Credit One Bank Reviews

Scam artists! They closed my account even though I never missed a payment and then reported to the bureau that I missed payments even though it also showed that my account was closed during those months. On top of that, even after my account was closed, they charged me interest on the closed account. Now I'm trying to get this all sorted out but I'm not hopeful.

I frequently have tried to make payments on my account and have had their website down or giving false information (over limit, late payment, etc.). Their website gives no way to contact them via email. At one point my information was entirely unavailable to me for no reason. Over the years with them I've come to believe that this confusion of their customers may be deliberate; the objective seems to be to trap their customers into "owing" more interest. They have limits on number of payments per month, the confusion and misinformation contribute to late payment unless an "express fee" (almost $10.00) is paid to ensure a payment is registered on time. Otherwise you may find that money you paid online might not be posted on time. I now believe this company goes right up to the line of illegality to manipulate their vulnerable subprime members. Be aware. Stay away from this company.

ZERO STARS! Credit One Bank and credit cards are an easy way to learn a hard lesson! They remove $75 off your credit limit for a fee right from the start. So your $300 limit automatically is $225. Their interest is unreal and if you are late, they tack on the late fees so you can't pay that in addition to what you already owed either. Don't default tho! They'll keep your account open for many months, reporting all this on your credit. Then they sell your account to a collection agency that reports on your credit too while C1B continues to report your debt to your report as well. C1B reports the balance increases each month (from an account that supposedly belongs to the collection agency), they report the accruing number of days that you're late and report negative remarks on the account that again, now belongs to the collection company that bought it.

At first I thought it was a good card but after paying all of my balances early I would get bills for interstate only. The last bill which was 35 days later was the last straw. It was for 1.93 interest for the prior month that I paid off early. What? So I called. They apologized and put a credit of 1.94 to cancel the interest out. I closed the card. What now I'm a penny over do you think I can get this closed out card to a zero balance. NO they don't care. So now what another yearly charge on a closed card because it's a penny over.

This bank is operating in the 1900 century, when this is the electronic era. This bank doesn't allow customers to make payments more than four (4) payments per month. This is the most outrageous policy I've ever heard from a credit card company. I went to make a payment today and this is what I got "We are unable to process your request. Please contact Customer Service at 1-877-825-3242. Message Notes 1/25/2020 Payment Limit: You have reached your payment limit. Four payments have been received within a 30-day period." This is unbelievable and I do not think this is even legal. No company can deny me the right to make a payment whenever I want.

Card is always declined despite having it paid off and customer service is worthless. Shredding the card, don't waste your time or money on this high annual fee worthless trash card. Better off not having a card at all so you can avoid paying for a card you can never use.

My husband and I had a card with a $300 limit. The first thing Credit One did was charge the whole $75 annual fee up front, when over the phone we were told it would be split up over 12 months. Later down the road, my husband and I were divorced, we were to pay off the card and close the account. Before I could pay off the card online, it required a bank verification process before it would let us. Then after you confirm their debits/credits made to your account a few days later, we were able to pay it off online. Then when I tried to call back to close it, they had added a $19 user fee to the credit card account, and would not close it until that new fee was paid. Due to our divorce decree, this account needed to be closed permanently but the customer service rep kept refusing to do so. He wanted to give us a $50 credit towards the 19 charge, leave the card open with a $30 credit, which was not needed.

Terrible system. Always asking you to verify to bank account. Don’t try to pay your account twice a month because they will make you verify it through your bank over and over. The customer service representatives don’t listen to what you’re saying and keep over talking you and telling you not to worry. Seriously don’t get this credit card. It’s not worth it. Will be paying this off and closing my account.

I would never recommend this company. I noticed a new card was opened on my credit report and tried to look into it. Upon calling, I realized you cannot reach a representative without giving them a card number, which I obviously don't have. I finally got someone on the phone after about 2 hours of messing with it. She barely spoke English, and made me confirm my identity using my SSN. Upon confirming my identity, the lady couldn't help me further. I then spoke to a supervisor, and then a manager, just trying to get a direct line number to call back and give to the police when I file a report. Apparently, they do not have a direct line. I guess you have to wait like that each time you have to call. They did not take this fraudulent activity seriously, and were not helpful at all. As far as credit goes, I feel like this company would probably only be good at making yours worse.

Since we didn't use the card, we tried to cancel the card. The operator said he spoke to the supervisor and would delete the fee and close the account. Did this several months in a row, and spoke to the operator stating they still didn't close the account. Then the operator would speak to the supervisor and was given the approval of closing the account and not having to pay the annual fee.

I have had this credit card for over 15 years. I always paid online with a certain bank and account. I received a letter to have my bank send them verification that I am a signer on this account. The payment in question was for $75. The payment was paid by my bank. My account was frozen and until they receive the letter it will remain frozen and if not received in 30 days my account will be frozen and it will be reported to credit bureaus. I called as I was confused. I called my bank and the Bank President called concerned that this was a scam. The letter has been faxed. Here's hoping.

Approx 6 years ago I had my life destroyed via divorce, hence my credit. For 6 years I have not applied for any credit -period! Paid cash for everything. I got a membership with Experian, including credit monitoring. For 2 years I've had this service, and for several months they kept pushing Credit One to help rebuild my credit. I was very hesitant, but after their pre approval I allowed them to conduct a hard check of my credit. Then I received an approval code stating I was receiving their Platinum Visa Card with a 2,000.00 limit. Three weeks later I received a card with a 300.00 limit, minus their 75.00 fee? LOL! If I knew the credit limit would only be for 300.00, I would NOT have authorized a hard credit check! This is deceptive, borderline predatory! Now what choices do I have? The credit check was done, which is already a negative! If I do not activate and use their visa card that will appear as another negative against me!

I went to pay a bill and found out my card had been maxed out. No alert. No notice. I contacted the company and they said they would have to launch an investigation and will take a minimum of 15 days. I knew that would ruin my credit score and asked to speak with a supervisor because the fraudulent charges were at a gas station 2,000 miles away while I was in possession of my card. The supervisor said it was evident it was fraud and it would be resolved before it was ever reported to the credit bureaus. It was reported to the bureau and because I have no other credit accounts my score dropped 70 pts!!!! I was livid. I contacted the credit bureau and they said they would take care of it.

I've been trying to repair my credit rating the last year some fraudulent charges old account. Anyway got this card to help me build credit and earn cash back. I had finally got my credit rating to where I could qualify for one with cash back. Well barely cash back. Still have to pay introductory yearly fee off the balance now so more debt minus any compensatory services of the said year when I got the card. I think I got a couple of if bills paid and a few groceries. I got gas once and I know I made my first minimum payment early.

DO NOT RECOMMEND Credit One. I am so sorry I signed up for this card. After using it for two months, their Web Application would not accept online payments. After several failed attempts and and continuous contact with their Customer Support, gave up and closed the account immediately, in fear of it being reported as delinquent. They stated that they would send a final bill and I would pay by personal check via mail; which I happily agreed to seeing that their Web Application is oblivious flawed to some extent. Never received the final bill and now the bureaus reflect the account delinquent. **. This company does not have your best interests at heart. Avoid them like the plague, they will not help you rebuild credit they will destroy whatever remaining score you are left with.

Avoid this rubbish. They charged me 25 dollars fee without any reason and refused to pay the money back. They horrible stupid service and advisors. It's not a bank it's a shame. They don't know what they do just scam their clients.

I have always paid every month like clockwork. In February of 2019 I had multiple issues with this company. Charges that were supposed to be reversed and etc. I haven’t had a credit card with the company since June of 2019 and still I pay every month. I pay for a credit card that I have not been able to use and no real compensation has happened at all. Credit One Bank is definitely high in fees and there really hasn’t been an incentive for staying with this company. The customer service is terrible and I am constantly told one thing from one customer service rep. and something else from a supervisor. It’s been a really bad experience. I think whether you have good credit, bad credit, building credit or rebuilding credit, go with a different credit card company.

Forget this card! I had them for 1 year never missed payment, 600 limit... Always early payoffs.... So they beg me to come back by sending me pre-approvals out the wazoo for up to 2500 2 years after. I finally caved in so they give me 800 credit limit. Thanks but no thanks, I have credit lines from other cards like Discover/ Capitol One / Amex.... Some of them almost 4000. Gold diggers. Told them to quit sending me offers and declined card.

For those of you considering to open an account, please read ALL the reviews. You will see 2 or 3 good reviews, from people that really need a card and are so thankful someone like Credit One gave them a 300 credit line when no one else in the world would. But then scroll down and you will see hundreds of negative 1 star reviews, read them carefully because everything is absolutely true. So let's look at some math: 500 credit line you start with

I had a small credit card with this bank and had nothing but problems just like many others. Who in God's name is regulating these thieves? My account has been closed and paid off for six months and they are sending me letters in the mail asking me for my social security number! They say they are based in Las Vegas but that is just a mailing address. This company is based in a poor Asian country who is stealing from us hard working people. Please someone investigate!

Be very wary of doing business with Credit One Bank. They do everything they can to ensure that you will be late on your payment in order to extract exorbitant fees. Fortunately, I paid my bill early, but just a few days before the bill would have been due they locked my online account. That makes paying the bill nearly impossible without--you guessed it--having to pay an exorbitant fee to express pay it via phone.

I applied for a 2000 credit limit and got 400 and got charged 75 $ out back for annual fee. I believe this is robbery. If some put gun to your head they are better than people who wear suits and steals from Americans.

They say they mail out bills. Well two months now and I have not received anything so I have had my credit destroyed within 2 months. I got this to bring my credit back up and now it’s down 60 points. I am so upset that I can’t see straight. Do not get this card. It is not worth it. I had to give one star. They deserve 0 stars.

I have had two (2) separate cards with this company for several years. I never complained about the annual fee that turned into a monthly fee of $8.95 per month. I never complained about the $9.95 fee they charged just to make my payment ($9.95 per payment, and you better make that payment with your debit card. Because even if you made the payment with an EFT check online & paid the fee, you would have to wait a minimum of 7 days for the payment to post. I called this the payment MAFIA system!). But the final straw was...Black Friday, I paid off my card with the same payment method I have been using for years. I went to use my card last week, and my card was declined.

I recently discovered (during a monthly review of my credit scores) that not only was I issued a card from this company with a $500 limit (Oct 27), the card had a balance of $519 (as of 12/6). Of course, I filed a dispute with all 3 bureaus and Credit One, but the really puzzling part is that all 3 bureaus list my credit as frozen (I froze it in August) and there are NO hard inquiries to my credit prior to being issued this card (which I never would have requested).

Crooks! Closed this account. They charged me for items I never authorized, I reported them to Office of the Comptroller of the Currency (OCC). I called this company to argue the charges. They stated that automatically the charges for credit protection was added without my consent. STAY AWAY FROM THIS COMPANY! They credited me back, LIARS & THIEVES DECEIVING PEOPLE.

I started with Credit One approximately 2 years ago. If I could cancel these cards I would but it would hurt my credit more canceling these cards then just keeping a low balance. The start of my problems occurred when I deployed in back in April 2019. I had to mail in documents showing that I was deployed in order to lower my interest rate while I'm deployed. I had to do this because credit one doesn't have any email apparently. So customers cannot scan documents to this company. Anyways, I continued to mail in documents for the next couple of months and someone in their mail department kept either losing my mail or shredding it or threw it away. One time you can be okay with but 4 separate times is ridiculous.

On October 30th I paid a payment for November, however I was charged a late fee for November. When I called customer service about the issue they credited my account back the late fee. I asked the representative to close the account, she told me I needed to pay off the balance which I did in order the close the account. I was told that the 25 dollar credit would be mailed to me in 30 days. Today I had an odd feeling so I signed into the account only to find I had been charge 7.12 so I called customer service to find out what the charge was from, she said it was an interest fee???? How does a closed account incur interest. So I demanded a letter stating the account was closed and expected a refund. This is crazy and a scam. This company needs to be shut down.

I've had a credit card with Credit One bank for five years and never been more than a few days late, 3 or 4 max. This is because I pay with a ck. not online (old school). My credit bureau shows never past 30 in five years, and I always pay more than the minimum payment. My credit limit was only 1300.00 on this acct. and all my other accts are 5k to 10k limit so this a.m. I called for a credit line increase and the man was so rude stating that I've been late 4 times in the last 6 mo. which is total B.S. and when asked to speak to his mgr. he put me on eternal hold. I called back, paid my 200.00 balance and closed my acct. and will never reapply for anything with Credit One bank. I called American Express and opened an acct, instantly with NO credit limit, my credit was so good. 5 years I was with y'all and this is the way you treat me... NEVER AGAIN!!!

I received offer from Credit One Bank and got approved for 2k limit and when my card came they charged me for the whole year annual fee in advance. I paid that off without complaining and every month I pay my balance min 10-15 days in advance, but every month I still see balance on my account. When I call back to support they won't be able to explain it at all.

My only reason for applying for this card was to pay for work-related hotel expenses. They gave me a $200 cash advance without me asking for it, I returned it. I got a refund for a web site membership in July and had disputed the charge because I had received no response from the website's customer service despite several attempts to contact them. Paid the card off later that month and asked it to be closed. They informed me that I had lost the dispute and charged my card $160 on August 2nd without even telling me!!!

Stay far away! Terrible agreements with way better options out there. I applied for the card and was approved, after reading the terms I thought better and opted to not even activate the card, couple days later received my first bill. Lol got a bill before I even activated. Anyways called up to make sure my account was closed and the representatives couldn't speak plain clear English. They tried to up my credit line to keep me but I refused and asked to have my account closed again. He very quickly rambled something off in his broken English with an attitude, which I didn't understand, and as I was asking for verification that my account was closed he hung up on me.

While I appreciate Credit One as a company willing to give credit to those with bad credit, a find it a MAJOR con that they downright harass you about late payments. I mixed up the dates on when payments were due on my cards and paid one a few days early, and was late on the other. I would have caught my mistake a few days later and paid it before it showed up on my credit history as late, but I wasn't given the chance. THE DAY AFTER my missed payment was due, I started receiving calls. I keep my phone's ringtone on while I sleep due to the nature of my work, and I received SEVEN phone calls between 8 am and 1pm ON THE SAME DAY.

Open a credit card with this company to help rebuild credit. I have made two payments online using checking account information and both were sent back. This is the Credit One's bank fault not my checking information. I went ahead the first time and paid fees involved with that payment being returned figuring that maybe I entered something wrong in the information so instead of using my checking account I deducted the first payment out of my savings and paid the fees however when I went to make the second payment using my checking account again it did not go through again.

I had a credit card with them and decided to close it. Years later, my credit score suddenly dropped and when I checked it, I realize that I had ANOTHER different credit card with them that I never even received. Now I'm living abroad and it's practically impossible to communicate with them to close that credit card. Meanwhile, they continue charging me money every month with no reason at all. ** crooks!

I have always paid Credit One Bank on time, out of the SAME checking account, although I always paid by debit card. I made an Express pymt. a couple weekends ago, but for the first time noticed the option was there for a direct payment out of my checking account (like PayPal offers), so that's how I paid. BIG MISTAKE. Though the payment WAS in fact deducted FROM my checking account WITH NO PROBLEM, my card was suspended until I provided THEM with a letter from my bank confirming that it IS in fact my checking account!!!

I have been asking to have an authorized user removed since 11/8/19. I was told on 11/8/19 it was completed, and I would receive a letter stating the user was removed. I called on 11/12/19 due to not receiving the letter and was told the user was still on the account and it had been a glitch and not to worry. They were fixing this and the user would be removed, and I would get a letter and to call back in a couple of days. I called 11/14/19 and was told the system is still processing the request and to give them a few more days and it would be completed. I was told to call back on Friday. I called back on Friday and they stated the user was still on my account and that they were closing my account.

I have had my card for a few years, I made my normal payment no biggie right! Wrong! I go to make a payment using my debit card. It's declined. I look at bank statement and Credit One withdrew that same payment twice, resulting in my account being overdrawn, if this was just a few dollars no big deal but almost 700 dollars. I instantly called credit one. Was told they only processed one payment, im like no you did two, was told to call my bank, i did. They gave me two trace id numbers and told to call credit one back and give them the numbers.

I applied for their credit card that uses the American Express system. Has a $39 fee but thought it was worth the fee to reestablish credit. I wasn't immediately approved, said they needed more information. Received a letter a little over a week later asking for proof of identity. I returned a copy of my driver's license and social security card as that is what was specified. Three weeks later I receive a request for w-2, pay stub & utility bill. At this point I feel like that are making me jump through hoops for what may turn out to be a $500 card with a sub rated bank. I think I will pass and am sorry I sent the other documentations. After reading other reviews, I'm glad I didn't get the card. Beware of predatory companies with terrible customer service. My call after applying to see if I could email or fax information was handled by poorly trained and rude customer service.

So I went to make a payment in October by phone. The automated system says, I had no payment due at that time. My next payment was due today, November 8th. I received a call from them earlier today saying I was 31 days late on my payment. Smh! They say my $30 payment wasn't enough and that I was supposed to pay $33 and some odd change. So they are saying it carried over to the next month. If this was true, why didn't the automated system say that when I tried calling to make the payment in October. Not only is this a bait and switch company. They give you low limits, charge extra fees to pay by phone, and they ruin your credit with their unscrupulous practices. All someone from the company needs to do is come here to see all of the complaints. The representative was neither helpful or fair. Neither was the supervisor. They should not be able to get away with ripping people off and ruining their credit. It is neither fair or right.

I just received this card Oct 2019. My first payment was due 11/08/19 but I paid half of 400.00 on 11/01/19, it' shows paid BUT NOT showing "credit available" as of yet (?), not even from my bank account, I AM getting VERY NERVOUS. My only other issue is I can't even call them because I am deaf and can only use texts or email. Any opinions? Please?

At home one day, mail comes. Credit One envelope addressed to me is in the mail. Open the letter, notice that it's a typical (here is your card), call here to active type of thing. Not the least bit interested. Cut the card up, throw it away, continue my day as normal. 1 month later, get an unexpected bill from the same company Credit One, for an account that I (Never opened) for a Card that (I cut up, threw away and never activated). Am I missing something here? How can someone get charged a fee for an account they didn't open, for a card that was never activated, for a bank they didn't even know existed? Again, am I missing something?

The customer service department is by far the worst! If you happen to be behind on payment by as little as 24hrs the harassing calls will begin. They have called constantly 4-6 times throughout the day and even call during the weekends. I just got off the phone with one of them and I must say I am so happy that my final payment is in the mail and my account is closed! (Btw they will close your account without warning and send out your statements late.) They don't even bother sending emails or warning letters. They just call and annoy their customers instead. This company functions more like a collections agency in regards to customer service.

While on a trip to Europe a card issued by Credit One was stolen and used in a different City than the one we live in. We never touched the card, or saw the card. Credit one is stating they investigated saying we used the card. This is a physical impossibility as we were in EUROPE during that time. Crossing the English Channel at that time. We have filed a police report and even provided our other credit card copies and ATT cell bills showing us using our phones and other credit cards at the time the stolen card was used. This has impacted my credit score and other credit limits. This company is a nightmare. Stay away.

I signed up and got a credit card from Credit One Bank. I’m having some issues with my credit and I was looking for ways to improve my credit score. They approved a credit card for me at A maximum amount of $300 however they do take $75 of that money right away so you’re basically only getting $225 credit line. I used the card because I was out of work due to no fault of my own for a short period of time. My first payment was due and I believe it was $25 that was the minimum balance. I didn’t have too much in my account so I paid $30 on the Credit One app. It showed that I paid the $30 on the app for several days. After realizing that the money was still in my account I went to the app and I was locked out and it said to call customer service which I did.

I closed and paid off my Credit One card 6 mos ago and opened a credit one card with a lower credit limit. I keep getting statements re: my closed acct monthly even though I've called and have proof in a letter they sent. I called yesterday to once again try to get this fixed. I called and had the same problem with a female rep I've had before with her rudeness. She wanted my full social security number in order to help me even though I gave her my last 4 digits, address, phone number and password. I've talked to other reps before who have been able to help with last 4 digits only and no credit card company asks me for my full SS # anymore just last 4. She stated she was then not able to help me without my full SS #! I asked to speak with a supervisor she put me on hold into utter oblivion because after 10 minutes no supervisor came on the line. Did she perhaps not want to get in trouble? I hung up and called back.

I received repeat emails inquiring about a check that should have been received for $250 and instructing me to cash it citing a $20 cash advance fee. Thinking it was a loyalty reward, I did so. Turns out it was just $250 that posted to my statement balance + a $20 fee, which was then reported as used credit to credit bureaus. Despicable business practice with misleading marketing. Don’t use this company.

So I made a payment in full using their express payment service. I got billed twice for the fee!!! $20 for a $300 payment. I called customer service 3 times and each time they told me, "Yes that is correct." I didn't agree to two fees. I only agreed to one fee!!! How is this even legal? On their website it says a fee of 9.95 for express and your credit will be available within 24 hr. FYI that is a lie. Over 5 days later I am still waiting for my credit but the best part, cash has been withdrawn from my account already. Wow so if you decide to get a Credit One card customer service sucks and no one speaks clear English. They can't help with fees nor do they listen to customer's concern.

My husband and I both have credit one cards. I made a payment last month and it got deducted from one of our savings but not the correct one. I called to try clear it up and they said I gave them the incorrect numbers. I told them I had spoke to their rep and gave her all the numbers right off paperwork. They did nothing to help me. I got a 25 fee at bank, a late fee from them and negative the amount I owed. The next time I paid they did it again. I called again and still no help with fees, took info again on correct numbers and supposed to take all other account info out. This week it's happened for the 3rd time. We will never open another account thru this company. It is the worse for cust service. Won't fix anything and refuses to help you with issue. Have to pay 9.95 to pay with my debit 'cause they evidently just want to screw you with fees at your bank and with them.

Customer service is a 0 out of 10! Out of every business you can complain about customer service this is the worst of all in 2019 / 2020! Why would anyone work for a company who only says "I'm sorry". My payments are on time and they have a false fraud report to my card and my wife. Impossible. They are in trouble and are going to blame good standing accounts for them buying to many yachts or hookers or something.... talking to them on the phone is pointless. They will repeat everything and they hire anyone who has no soul or conscience. Do not hire anyone who worked for credit one! The bottom of customer service is Credit One. Can we expect more please....do you remember 1800 collect scam, AOL and reviews of comcast before they listened to customers...this company is why America can never be great.

This is the worst experience I have ever had with a credit card company. It seems no one there understands English and the supervisors never call back. I applied for a card over 2 months ago and all I get is "Your card is pending." I have emailed and faxed all of the information asked for but I can never get a clear response and sounds if they are reading from a script.

Too angry to write. Just please stay away. There are much better cards out there to rebuild credit. This company needs to be shut down!!!! This card exists to steal money from people. I don’t know how these scammers sleep at night!!!

I did the right thing and changed my address online and lo and behold they charge 39.99 to do so. So I called and asked why they did this and she told it has to go thru a 3rd party. Stupid so I paid and closed my account. This was very stupid trying to do the right thing and they take advantage of your honesty. Their loss.

I received a new Credit One credit card. I never used the card so I didn't register it. Within 2 months, Experian advises me that my FICO got hit due to late payment. I register and learn I've been charged $130 in late and other fees. Total scam!

I called about a missing card in my online account. I can no longer access or pay this card online. I called to see what was going on and the lady on the phone basically said I cant access my account because she cant verify who I am. I gave her all my details and then she proceeded to ask questions. I never picked any of these question for my account. I can't pay my bill and no one can help me! How is this even customer service. If you can't access my account and I can't access it how do expect payments to be on time or even go through!! This is the worst company I've ever dealt with!!

STAY FAR AWAY FROM THIS CARD AND THESE PEOPLE! I hate to be so unprofessional with my review, but I am beyond pissed off with this company. It's what I deserve after reading such bad reviews on the company and card to begin with and going along with it anyway. I needed a secured card. At the time, I didn't qualify for a Capital One Secured Card which was recommended. So I went with this 3rd world, back alley, shady, company. NEVER do it. I applied for the card. Honestly everything was going great up until the end. There was fraud on my card -- it was from Amazon, someone had charged the card over $200. Obviously I immediately called them and informed them of this. The only good thing they've ever done was issue me a "temporary credit" of the lost amount (which took almost 3 weeks to put through) and gave me a new card.

DO NOT CHOOSE CREDIT ONE CREDIT CARDS!

Put it like this. This company will make mistakes and want you to pay for them and then I realize that you're someone who catches on. They will begin to suspend your account keeping you from accessing what it is you actually owe. Just to think if I had no account access I would never have known from the start of the wrongfully late charges. Hate this company.

Let me start off by saying I didn’t have this card to properly form an opinion about how it works. I got a preapproved offer in the mail around June 15th 2019. Signed up that day. Said my card would be shipped and received by June 30th. Did not receive it, called customer support. They sent another card out. Waited two weeks, nothing. Called again. Sent another one out. I actually got my last 4 digits this time. Two weeks pass. Never got it. Called to cancel because they're playing too many games. Do not bother with this company. GO TO CAPITAL ONE. I got my card thru them within a week. They approve basically everyone. I have NO credit and they approved me.

I had accidentally forgotten to write my acct number on a certified check, I did however include the pay stub. I called customer service and spoke with 5 different people who did not speak english and was told 5 different things. My question was this: would they still be able to process the payment without an acct number listed, and stated that I did include the pay stub.

I reported unauthorized use of my card in a timely manner & they still REFUSE to pay for the FRAUD, their lame excuse is it was used in the same geographical area. I told them I had 2 debit cards with unauthorized charges and they said fax them the proof of the other FRAUD as they have no email to send things to. I've been arguing with them since March and me refusing to pay for things I didn't charge has dragged my credit score down from a 625 to a 522. WORST CREDIT CARD EVER. A $300 card is now over 400 due to late fees and interest on charges I didn't make. WHO can I report their unethical behavior to??

First of all they outsource customer service overseas and every single rep I have talked to speaks broken English with a thick accent. You'll have to repeat yourself 5 times on every single question they ask you. They closed my card without me knowing and no valid reason could be given. Telling me the balance over the phone and will lock your login so you can't see it for yourself. They also refused to mail me my statement so I could see it for myself. Waste of time. Overall 1 star rating, I should have looked at the reviews first. The most shady company I have ever come across. Save yourself time and headache and get a secured credit card or try Capital One. Please, please don't get a card with these scammers.

I just got the credit card last month and my has a joint one as well. Long story short I tried to close the account several times but it’s always something with these guys. He told me my account is close but I will still get statements for 3-4 months. Tf?

Do not sign up with this company. I thought using them would help my credit, but instead knocked my score from 700 to low 600s due to late payments which is not true. They put a late payment and penalty on my account on a zero balance except for an 8$ annual fee paid monthly. That's how they get you. I thought I had a zero balance. They report to the bureaus as soon as you are a day late. This is the only account on my report that is showing late payments. Called them and they would not remedy so I closed the account after fighting with them and being transferred to multiple managers.

I have been a customer for about 3 years. Had never had a problem. Paid my bill every month on-line thru the app. I hadn’t used my card in a few months in a effort to pay the balance down. I new the expiration on the card was coming up and had received a letter about my new card and if I didn’t want a specialty card my new card would be coming in a few months. I didn’t think anything about it. I always go back on to make sure my payment was credited and noticed the available credit was $0. I thought that’s not right so I pulled out my card and saw that it had just expired. I called customer service to have the new card sent and was informed that the bank had closed the account. So I inquired as to why it would be closed. The representative told me that I hadn’t used the card in a couple of months and wasn’t paying enough over the minimum payment so they closed the account.

This will be the second payment I want to send in to Credit One, and suddenly they want to verify that my pay account is legit by making a few small deposits that will be available in the next few days. However, the bill is due in three, this procedure will make the payment late, so they can charge a fee. They also make sure that you are unable to set up Auto bill-pay through their website. This is a service they do not offer, because they want their customers to pay late, so they accrue late charges and fees. This is definitely a third rate predatory lender that purposely makes it impossible for their customers to reach out, and even pay their bill. All they want are the predatory fees. Stay away! There are far better Banks to use to re-establish one's credit.

I had someone hack my account by calling Credit One who allowed someone to change my address. Once they changed the address, they requested new cards and then made payments on my card and then used the cards. When I called to report the fraud, I had to verify my information and provide my security answers. When I asked why they did not verify security answers when someone is requesting an address change, they had not response. Now I am trying to make a payment on my account (which I have closed) and it is stating I have made too many payments this billing cycle and therefore, cannot make a payment.

I made a payment August 28th 2019. They pulled out my money from my bank and have the audacity to say I did not make a payment. I spoke to every manager. They treat you like you are lying. I have sent them my bank statement showing them I paid and they got the money!! They still gave me a hard time and they continued denying that they received a payment. They are so disrespectful!! Am so offended. Am going to file a claim on my bank account that they are fraud!! Stealing money from people is messed up. They need to get their ** together!!!!

I had a problem with a false charge (scam) to my account. Their customer service number is automated and has no option to speak with a person. I had to go through fraud option just to speak to a human. The person answering had such a heavy accent It was very difficult to understand him. He told me I had to write a letter (hard copy) and send it through US mail to start a dispute. How antiquated is this approach???

I forgot I previously paid off this credit card and closed it out a few years ago because they were horrible. When I got the offer and accepted my new card, it only came back to me that this was the card company when I checked on my application status after almost 3 weeks and saw they haven't even shipped my card yet. We live in a digital and technological world now. It does not take 3+ weeks to mail a card. When you call, be prepared for a very aggravating conversation with a rep overseas.

I have had this card for years, last year I paid my balance down to 0$, every month I am billed an annual fee of 8.25$ if I forget to pay this because I literally have a 0 balance. I am charged a late fee of 35$. Basically I am paying fees upon fees for a card I never even use. Do not give this company any business. They are a fee driven service. They harp you with collection calls from India for 25$ overdue, and when you need to talk to someone it is merely impossible. Everything is automated. Highly dissatisfied.

I have used them years ago to regain credit; it helped. But when it was time to leave; that's another story. Make sure you send them in writing certified mail and make no purchases for two months and ask for a new card to make sure no unforeseen charges get applied. This was back in the day every charge had a service call connected to it...but they are in the business of keeping you in financial whole; not helping you.

When my card was set up I entered my banking information to make payments. I found it rather ridiculous that there was no way to enter my debit card number because they DO take debit card as a form of payment. I must have made a typo with the routing number, that was my fault. However, when the payment didn't go through my card was closed. The card closed, problem solved, payment made and card reopened a full 2 weeks before I was even notified of the problem!

Listen to this folks, my entire family just came down to live in GA, so we all have the same last name of course and do live in the same house under one address, so I applied for a credit card. They approved me but the next day wanted identity proof and address proof, well I made copies of all documents that were requested and mail it where supposed to. I waited 2 weeks and no call, no email, so I made a call asking what is going on. These jokers told me, "Oh we did not request any paperwork from you, your application was declined!" Can you believe this BS. Anyhow so I let it go.

I applied to Credit One Bank last year, trying to build my credit. At the time it gave you a $300 credit limit and there no signs of the added fees to the card. I spent a good portion paying for groceries and helping getting my car fixed. Now as I mentioned, the credit limit is meant to be $300. What they don't inform you of is the $75 fee, just for making your first purchase. So at the end of the first month, I owed $325, because of the added fees and interest. I tried to contact Credit One to receive some answers. You soon find out that the "company" is a scam company where they and certain other "companies" will give you the opportunity to receive a card but charge you almost 150% in interest just for making that first purchase. They also charge you $99 a year, over the year.

Don’t apply for this card...even if your life depends on it. I applied and was approved but never received my card in the mail. When I called to tell them, I was told they would “look into it”. A few days later I received 4 pieces of mail, all with different inquiry numbers, telling me that I could be approved for a card because...You have an account with us that is either still open or is unpaid. Seriously?!? Is this for the card I never received?!?! Funnier still, the “customer” guy, who is obviously ESL, tells me to just wait a couple of weeks and reapply!!! I hung up and attributed that suggestion to language and cultural barriers and not insanity...because I’d have to be INSANE to ever apply for this card again!!!

I have credit around 650 and am working on raising it so getting a credit card. This company sent a letter saying I was preapproved for $2000. I got the card and it has a limit of $425 credit and $125 cash advance. They charge an annual fee up front of $75 on the first billing cycle plus $19 to add an extra card (for my daughter). I spent around $400. And went to check payment due date from the customer service number on the card. They said I owe $535.41. I checked online to view my statement for transaction history but it only showed the $94. No transaction history and didn't explain that charge either. The representative I talked to next from the customer service number said she didn't know why my transaction history wasn't showing up. That I needed to call the tech support on Monday. Closed weekends. I decided to call back and just pay since it's due on the 18th. Which is weird also since the billing cycle ends on the 22nd.

I was invited to obtain an approval with Credit One Bank for $1000, but the card came with only $300 and a $39 annual fee. I used card couple times, paid off entire balance first month but they would not release funds for 7 days even though their website showed my account was updated following day. I tried to use card at McDonalds for $17.00, but Bank One only allowed me $15.00, they placed a limit on me even though my online account with them showed zero balance and last statement paid in full. I called customer service which they don’t advertise or list in their automated system, you have to hit “0” to get a live person. They told me my transaction for the McDonald's was paid for the $17, but online says only $15. I had to used another card with my bank to pay balance of $2.00 which I have receipt for. They would not cancel my account, very unhappy with company and customer service. DON’T USE THEM!

HIGH INTEREST RATES: I would not recommend this card. It was easy to get, but the interest rates and credit protection charges are high. So, it's really hard to get ahead if you're trying to pay down your balance. For instance, after 6 months of making just minimum payments, I only paid down $150 out of $1,500 total.

I was charged return payment fees 3 different times and a late fee charge by them and when I called for reason why I was told because my account I entered was incorrect. I told them that I use this account and debit card for all my payments and never had an issue. They had no explanation on why other than I owed them the $122.95 in fees. So closed the account. THIS COMPANY IS A JOKE!!!!

The number provided for their customer service department is incompetent. You can call multiple times and get different answers each time. Other banks are far better when it comes to taking care of fraudulent charges. I have been trying to dispute a charge for a few months and they haven't been at all helpful. I will be closing my account with them as soon as I have it taken care of.

I got a pre-qualified offer for a Credit One Bank Credit card with a credit limit of $1000. After I applied I actually ended up getting a credit card with a limit of only $400 and a fee of $37 was immediately applied just to open the card. The fee was immediately due. It's impossible to contact customer service & to close the card. There is NO message Center via online. There are unnecessary yearly fees with no rewards. A very useless credit card.

I contacted Credit One bank customer service representative and he told me that I need to cancel my credit protection plan to get a cash advance. I called the credit protection plan to cancel the service and the next few days after that, I received a document that had available credit. Then the next day my account was temporarily suspended. Had I known that I would have never cancelled my protection plan. I never thought credit card companies would give misleading information. Now I will start receiving calls from a collection agency. I will never refer anyone to this credit card company.

I opened an account thinking that it was a good company, I was wrong. Once I opened the account and provided my banking information they did the usual account deposit and withdrawal and ask you to verify the amounts. I did that online. Then they suspended my account and sent me a letter requesting that I go to the bank and get a letter of verification that it was indeed my account. I did that and mailed it to them. My account was still suspended. I called and was informed that I was late on a payment, mind you that I had yet to charge anything on the account. So I provided my bank account information and they accepted the payment. My account was still suspended.

I can't pay my bill online or over the phone. I'm very upset. Now I'm going to get sent to collections. I should have never got this stupid card. Thank you Credit One for screwing me over. I will never go though them again.

I got a card with Credit One Bank because they sent me an invitation so I went through with getting the credit card. I used the card for ONLY one purchase which was an Uber ride home from work on a Wednesday. So Friday I called to make a payment. The lady told me my balance is $83.06 for an Uber ride that cost $8.06 so I'm paying $75 dollars a month for a credit card that's **. So I paid the money owed and closed the account I would never get a credit card from an unknown company again. And I tried setting up an online account but there website had an internal problem I found out by calling customer service and spoke to their tech department.

Credit One charges you a yearly fee. This I did not see prior to getting card - my fault not theirs as it is in the fine print - but once you have the card you get the charge regardless if you decide you do not want the card. So I figure, my bad, and I pay the fee. But then I get billed 1.31 for interest on the 75 dollar yearly fee. So I pay the total once again. Now I have yet to use this card. I don't even want it but I am stuck with it so I will make it the emergency card. So I paid the yearly fee in full. I paid the interest on the yearly fee in full. Today I get billed yet another 75 dollar yearly fee. I try to contact their customer service but I get dead air. Now what? If I do not pay this extra fee my credit (which I am trying to improve) will take yet another beating. This is not good. Not good at all. Set up for failure is what it is.

I had a bad experience when I contacted customer service. Jeff starting asking all these security questions. As I was giving him the information his the tone of voice change when I was trying to give him my password which I thought was unusual. Finally, I told him that I wasn't too happy with his poor service, he apologized several times and I requested someone else or a manager, instead, he assumed that I speak Spanish and he ended by transferring to the main menu where there was Spanish assistance.

I have had Credit One Bank for a few years, and I don't know when they decided to send over their customer service to the Philippines! So hard to communicate with them and they don't ever know how to answer simple questions. Also, beware of this card!! In 3 different occasions my card was being used in other countries, took almost all my money available. Also for some reason my billing address was completely different than what I submitted. This card was easy to commit frauds and charges! Stick to a bank that is well known, this one will cause problems!! Also, I don't know how hard it is to close an account. I called and it was a nightmare to close it!!!

This bank is fraud they apply false service charges late fees and lie. I caught them then they removed the charge but that is not good enough. These unfair lenders need to be stopped. I was charged 60 annual fee the same day I paid off any balance on the card then 10 days later I was charged a 28 dollar late fee but before that they suspended my card. They said due to non payment but the card was paid in full. Then customer service proceeded thru 3 managers and in the end the guy was yelling at me. I told him to cancel the card and they back tracked. Finally I got it cancelled but they still charged me an annual fee even though I paid the fee in the beginning because they gave me 600 credit but charged the fee to the card so my available credit was only 510 dollars. What a freaking burn.

I was approved for a credit card with Credit One Bank almost three years ago. It was great to be able to qualify for a credit card after being declined by almost every other bank due to my low credit history. However, I am dissatisfied with the level of customer service. You are unable to call in and reach a live agent who can assist you with your account. Their online portal is very outdated and has limited functions. When making payments, it can take an entire week for your available credit to increase. You are charged interest regardless if you pay your balance in full!

I would not recommend this card, there are other cards that are similar that I got and have no problems. Fairly easy process to get the card, and very useful to have a card to rebuild credit, but after using it for months and making payments, once I used my bank account to pay instead of their high-fee debit payment option, they froze my account and require a bank verification letter to prove I am authorized to make payments from my own bank account? Keep in mind there is no problem with my payments clearing, but for some reason they said they think another family member is making the payments?

I will be paying my card off as soon as I can. First, the customer service stinks. I don't understand why you can't communicate via email or their website. Also, make sure you read fine print. They sent me a check for a credit increase and when I cashed it, they now charge you a separate interest charge on that.

You can have a zero balance with all of your credit available and your card can still be unauthorized at the POS. That is ridiculous. When you call, they may offer an explanation of "There was a temporary hold for suspicious behavior", however they can't tell you why it was suspicious. It's difficult to understand some of the reps' dialect which makes the call even more frustrating. If I am in my hometown trying to make a $30 purchase and have over $2000 of available credit, I need to know why my card was declined, in detail. Not just that they will now remove the hold. This card sucks. I will be paying it off, closing it and cutting it up. Save yourself the embarrassment and do the same.

On May 28, 2019, I received a call from the collection dept of Credit One Bank saying I need to pay 59$. I told the representative I would be paying it by June 4. I put money into my bank that pays my bill for Credit One then proceeded to take another 59$ on June which in turn gave my other bank insufficient funds which billed me 36$. I contacted them on June 12 about this. I spoke to a supervisor he told me to send in documents from the bank which I did to received a refund check so I can send back to my other bank to cover the fee. They claim they never received it so again I sent a fax on the 3rd of July to them. They received the fax today about the issue yet spoke with a supervisor named Janet. She told me they do not cut refund checks yet 2 other supervisors said they would. I'm done with bank.

Anyone who has a Credit One bank account should note that when you make an express payment, you are charged a $9.95 fee. But, what you didn't know is that the bank then charges your account again the same amount. Credit One has not released a statement yet but all cardholders need to look at their statements immediately.

My account says automatic payment when I log in and look at past payments, yet I was told by the representative that they don't offer automatic payments. Now I am past due and get literally 10+ phone calls a day. I told the representative that the fact that they don't offer autopay makes it seem like they intentionally want consumers to be late. She had nothing on that one.

I made 2 payments in the same month and Credit One blocked my card. They forced me to go to my bank and provide a verification account letter. They are unscrupulous and provide poor services. They said the reason it was blocked was due to their anti-laundering policy. When I provided everything to them I told them I wanted to cancel my card. They said if I did not wait for the validation to complete they would put on my credit report that the account was closed by the bank. I have to now wait for validation to complete before I cancel. I would not recommend this company to anyone. They appear to be quite shady in their business dealings.

I went out to Credit One website to make a payment today. I then got an error message that I have made more than 4 payments and I cannot make another payment this month. I called and said I want to make a payment. After talking to a manager I was told to send it in via Western Union. I am paying this off (as soon as I am allowed to make a payment again) and closing the acct. Is it even legal to not accept a payment???

I’ve been with the company for a while now, trying to build my credit but there seems to be a problem every time I make a payment. I made a payment on 6/21 with a positive balance, the payment was taken off of my bank card on the 6/24 all to end up with a negative balance because a payment from May “did not clear.” This is a scam, save your money and get a credit card with your actual bank. You will spend ridiculous amounts of money trying to build credit, when there are better ways.

We got this card to build my husband's credit. They charge you an annual fee but they break it up into monthly payments so you'll never truly carry a zero balance. Not to mention they charge you interest on that fee. A couple months ago my husband lost his card and it was found and used at a local gas station. We disputed the charges, got our money back and all was good. Until we got our new cards in the mail. I activated them only to discover that our cards were used again at that same gas station for the same amount as the first fraudulent charge.

I have 2 cards thru this bank. Had no problem until I made a second payment on one this month, I thought that would be a good thing? But since I had already made one online, pay all my bills online. It said that I could not make another payment until I verify my checking acct. again? I thought this was strange but it gets much worse. So I entered the 2 small deposits they made in my acct. And it said my acct. was verified. Now I can make another payment so I did, it just so happened that I had some extra money this month and wanted to pay down some debt. So I made the 2nd payment. When I checked my checking acct. I saw that they took out 3 payments instead of 2. So I call them, always get the same man I can hardly understand and it seems like he's the only 1 who works there.

This card is easy to get approved for, then it's a nightmare. High rates and if you pay too much they lock you out of your account and make you pay by phone and try to charge you a ONE TIME FEE every time you pay by phone. You cannot set up a automatic withdrawal. Customer service just reads off a script and cannot help solve any problems. Will not lower interest rates. This is a BUYER BEWARE card. Go with another company.

I have been a customer for over 6 months. Never missed a payment. Even paid twice a month. Received advertisement when I applied that stated line increase After 3 on time payments. I have paid 6 on time payments and denied increase. Spoke to manager John who called me a liar and said the computer tells them when to give increase.

Worst ever. We sent our payment in 4 times and they keep rejecting them. I called. They said it was our bank so I called our bank. They never got anything nor seen a declined transaction so I called them back to explain to them and all they keep saying is "It's not us. Call your bank." So I then asked for management. Was told no one was available. So I said I would wait. I waited over a hour for one call to get disconnected. Called back. Waited 45 mins to be disconnected.

Credit card protection is not worth the money. I have paid it for many years got layoff and didn't call the day after the layoff. If I had called it would only pay the minimum balance for 6 months. However, they will continue charging an annual fee, interest and credit card protection fee and your card will be frozen so you can't use it. It cost me about $15 per month for 3 years ($540,00). The only benefit is about $60.00, not a good purchase.

I received this Credit One Bank credit card the first week of May 2019. I have had nothing but problems! I made 4 "express payments" which they charged $9.95 for each and now that I want to pay off my balance, I cannot not do an express or standard payment. Because according to them, I have made "too many payments in 30 days." I have now been on the phone with them over an hour battling to pay my account! I have spoken to 4 people and was supposed to get transferred to "a manager" and instead got hung up on! I'm beyond furious! I can't pay a balance of $395.11 either from my bank account or using my debit card! The last guy told me to Western Union the money or mail it! What??? Who the hell sends money Western Union? Let alone write a check to be mailed?? They have my bank account info on file & still I cannot make a payment until after June 12th? Stay away!! Still on hold waiting for a manager!!!

So unprofessional. Please go for the capital one card!! I Paid my account online line before the cut off time. They charged my card a 25.00 late fee. I asked them to look into the time posted. I always pay on time. They would not remove the late fee. Please stay away from them.

I was reviewing my account (which I am actively working on paying off as this credit card company is nothing but thieves) and noticed a second card was on my account... Weird... I never applied for any card. Then, that card has a $60 fee on it just because. I have never seen this card nor do I have this card in my possession. I informed the company and they say they are escalating it to their fraud department. I refuse to pay for a card I do not even have and did not want. This company is not reliable and not trustworthy. Save yourself a lot of time and effort and avoid Credit One like it is the Plague. One of the shadiest companies I have encountered. Save yourself time and money and if you see "Credit One", run away as far as you can. If a card can just be activated without my knowledge, their security is a little more than lacking.

This card is a scam! They charge you a monthly fee of $6.25 (Even if you never use it) AND they charge you a yearly fee. It may be an easy card to get to rebuild credit but if in the long run you will wish you never added it. Additionally, I had over a year with of these monthly fees and no credit card charges that carried over from month to month. Customer service LIED to me and said that instead of closing my account she would give me 6 months of not monthly fee. Next month came around and I got charged. Interestingly, the company had NO record of this conversation and stated there was NO offers on my account. I paid my last 6.25 and closed the account. NOT WORTH IT. SCAM!!

At first, this credit card was amazing. We got the card, used it, paid it, all was great. Then, we had some financial issues that prevented us from making payments in full and we got a month behind. This is when the harassment started. I'm not talking several letters and all, I'm talking 15 calls IN ONE DAY. No voicemail was left, nothing was ever said about who this random number was that repeatedly called me. I was checking Google, reading reviews, nothing.

I applied for the card and was told to expect the card within 7-10 business days via email. Upon calling, I was told it would take up to 4 weeks by an offshore employee. Why would any card take that long?

The card has the worst online services, rate and fees for any card I've experienced. In the end, the card isn't worth the time. Discover and Capital One provide better options for new users looking to build credit. Credit One (C1) charges fees because of non-payment, but they'll block online payment access days before your payment is due. This allows them to charge the fee. It's just a game to them. They'll also have "unexpected" online site issues around the time your payment is due. In the end, you can call and get the fee credited off but they activate these quirks to take advantage of suckers who are looking to desperately build credit. I honestly think this is the worst card with such limited options and perks, in addition, the stress isn't worth your time. Look elsewhere when building credit, even your local bank can assist. Zero Stars! JM.

I have had this card for 4 years paying the same way from the same bank account each time. They have cut off my card saying I need a bank verification letter stating that I am the authorized user on my account for a payment even though they took the money and applied it to my account. My bank manager called them and got instructions on what they wanted and complied. Now I must submit a new form from my bank (which Bank of America has no such form) and submit again prior to my card being turned back on. I have verified my identity with Credit One. My bank verified my identity. I paid the exact same way I have for 4 years. They took my money. Unfortunately I am dealing with the absolute worst customer service on the planet. Under no circumstance should anyone use these idiots. They should be investigated by the FBI and closed down. Worst, dumbest people I have ever spoken to or dealt with in my life. Hard to believe they are still in business.

Yea, sure it's great to build credit, however... Capital One gives more cash back and incentives AND Capital One had no problem furnishing my zero balance status letter within SECONDS when I needed it to purchase a home! Credit One took over a week to do so and gave me the run-around. They need to get with the times!! Payments take forever to process. They cannot email a status letter, only fax! AND they say to give them 72 hrs!! They will say it's sent but cannot confirm when and take another 48 hrs to resend if needed!?!? NOT WORTH THE HEADACHE!

Recently received letter from Credit One Bank stating my card was restricted due to suspicion of fraud. I had recently paid off the card. I made a partial payment from my bank and my wife paid the balance from her bank. The letter demanded a letter from my bank stating I was authorized to make the payment and that my wife should send a letter from her bank stating she was authorized to make her payment. If the letters were not received in 30 days my account would be cancelled and the credit bureau would be notified the account was cancelled by Credit One Bank. How bizarre! I am consulting an attorney.

I recently found out that my annual fees on both my cards with this company are billed monthly. I called them to find out why and if I have the option of having the fees come out one time annually (like it's supposed to be). The rep I spoke to the first time said the reporting bureau put a mandate on them to bill the annual fees monthly. I called TransUnion and Equifax (the bureau they report to) and I was told they don't impose these type of rules on the credit card companies. I called them back and demanded a better explanation. The second rep told me it's because they are trying to create an activity for me, so they have something to report to the credit report bureau every month in case I have a zero bal. (I want that zero bal!) I asked if that can be changed and if I have an option not to have my annual fees billed in installment all year long. He put his supervisor on the phone and she told me the same thing.

I’ve had my card for two years and have seen huge discrepancies between the mobile app when it pertains to payments posting and what the balance is etc. when you call customer service to ask why they aren’t able to walk you through your bill or the reasons why payments haven’t posted. I’m paying this off and closing my account ASAP. I got this card to rebuild credit, not to put myself in a credit payment cycle nightmare!

I have had this card for about 3 weeks and I'm already wanting to cancel it. The customer service is good due to never having to be on hold for too long. The issue comes with I decided to pay off my balance in full using their "expedited payment" which only released 100$ then they told me I have to wait 7 day for the rest to release. Well 7 days later they suspend my account and lock up my card for suspicious activity. Which they said my payment (My 1st Payment) was suspicious and I need to mail them a letterhead from my bank with the transaction showing and before that I had to call them 4 times all within an hour because they kept locking my card for "suspicious activity". If you get this car use caution because they will lock your card for every little transaction that you do.

I filed bankruptcy 4 years ago so one of the first credit card companies to contact me afterward was Credit One so I thought I try them. They have an annual fee so beware..after a year of being a member my credit card was hacked..Ii called them up and reported the fraudulent charges and they checked into it and got a subpoena and removed all the charges..

I have a Visa and MasterCard with Credit One Bank. Back in August 2018 there was a fraudulent charge. Bank closed the two accounts and re-open two new cards. Then they closed both accounts, restricted access to my account online and every month I call and make payments but I am not getting any proof (by mail statements or being allowed to access account online) that my payments are being put towards the open balance. Since they restricted the two accounts no charges have been made to the account in 10 months but balance on account is not going down. Call every month to make payment and have to go through two or three customer service representatives because they put you on hold "to investigate" and after holding for a crazy long time the representative usually then disconnects the call and I have to call and start back over.

This credit card company is great if your credit is iffy! But keep in mind that if you make your payments on time and have a 540 or better score stay away. Find a better card, they are out there. You have to verify your account payment method if you use the "standard payment" method more than 2 times in any billing cycle. This can force you to pay $5 to make a payment, especially if your minimum payment is due. Also, your payment using the standard method takes 3-4 days to be available for use. They are all about making easy money over the 25 to 30% interest rate.

Got the card because I had bad credit because of separation. After I established my credit again I decided to cancel the card because I had too many cards cards that give me a better interest rates. Call them up trying to cancel card. Waived the membership yearly fee every time I try to cancel my card. Told them to send me a bill in the mail. I have yet to receive a bill in the mail from this company.

I had both a MasterCard and a Visa thru C1 bank, approx 6 months ago I made 2 payments, from the same account, to pay off both cards. C1 bank accepted both payments and then asked for verification of the account used for the MasterCard account. Keep in mind they asked for verification on JUST the Mastercard account. I attempted to explain to their customer service that it was ok to pay on the Visa with this account but you're asking for verification of this account on the Mastercard. After TOO many calls to customer service and not getting anyone to realize the absurdity, I instructed them to close the account and send me the bill. I proceeded to pay the bill by check and C1 kicked back my payment. I’m through trying to reason with Credit One, do yourself a favor and find another card because any issues will not get solved!

They put a fraud investigation on my card and suspended me from using my card. I called to sort it all out and they need my bank statements and my ID faxed over... I did all they want and they said 7-10 business days and I should have access. It’s been over 20 days now. Still no access. Ugh!

I thought I was signing up for a Capital One card but I was duped and they are charging me an annual fee of $75 even though I never received a card. They are clearly pretending to be Capital One and I feel this is illegal.

I was charged twice for a returned credit. I was given a temporary credit of $248 which was reversed because Credit One determined I was at fault. This is a lie and I was given one option: file a police report. Now I’m being overcharged and I now have a balance of $566. Credit One is refusing to reverse this, I’m literally being robbed. DONT DO BUSINESS WITH THIS ENTITY.

I got my first unsecured credit card with Credit One Bank. For the first couple of months everything was fine. I paid my balance off in full. When I tried using the card they had suspended it. When I called they told me I have to send them my information in the mail. They also suspended access to my account where I can't even make online payments. I will never send payments through the mail so I now have late fees and derogatory remarks on the account. I honestly got so frustrated I let the account go delinquent. I plan on paying it off but they make it near impossible to do so. I don't recommend anyone get this card! They have no problem taking your money and then closing your account!

It's funny when you owe the bank money and you don't pay it in time, they go running to the credit bureaus, they charge you a late fee. But when they owe you money back THEY TAKE THEIR SWEET ** TIME PAYING YOU BACK. WELL YOU KNOW WHAT? PAYBACK IS A BITCH!

My wife and I have 3 of their cards and use them sparingly, we prefer to use Capital One cards. In March of 2018 I did use their card and needed to dispute a car rental for $449.63, they made me jump through a bunch of hoops as though I was the criminal and they still haven't refunded my money! I had to write a complaint to which they responded with phone numbers to reach them and the numbers aren't even valid! The letter they sent me with the wrong numbers also stated that they needed the following information and the information that they needed was left blank. I have tried numerous times to contact them and only get someone in the Philippines who I can't understand, I should have used my Capital One card or my Discover card, needless to say... I will be getting rid of all 3 of their cards and suggest to all of you out there... STAY AWAY FROM CREDIT ONE CARDS!!!!

I actually have two Credit One credit card. I have been a long-time customer. When they are logged in to pay the bill on them and I noticed one of my accounts was no longer linked. I called them and they said my account was locked and they wouldn’t tell me why. To verify my account they asked me questions like how long have I had an account and what day is my statement Is due. Well I don’t really know the answers to those questions because I do everything online so now they want me to mail a copy of my driver's license and a copy of my paper statement. They didn’t even tell me what address to send it to. As soon as I get this sorted out I will be canceling both accounts.

Credit One cards are a rip off. I pay so much on them monthly but still my credit limit isn't going up?? Where is my money going. It seems the money I pay is going somewhere else. I'm not happy with their cards at all.

Unsafe and data issues with no authentication and compliance failure. Maybe not regulated in the Philippines. Be cautious and do not call the number on the back of the card. I have my phone call recorded and it is unsafe to operate with this company. I have had a card for a year and never had a problem paying or accessing my online account. Until I had made a payment that wasn't even due for 5.00 and on the same day my bank notified me of fraud and stopped my debit card to protect my information. I called and let the Credit One rep. know of situation and they said, "No problem. Thanks for calling."

Have had the card for a couple of years with very little use of the card on my end. The only card I have that charges a monthly fee. When their mobile app changed I could not log on to pay these fees. They did not mail bill either. They do not send invoices but turn you in to credit burrow. There was NOT any charges on this card for over 1 yr on my end. Don’t get caught up with this outfit!!!! This institution is a scam!!!!

Credit One Bank defrauds its customers. Credit One Bank defrauds its customers more than any company I have ever come in contact with. Not only do they misappropriate your payments to accounts not currently open in your name, but they allow fraudulent charges to your account with no help to remove them. They charge you interest on top of those fraudulent charges, and even block access to your account. When you write to file a complaint, you are forced to do it on their social media sites, since they do not respond to any email correspondence. When you voice your opinion online, they block your comments. Their reviews speak for themselves.

I've had a credit card with Credit One for about 2 years now. I've only been late with a payment one time. They called me for several days all day long!! Then they charged me a late fee after the fact they had received my payment exactly on my due date. They gave me the excuse that I was charged a late fee because of the time my payment was received. Entrance rates are high and they charge you 8.95 each month. I cannot wait to pay off this card and never use it again!!

I applied for this card about 2 years ago just to up my credit score. Up until December 2018 I had no problems with this card and was even given a few credit line increases. But alas, in Dec of 2018 my card was compromised {stolen}. A bunch of online unauthorized purchases occurred, I contacted their credit card fraud dept and was told that they would investigate the fraudulent charges and in 90 days a decision would be made and I would not be held liable. 115 days later they closed the case and are holding me accountable for these fraudulent charges. I was told I needed to file an official police report and they would send me the transactions from Dec 2018 to present. They did send me transactions but only for the month of March 2019.

I have received literally up to 30 calls per day from various phone numbers associated with Credit One Bank starting as early as 8 am. I have spoken with representatives regarding the calls and they are still calling continuously. I have NEVER been harassed by a company before in my life until now. Now due to the harassing calls I'm considering closing my account with this company.

I was really in the negative comments on this site about Credit One, but I have to say I have never had any issues with that and I’ve been with them for about two years. People have to realize they are a small company and although I don’t necessarily agree with some of their fees they have to charge these fees for the company to grow they are not some huge company like Capital One or Chase. One thing people need to realize is they give credit cards to people with bad credit like myself. After my divorce my credit was ruined and nobody would give me a credit card except Credit One.

Applied for the card on 3/19/2019, as of 4/9/2019, I still have NOT received the card. Spoke with over 10 representatives that assured the card was sent or that they rectified the problem. My terms and conditions state that I should expect a $39 annual fee for the card, which today I was told is actually $70. It's really disheartening how corporations such as this lack of integrity in the way they handle business, particularly with those building or rebuilding credit. It's becoming more common that these enterprises are exploiting those who are trying to get things right or back on track, for their corporate gain, and unfortunately, the government is in support, as they are LEGALLY allowed to include clauses that waive your right to arbitration. The FBI should be investigating companies like THIS, on a regular basis.

They have a similar logo to Capital One and that's the company I thought I originally applied with. That stupidity is on me. I requested and confirmed the closing of this account on March 25th. I received email that account is closed on March 26th. On April 7th I get an email from this company that they made 2 small deposits into my bank account and I need to contact my bank then verify it with Credit One. This is why I closed my account. I told them they can't access my account when I did not request automatic payment option. So now I have to close my bank account and get a new number because of these idiots. I'm reporting them to my states Attorney General office but they probably will not do anything, but they should.

I have had 2 of the cards for around 3 years, paid my balance every month, never carried over a balance. Only twice have I had credit line increased and they charge you 24.99 to up your credit line app $250.00. I finally got tired of paying the monthly annual fee on 2 cards that I never use anyway and it took me an hour and 4 transfers before I actually was able to close both the cards. They do not take no for an answer, they will transfer you around, make you wait app 15 mins each time and I guess they hope you will just hang up. This company is nothing more than a scam, the owners should be in prison. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE.

Credit One Bank is an awful credit card, annual fee billed monthly, customer service is horrible, numerous calls (and no my payments weren't late) and they actually give you a hard time when you want to pay your card off, and don't even think about making more than one payment a month, they will freeze your payment and make you verify your account all over again just so they can get the extra finance charges. Stay away!!

The balance that showed on my online account was over $300 below my limit, but my card was getting declined due to insufficient funds. When I logged in, it said my recent payment had posted the day before, but my available credit was still only $19. When I talked to the person on the phone she insisted on reading off every charge to me, as if I was going to add it all up in my head, and continued to insist that my payment hadn't posted. Then she said that even though it had posted, I still wasn't going to have it actually available until three days later.

I’ve been paying my card down and the interest rate is so high that even though I am paying more than the minimum amount it doesn’t make a dent. Every question you ask about some type of help “I’m sorry we can’t, I’m sorry we can’t.” Oh and “I understand but there’s no other options or ways to help you.” I regret the day I filled out the application.

When I started to rebuild my credit, Credit One was the third card I applied and was approved for. They started me with a decent credit limit - for someone with very limited credit - of $500. After being with them a little over a year now, no missed or late payments, keeping a fairly high utilization rate, paying more than the minimum each month, and then paying it completely off with my taxes in one chunk and then leaving it be for the last month - I signed in today just to check on things, I was surprised to see 2 more offers than normal. Curious, I checked to see what they were and one was for a credit limit increase (which was approved immediately for another $200, raising my limit to $700) and the other was a pre-approved offer for a MasterCard because of my "good behaviour".

I have had this card for almost two years, no issues. I made a payment using their express payment using MY debit card that is in MY name to pay MY credit card bill that is also in MY name. They have now suspended my credit card because if the payment, marked it as fraud, and now I can't log in online or use my card. I have spoken with 3 representatives, two supervisors who told me they would "monitor" my account, and finally a "Manager" who said the same thing.

I got this card to help rebuild my credit. I would only use it for small purchases mostly and pay it off every month. In April I was getting BOMBARDED by phone calls form an *$$ number and looked it up to see it was credit one Bank which was odd because I had paid my balance at the end of Feb. I log on to my account and noticed it says I am past due with a $12 balance ($6 of which is a late fee). Evidently they charge you interest EVEN if you pay your balance off AND that interest charge is not reflected in your online total until your next billing cycle. I made a purchase at the beginning of Jan for $400, they charged me $6 interest the middle of Jan but did not include it in my online balance until I paid what it said was my entire balance on Feb 22. Consequently they hit me with a late fee on the "unpaid" interest.

Do not apply for this credit card. They increased my credit limit twice because I was paying on time and I just found out that they charged me $24.95 each time they raised my limit. I NEVER asked them to raise my limit. You can't contact an actual person in customer service and the only way to dispute a charge is to send them mail at some PO box in Vegas. STAY AWAY!!!!