and get a letter that they were actually my bank and send it in the mail before they unfroze my account. They wouldnt let me make a payment over the phone. They just said I have to verify my bank and until they receive it in the mail they cant process my payment. They also want to charge for taking a payment. They charge $100.00 annually for a card without you knowing. I was trying to rebuild my credit and this card is actually dropping it. I was also warned it will lower my score if I close it. THIS CARD IS A FRAUD!!! RUN RUN RUN!

I am very disappointed with the way they do their business. I have 4 other credit cards and they do not charge the annual fee until the end of the first year. First year is usually free for most of the banks, but this bank just wants to take money from you from all the possible ways. I was charged the annual fee in the first month's bill itself which I believe is very unfair and unacceptable. They really need to work on this and make their business more customer oriented and customer friendly rather than just being money oriented. I am pretty sure there is more than one reason for this bank to consistently maintain a very well deserved single star rating on Consumer Affairs' web page. I would never recommend anybody to go for this bank!

Horrible service... Garbage bank. My credits score decreased up to 40 points just for opening account with this bank. I have applied credit card to make good credit score but while opening the account they do hard inquiries which affect on credit scores (TransUnion: 40, Equifax: 46). Moreover, this GARBAGE BANK charge $75 for their horrible services.

I received this credit card a few days ago. I attempted to make a online payment today and I was unable to log in. I attempted to call ALL OF THE PHONE NUMBERS listed on my card, and the website, and ALL OF THEM are saying disconnected or a busy signal. How do I prevent any serious damage to my Credit?

Lots of things wrong with this company. Their annual fee of $75 was not disclosed on the initial offer. Only four payments allowed per month. Takes 10 days for a payment to reflect in available credit.

I wish I had read the reviews here before getting this credit card from Credit One Bank. I, too, paid an enrollment fee. I didn't realize it at the time and was able to make my first payment online. I paid off the card and was going to close the account. When I called Customer Service to close the account, I spoke with someone who could barely speak English who convinced me to keep the card -- they would credit my account $25. And they upped the limit to $400. Tonight, I tried to get online to make a payment. I could not get on. I set up my online account over and over and kept getting a prompt telling me my password or username was incorrect. I had printed off the access information, so I KNOW I was using the correct username and password. And I tried both Chrome and IE.

When my mom first got her card, she hadn't used it yet and we were in the grocery store walking around when she began receiving phone calls. She finally answered it and talked to a woman for about 10 minutes with the woman telling her that her payment was past due and she needed to make a payment over the phone. When I found out what was going on I told my mom to hang up as I remembered that she had received mail from them the day before which happened to be her bill. She ended up getting off the phone and not even two minutes later the same woman called back and kept telling her the same thing. When we got home I got my mom's mail from the day before which had the envelope in it and when we opened it, it showed her payment wasn't due for another 2 weeks.

I rate Credit One Bank less than one star. They will scam you out of money and charge you a monthly and annual fee even if you never use the card. So in the long run it ended up hurting my credit score instead of helping it. I had no idea I had two separate accounts and had a late fee. So needless to say paid what I owed which was ridiculous and cancelled all accounts with this scam of a bank. You're better off not having any credit cards than having one with this outfit. Beware!

It is not good at all or transparent this card or bank. Listed several of its many deficiencies: 1- You are going to pay and they ask you for a charge to post your payments before or free and it takes 6 days... 2- For the increase of the credit they invent a rate of what they want... 3- Charge a charge of 60 usd for the mobile app and to top it off if they have annual payment and if something happens to you the payment in one day they burn the phone in calls. I do not recommend it at all, I give a star because there is no other, so it costs me what it costs me in my credit. I close it.

I spent the first 10 years of my career working for the credit card company MBNA America so I know credit card policy and customer service quite well. I can truly say this is one of the worst companies I have ever dealt with. The product is for high risk borrowers and is used as a starter or rebuilding card. They are fee happy and the APR’s are insane. I took a card at a promotion and it was a huge mistake. I have had the car for 4 years and not once have I ever been late or maxed out the credit limit. Well, this fall brought hurricane Irma to Florida and forced us into a temporary living situation for a month. We had to open a new banking account and this card and its $85 balance went 2 days past due. I called Credit One and let them know we would be paying it off as soon as the new account is set up (about a week). They said no problem and waived a late fee and said there was no payment due to November.

ON THE ADVICE OF LEGAL COUNSEL - Under the guidance of my legal representative I am presenting this document with the intention of presenting evidence in a court of law. It is unmistakably obvious that your actions regarding my account are either the result of your reckless negligence and unmitigated ignorance of how to run a company; more than likely, a well-organized, conspiratorial, fraudulent attempt to extort of funds with no moral or ethical compass and no sense of dignity or liability. I AM AN ETHICAL AND HONEST MAN!!!

I am going to stick with the facts of my issues and concerns with the Credit One Bank. On Monday, October 16, 2017 I received an email from Credit One confirming the address change to my account. Red flags, I didn't make any changes. I immediately called into Credit One Bank told them about my email I received and the address change. The representative started to review my file, she looked into a few things and also went through my charges. She indicated someone called in over the weekend and made the address change. I immediately said, "It was not me", she didn't provide me with the new address but indicated she would place a hold on my account and I needed to verify with my family member who is also on the account. I made a quick call and verified there were no changes made by us and called back and talked to another representative who went into a little more detail.

10.27.2017 it is now 11:41 AM. I have called this business over 4 times. Every single call was a new answer. The Bill is due the 24th. I had attempted to make online payment 10.23.2017 but was returned to "insufficient funds" (which I have my statements and is inaccurate on their end). But ever since August when they tried to "verify" my bank card that I have been paying with since I FIRST got this card over 2 years ago their "small deposits" were not going through to my bank (I never have this issue with any other credit cards I have or any issues with my bank). The 25th was not my first time calling in and making an over the phone payment. When I do complain they wave the fee. You would think ever since they've been "trying to verify" my account they would notice something on their end was wrong or they would try to fix the situation instead of just trying to avoid it.

This is the only credit card account that I have out of 8 that charges $25.00 or even a fee at all for a card replacement after a name change (mine being due to divorce). That seems absurd to me. I would understand if it was because I lost the card or it was damaged due to my error but not for a name change.

I paid off this credit card and the moment the payment cleared my bank they suspended my account, claiming the payment was too large and I needed to provide a verification letter from my bank. The payment was less than $1000. I paid off two other cards with higher balances yet this was the first and only one to claim this none since. And they do not have a legal department. I believe it’s time for my attorney to take action.

I received my Credit One card in August. I used my card the same day and was declined so I called. They told me I had a fraud alert and I needed to send my ID and As number in. I did just what they asked and now when I call they never have my information. I don't believe them. Before I was approved they already needed further information. I'm going to call fraud department today and I'm not getting off the phone until someone give me answers to why is my card still locked.

I received a pre-approved credit card offer in the mail to my home address. Applied for card, received approval, and received card in the mail. One day after receiving the credit card I got a letter from Credit One indicating they need me to submit a copy of my driver's license to verify my address and that my card had been blocked until this info was provided. ** - YOU'RE THE ONES WHO SENT ME THE OFFER!! AT MY HOME ADDRESS!! You KNOW my address. So I called their customer service number.

I have been with this company for about 2 yrs now... And had no real problems with them, until now. I recently joined with a new bank (how I usually would pay my credit card bill). I must have input the account info incorrectly so my credit card was never paid (I assumed it was because I had it automatically taken out of my bank account) so when it time to make payments again I called to verify information with one of the Credit One representative and they assured me I updated my account information and funds would be taken out.

Be aware when applying for this card! It may say that you have a $300 balance but you actually have a $225 balance. Be advised that there is a monthly $75 "monthly annual fee" that comes out off the top which has you paying more than you use. I'm making my payment and canceling this card. Please choose another company!

One day I started getting calls from my vendor stating that my payments were not going through, as I use this card for my business and advertising. I went to log into my account and was not able to. I called the horrible customer service line for help. They would not listen to my story. They stated my account was blocked because hackers tried to pay my balance back up and it was declined too many times. With a completely different account than I have ever used or a checking account from a different person. My account was disabled, not because it was hacked, but because hackers "tried" to pay my card balance back up with another stolen card too many times.

They say no annual fee, but it's not true, it's $100. Charge lots of fees, horrible customer service, never increase credit even though you've made every payment and pay off balances. Unless you HAVE to get this card, I don't recommend it. It only helps your credit if you only use 30% of the entire amount available and you pay it off every month.

After dealing with Hurricane Irma in Florida we called Credit One Bank on September 30th, 4:06 pm to request a grace period for extension of payments as we had loss of power for 2 weeks resulting in income disruption and unexpected costs. On that day a Credit One Bank representative told us that the company will allow for a grace period and that no payment will need to be made until November 9th and no late fees will be added.

A few weeks ago I noticed my card had been compromised so I called them to let them know of the fraudulent charges. They sent me a new card and they did remove SOME of the charges but not all of them. The charges had amounted to well over $100 but they only credited me for $60. So I logged in (a feat in itself) to review all of my past statements. Of course, the website will not let me open any of my statements. It will "say" that I have but their site will not let me open, view or print any of my statements. Today I called to find out how I can get copies of my statements and was told I would have to wait until November because my account was new. I have never in my life heard of such a ridiculous response as this. They really should give the people in India better excuses. So I asked her if she could email the statements to me and, at first, she said she could.

Never had any issues until today to pay my bill online. Called the toll free number to speak with a "incompetent agent" who could barely speak English. Had to give this person all my info, ss #, mailing address, might as well say my DNA. Long story short, I advised the agent, "I can't make a payment online today since your website is down." "Well it's up on our end." What a complete lie. My husband works in IT and he couldn't even access it from his end. Then I contacted my girlfriend who lives in Orlando, FL and she had the same issues. The agent said, "We can allow you to make a payment on the phone, but you need to pay a $10 fee for this option." Said, "I shouldn't have to pay anything, zero, nada, since your website is down." I hung up and will check back tomorrow to see if website is up. Very disappointed with the service.

Please beware before applying for a credit card with this company. I have been in a very tough spot financially and resorted to applying with them, was approved with a $300 credit limit and figured I would keep the card tucked away for any emergencies that arose (medical, car, etc). Fast forward to exactly 30 days later and I still have not even received the actual card in the mail - instead, today I received a bill for $75 labeled as an "Annual Fee." I was charged a fee for a card that I have not received, activated, or used.

I made a payment on my account in the amount of $375.41. I made this payment on October 5, 2017. Today is October 15, 2017 and I still do not have access to my funds. The company Blocked my card because they said I made a large payment. Now on the same day I made a payment to my Capital One credit card in the amount of $525.75 and didn't have any problems, my funds were available the very next day. Credit One always told I have to get a letter sign and dated from the bank showing I made a payment on Thursday. Please do not use them as a credit card company, consider using ANYBODY BUT CREDIT ONE BANK CARD.

I received this offer in September and was granted a card with $300 limit. Which is fine as I am rebuilding my credit. I used the card and decided to make a payment shortly a week later. I used the express pay option, using my checking account on October 2nd. The funds came out of my account on October 4th. On October 3rd I saw some of the funds were available. On October 6th I attempted to check my account to see if the remaining funds were available and received a message that my account had been temporarily suspended. I contacted customer service and was informed that I needed to send a bank verification letter. I initially agreed and asked for the name of the person, the department I was sending it to and the fax number. I was told a fax number and to send attention customer service and that my information wasn't going to anyone in particular.

This company charges you a monthly fee and also charges you a fee to increase your credit limit. The customer service dept is out of India and they are rude, abrasive and sarcastic. I canceled my card with them because it was expensive... fees, fees, fees! THERE ARE BETTER OPTIONS!

After not being able to log on to their website I resorted to making my payments over the phone. They required 10.00 dollars more for a fee. When I lost my credit card they required a 30 Fee to replace. I closed my account on May 2017. Continued to make payments, after making my final payment on Oct 3, 2017 of 79.49 I had called them the day before to make sure there will be no late charge for being a day late otherwise I would be glad to pay 10.00 processing fee. They said, "Your account is closed. There will be no fee." Payment was made. Account should have been closed. Now they say there is a 25.00 late fee owed and annual fee owed. And refuse to close account.

Very frustrating. Every time call to get answers to charges does not belong me and everyday I have been calling, every time I called at least 45 minutes. They will put me on hold. They cannot answer to my questions. However, if payment is late they're very quick to call.

Is it possible to do a class action suit with these guys since they decided to suspend my account (looks like others also) without letting us know first? It was embarrassing when I went to make a purchase and the card was declined because of this. I had the available credit.

I can't access their website and now their app no longer works. It always times out. When I call them, they tell me I have to pay a fee to pay by phone. At their behest, I went paperless. So now I have to pay $10 to pay my bill by phone. Because their online and digital platforms don't work, it's my only option. They are scamming their customers!

Worse credit card company EVER! I recommend Not even my worse enemy to get this card. Made a payment on my account 9/21. 4 days later went to login to my account and found out it was temporally suspend. Called to find out telling me they need a letter proving it was me who made the payment, today is now 10/3 and my card has still yet to be able to use. Mind you I paid $200 for it and the extra to come out the next day. When I call customer service to speak to a manager he cant tell me why the bank (them) would do that?! Bottom line if you're thinking about getting this card save YOURSELF and the frustration. Their customer service sucks also. Not very servicey.

My complaint isn't about the card, it's the company that I have a problem with! If you are one day late on your payment, they will call you once every hour! And if you decide to answer for them, the collector will either have an attitude or will try to intimidate you into making a payment. Not cool, I'm very annoyed. Once I pay off the balance, I'm getting rid of the card.

Use the card to establish credit. When trying to make payments the website would always say webpage not available. When trying to make a phone payment that would even be made complicated so finally I was called to make a payment. Paid my loan in full and closed the account just to get another bill mailed to me regarding my account being open. Called again just to talk to some outsourced place. Said my account is to be closed and they said it already is, I said, "Then why do I have a bill?" Said it's closed. Asked for some confirmation number. Said they would mail me a letter. Just received in August. Now my credit score states I am delinquent on payments!! Never use this card.

I received this credit card at the same time Capital One was sending replacement credit cards with chips. When I received I didn't take a good enough look at the logo (they are intentionally deceptive). I put it in my wallet thinking it was my Credit One card with new chip. Go to dinner with friends, submit the card for payment - again not noticing it's not my Credit One card.

I have had the worst experience dealing with this company. I have had their card for over a year. I have always paid on time and even paid the card off on several occasions using the online phone app. About 45 days, I went to the online app to make my payment and noticed that my Visa card wasn't visible anymore. So I paid my MC bill then called to inquire about the Visa. The CSR on the phone informed me that my card had a fraudulent alert placed on it. I asked for details, they refused to expound and treated me like I was crook. The CSR told me to send them a copy of my Driver's License, Social Security Card, and any bill that displayed my address as long as it matched the address on my driver's license. I mailed these items to PO 98873, Las Vegas, NV 89193 as requested and waited 2 business weeks to be contacted by phone or mail. I never received any communication so I called to inquire.

First, I have no account with Credit One Bank but they have called me 13 times in the last 4 days. I have received several applications in the mail recently from them which I ignored so they proceeded with continual annoying calls. I don't know how they got my cell phone and other info but I am one of the people breached by Equifax so I suspect Credit One is in on that deal. I checked my credit report and it shows no inquiry from this company so they must have got info illegitimately. Now here is the most frustrating part. Since they called from same number 7 times in 24 hours, I blocked the number. I refuse to answer any number I don't recognize. I will call the number back to see who it is.

Unexpectedly, Credit One Bank on 09/20/2017, decided in the middle of the billing period to change my MasterCard number. The billing period for my MC closed on 9/4. I had an extremely low balance of 2%. The problem that I have with this is, instead of changing the card number, they transferred the entire balance to a brand new account, with no notice so that I could pay the balance since they reported the new account's balance. I went in on 09/21/2017 to make a routine payment and found this out. I also have a Visa account that they did not change out due to the Equifax breach even though they both report to all the Credit Bureaus. The dropped my hard earned credit score from 732 to 662. I went from a Good credit risk to a Fair credit risk through no fault of my own OVERNIGHT. I literally was going to apply with my Bank for a new car loan today. I am hereby and officially screwed for about another month now. Thanks C1B!

It is my first month with the card and my statement reflected my minimum balance would be due on 16 September. I sent a bank to bank payment on 13 September and checked daily on my checking account if the payment had yet been deducted. Well, today is the 18th and I was notified the payment had been returned without any reason as to why.

March 2017, My account information had been compromised. I was assured the account was no longer active. August 2017, I sent a payment into the company to bring my account balance current. Needless to say it was applied to the closed account. I had contacted Credit One over a 3 week period of time and was told numerous times that the payment was not received. It in fact had been and was applied to the closed account, meanwhile charges are being added to my account.

After not being able to access my account online for more than the first 45 days and calling more than 4 times. It wasn't until I refused to pay that I was finally able to log into my online account. I made my full account balance payment for $301 which included a BS late fee that put me over the limit. Plus $9.98 for express payment total of $311.98. After 2 days I found out that my funds would not be released because I chose to pay using my bank account info instead of my bank card. So I demanded a refund of my express fee. On the following day when I viewed my account again I then I realized Not only did I pay $311.98 but they charged an additional 9.98 fee. (they charged me twice) So I had to call again and after going in circles for about 30 minutes the additional monies was credited back as well.

I got this credit card A $300.00 limit then went up to $450.00 in the first 3 months. Had this for about a year. I never was late with a payment. They wanted my saving account INFO as I was making my payments online then I got upset and paid it all off. It was $454.00. I made a Express Payment $10.00, another $10.00 fee and told them to cancel my card. I ask if there was any other fees? The customer service rep said no. Not that she could see unless a charge that I made did not go through yet. Well I had no other pending charges. The next billing statement I owed another $3.54. I sent a check to pay it off again thinking this nightmare was over. Well not. So today I get another bill saying I owe them 6 cents. This is on the interest folk of the $3.54 and they keep reporting this to my credit. Please no matter how hard of a pinch you're in stay away from this credit card company. Not worth all the hassle.

My late husband after he started paying back as student loans was offered several credit cards. He had problems with Capital One and HSBC. But Credit One did give him a card. The problem with them is that they bug you after you've had it for a while to increase your credit by about $24 or something close to that. Now the worst thing is that if something goes wrong and you call their number what do you get. I recorded message. You have to figure out how to get in touch with a human voice. No matter how hard you try it's recorded message. I did a little research and evidently Credit One is in the Philippines and they use the Las Vegas as their mailing address. The only thing good I can say about it is that when I reported to them that my husband had passed away they close the account.

I applied for this card to help build my credit. Turns out it has done the complete opposite. I did not realize that within a few weeks you are supposed to pay the annual fee (even if the card was not activated yet). Once I did activate the card I went to the internet site to sign up. The internet site is nothing but a joke, when I attempted to sign in, it keep saying error and to try again later. 6 days of trying to establish an account to pay my bill. I finally contacted customer service and all they offered was to pay the advanced pay which cost 9.95. I explained that I would rather set it up online and he just told me to keep trying. I continued for 2 days till finally getting through to pay my bill.

I've had this credit card for a few years now; and I used to not have a problem making a payment online but over the last few months, the online site/app has just been "dead". Every time I tried to log in it would say there was a problem processing my request and wouldn't load any of my information. I went to make a payment and it kicked me back to the log in screen. Ironically, whenever I hit the customer service link to find a way to contact someone directly, it also kicked me back to the log in screen. I don't know if they just really don't want to help their customers because they know their site is messed up or what. In the end I had to call someone and make a payment over the phone with a $9.95 "convenience fee" so my payment wasn't what it was supposed to be but $10 more. That pissed me off. I live off a very tight budget and I know $10 doesn't seem like much to most people but to some, that's a lot.

I opened my account to improve my credit. I had been divorced and my ex had ruined my credit while we were married. This seemed like a good way to get it started again. I paid faithfully on my card, and received an offer for another. I took it, due to my kids needing some things, and my car suddenly needing repairs. Again, I paid for months in good faith, never missing a payment, and paying over what the minimum was. When I only owed a few hundred on each card, I made lump payments on each card, to the total of 1200 dollars. The new zero balance showed for a few days, but then reverted back to the previous total. Horrified, I called immediately. They told me that it was refunded to the originating bank, and that that bank was not approved for making payments. Which is ** because they were processing those payments for months, from the aforementioned bank.

Aside from all the negative reviews, I really haven't had any serious problems like all of the others on here. It does come down to really really keeping up with the account. There are some drawbacks though. The good experience is that I got a credit increase within 3 months. I didn't request they gave it. I also burn up the $300 credit limit and then pay it off or down to 30% or below before the statement so it can report 30% or under usage to the credit agencies, big time helping my credit score. So if you are not paying attention to your balances and when they report to the credit agencies then you are going to mess up your credit.

This has to be the worst credit card company ever. I applied a year ago to build my credit paid on time the whole year. And now I was 7 days past my due date not 30 days late and they blocked my card, added a $25 late fee. After making the payment they charge a $9.99 fee for the transaction. I have to wait 48 hours to use my card. I have other credit cards and they don't do business like this. STAY AWAY FROM CREDIT ONE. I am in the process of closing on a new home. As soon as I close on my home I will pay off this card and closed this account.

I made a payment using my CORRECT AND OPEN checking account for the full amount due of $2,700. I called to confirm this payment and they out and out lied about the checking account being closed. The idiots submitted the payment not using my full checking account number. Then put the blame on me refusing to cooperate when trying to make a payment by phone. I would recommend NO ONE EVER open an account with them...

This is quite possibly one of the most inept credit card companies in operation. My spouse, who had an account with Credit One Bank, passed away in May 2017. After notifying customer service of his passing not once but four times - and after sending a copy of his death certificate with a letter stating the account information by certified mail - Credit One Bank actually sold my deceased spouse's information to a collection agency. I had to call customer service yet again and talk to a series of representatives who, with all due respect, don't seem qualified to handle the financial information of customers.

I got the card, no problem. I used it, no problem. I made a payment in August BEFORE my bill was due, but because my math was off, my 120.00 debit payment to them was returned, "insufficient"... Okay, that was my fault. Tried to make a payment again... Cannot access my account. Have to call to make payment. Charged an additional 9.95 to make the payment over the phone. Still cannot access my account... Call customer service and that is when they told I cannot access my account because they closed it... Claimed that 3 payments were non sufficient. When I explained that it was only 1 payment, he stated, "Well our records show three. Tried talking to the CSR and he was, to say the least, unhelpful. When I asked why they never told me that my account would be closed, he said, "Why would we tell you that?" Never again. This is not a good way to run a company.

Closure of account with no confirmation or validation I contacted Credit One to ask why they never reported to the credit bureau of a decrease in balance. I asked why they only reported an increase in my balance. The representative never could explain why. I stated that I got this card to help my credit and this card has only hurt my credit. I have made every payment on time and I paid more than the minimum.

They allowed a charge to go through 3 times that pushed my balance over the limit, it was attempted and declined then finally allowed after I decided to pay vendor with cash. The vendor reversed the charges to Credit One Bank and Credit One Bank still has not applied them to my account. It has been 5 months. I have been paying the interest on an extra $1500 of what should have been reversed charges. The robotic, script reading customer service representatives have not once given me an inkling that this will be resolved. I have faxed and emailed documents from the vendor and the vendor's proof of funds released to Credit One Bank. They deny receiving said documents. Meanwhile, it is wreaking havoc on my credit because I'm "over the limit" and I cannot purchase things on credit, or apply for a much needed loan. They're holding me hostage over $1500. I call every month and it's as if I'm calling for the first time. Very disappointing.

This company seems to be very sketchy. I received my card in the mail today and tried to activate it. I was told that I had to fax or mail copies of my driver's license and a utility bill to take care of a discrepancy involving my address. They said that Visa International was requiring the information. When I called Visa INTERNATIONAL I was informed that it was Credit One that was requiring the documentation. All I got was a big run around and a huge amount of stress. I closed my account after reading all of the horrible reviews on this site. Be aware of this company. It feels like a big scam and possibly a danger of identity theft.

I had a terrible experience today with Credit One Bank after being a customer for several years. I was booking a tour while on Vacation at Cayman Island. My transaction is denied and after calling customer service and been told I was denied because I was outside of United States and I didn't notified them before my trip. I was told 3 times to wait 5 minutes and run the charge again. I ended up not being able to use my card for this purchased. Then I used my Amex card and like everyone knows no problem at all using Amex when you travel. They are without a question the best credit card company in the whole world. P.S. Can't wait to get back home to cancel my 3 accounts with Credit One bank. They are really the worst credit card company in the market.

I have a Credit One Bank card and, was using it often to increase my credit score. I would use it and, pay it off. They only allow you to pay 4 times a month which I was not aware of. Last month they added charges making me 30.00 over the limit on the day they report to the credit bureau. They turned me in as a high risk to all three bureau's for having a 30.00 over the limit and, it lowered my score by 46 points. I have been fighting with them and got nowhere to remove it. When you call the person you are talking to is very hard to understand. I do not recommend this card to anyone. BE AWARE!!! #creditonebank

Their business practice is by far the worse I have ever done business with. They charge exorbitant amounts of fees, and when you try to ask a question they divert you to many other depts. I would NEVER recommend this company. As a Business owner, I don't normally complain about another company, but my experience with this company has been so bad, I had to report it!

I was never late paying my bill. When the payment was over I got a email from TransUnion that my credit score went down. So immediately I contact TransUnion to see what have happened. As I call they told me that I have miss a payment so I contact Credit One Bank. They told me that the account was close and all the payment was on time that I did not need to worries about. It was a glint into the system. So 2 month goes by I got phone call from Credit One saying that the account still open when I was going to send the payment. I told them that the account was close. They told me that I need to pay $27.00 so I pay. Then a month goes by they told me that still open. I need to pay $39.00 so I pay. Then 2 month goes by it $64.00. I pay. The month later goes by I received a check for $4.95 refundable. I call them and they told me it was a mistake.

I applied for this card to rebuild my credit. I was approved but never received an email confirming the information. I called the number I was able to locate on the website to inform my card was mailed and I should receive it in 7-10 days. I then received an email stating contact information change notification and if I didn't make the changes to account to call and a number was provided. I called the number provided and provided my name. I was asked my card number but I explained I have not received the card then I was asked for my social security number. I informed I could verify my last four but I am not sure if the email is legit so I will not be providing my full social security number.

Got approved, card showed up. I logged in to set up payment info, used the card once and my account was locked after that. I can't pay or do anything and I have faxed everything asked for. Go with Capital One instead.

Signed up online to build credit. Sign up was easy, after receiving card. Made 2 small purchases. The website tells you that you cannot use bill pay to make payments so I decided to pay before my statement arrived. Online at creditonebank.com I made a payment and shortly after received a text that my payment was received. After 2 days the charge did not show up in my bank account, I went on the site again and paid for the small balance in full, same thing happened.

We received an offer to get this card 2 months ago. Now we have received the first information about having 136 dollars of debt. $75,oo dollars yearly fee plus interest + interest, etc. The card never was used. When trying to access to the website was impossible. Does not accept username or password and does not allow to reset. I called them and agent tried to help me giving me some instructions like how many characters username and password should have. Did not work. He also tried to transfer the phone call to IT Department and was not possible. Finally he told me somebody will call me later to help me to access to the website. This is a fraud. I want to close the account but still they will get my money and the money of how many people in this illegal way? Who can help? Is there any organism which could help?

Opened an account with Credit One a few years ago when I first started my credit and after that I did not use it just because it doesn't have a great online banking option. This year I was in the process of buying a house and when I check my credit I saw I had a late payment. I'm a panic I called them to realize that they charged me a yearly fee and because I didn't pay that fee they charged me about 200 in fees on a credit line of 500 dollars. Literally in tears I called them. The first representative I spoke to transfers me and then hung up. The second one ** Linda supervisor was the rudest Person I have ever met in my entire life. She made me cry on the phone. She spoke to me like I am 5 years old and the more upset I was getting, the ruder she got.

$8+ dollars a month in annual fee and $10+ dollars a month credit protection which I did not even request on a lousy $700 balance! I had this card for a long time, I have excellent credit with lines in excess of $11K from major banks with no fees. This card will be cut and in the trash it goes!

My credit card due is always 7th of the month. I use my phone and always on the go and always on the 7th. It has been the 3rd time in a row that this website is not working. In making payment the system will then say update bank information with a small deposit as a testing amount. This being said, it will be 24hr before I could access the acct. I will then call and speak with most unhelpful pea-brains in their call center. First 2 scenarios I was promised that no late fee and no express fee due to their web issues, but yet after 24hrs my account occurred late fee. I will then contact anyone that could help but I get a NO with the answer, "No record any agent waived any fee.” Therefore, no integrity.

I wanted to increase my credit score so I applied for this card in January. By May, I was starting to suspect that they were not very honest. I looked at my account one day, only to see that they were claiming that my March payment was made late, despite the fact that I made that payment on the 1st when I paid all of my other bills. They charged a late fee when the payment had actually been 2 weeks early. In June, I requested a credit increase and they told me that they don't issue credit increases on my type of account, whatever that means. I got an email in June, stating that my payment was late. When I looked into it, they had charged the wrong account. That particular account didn't have enough to cover the payment so that cost me $35 at the bank for a return fee and another $35 with them even though it was their fault.

I had to rebuild my credit so I got a credit card from Credit One in April, everything was okay, wasn't happy about the annual rate. They charged right when I got the card or the 9.99$ they charge you to make a payment by phone!! So I decided to download the app and make payments on there. I made two payments, never heard from them so I assumed everything was fine. Today I tried to get on my app to check my account and it told me it was locked! So I called and they closed my account because my payments were returned because of their app malfunction!! On top of that they charged me two 25$ fees for each on and late fees putting my account over the limit! I didn't receive one email, one phone call, one email, nothing! I haven't even received a statement since I got the card!

I received an application for Capital One credit card, but little did I know it was not, it was Credit One Bank which carried the Capital One Bank logo, and out of my total bill which was for lunch, the outstanding bill was $188.00, $75.00 was for the card use so therefore, my actual charges were a total $113.00. I paid the bill when received. Now, with them stating that they did not receive my payment, it was always late. I was charged and paid amount but, they then added an additional $30.00 for late fee. Not realizing calling them, I received a notice from Comcast asking if I wanted international calling service on my bill. I said No. I have no one abroad. Yes, I did, and little to my surprise I was calling India via their 800 number. My credit limit was suppose to be $300.00 and then they said $200.00. I told Comcast I told I had no knowledge that I was making an international call to India or Pakistan. I was now shocked again.

From the moment I signed up for this credit card I have had problems. The website is always under maintenance and will not accept my password or user name. It will not let me reset it as well. When I call them, to try to process a payment they want to charge me $9.95 to process it. I refuse to pay that amount. If your website will not let me make a payment you need to process it for free. I usually get it for free after much protest. This happens all the time. I know how to use a computer but they tell me to clear all cookies and delete my browser history but I am fully aware of that. I cannot stand this credit card company and feel as if they're going the extra mile to rip people off.

Terrible place. Credit One is all about sharecropping. Their membership fees, plus interest and hidden charges make it almost impossible for anyone to place off the account, get out from under them & move on to something else. Recently I had my fill and decided to pay them completely off. I called to cancel the card & also to receive an exact $ amount for the payoff. (The due date was a couple of weeks away, so this was at the beginning of the new cycle).

I received an offer in the mail from this company and decided to sign up. This was June 17. I went online and filled out the application. The first thing I noticed is the automatic fill data when I went to put my address in. They had a former manager's address listed in Oregon as an option.... I'm in California. The only way they could have gotten that data was via Amazon when I purchased office supplies for him and had it direct shipped to his office in Oregon. They also had my current work address. I filled in my home address as the place to send the card and statements and submitted only this information.

Please stay away from Credit One. They locked me out of my account for no reason. When I called their "customer service" the woman refused to let me in. It took me an hour of screaming at two people to finally get anywhere. This company is a sham. They will do everything to keep you from paying your bill. STAY AWAY!!!

I've been with Credit One for about 3 months. The issues I have is, I can't get into their website to check my statements and I haven't received a statement in the mail. After thousands of negative reviews for Credit One, can't the ConsumerAffairs contact the Federal Trade Commission so they can look into all this?

Credit One has been reporting to the 3 Credit Bureaus and I don't even have a card with them. This has been affecting my credit since Feb. 2016. I have called and called them about this issue. Still has not been resolved. Today is July 26, 2017. I had to call again and was told “No ma'am we are not reporting to the credit bureau.” The supervisor did see where I have not had any card open with them. Please be careful with these card companies. Even if I could I would not get a card with Credit One.

I have never been able to open my electronic monthly statements. There is no information on how to solve this problem. And the only phone number I can find is a recorded prompt and no option to talk to customer service.

Trying to increase my credit score only to find out this company is a rip off. Opened account in May. Second week of June started receiving calls that I had to pay off my credit account in full because it was past due. I hadn't even received my card. The company billed me $75 annual fee and then charged a $25 late fee because the annual fee hadn't been paid. I hadn't even received a bill. Credit line was set at $300. I called and got nowhere with the person on the other end. I closed the account and now that will lower my credit score. Company is complete rip off. They will only make your credit score worse instead of better. DO NOT SIGN UP.

DO NOT APPLY FOR THIS CARD. I made payments through app. "Pay Near Me" payments take 2-5 business days. After payment is made, Credit One Bank will not credit your account until 1-2 days before your scheduled payment date. You cannot make purchases, it will decline due to credit limit balance due. Regardless how early you zero out your balance. They require a expedited payment to immediately credit your balance and free up card purchases. But you have to pay for this quick balance credit per single payment transaction. I will zero out my balance, cancel the card and give a big ** to this credit card business.

I'm in the process of "rebuilding" credit. Unfortunately I applied for this on the internet, not realizing that there would be a $75 "fee." They sent me a card, and I didn't activate it. Notice after 14 days it would be automatically closed. I got billed for $75 on a card I didn't even open! Went online and paid it after I called 1800 number to activate this. I should of stayed away from this company! I changed my mind about having it, and I don't see any way to close the account online.

I've had this card about 8 months because I desperately needed a credit card to help me out while I was on Maternity Leave. I've been paying my balances since January and the numbers look EXACTLY the same. It's like I put no money to it!! They've locked me out of my online account TWICE because I've made two payments of "insufficient funds" & I just finished speaking to a customer service associate about it and she was NO help. Now in order to get my online account back I have to write a LETTER to their corporate store in Nevada. Do yourself the favor and stay away from this company. Their customer service offices aren't even in the US and they can barely understand you sometimes. They're absolutely awful. I've already told them I'm closing this credit card the second it's paid off.

This card was paid in full last year. I continued to pay the monthly service fee. What a mistake. I should have canceled as soon as I had paid full charges on the account. Card is not used until about February 2017. By whom I have absolutely no idea. Charged by some company I do not know. For products I have no idea what they are. Most banks/credit cards you can report such things on their website. Not this bank. I had to write it, explain the problem. It was sent to the address listed on their website for fraud problems. Sent the first one, never heard back. Sent a second one with cut up card and asked to close the account, received letter stated they had no idea what I wanted. So I was to send them another letter with my problem and details.

You will have the available credit at 300 your card will decline still. Every single day my account access is disabled, if you make too many purchases 3-4 they put your account on a hold, I have to call at least 3 times a week just so I can view my activities, check my balance, or make payments. Waste of time. Get a Capital One secured card 0% annual fee, $200 credit limit, interest fees are nothing, just a $45 security deposit that you can get back if anything, just make sure all payments you do with capital one is certain. If you have two return payments they will automatically close your account. DO NOT GET THIS CARD!!! I REPEAT DO NOT GET THIS CARD!!

I didn't want to get this card to start my husband's credit, and I regret getting it now. I make the payments on his account. It is RIDICULOUS to have to pay extra to process a payment sooner. Every credit card I have had posts the amount immediately without having to pay extra and funds are available the next day. But not with Credit One. They charge $9.95. And if you do a standard payment, funds are not available for 5 or 6 business days.

After I got the card, I went to make a payment. I selected the Express Payment option and typed YES in their confirmation screen to pay it. I *thought* it went through, but it didn't. A few weeks later, I got put on the callbot again asking me to pay my balance -- to which I replied I had already paid the balance in full weeks earlier. Nope. And guess what? It went past 30 days, so they reported a late payment on my credit report. I have other cards and I have never missed a payment, so this report dropped my score nearly 90 points. I was shocked. I disputed it, asked for a goodwill adjustment since I paid the balance in full, only to be given generic, robotic responses that didn't even address the issue I had on their website.

This place is a joke. I attempted to make an international purchase, it was declined. I contacted customer service, which are extremely hard to understand. I advised them my card was declined, they removed the international block. I used my card immediately following the phone call and it worked. I then received a message that my card had been placed on hold due to "suspicious activity". I contacted them again and the suspicious activity was the very charge I made and the one they allowed from having the international block lifted. They advised I needed to mail a copy of my driver's license, not scan and email, but physically in the mail to "confirm" the account. On top of all of that they want a annual 75.00 "service fee" for a card with a 300.00 credit limit...

I have been a customer for over 2 years. I recently was asked by an employee why haven't offered me a credit increase. The process fee of $24.95 was never refunded after I was denied a credit increase. I was told this was a standard business practice. Before you accept a credit increase from this company please make sure you check your credit score and make at least $1200 dollars a month.

This company does not allow the option of scheduling a payment ahead of time as every other reputable company does. Obviously, this is for the purpose of hoping payers will miss the due date and end up with a late charge. I adjusted to that, though, and made the payments the date they were due for quite a while now.

Now when I first got this card, I really thought it is was Capital One... I only had the card for three weeks and I'm ready to pay if off and cancel it. The payment options are very confusing, the automated phone system is bad... and I'm just not satisfied!!! So to the Consumer Affairs can you please help me in this terrible situation.

In my very brief stint with Credit One Bank I have had a few experiences that words cannot express. From being told it's my fault my additional card hasn't come in and now having a bunk computer because I cannot access their website. I have payments due (never been late) and their website is non-responsive due to their server issue. I reported the issue with Credit One and they proceeded to tell me to reset my username and password because my account is somehow "locked". Their customer service department is so out of touch with their creditors it is unreal. They cannot even comprehend the concerns their card holders bring to them and have nonsense type responses which prove they have NO IDEA what people are trying to convey to them!!! So damn angry with this company...or lack thereof.

Credit One Bank is a buyer beware credit card. There are many other better cards for restarting your credit. Payment of the express payment fee does not result in next day available funds. IN FACT expect to have your funds held for an additional week after having the funds removed from your checking account. YOU ARE GIVING THEM A FREE LOAN AND YOU ARE PAYING FOR IT! No amount of complaining or advocating for yourself results in a solution. After nearly an hour of calls, the concern was heard but the outcome was hardly a resolution. DO NOT USE THIS COMPANY. It's your value, your time and money

Let me start by saying that I had to call and ask for a statement 3 months in a row. Today I was paying my bill and noticed a $25.00 late charge. I checked my online banking and the payment was received on time. So I called and spoke to foreigner and was told I shorted my payment by $2.00. I told them that was the stupidest thing, all for $2.00. I told them to close the account. Now, I admit that I shorted the payment $2.00, but I have some vision problems due to a stroke. All they had to do was increase my payment the next month by the $2.00, and I would have been happy. I would also like to know what part of the world their customer service in located. Because the 2 people I spoke to today were very heavily accented. They DID offer to waive the fee and some of the monthly charges, which I accepted. But the whole thing really ticks me off.

I received card in mail. If I applied... show me an application. No mention of "Annual Fee"... credit limit $1000.00. I foolishly used it. 2 weeks after receiving card I was assessed a "Late Fee"! That's when I knew "Credit One" was TROUBLE! I cut up the card... paid for my purchases and the interest. I told them verbally while supposedly being "recorded" and sent them an email stating I was no longer a customer of theirs and that I had "cut up" my card. Since then "my balance" has gone up to nearly $400.00 because of "Late Fees". They've ruined what was a very good credit rating. They called daily... many times each day. It was of no use to try to "block" them. They have an endless supply of American phone numbers from all over the country.

On a number of occasions they would decide to put a block on my card if they felt the gas station wasn't in an area that isn't safe. My payments were consistent and they are not trained correctly and absolutely the managers they have are rude and complete liars. They treat their customers like crap. I would never recommend to my worst enemy to go with them. Very inconsiderate and unprofessional. Best thing I did was close my account. They are one big headache and they say they answer calls 24/7 but in the middle of this so called manager pretty much trying to cover her but because I caught her in a lie all of a sudden hung up. I call back and then was told their closed. Crooked. Not worth the hassle.

I fell victim to the lies and crappy promises made by Credit One Bank. I was a customer for 1 1/2 months. They gave me an initial credit limit of $1,200.00. My credit rating was over 670 at the time. I went to visit my mother who was dying and I sent them a fax about my urgent trip, also a letter and a phone call as well. I was assured that there would be NO problems while I was away if I had to use my card. While I was away dealing with the death of my mother, a supposed fraud dept rep called me. I assured her that I was in possession of the card, and she assured me that they were concerned about a specific and suspicious transaction. I told her that I indeed had made the purchase and she told me "thank you for verifying the transaction." I asked her if there were any other problems with my card and was assured, "No." I went to come back home and found that they had reported my card as stolen. I was arrested and put in jail, out of state.

I called to cancel my subscription since they charge an annual fee and I don't need the card anymore - they cancelled the card then six month later they called to say I was behind since they started charging the fee again - I told them to cancel it again which they said they would but they wouldn't remove the annual fees so I had to pay $24.95 for nothing - what a ripoff!

I tried to setup an account online. It actually turns out I was able to, but the website had said it didn't work a time or two. I asked for them to email my password, but that didn't happen. I had wanted to pay my bill from my bank online. I did this about a week before my payment was due. I then thought my payment was due on the 26th, but it turns out it was due on the 22nd. I had planned on calling in and paying it by phone. Of course, you are charged a $9.95 fee for this. On the 23rd, I got a phone call that my account was delinquent and asked if I wanted to bring it current. One day. I was charged $25.00 because there is no grace period. Again, I truly tried to set it up to pay online and spent a lot of time trying to do that.

They want their annual charge right away. Even I didn't use the card I was charge a late fee for annual fee. I don't have opportunity to use the damn card yet. Customer service was horrible...so I paid the whole thing and shredded the freaking Credit One Card. Hello people...do yourself a favor...if you want to open credit card do not consider Credit One. Try Discover card or Citi card. I have been using Discover card for awhile now and satisfied with them. Again do not consider Credit One cards. I think they are a fraudulent.

I got this card almost a year ago to help rebuild credit. I read the reviews. I used the card responsibly. I made payments on time. I check the balance today and it is over the limit so I called because the information online showed nothing. I had not used this card in a month. Credit One Bank has two payment options. Standard is free and posts in five days. Express posts in a few hours but will cost you an additional 9.95. I chose standard as my due date was still 3 weeks away and made more than the minimum payment.

I'm so mad about this card. Me and My husband had for only 2 weeks, I use and I decide to pay off yesterday. Ok To make the express payment they charge you a fee (for you to have the credit available next day), so I pay the fee and this morning the available credit is not available! LIARS!!! I pay extra for nothing! I call customer service and the people are not from here, I couldn't understand the girl and she couldn't understand me, probably from India or other country. She told me the balance will not be available for 5 more days because I pay using my checking account. THEY STEAL FROM ME FOR THE EXPRESS PAYMENT and that's it! THE WORSE credit CARD EVER! Don't do it!!! I will wait for the credit be available and I'm calling them to cancel this card!

So even when you pay off your balance (had a 0$ balance for 5 weeks) you still get interest fees from when you had a balance... How does that make any sense. Cancelled the card immediately and STRONGLY ADVISE AGAINST DOING BUSINESS with the CALL CENTER OUT of the US that reads from a screen and is NO HELP at all...

First of all is the same as the other's reviews, basically same problem so this is my nightmare. I got a credit line with this "bank" and been used for the last 5 months just 30% of my line of credit which always paid the full amount, a month and a half ago I replaced my Chase debit card because it was cracked in half, so when my Credit One Bank bill was about to be due I tried to pay online. Their system constantly was frozen and don't accept all the numbers I was putting in to. After the third attempt finally! It went through. I paid my full balance so after a month and a half I didn't use it until last week. I tried to use in Best Buy and declined, I called immediately Credit One Bank to find out why it was declined. I just wanted to know an explanation, customer service horrible. A person that don't know how to explain why! And barely speak English nor Spanish.

I have an investigation on my account and was told that it had been resolved and that my refund would be mailed to me. Three weeks later I called to check on my refund and was told that it was just mailed out. When I asked to speak to a manager I was placed on hold for almost an hour. All of the representatives are from the Philippines so there were language barriers. This is the worst company ever!!!! I would not recommend this company to anyone.

I applied for a Credit One credit card. Can't believe it takes 3 weeks to receive the card. Customer service reps sucks, they keep telling me lies about when my card will be shipped. I'm really thinking about canceling my card.

Credit One has a stringent policy with pending amounts, even in error. The issue was resolved and I look to maintain a lasting relationship with Credit One. Only thing missing was a nice or decent follow-up.

This will be my first review for Credit One Bank. I will make another review once I have used the card more. First: I applied for a Credit One Bank credit card and was approved on 06/06/2017 for the Credit One Bank Platinum Visa. Right from the start it informed me if I chose a certain type of card design I would be charged a fee of $6.95. I was okay with that. So I chose my design and waited for my card to be sent. My card was shipped on 06/16/2017. Website stated it should be there by 06/26/2017. I received it by 06/19/2017. I think where the problem starts with certain people is they do not read. I said certain not all!

This is the absolute WORST credit card company! Nobody speaks proper English, website is always having issues when making a payment, they charge a ridiculous annual fee, and the last straw was I made an early payment (before my billing cycle ends) and they tried to charge me a $35 late fee. If you are not diligent about checking your statements with a fine toothed comb, they will rob you. BEWARE! I needed this card 7 years ago when I was rebuilding my credit. I now have a 750 credit score, and am closing this account for good.

I am sick and tired of Credit One. I received their card one year ago. I have always paid on time and for the most part more than what was asked of me. I have countless times asked for a credit increase. My initial credit was $400 and this is after they deducted the $75 annual fee. Credit One keeps refusing me of an increase, they send a letter in the mail stating the reason I was denied was because I have had their card less than one year. Okay, so today I call and the representative Olivia which sounded like a robot rather than a human tells me "no that not so, we get credit, one month, three month, six month." I said this isn't so, and I am sick and tired putting in for an increase, then seeing on my credit report hard inquiries. This card is ** and so are the representatives. If someone pays on time, they should be entitled an increase without all of Credit One bs stories.

I received a letter I was preapproved. I applied and was told everything was approved and I would get my card 7-10 business days. 15 business days later I did not receive the card. I called them they told me give it a couple more days. 3 more days later I got a bill for $45.00 for something I never received nor activated. I called them to cancel altogether as to me this was a sign. The representative a foreigner told me he will cancel my account and credit my account for $25.00 and I would only owe $20.00. Oh yes I told him that was unacceptable. I am not paying anything for something I never received. He recanted his statement. Confirmed he canceled my account and credited it to $0. I have good credit. If this goes on my credit report I will be very upset. Beware do not get a Credit One credit card.

This was the first card I received after my credit went to crap from when I lost my good paying job and had to take work paying half the income I used to make. Anyway, this is a subprime card and I understood that the interest rate was high. They also charge an annual fee that you can either pay each year in full or they will break it up and charge you each month for 12 months. I almost always pay the full amount I use each month. Sometimes I don't. I look at my statement and make sure the interest rate calculation is according to my rate for any balance I leave on the card till the next month. They've given me two increases but you have to for it. I think it $24. It's been worth it for me and it help me establish my credit enough even though I have several bad accounts on my credit report as I'm still digging myself out of the debt from when I lost my job.

I applied for a credit card and I know I have a fraud alert on my report. So when I finished my application it said "pending for additional information. You will receive a letter shortly requesting additional information." That was on June 6. Never received a letter requesting anything. So on June 15th I got a letter in the mail that was dated June 8 declining me because I have a fraud alert and they couldn't reach me via phone. Are you kidding me. When did a letter become a call. So I called them and their customer service are all idiots, all of them said including a supervisor "we're sorry but you can apply again after 30 days." Why would I do that. You all are the idiots not me!!

My whole credit history is so bad, that I have had to file bankruptcy! As I have moved on, to rebuild my credit history and score. I have a credit card through Credit One Bank. First they started me out with only $250.00 credit line. I made my payments on time, and without asking for a credit line increase, I now have a $500.00 credit line. If this is as high as my credit line will go! I'm very happy about it. Now I have a Capital One Quicksilver, with a credit line of $500.00 also! And just a month ago!

I'm so sorry I applied for this credit card. You have to pay to make a payment $3.99. This is horrible. When you mail in the payment they are getting it late. Plus when you make a payment online it takes 5 days to post they are do not give you credit on the day you make payment causing it to be late. Unhappy customer.

I tried logging in online to pay my monthly bill. I was locked out and my account suspended. I called to get a new password. Only then did they notify me that they had shut my account down because my card was used near Los Angeles, CA on the 5th of this month. It was the 14th when I called. So 9 days later and they hadn't called, emailed, or done anything to notify me of this. WTF? I will be closing my account down after they send the new card. How do you not call?

I have used Credit One for almost five years and despite minor issues I have never had a problem until now. Their website's log in expires every 30 days (a serious flaw) and you have to re-set your online log-in/password every time (using your credit card numbers). I misplaced my credit card right before a European trip and I called to let them know that I couldn't find my card to pay my credit card. I asked them to grant me an extension and re-send the card. Total nightmare. I kept receiving harassing phone calls for payment. When I called again to tell them that I thought an extension had been granted and that I was waiting for the card, they had no record of it in their system. This happened three times. As a result my payment was delayed by over 30 days.

I will start this by saying I have had my Credit One Platinum card for about five years now. I have lived at the same address for three. I logged into a third party credit monitoring service I use and found out that Credit One closed my credit line. They did this without emailing me, without mailing me any notice, or calling. When I called in the rep told me to verify my address for identity purposes so I gave them my address. Three minutes later, when I was able to ask about why my account was closed without my knowledge they said it was because of an address discrepancy and that they tried mailing me notification... They had my ** address on file to verify my information... Both in the online account center, and at their office. There was definitely not an address discrepancy, and they email me my payment confirmation every time I make a payment. Poor company structure and organization is what caused this issue.

They promise to report to all three bureaus, but they do not do this on time or accurately which made my TransUnion score lower than the others. When I called them about it, I spoke with a woman with a heavy accent who was difficult to understand, and told me I would have to write them a letter. Further, they make paying the bill difficult, and hold your payment for a week before adding it into your balance. If you want to pay immediately they charge you ten bucks. I will leave my balance at zero because canceling your credit card also lowers your score.

I had a return check I will admit was my doing. Paid my bill with the same checking account again, my money was in the bank. They return that payment. Also was wondering why my check had not cleared, payment still in bank. They closed my online account. I have called them numerous times to open it back up. Was told that they could do it in 2 to 3 business days so I could update my checking account to make sure it's right. I had to call them again today because it was not open, was told they had to verify my checking account.

Seeing a lot of negative reviews for Credit One Bank's credit card and I want to say that it isn't that bad at all. I have had one for 9 months without a problem at all. I have even had my credit limit raised by them from 500 to 800. Yes, it is for rebuilding credit and geared towards low credit score people but so what? It's not their fault they have to have high rates because people's credit scores are bad and they are taking a risk. This card along with a few more cards have helped my score from the 529 it was 10 months ago to a 648 it is right now. All you have to do is pay on time the minimum and that's it. At their website, I have registered and logged on all the time without a problem. Even their phone app works like a charm. Some reason it won't work on my computer at my job but I do use a ton of open applications that slow my internet down but no problems on my laptop at home or the desktop.

They claim the fee is $9.95 to process an express payment. So, I agree and my payment amount plus $9.95 is processed and withdrawn from my payment source. I'm checking my statement, and I also see a separate express payment fee charge to my credit one account for ANOTHER $9.95 a couple of lines under where it shows my payment amount WITH the extra fee they originally took! If anyone out there has used this "service", check your statements against your payment source statements. I bet you see the same thing. The fee they claim is $9.95 actually costs $19.90, and it's going to cost them more. I'm closing the account today.

Got my card and charged $141 to it then was immediately blocked because of "suspicious activity". Fair enough. Security is a good thing. I called customer service and was told they'd lift the block. They didn't. I called back two more times and was told each time the block was lifted. On the fourth call I was informed the block could only be lifted after I submitted ID to them for verification. Okay, fine. I wish the first CS rep had told me, but okay. So, I send my ID and call back about a week later and was told they hadn't received it yet and to call back in a few days. I call back three days later. The CS rep informs me they did receive my ID, however, they can't accept it because it's expired. (I don't drive anymore). I requested to close my account, but couldn't because of the block. I asked what I could do to get the block lifted and the CS rep finally agreed to accept my social security card for verification.

This credit card is a joke. They will ruin your life. The interest is too high. Most of the time you get a representative in India and they are rude and call you all day every day if you're late 2 minutes. If you are late one day on your payment they will cancel your card immediately without any notice and we'll put it on your credit as a delinquent payment within 2 weeks.

I've just recently got this card and I am rebuilding my credit. When they gave me the offer I read the reviews and was scared. I decided to just go for it. So far so good. I've already gotten a credit increase. No charge. I stay with a paper bill and mail a post office money order for the payment. I avoid the app and website altogether because of reviews. That did declined a purchase one time but when I called verified some questions it's been on and cracking ever since. SO BIG UPS TO CREDIT ONE. THANK YOU FOR THE OPPORTUNITY TO GET MY CREDIT BACK IN ORDER BY OFFERING ME CREDIT???

Should I give them even one star? I think there should be something lower than that. I don't even know how to describe my experience with this bank. This is the worst "bank", I mean the worst scam organization you could ever have to deal with. It's a big NO NO for anything that's labeled Credit One Bank. Take my word for it. I just paid off the balance and got rid of that nightmare. And guess what? I have had that credit card for less than 5 months and since day 1 it's been a nightmare, I mean not even one good experience, that's right, not even ONE good experience with them. I learned my lesson!!! It's pain in the neck even to pay them. Customer service sucks, credit card sucks, everything sucks!!!