Credit One Bank Reviews

I've only been on the first page of the reviews about Credit One bank, but I sure wish that I read before signing up because if I had I would not have. My experience is not as bad as most, as I canceled my card after making my first payment. I received my card and was able to use it just fine, but when it came time to make a payment things went south quickly.

I often try to pay my bills online using their website. It is often down and you'll receive a message that reads, "Technical difficulties" or something along those lines. I tried so often one time, that by the time I was successful, the payment was late and it was entered as late on my credit report. I called them and they said they would correct it. As of today, it is still entered as late on my credit report. I have 8 other credit cards that have a perfect payment record. I used this credit card to re-establish credit after my divorce. I'm going to continue to use this card, but I have something up my sleeve where I will use them and it will cost me little to nothing.

I have been using this card to lift my credit score and have been paying 1 month in advance of all my payments to be flawless to avoid possible interest rates accumulating. However, one day as I looked into my statements, they have been charging me Interest on my spending when I was paying my credit card off almost twice a month. I called and found out that the interest APR, is calculated for Daily purchase. So basically, if you buy something now with the card YOU'LL BE PAYING INTEREST ON IT for the DAYS that goes by until the day you pay it off. WHAT KIND OF FRAUD IS THIS???

I had my card for two years, as of this morning. This morning, I received a call, from Credit One, informing me that my card had an overdue balance. I told them that it was impossible because I had recently paid my card completely off in April. I then asked when my last purchase had been made and the representative told me that my last purchase had been made in February. He then informed me that the card came with "annual monthly payments" of $8.50 a month, as I had agreed to in the contract. I had never agreed to this. I then informed the representative that I would like to cancel the card. The representative then informed me that I would be charged an additional fee of $8.25 to cover "credit bureau fees". After agreeing to these conditions, I was transferred to customer service, and I'm pretty sure that I talked to THE SAME EXACT PERSON, but with a different pseudonym this time.

I went to check my bank account and all my money was gone. Credit One took a payment out for the entire balance, with an express payment (9.95) no less. Trying to get someone to help me was impossible. I called 4 times and got different people with different answers, which none were of any help. I finally just borrow the money to get me through and told them to just cancel the card, which they didn't. I had to call back again and have that done. PLEASE DO NOT APPLY FOR THIS CARD - THEY TAKE YOUR MONEY AND ACT LIKE YOU MADE A PAYMENT. Why would I clean out my bank account and give them all my money and my rent money. I see from other reviews they have done this to others. Beware!!!

I wish I would have read the reviews before signing up for a credit card with this company. I have a Capital One credit card and have had no issues for 3 years. I received a credit card application from Credit One Bank. I followed the process and was sent a card in the mail. I activated the card over a month ago, but NEVER used it. I received an email stating I needed to make a payment on my credit line. I log into my account and see I owe a balance of $101.54 for a card I have not used. As I am frantically going over my statement I see I was charged a 75$ annual fee for signing up for this thing and a 25$ late fee plus interest for not paying the annual fee just DAYS after getting it. Total scam. How do I close this account after I pay off (I was ripped off/robbed) this balance?

I had a Credit One card like everyone to help build my credit and because a lot of problems with this card which it can't be solve I close. First they said they would give me the money back of a fee they charged. They were supposed to give 15. They're so miserable that only gave me 7. Ok I let it slide because for me to get that fee back after it were their mistake. I had to speak with the manager who never wanted to talk in the phone and sent someone to tell me that's ok. I closed the account, went online, paid half, and one month other half. In the next month account was close. Can't used it.

I had a fraudulent charge on my credit card. Called and spoke to offshore rep, they wouldn't remove immediately, pending a 7 to 10 day investigation. He was to block the card and send me another. 5 days later I call to check the status and nothing was done. They claimed there was a discrepancy with the call. Fraudulent charge went from pending to posted. Escalated to manager, senior manager, and finally was transferred to the corporate office in Las Vegas. Las Vegas rep was actually in Las Vegas and very helpful. This was after 50 minutes of being transferred, but nonetheless, very helpful. The representative in the corporate office was nice and polite and understood how frustrated I was.

If you are like me and pay off your credit card every month - you will still be charged interest here! Any transaction is subject to daily interest charges. We opened this to use at Costco only and I recently found out I was being charged interest even though I was paying it off right away! In a month I did not use it? I was charged an "annual fee" that is billed monthly (???) and the interest for that annual fee! DO NOT OPEN or CANCEL YOUR CURRENT CARD! Customer service was a joke. Couldn't explain it. (That's because it doesn't make sense.)

Found out someone used my credit info to obtain Credit One Bank credit card. It was late many time I found out when checking my credit report I contacted them. Some person from INDIA was on the line told them it's not mine someone used my name and info to obtain the card and I did not live in Tucson AZ, I live in Phoenix. They said they will send me a fraud application, did not receive one. I called them again and told them I never opened this card and asked for the charges. Never received them then. I told them, "If you look on my credit report I have never been late in any of my payments and why would I take out a 1000 dollar card with high interest rate I have credit of 11,000 on my other card?" No help and now trying to get it off my report.

My fiance' got a letter in the mail that said "pre approved" for 0% APR for 12 months on purchases and balance transfers with a credit limit up to $3000.00. So he went to the site and put in the "Approval code" and his SS like it asked. Then continued the short application. After that he had to wait a week or so to get the what we assumed was the credit limit approval. He only got $1000.00 but that's not a big deal. What pissed us off is that when he got the card there was NOTHING about 0% APR on purchases and balance transfers. In fact there was NOTHING about balance transferring at all! That's the reason we got the card. We wanted to transfer a balance and have the 0% APR for a year.

This was my first credit card. I warn everyone, don't even use this company. Just build your credit with someone else. I have trying to check on my account for 3 days and I get a pop up that I temporarily don't have access to my account. I wonder why??? Probably because I am very close to paying them off. I have been making two or one substantial payments monthly. I set up to have a payment made a month ago and they took it and then threw it back in my bank account. I assume because I was paying way over my minimum pay where they really cannot charge interest much since I'm catching up to zero balance.

My husband wanted to build his credit, so he got the Credit One Bank card. After one billing cycle there were fraudulent charges from another state, going well over the card limit. We called immediately and were put on hold multiple times, hung up on and promised our acct would be sent to fraud dept after we called several more times. We demanded our acct be closed and that no further cards be sent. They immediately sent another card! They opened another acct in my husband's name and transferred the fraudulent balance to the new acct. Two more billing cycles have passed, many long phone calls and a police report and Credit One will not close the acct. There continue to be charges from another state. Someone is charging in another state, using my husband's name and they are sending us the bill. Calling FBI. Calling media. Considering lawsuit. Called police. DO NOT GET THIS CARD!!!!

I paid off my account with Credit One. The following month I get a bill adding on an annual fee of $45.00 and a $1.00 interest charge. I called them to close my account and take off the fees. The annual fee wasn't even due yet. He said he couldn't do that. I could barely understand him. I repeatedly told him to close my account with them. I paid other accounts off and didn't have any trouble with them. This is a very bad company to deal with. Don't get a credit card with them.

I got this car led beginning of 2016. Right away charged 75. I used this card one time for a purchase of 32. Overall I paid in 132 just to them with not even using the card. They remove fees then re-add them months later in hopes you don't notice. I needed a replacement after my car burned up with my wallet. They wanted 25. I said, "Really? Going thru a hard time and still pick and pull for more money." I cancelled on the spot. Don't get this card. It's a horrible experience.

So on 4-17-17, I was approved for a Credit One bank card as I am trying to rebuild my credit, well 2 weeks later I received a letter saying I needed to send in verification of my identity. I mailed in a copy of my driver's license, change of address, social security card and also my paystubs, sent all the info in and on 5-14-17, I checked the status it says it was approved and will update once card was mailed out. Well I checked today status didn't change but received a letter from them today, they want me to send the same information in. Like seriously you need my ID, SS card and utility bill again??? Why? I don't understand why I need it again.

I accepted an offer from COB for an unsecured VISA card. The credit limit was $500. Credit rating was 675 due to 17 years of credit inactivity. When I retired I decided to go to cash only and pay in full. So I accept their card and use it as I see fit. Always paid 2 to 3 weeks before due. Within 1 month of the card my credit rating dropped to 625. I continued to be patient and use the VISA as needed. I received cards from Discover, American Express, American Express Gold, USAA VISA and a MasterCard. All unsecured and all with a credit rating of 740+. COB never offered a credit limit increase and still kept my credit report at 670. I finally cancelled that VISA card and they cannot understand why. Stay away from COB...

Credit One Bank is a predatory bank that accepts clients with poor credit or clients who are in the process of rebuilding. Their initial offer is a $300 credit limit with an immediate $100 fee, meaning your credit card only has a $200 limit until it is paid in full. I understand low credit limits, but $200? However, that isn't what bothers me about Credit One. They are factually dishonest and unethical. Read a few reviews concerning their online bill pay option. A large percentage of people cannot use this feature.

I should have reviewed this bank before opening an account with them. They are thieves. I tried closing my account with them. I had my account paid off for two months. I log in and there is a fee. There was no balance to base a fee off of. I call them to close the account. I could barely understand the 3 people I spoke with. I told them over and over again to just close my account since you cannot do it online.

If only I knew what I was getting myself into! This company is a joke. They charge you express payments 9 dollars and you can't make payments over the phone. You only have the option to mail a check, Western Union or account payments but the payment won't post until days later!!! Days!!! I called to make an express payment. The girl charged me 104 when she only had to charge me $50. What the heck! That's not all you can't even understand them. Their accent is sooo thick. I have an accent myself but come on! It's customer service over the phone. Horrible. Can't wait to be done with this company!!! Never ever in my life. Hidden fees, slow system, bad service. They really suck!

This company... This company... This Company is horrible. First of all the reps are unable to assist you with resetting your password/username. 2nd they don't have their act together. 3 Not one person there is able to tell if you have paid your account or not since it does take upwards of 7-10 days for your payments to process on your account. 4 They are unable to give information e.g. billing statement date. 5 Their offers look exactly like Cap One. 6 If you make a payment over the phone they will try and charge you a fee, or you can send in your payments to a PO box in Vegas (fishy I think so). 7 They charge a set up fee of 75.00, so before you even get the card you are already in debt with this company. 8 They are just terrible.

Paid the card off month after month and pennies up to a dollar plus was continually added month after month. The last month I paid off 1.37. They terminated my account. I called to ask why and they said the bill was returned, they called my bank for proof that no such thing happened and my bank provided PROOF that NO SUCH THING EVER HAPPENED, they argued and hung up. WILL NOT TAKE ANY CALLS!!!

Every time since I got Credit One card, I try to make a payment king way before my due date and never I can go thru. Their website always is unavailable or shot down and if you call for make a Payment they charge you a fee. I think Credit One do it on purpose shot down the website for charge their customer for payments by phone or late fee for pay late because right away that's my due day past. The next day their website let you in. Very suspicious.

I am completely blown away!!! How a credit card company can get away with charging $99 annual fee plus 24.65% interest? I have had their card for 7 years and I never paid close attention to all the fees because I do everything online. I started looking at my bill closer wondering why it is so high and realized those sneaky you know what has been breaking down the annual fee and a couple little fees monthly and I realized I am getting ripped off to the fullest. I called and went through two people and a manager. They asked if I don't close my account they will waive the annual fee for six months, I said not good enough! You ** have ripped me off for seven years. So they put me on hold again, came back with they will waive six months prior and the next six months, long as I don't cancel my card. Can you believe this crap!!! Is this legal??? I plan to close this account for good!!!

I just got the card last month April 2017 and I'm already having a problem with them. Let me first start off saying that I did get the card okay and paid the 75 dollar annual fee. I had a credit line of $300. I went to pay my bill online in the month of May which was $25 dollars, which I had no problem paying. Then it takes 5 days to post. Who waits 5 days to post payment when it is ACH. That sound fishy. So, I waited and it hit on the 5th day so, I was not going to use it all.

I received a pre-approval letter from this company, thinking it was an affiliate with Capital One (similar logo, similar name, similar card design options etc...) so I went forward with the application. It wasn't until after I activated that I realized they market themselves closely to Capital One to lure people in. But since I let them hit my credit and got approved, I went ahead and activated.

This company is nothing but a pain in the butt to get a credit card with! I have had a card in the past with them so I decided to open up a new account... worst mistake I ever made! I wait 10 days for my card to arrive, and when it comes there is a number to call to activate the card. Once I call to activate the card I am then told they will need a copy of my driver's license and a utility bill in order to verify my address and then my card could be activated. After going round and round trying with 3 different reps with the last rep yelling at me and not listening, I demanded to speak to a supervisor. The supervisor understood my frustration so he said, after I told him I was not putting sensitive documents into the U.S. Postal mail to go only God knows where. He gave me a fax number to fax him the documents and that my card would be activated.

I received Credit One platinum card in the mail, when I called the number in the back of it to activate! I was transferred to customer service. After answering some verification questions I was informed that I had to mail in a copy of my driver license, SSN and a utility bill to some PO Box in Las Vegas, I found that to be sketchy. I hang up the phone and spoke to someone else that told me my account was under review for fraud. I was transferred to a fraud specialist that asked me additional verification questions. Then told me that another specialist would call me in 24 to 48 hrs this time.

Where do I start? Monthly UNAUTHORIZED fees - poor customer service in the Philippines!!! On hold for hours!!! Give out your personal information - Yearly fees that they charge interest on - can't pay off because they keep charging fees. STAY AWAY - they will steal your money and your credit rating!

I have had a card with this company for around a year. I have made all my payments on time except 2. That I have paid in full. When the second payment "bounced", they shut down my account with no notice. I paid the account 4 weeks later to a zero balance, with assurance that the money would be available at the beginning of the week. I called Monday when the card was rejected at the store and then they informed me they terminated my account, and that it would never be reactivated. So now I am left with no way to pay any bills. I'm glad I am done with this company. Everything you do has a fee. If you have a change balance on your account by the end of the day they take it, rounding it down to an even dollar amount. Yeah, keep the change guys.

I received numerous letters with guaranteed acceptance from Credit One and finally accepted their offer. When my card was received I DID NOT activate it. A few days later I received a bill for $81.95: $5.95 for the cost of a decorator card and a $75 annual fee. I called customer service to complain. I was told, after much run around, that I would have to speak to a supervisor if I did not want the card that was never activated in the first place. I just wrote to them and added that I would contact the Consumer Financial Protection Bureau and report their actions. Even if they close this account, I want everyone to be aware of their fraudulent actions.

Credit One has to be the worst bank ever. Never, ever in life will I ever use them again. From scamming me out of $9.95 a month to make a payment to their stupid app never working or website, I've never seen business done this way. I will strongly suggest that anyone looking to help rebuild their credit don't use Credit One. Very bad experience.

OK so I have had this card since November, and it's not bad if you're rebuilding credit. I see a lot of negative reviews on here, but let me just say they have treated me well. I make weekly payments on my account, and the funds are always available the next business day. The main thing that I don't like is that I'm charged 10 bucks whenever I make an "express payment". I find it annoying, but as someone who is rebuilding credit, I believe beggars can't be choosers. So if you are trying to rebuild credit I do recommend it.

This is the worst bank I've ever used for a credit card. I used my card in another town before vacation so they decided to freeze my account without any notice. I get alerts on my phone for credit card due dates but since it was frozen the card was taken off the account. I received a credit score check and it dropped 70 points due to being late. I called and spoke to someone who I could barely understand and they said it was a mistake and they would lift the fraud and late payment status.

Don't apply for this card - Scam - Fraud - No resolution - I lost my job, still attempted to make payments but the reps will not accept partial payments. My account was referred to another department, that insist I give them my banking information, I refuse. Stated I can pay them $25 monthly, a rep with a very thick accent told me no and was very rude, talked extremely fast and stated I had to pay a certain amount. I got a call weeks later stating they were given permission to offer me a settlement which was less than half my balance. Yet stated I needed to again give my bank information. I refuse again. I said I can send a money order, the rep agreed and said since they get credit for payment I needed to put it to his attention. I agreed and borrowed the money.

I had two credit cards with this atrocious bank. I also have 4 other credit cards. I got a loan and paid off all of my credit cards on 3/23/17. I had no problem with any of my cards with the exception of Credit One. They sent me two letters dated 4/4/17 stating that they wanted a letter from my bank certifying that the payments I made were actually from my bank account and were valid payments. The letter stated that I had been locked out of my accounts and that I had until 5/4/17 to supply this info or they would close my accounts and reported to credit agencies as "closed by credit grantor."

I cannot contact a real person to ask why I keep getting billed for an annual fee every month. An annual fee implies that a one time annual fee, not an amount from 2017 to 2018 every single month. I can't dispute these charges because nowhere on their web page is there that choice. Because of these monthly charges, which I was not aware of, my account is always past due. I also cannot find where to cancel this card. Can anyone else help with this?

Got a card, limit was increased in 3 months for good payments. Immediately, I could no longer log on so I figured I'd make payment by phone. They took my 500$ payment (way above the min due) but had suspended my card, which I only found out by trying to use the card the next day. They refused to discuss it by phone, stating they sent a letter. A week later, letter comes asking for verification from my bank that the payments that had been made for 3 months were authorized to be made and bank statements. I sent requested info, bank statement from 2 accounts, actual letter from Chase banker confirming auth to make payments and guess what? Never heard back.

Many people are bashing Credit One... BUT you need to deal with them with realistically. I've had horrible credit for 20 years, because of two divorces, but I make good money, and own a home that has considerable equity. I also have term, and whole life, insurance policies. This is a short term credit card for those establishing credit, or re-establishing credit. I always thought this was a company associated/parent company with Capital One. No! BUT my initial credit was $450, after I paid my "yearly card fee" of $45 after it was issued, and IN FULL - WHEN I ACTIVATED THE CARD, I got an increase of $150.

Maintained an account for several years because I am a dummy. High interest rates, high annual fee (charged monthly), and remarkably/intentionally, poor customer service. I closed the account today after making the decision that this card wasn't worth the trouble and certainly not worth a monthly $9 fee to keep it open. It took four different transfers to four different associates. The customer service people were unhelpful, refused to answer questions. And although I expressly asked for the account to be closed and requested confirmation, I am not sure that either will actually happen since the person I spoke to hung up on me while I was asking for email confirmation. They also tried to charge me around $8 to process a payment. The idea is to make the process as difficult as possible in hopes that you will give up.

One day I get a letter in the mail from Credit One such as "pre-approved! sign up now" or along those lines so I do, get approved for $500 credit line. That's all great for me who I currently have one credit card with my bank. Well everything goes smoothly. They send you your nice silver Credit One Credit card in the mail, step by step instructions on how to set up your online account and boom! You're in. Well I decide to put a couple of small purchases in the total amount of about $150 - no big deal. Well I decide to set it up which they have instructions and also which I've done with other company that bill me, to have an bill payments directly from my bank account. Sure enough I follow the steps, Credit One bank says everything's up to date. I start paying off that small purchase (2 payments a week apart). And think everything is going smoothly.

First of all company origin outside of the United States so therefore customer service is extremely unsupportive. Second. Hidden fee. Consumer would've not know about until after using the card because you do not have an online access immediately. As soon as you receive the card you want to get access to your account 2 to 3 weeks after signing up and that will not give you enough time to find out about them and good timing and that's done purposely from the company to set you up for failure and I will give you an example on that. There is a $75 annual fee will be deducted from your bank account immediately so if you cancel your the $75 annual fee +25% on the amount that you owe. And the list goes down. I will highly recommend not using the card until you have access to the online banking and to have a customer service another explain everything before using the card.

I have had this card for over 7 years and I am still paying for it. I try to pay a little more than the minimum but with all the fees they charge my account never seems to go down. Not to mention the fact that if you pay after 8 p.m. on your due date they charge you a $35 late fee. I work during the day and sometimes can't log on until later in the day but if I pay it on the due date what difference does it make if it is after 8. The day does not end until midnight. I am going to pay this card off and tell them to kick rocks. And forget about calling their customer service/no service line. You can never speak to anyone in the U.S. and the language barrier is ridiculous. THEY ARE THE WORST EVER!!!

Get ready for hell to break loose if you accept their offer. For everytime you leave the state you live in, you have to call your "mom and dad" at Credit One and let them know you left the state. If you don't, then get ready for the embarrassment of a lifetime. 24hr banking or customer service? Not at Credit One. English speaking reps that understand you and you understand them? Not a Credit One! Good customer service, low fees, and accepted anywhere? Not a Credit One! To sum it up... you take a huge risk. I've paid them off and sent the demons at Credit One back to hell. I am better off with American Credit card companies.

I can't list all of the reasons this company sucks! I used this card for gas only. Credit was stolen 2x & am still dealing with them to CLOSE THE DAMN ACCOUNT! I have filed TWO police reports. The police have even spoken with them. DO NOT USE THIS COMPANY!!! They are horrible. Do not give them any of your information.

I wish I could give this no stars at all because I don't feel it deserves one, but I can't unfortunately. I currently have this credit card that I'm paying off. I wish I had never gotten into it or at least looked into it first, but at the time I desperately needed the money to help out my parents. The membership fee was like $80 or so. My credit limit is $400. Right now I still have $350 to pay off.

I have Credit One and every time I try to pay them monthly they like to take your money because of their hidden fees and late fees. I paid last month my bill and I was supposed to have $125 in my card. Next thing I know I see I had only $84 so I called Credit One and argued with them that they took my money, so they gave me some of my money back. Then last week I called again and this time I had $90 in my account, now the lady told me she would put in a request to give me $14 back so I would have a total of $104, they never gave it back. So I called yesterday and asked where my $104 is and why it's not back in my account. The lady tells me that they never put in a request so I told the lady that they are a terrible company who can't seem to keep papers in order. Anyone who reads these reviews pls I urge you not to sign up with Credit One. They are the worst credit cards ever so do not sign up.

Held a account with Credit One for about 5 yrs. Always carried a high balance with them. My credit limit with them is $2,000. I decided that I will pay off all my credit cards then keep a balance around 10% of my credit limit. Well after I paid my account instead of reporting 0 balance these jerks decided to report that I had 30 day late payment a month before, not true. Never been late or missed a payment. Called them to complain, well they said they're all for people having good credit and if would prove to them this error they would remove it. LIES, I did just that and I disputed it through all 3 credit bureaus and of course these JERKS are just as bad.

I received 3 emails from them about charges on my account. They provided me with a phone number, I called and they were CLOSED. Called again, the first rep gave me a hard time trying to verify my account and then attempting to explain to him about the work phone number! After 10 minutes of being on hold he came back to tell me his computer was having problems and I needed to call back, no transfer option. Hang up and called back immediately, the next rep looked at my account and told me my account was with their investigations specialist. So I asked to be transferred, no they could not do that because they do not open until 11AM. I have to tell you that it will impact my credit but I will get rid of this credit card ASAP.

Called questioning over credit limit. Twenty minutes later the rep is telling me about a charge not appearing on my statement. I asked why it doesn't appear and he couldn't answer me. I asked why then did they report to Credit Karma that I exceeded my limit if I didn't know this. He said he couldn't answer except I was over the limit by SIX DOLLARS. Totally unprofessional.

When I called to activate my Credit One credit card I specifically asked the representative if there was an annual fee and was told that I qualified for $0.00 fee, and they also told me they would waive the $19.99 authorized user fee for the first year. With that said I used my credit card, my limit was $300.00 and I only used $265.00 for purchases. Then when I checked my balance I found that I was over my limit by $100.00.

I have had this card for just under a year and have had no problems with it at all. Though I used to pay $9.99 for "express" payments, I now avoid this fee altogether by making two or three payments each month. Credit One has never offered a credit line increase despite a perfect payment record.

I closed my account in full. I made a payment online. Besides they charging me 25 dollars for paying online, they charge my bank account 9 dollars three times, two weeks after I had pay in full and closed the account. I got a bill for 12 dollars. Charge to the account the very next day I had closed it. When I called to ask about it and complain they told me it takes 24 hours for the system to renew the information. The 12 dollars are just because I had the credit card open. I'm not paying them a penny and I would like to know how to sue them for fraudulent charges.

Okay. So I thought I would wrote a review on making my 1st payment to Credit One bank. Since I read so many negative reviews about making payments I was very skeptical to apply for the card but I did and I got approved. So when my card came of course it had a $75.00 annual fee. My bill was due 5/15/2017. So I looked up what payment options I had available on credit one site and I was like this at 1st, "This is ridiculous.” So I decided to go to one of my local check cashing places (ACE Check Cashing). I asked them to run the card to see if I can make a cash payment through bill pay and to my surprise I could and the fee was on $3.95 and to my payment posted within 2 business days.

I had a credit card from this company for many years with no late payments. They increased my credit with my agreement and no notice the interest rate was increasing to 25%...outrageous. I called and they insisted they couldn't lower the rate. I threatened to pay off balance. They gave me payoff and I mailed check right in. They called and begged me to keep account open and they would credit last few months’ interest. I told them it was too late and to just close the account. They did and billed me a last month’s interest and continue to bill me late fees and now show a negative rating on my credit to an account they closed and said was paid in full.

I went online to Credit One found out I owed a bill for $8.26. When I called to find out what this was for, spoke with someone who didn't speak English and when I asked to be transferred to someone else sent me to another non-English person. I finally had enough and asked for the supervisor who spoke English a little better. When I asked her what the fee was for she informed me it was for the annual fee and service charge! When I informed her how can I have a service charge on a purchase on a card that I shredded 8 months ago she had no answer, I informed her that I'm paying the $8.26 right now and to close this account. She stated that "I saw that you paid and I will close the account right now." If this account isn't closed by Tuesday of next week I will have our attorney handle it as I only got this card to help build credit.

I have, unfortunately, been a customer of this bank for several years now. I have never made a late payment. I pay my bill on time, in excess of the minimum each month. In March I tried to make a payment, but the website demanded that I enter the amounts of deposits the company made to my checking account. After I tried to do just that -- and several times -- I was refused and blocked from making a payment! I gave up for the moment, planning to call the company. I was later hospitalized with pneumonia and out for two weeks.

I am working overseas for 1/2 a year so I cannot send in a snail mail check payment. I called 5 times and all numbers (toll free and charged number) says their phone system is being overhauled so pay online. I go to pay online at www.creditonebank.com and I cannot even pay online!!! I wanted to pay in full today. Now I will get all kind of fees!! This is insane. What kind of bank shuts down all operations??? Now I am very scared. No accredited bank shuts down all communications with their customers and the public!! What kind of outrageous fees I will encounter scares me.

First of all they have the worst customer service. I paid off my account in full over $1,900.00 and went back in a couple days later to see they charged me for a Starbucks order that I already paid for $12.91 so they can charge me interest for the whole balance. Spoke to two different people. One said it didn't post yet although it posted on the 16th and I made my payment on the 18th. Another said that's not what it was for and made something else up and when I pointed out that was the difference then she said, "Well that is what it is for." And when I said I already paid for that I am not paying again she said, "No you didn't." She argued with me until I hung up on her. I have my statement that clearly shows the correct balances and amounts paid! Beyond pissed.

Account isn't overdue, have had 7 calls today alone from them. Called to cancel the card, got hung up on 3 times. When I finally got someone to work with me, they wouldn't cancel the card until I got pissed at them. After they canceled the card, I asked them to not call me any longer. They would get their money. Guess what. 2 of the 7 calls was AFTER I told them to stop. Don't get this card. Don't waste your time with them.

I have been with Credit One 2 years now with a 300$ limit. I have just noticed lately my account is at it max 300$ with no cash advances. Why if we are paying 29.9% interest is my monthly interest 6.71$ and 8.25$ monthly for their yearly??? 7$ monthly is not 29.9% interest on 300$?? Has anyone noticed this?? I'm going to contact an attorney because something doesn't add up?? Everyone needs to check this problem out!! They are charging us like a payday loan and that's not what a credit card can charge or is it what I agreed to!! Please anyone who reads this post at your monthly interest charge.

First off press 1 for English. Customer Service is a joke. Can't cancel my card but will offer a brig so I will stay with them. NO THANKS!!! My star rating is zero but I had to give one so I was able to submit, go figure...

I wish I read all the reviews about Credit One Bank before I sign up for my card. I tried paying my bill every month on time but because of their hidden fees and high interest rates my account keeps going negative. No matter how much I pay into the account it never posted in full because they deducted from it hidden charges and interests. I am ready to pay off this card before they make me go into bankruptcy. I am really regretting. Readers BEWARE!!!!

I wanted to up my credit score so I thought I would try Credit One. I used it once paid it off. Next month I got a bill for $143.00. Someone had used my information so I'm in the process of having a officer working on my case. Just like everyone I'm getting calls everyday. I was so mad I made them transfer me to Las Vegas. They gave me excuse. They put me through. I spoke to someone who spoke English. He told me as soon as I get the report fax it and they will write it off. They called today. I said, "You call me again. I'm calling my atty. and the tv media." So my advice to everyone tell them you want to be transfer to Las Vegas. Keep insisting they will. I told them close every acct. So they sent me another card and charge me $29.99. I told them, "Why would I want a card when I told you to close my accts." I believe they sold my information to someone... Never again. Now I have to watch my credit card.

I received the card ok. No problem. I've been trying to get my credit score upgraded ok. When trying to set up an account it's a no go. I HAVE NEVER IN MY LIFE HAD THIS ISSUE. Their tech/IT department does not call back. And when calling in the customer department is not even in this country. The supervisor was the only one that helped me. And a 9.00 fee to express your payment. What the heck. Oh sorry you can only make one payment a month. They will not accept and additional payment. So you don't want my money. I wanted to pay my bill in full... ok. Did that with a charge of 9.00 plus it still took 3 days to credit my account. The money goes to India.

I received an alert that Credit One did a credit inquiry on me for a card application. Only I had not applied for one. I called them and they refused to give me the thief's email address stating it was against their policy to give out protected information. Yet the thief had all my information including name, address, phone number, date of birth and even my Social Security Number. I think their policy protects the thief and needs to be changed. We victims deserve to know who is trying to rob us so we can pursue legal action! Until these ID thefts are taken more seriously, they are never going to stop.

Between my wife and I we have 3 separate credit cards with them. I tried making the monthly payment on 1 of mine and on hers today. It states that they needed banking info updated. First, they couldn't tell me when they made the so-called small deposit. After going back thru bank statement I found 4 small deposits prior to when they said were made. I updated the banking information. Got a message from them, "Your banking information is now up to date." I still can't make the monthly payment, because it keeps asking me to update the banking info on 2 of the 3 credit cards; the 3rd has a zero balance. I called these folks and was on hold for 10 minutes; I asked to speak to a supervisor was on hold for another 20 minutes. I get another individual that you can't understand because of the thick accent.

They offer you a credit line increase - for a fee (none of my other cards do this). Their minimum payment is high (I have another card with more than twice the balance and the payment is lower). Then there's the annual fee. I just transferred the balance to two other cards, it'll save me some money each month. Right now I'm trying to close the account but it's hard to understand someone whose first language isn't English and I can't even get through to an account specialist.

I obtained this credit card to rebuild my credit, but it has been the worst experience ever. To start, I used my checking account to make a one time payment, but in fact they withdrew the money a second time without my permission. When I called them to ask, "why this had happened" they stated I made the payment online, which was not true! They then proceeded to tell me that they were canceling the current card and would send me out a replacement.

My experience made me irate. I was under the impression when I called, paid, and was lead to believe my account was completely closed, that everything was okay. I was glad to be done with this company and moved on. When months later my credit score started to decline for delinquent payments, I began to look into this further. They told me I owe money. I filed a complaint with BBB and Credit One sent me a letter (after I sent one on my own with no response). Still fighting to get this taken care of! I was hung up on and then on the phone for entirely too much time. Stay away from this company, they are CROOKS!!! For anyone that works there, ask yourself why!

Customer service rep Mike and supervisor Kenneth. No customer service skills. I had the card for over two years. Never missed a payment. My balance was nearly zero. They put a restriction on my car because I hadn't used the card in three months so that makes me call them for them to tell me three different stories as to why the Restriction was on. First it was fraudulent activity which there was not then they tried to blame it on the store. They were having issues at the store which it was not then he tried to say I didn't make my payment on time which was not the truth either. Customer service reps and the supervisor of both very unprofessional and they lie. I would run as fast as you can and never, ever get a credit card with Credit One Bank. I'm paying off the whole $45 I owe on the credit card and canceling it and I will never, ever use Credit One bank again.

Charges interests on all your purchases despite paying off my bills on time all the time. The operator on the phone told me it charges interests the moment I make a purchase and is not affected by when I pay my bill, i.e. "We will just find an absurd reason to take your money even when you have been a good customer." The operator said, "It was only $1.07." Yea but still! PS: I don't see this kind of hidden fee on my Capital One card. Annual membership fee of $75 is ridiculous. Could do better with Capital One, which charges no membership fee. I felt a little bit duped. I'm just gonna cut this card up. It's a money sucker.

I've had my card paid off for a year and recently the company started charging the annual fee prorated monthly without notice. I missed the due date so they charged a late fee on top of it. Since there is NO AUTOPAY option on the site, which I use for these kinds of situations on other old unused cards I keep for credit score purposes, I'm not able to cover these newly recurring charges comfortably. I am not happy that this company is obviously trying to milk longstanding, reliable customers. As soon as my other card accounts age sufficiently, I will close this account.

Over a month ago both my husband and myself decided to pay off the card and close the account due to excessive fees. Both called in over 30 days ago and closed off the phone which is the only way you are allowed to do this. Tried for over 15 minutes to have remain with the account and finally had to tell them WE ARE NOT INTERESTED. We continue to get notices in the mail to come back and now received an email that somehow a charge has been placed on my account. Would like to know if there is a class act in place on this company. I would love to participate.

These people shut down my credit card because I made a payment that on no account, not only did they shut down my credit card but they shut down my online account where I can't see what I owe. Have been making payments for several months off the account that they said was fraudulent, but still won't let me see my account nor do they mail anything. Talked to a non-American speaking person. I could not understand them nor them me. This is a bad company. Would not advise using them. Don't know how my account could be bad when I did as I should. Did make a late payment but covered that within a few days. That is not the problem. They want my money but won't let me see for what I am paying.

I use credit cards only for travel and emergencies. I recently had a balance of 229.00 not due until March 20, 2017. I get an email stating I have a statement to review. However I notice a balance of 1.49 due April 20th. So I called customer service and unfortunately got a CSR from the Philippines that hardly understood English. Explained to the Rep. that being that I paid off the account in full prior to the due date that I would not be assessed a finance charge. She argued with me and stated that I have to look at the payoff balance. That I am assessed a finance charge. Being that I takes up to five business days for the debit to clear.

Only use my credit card 2 times $25 solar in total purchase, after I pay $117.99, but when I check my personal account I see was charged $127.94. Why? I call to Customer Service only to listen that I need make my pay, so it's a bad service. I trying cancel the card because it's too expensive and nobody know how to cancel! It's awesome really. Don't use this bank.

Credit One Bank is very fraudulent. They false advertise like your money is there when you needed it. Do not apply for one of their credit cards. Worst mistake I ever made. I overpaid on my account so that all my money would be on one card when I took my vacation... big mistake. The bank put a hold on my card without notifying me. When I called no one could tell me why. So I asked for a supervisor. She told me it would be 7 to 10 day for me to get my money. When I told her that was unacceptable she said I would have access to my money within 24 to 48 hours, a big lie. So now it's time for my vacation and I have no money because I trusted the wrong bank. So please do not apply for a Credit One card. It is a BIG MISTAKE. Sincerely. Very unstifled customer.

There is a huge language issue here. They reps do not want to hear you just be heard. You cannot get an appropriate answer to anything. It's like they are reading a script and you cannot get anywhere after holding forever and being hung up on. The website stinks you cannot pay off this card with another card only a debit card that they charge for or a bank account. This is a few of the issues. This card is not worth it. It does not help rebuild credit. It only helps give a headache.

By far, the worst experience I've ever had. I wish I had known what a horrible company Credit One Bank and that their credit cards are scams. I'm young, in school trying to build my credit. I have other bank cards I pay on time and am very conscious about my credit score. Credit One credit card is going to ruin everything I'm trying to build.

I have tried many, many, many times to set up my account online so I can view my account information, pay my bill etc. After trying to do this I keep getting a message stating my username and password don't match. I know I am not entering the wrong information 25+ times, at least. I called customer service and they can't help me set up an online account. They said tech support would call me within 24 hours... never happened. All I want to do is set up an online account... how hard can that be??? I have many accounts set up online for all my bills... this is the only one I have problems with!!!

Credit One Bank scams you into thinking immediately that you're signing up for Capital One. But of course looking more closely, it's called Credit One (hook one). Secondly, you are charged a annual fee of $75.00 before you have even used it (BS). They went ahead with closing this account with no charge to us, but, were going to put it on our credit report. Damn them. Stay Away.

I paid my account out in full last month. I called Credit One to cancel the card after I had paid the bill in full. The very next month I get a bill for $45.00 to maintain the credit card. I again called and asked that the account be closed. The very next month after that I received yet another bill with a 25 late fee making a balance now of $70. I was on the phone for almost an hour with 2 reps. The 1st one hung up on me.

In March someone paid off my credit card, changed my address on the Credit One website and then used my card online at US Auto Parts. I immediately contacted Credit One to initiate an investigation that will take 90 days. My card was closed and a new card was sent out. I have not even received my new credit card yet, have no clue what the credit card number is and the account has been compromised again with another purchase at US Auto Parts. Beware of having your account hacked. Since the new card has not been used yet or even activated at that I am going to say an employee at Credit One is helping have the customers information stolen.

I received this card a little over a year ago and acquired a small balance on it and became very ILL with the customer service when I was constantly presented with a problem. Shortly after, I zero-out my balance and closed out/terminate the card only to reveal 3 months later I get a statement saying I owe a balance of the membership fee! I then call customer service, which sounds like they're in an underwater basement in India and they do not comprehend what you're telling them nor what they're saying to you! I gave up! I just hope a crap company like this doesn't damage my credit!!

Never ever open an account with Credit One. Use of the last 4 # of my SS card was allowed, giving someone (not me) access to having new cards sent to their address in Miami, with new email address, just quick as a wink for the "imposter" to get cards and charge charge charge, plus remember, when you go paperless, you really have NO proof of what is happening to your account! Now the fraud dept. access is continually circumvented for me, as in put on hold for 40 minutes, the last time I tried, so what to do? Credit One has already posted to my TransUnion Credit Bureau account, that I owe about 2 thousand dollars (the amount the "imposter" charged) and they have no solution to that issue? Will now go to the Federal Level, as nothing else works! Open an account with them at your peril. You will be regretting for a long time. Caution! Can cause hypertension!

Made a payment on 4/2/2017 it's now 4/7/2017 to pay my acct off, they tell me I can't and will have to call back next month because I already made a payment this month. I already made payments on my other cards with different companies. Called back and paid them off the same month but you can't? Then just before they hung up on me and had to call back and to see if I could post date the payment and they said no and have to call back, again hung up on me both times they said "God bless you" WTF? Are you kidding me???

These people are still calling 15 times a day and I decided to turn get a lawyer because of all the harassing phone calls. I do not care if my bill was due 2 months ago. This is when the harassing phone calls started was 2 months ago and my bill was NOT even due yet. Then you call me today at exactly 9 am from a different phone number and you have the nerve to ask me for my checking account number... Are you guys that ** stupid??? Stop with the robo phone calls and debt collectors and lying to your customers and just maybe will you get some money. Until you stop with the harassing phone calls... You will not see a dime from me, because I am suing your ** for harassing phone calls. DO NOT USE THIS CARD, because the first time you use it is when the ROBO calls start and debt collections start. The bill was NOT EVEN DUE yet!!!

This is in reference to a credit card through Credit One Bank. I am about to lose my mind over this and do not know what to do short of contacting an attorney. Every month I am charged a $31.00 late fee but I am not late. I call and I am placed on eternal hold, hung up on and have to speak to people who DO NOT speak English. I am also charged $5.88 fee for Credit Protection, I did not sign up for this and also call every month to have it removed. They are also charging me a (monthly) annual fee of $8.25. I did not agree to this and once again I have to call every month to have this corrected. Is this legal? Is there something I can do to stop this madness. I do not use this credit card and yet every month my balance goes up and I am making large monthly payments. Is there anyone out there that investigates this kind of fraud? Thanks.

This company operates with the name of a bank in America, Credit One, BUT, it is not the same bank. Their practices are horribly deceptive, and they did numerous things to my account, including one time they put a $2.60 amount on my account AFTER I paid it off. When I called to close account and ask what the fee was for, I was told it was interest from my previous balance, that I paid off 2 weeks ago. The customer representative harassed me and gave me a terrible time about closing my account. After arguing with him for at least 15 minutes, he finally agreed to close my account. Then, he said I had to pay the $2.60 so he could close it as I was a risk. WHAT FOR A fraudulent charge that they put on my account, I'm the risk?? No. They operative deceptively and I'm sure they take advantage of many, many people. STAY AWAY FAR AWAY from their offers.

Card was allegedly sent out on 3/4 and I was notified by email that I could expect it within 7-10 business days. By 3/24, I had not received the card but had received a statement for the $75 annual fee. I spoke with a representative on 3/24 and was told she would zero out the balance, cancel the card and issue a new one. By 4/3, I had not received the SECOND card. I spoke with a representative AND a supervisor and was told 1) They cannot cancel a card and issue a new one (first rep lied? Hmmm, imagine that). 2) They would cancel the second card and issue a new one (thought you couldn't do that). 3) They will look at the account and call me back within 7-10 business days.

I used to have this credit card and was content. Unfortunately three years ago, I did a bankruptcy and included them in the contract. They are saying they are a charge-off when they know they were part of my bankruptcy. I think they are deliberately trying to be sneaky and get paid instead of respecting their original outcome.

Got pre-approved for a credit card with Credit One. Went ahead and went through with the application process. What they failed to inform me of is that they have a $75 annual "membership" fee, which goes up to $99 for the next year. I didn't see this until I received the card in the mail and activated it. I promptly called them and cancelled my "membership" because $75 is a complete ripoff. Other credit card companies don't charge this. Stay far away from this bank. Complete ripoff.

I originally applied for a credit line of $750 and was approved. I get the card in the mail and find out my limit is at $500. Then, once my card is maxed out after a move, I try to pay the bill online. After trying to login to my account online I find out I've been locked out by the bank. How am I supposed to pay my bill when my online login has been locked?! Then when I call Credit One they transfer me twice and have me run around through a verification process after verifying SEVERAL TIMES. This is ridiculous, I just want to pay my bill!

Over 2 years ago Credit One sent me an offer for a $500 card. Obviously, I had bad credit and was trying to rebuild anyway I could so I applied and voila approved for a Visa. I was ecstatic! Fast forward and my always paying more than the minimums ON TIME every month has raised my limit to $1800, some given, some accepted with a fee. They also sent me an additional card this year (MC) with an $850 limit that will go up over time, making my utilization and available credit ration even higher. I'll pay $25 for that all day!!!

I had fraudulent activity on my account. I called to let the CSR know and she explains that I should destroy the card and she will send one in 7-10 business days, because they don't offer FedEx, and don't have it. I waited 3 weeks and no card. I called back and the new CSR, as the previous one, did not understand English and kept asking what he should do. I was appalled. He then put me on hold without saying so and hung up. I called back because now I don't know what is going on with the account. I received another agent, who does not speak English well, and I could barely understand them.

They are rude, constantly call you back to back even after you just got off the phone etc. I will never use them and or recommend them to people I dislike. Everyone I know dislikes them and I should have listen to them in the beginning. Biggest regret of my life!

My brother used my credit card and he try to repay me by making my payment early. He filled out all the information to make the payment with the account number. I am not understanding why my payment was denied and I received a letter from Credit One Bank reading if I have another return payment they would close my account. I am not understand the bank to return a good payment online not a check or a insufficient account when his account have $100.000.00 of dollars. I am getting the feeling maybe this is the wrong bank for me. I rate this bank zero star rating.

I recently applied (3/19/2017) for a Credit One credit card online using the prequalify app and after prequalifying for a recommended credit card I was taken to their application site and which I applied and was approved for their Platinum Visa credit card. Moments later I checked the application status to see if the site could give me some information about my approval i.e the amount of my new credit line and how long would it take for me to receive my card. Website only stated that I my application had been approved and that I could check back to see when I would be expecting my card in the mail.

Can not log in for months. They try to fix it over phone by having you screw up your entire computer then they say someone will call you back in 3 days but they don't. No tech support to transfer to. Only way to talk to someone is to press 000 during listening to all the advertisements.

I paid off my credit card balance 2 months ago and actually paid too much leaving me with a $3.25 credit. New statement showed $5 balance. Called and Spoke with Maryann; insisted they remove the charge which they claim is a "monthly maintenance fee". How do you add finance charges to a $0 balance? Demanded to speak with a manager and told it would take 24-48 hours then she hung up on me. Closing this acct as soon as I close on my house Friday. Besides, I thought this was Capital One and have a FICO score well over 740 so they played me with the fake logo. Do yourself a favor and get a better card. Would give them zero stars but it's not an option here.

I received this card at the same time I was approved for 2 Capital One cards a year ago. Since then Capital One has given me 2 increases on both my cards with them, and Credit One will not give me one. I make all my payments early, and have never ever been late. I only got the card to help rebuild my credit, and now I wish I would have read the reviews first. Once I pay the card off, I am seriously considering closing my account. There is no benefit to paying your bills on time to show you are a good consumer, when the card company won't acknowledge and try to find reasons not to give you the increases you work for.

This creditor is horrible, I have had this credit card for a few years now because it was an easier one to get, Don't DO IT! Customer service is completely overseas. (The male reps are the hardest to understand and rude.) If you're one day late, they will blow up your phone even if you have been a customer for years and your account has been fine throughout. You can only make payments online with a check, I accidentally put my wrong checking account number for a payment, so it came back. They didn't tell me in a voicemail, email or an alert on my credit card account - I even paid it over phone once I found out it happened, and they closed my account - which they still didn't tell me. I didn't know they closed my account until I checked my credit report.

DO NOT APPLY FOR THIS CARD. The moment you apply they start the billing cycle and charges before you receive the card or activate it. They do not send you a bill thru the mail. They charge you and because you think you will be billed the following month, wrong you receive late charges on top of the other charges and you have not received the actual card. These people are crooks. If you have this card cut it up and pay it off immediately. DO NOT GIVE THEM ANY FURTHER PERSONAL INFORMATION. They make their money by their late fees and their in-house charges. I cut this card up and will be paying in full next month. Total Fraud.

I have had this cc with Credit One for four months now. I knew about all the fees and charges to initially get started with this card because I had read all the fine print. What I should have done was read all these reviews first. First two months went by fine and without issues. Although I didn't care for the express payment fee, I still paid bill thru it, usually way before due and over the amount due. Worked out fine, no problem, payment went thru by next day and had credit for it.

Not only did Credit One allow someone to make 2 large purchases on my account from a computer in another state, they also allowed the criminal to transfer money from my checking account into my credit card account to cover his/her purchases. All these just days after I made my regular payment. At no time did they think this was suspicious. It's because Credit One has NO fraud protection unless you buy their plan. I had to research it all and email the two companies where the purchases were made. I was able to stop one purchase. The other one is still on my account 6 weeks later. This person changed my address, phone number, and email as well.

Sept. 2015 blocked out of my great standing account. Struggled for 2 months to be able to log in to pay on account. Ended up making payments via a 3rd party payer, due to the fact that calling credit company customer nonsupport yielded no help. After finally having the thrill of talking to an English speaking person, it was agreed that I had experienced fraud. At that point I was told there would be an investigation into the case. I paid my account 3rd party down to only a few dollars in the next few months. Supposedly someone had purchased car tires on my account that had triggered the fraud, tires that a UPS store in Loves Park IL. had called me in sept. 2015 for me to pick up. I live in central New York as I have for over 40 yrs., wouldn't order tires for pick up in IL... I had refused the tires as not mine.

I've been nothing but an upstanding customer of theirs. I came across an emergency situation in which I needed documentation that contained my payments and current balance faxed to me on a letter head. THIS IS THE ONLY TIME I ASKED THEM TO DO SOMETHING! I understand that business' have their policies but the times that I have received great customer service were times where people were willing to go above and beyond to make me happy. Credit One was unwilling to do what was necessary to fax me my letter.

I received a credit card from this company in the mail. I was told to call a number to activate. When I did call the activation number I was speaking to a man I could not understand. He told me I needed to send in a copy of my driver's license to activate the card??? Seriously. I have never had this occur with any card I have received. I was then given a post office box number to send my copied license to in Las Vegas. I found all of this very disturbing and have decided after reading all of the other reviews on this thread to avoid doing business with this company. Something is not right here. I am right and I will not be doing business here. Consumers Beware!!

I don't think the credit card itself is bad. It will give you a start on rebuilding your credit, just don't EVER be late (not even ONE day) and don't EVER have a payment return!!!! The problem is that if you ever have a check return, well, twice (full disclosure)... they block your online capability to access your account. So this means that unless you mail a payment in via snail mail, you have to call them or they call you after the due date 500 times a day from every state in the union... I'm exaggerating of course but geez!!! I seriously get 25+ calls a day!!! I would normally just take the call, make the payment and move on with life.

This company has the same logo (different color) as Capital One so signing up for it was a mistake but things just got worse from there. There are hidden fees, a high interest rate and technology is way out of date. Takes multiple business days (7-10) to process a card payment online otherwise there is a $10 fee for express payment. Not compatible with financial planning apps like most other banks are. When I called in to cancel my account, they tried to cut down fees instead of canceling the account without my permission. Shady company! If you have to use this company to rebuild your credit just be careful and double check every charge. ONLY sign up if you have NO OTHER OPTION!

Their APR rate is ridiculously high, their customer service representatives are very rude, unprofessional, and dismissive to customers with complaints. They also charge a fee of $9.95 for expedited payments (which is forced) and a ton of hidden fees. It's like you're payment just to own the card. If I could give Credit One Bank a rating other than the options that are given to me it would be a negative 10! HORRIBLE!!!

Please don't waste your hard earned money with this crap. I have had this card for about 6 months now. In the beginning things were perfectly fine. Then I go to check my statement. And not even 24 hrs of me paying the bill. Someone charged my account 55.00. Leaving me with a 3.00 balance. They said they would file a claim but it think she was just blowing smoke. As soon as I can pay it off. I'm burning it... Do not sell your soul. Because they will do so.

First off I would give them 0 stars if I could! I will begin with how disgusted I am with this company. They are the biggest scam I have ever heard of! Unreal, I was robbed of my purse and my whole life was in there in November of 2016 and all my credit cards and information was stolen. I was also hurt during the robbery and have a police report. They sent me out a replacement card very quickly but, my limit was reached so I have not used the card in months prior to the theft. And, I was faithfully making payments before this happened to me. Anyways, I have called explained my issues and have made several payments to them in the meantime.

This credit card is a scam. One: you sign up to make online payments and you can't get in the system to pay your bill. Two: they immediately charge you a late fee and send a new bill. Three: you call and tell the supervisor you're having a problem with the sign and miraculously your username and password work! Then you try it again and whatever the supervisor did to get you in the system it no longer works. Is it a coincidence that you suddenly can't make online payments when you were able to do so in the beginning? I can't understand why Capital One, Discover, Bank of America accepts all your payment as many times as you want during the month.

I was behind 3 payments and did everything to make up the payment and they actually will not accept my payment! Unbelievable! I also was behind on my Discover card and they were more than happy to work with me. I never in all of my life came across a company that will not accept your money! They are rude, disrespectful, can't hardly understand them! I will never use them again! If I could rate them lower than 1 star I would.

After hearing two months of using their service with Credit One Bank credit card I have now been submitted payments of 8.25 a month that must be paid to have a credit card active. Lady said it was on the sheet that I received when applying for the credit card. Don't know if it was but that's a **. So now they can turn around and take my credit card back for all I care. Paid off balance is zero. Nobody get this card. Extra fees left and right. Try to make you pay to get a raise on your credit line. On my credit lines pretty much a 700. What a joke. Don't do it folks.

This is the worst company ever!!! Not even worthy of 1 star. I only got this card to build my credit back up after my divorce and bankruptcy. I used it and paid it off every few months. I had it paid off, moved, and called to change my address. They didn't change it. They were charging me 6.50 each month and I didn't know it because I never received a statement then out of the blue they call and are very rude demanding their 19.00. I said I didn't know what they were talking about. I hadn't seen anything and my account was paid in full. They were extremely rude and said, "Don't you check your account every month?" I said, "No. It was paid off and I haven't used it!" I paid the 19.00 and they reported me to the Credit Bureau in 2015. I called and asked them to take it off they said no.

We gave Capital One access to our bank account to withdraw all their payments each month which they wouldn't and when we call about it would withdrawal it late causing my credit to be lowered. We gave up because tried paying them off and they would not cooperate with us... I suggest anybody not to invest into Credit One... They will ruin your life. Now we can't get a home BECAUSE of only one bad credit report which is Credit One. Other than that we had no problems but they will not work with you.

By far the WORST credit card company I have every experienced for handling a lost or stolen card. My daughter's wallet was stolen from her car and the scumbags charged everything they could before we could shut off the cards that were in it. Wells Fargo immediately reversed charges. Credit One Bank however refused to reverse charges until they received a signed affidavit which they never sent to me. The only thing I did get was a letter that stated Credit One Bank determined that the transactions were authorized and not fraudulent based on the fact that the purchases were made in your surrounding area. Well, NO ** SHIRLEY!! The thieves picked up the wallet and went shopping... Until the cards were shut down... DUH!

I made the mistake of not researching this company enough before applying. Please read the reviews posted here before thinking about dealing with this card. They are a huge scam and rip off. I finally paid the two cards off I opened and tried canceling them, which was not easy to say the least. Their customer service is the worst. They will keep charging you at every turn. Please find another card elsewhere. Only do this if you are TRULY desperate. Even then, still try and find every other means of support aside from this company. They will ruin your credit. HUGE MISTAKE!!! TURN BACK NOW!!!

First of all, I failed to notice that the "Credit One Bank" logo was a direct copy (rip-off) of the "Capital One Bank". THAT was my mistake. In January of 2017, both credit card accounts were paid off in their entirety. Not one red cent was owed to this so-called 'bank'. In addition, neither card was used AT ALL since paying off the accounts. The trouble started when we received notification that we owed Credit One Bank $41 and change. REMEMBER... the account balances were ZERO, AND neither card had been used. This scam company attempted to charge us for "transactions" NONE WERE MADE, "late fees" LATE FEES WHEN NO PAYMENTS WERE DUE? and other miscellaneous charges that were not understandable.

Had card less than two months. Had to call customer service three times. Today I told them to cancel my card, that I didn't have time for the bs, every couple of weeks, he continued to be rude, overtalked me and told me to do the math. The last pay I made, it showed 0 balance but now they were charging me interest and the card was paid off. He argued with me over canceling it like I wanted. No time for this bs.

Once I decided to get the offer nowhere did I see a 75.00 annual charge to open it. After calling every phone number they have on their website and the back of the credit card, I am unable to cancel my card and I wonder if anyone has a live phone number they can help me with. I am freakin' out now I have read some of these reports of charges they didn't make and the hell they are going through to dispute it and I want out and my 75.00 back!

I have been a customer for almost a year. I use this card frequently to help my credit. I am now in the works of buying a house and I'll I need is a letter fax to me with a balance to finish the process. I have talk to them every day for a week 4 times a day and still do not have it. I now have to wait for my statement to come out before I can buy my house. So thank you Credit One for all your help.

This credit card company (Credit One) is engaging in unethical practices. I can never log on to the account to review statements and activities, which is a common complaint, and when I make payments it takes several days to post and then I am assessed a $35 late fee when it was paid on time!!! The reps try to encourage customers to pay 10.95 for express payments, a way for the company to get over on the consumer. Recurring payments cannot be set up so every month I have to sign on to the account and I cannot access it. When I call they offer to take the payment for $10.95. There is no accurate way to keep track of the account, even with paper statements. I went back and saw where I had been billed late fees multiple times over the past year when payments were made on time. No one speaks English so you can't understand. This is frustrating when all you want to do is manage the account!!!

I wanted to reestablish my credit. They kept sending me notices so I accepted. I didn't read up on them until I realized how much money they have robbed me. I can't understand why there is no class action against these loan sharks. They are comparable to payday loan sharks. People don't never ever, never ever get this card or use this card. Shred it up. Shred every pre-approved notice. PLEASE.

I would not give this card even 1 star. At first things were fine. But then I guess I messed up 1 (supposedly 2) payments by accidently using wrong bank details for payment so just for that they closed the account. Which whatever I am fine with that. But I could not get on the account via web to see anything at all. I've spoken to them via phone a few times and they are stupid, rude and don't help. They want to say the account is closed yet when I paid the balance in full just now then they added "the charges will be posted to your account on so and so day." I'm like if the account doesn't exist how is it going to be posted?

Just received my credit card about a week ago and was charge 6.95 for the card, 75.00 yearly fee and was add in the credit protection that I was never ask about. So I had a balance of almost 100.00 on it. When I call the person was rude and I was told that I knew about the yearly fee of 75.00 and the other fee. I was told I had to paid for the fee. Paid the c.c. and cancelled. ***STAY AWAY*** Go to Capital One if you need a good credit card and with no yearly fee, no card fee and better credit line.

I was going to make a payment today and when I called they told me it was going to cost me $9.95 unless I did it online. So I tried to set up an online acct with no success. It kept giving me a password error even though I did it by their instructions. Needless to say I ended up paying $10 to make a payment to them. This means not only are they getting interest they're getting an extra $10 on top of that every month. I tried calling them to figure out the problem but that was like talking to a chimp. They had no idea and they are suppose to be the online tech support. I'm paying off this card and cancelling it. Do yourself a favor go Capital One. They are amazing.

I am very thankful I was able to use Credit One Bank to rebuild my credit! After going through a messy divorce, my credit score was in the mid 500 range. I received a pre-qualification letter in the mail and was approved online. I used the card for gas, and enjoyed the cash back that I received from that. I paid it off every month, and within 18 months was able to drastically improve my score and was approved for a card with fewer fees and a lower interest rate through Amex. Yes, it is a little pricey to use, but can help with the credit rebuilding process. I received many offers to increase my limit for around $25.00. I ignored those and a few weeks later was invited to increase the limit for free. Be patient, don't carry a balance, pay the bill on time, and you will increase your credit score!

They are very annoying when you miss one payment. Of course they lie to you about the policy. One tells you something then the next day it's not true or they don't agree with what they agreed to settle with to pay off your amount. They reported my credit because I owed them $1 after I finally paid them off in zeros!!! They even tell you "Congratulations. Your account is in $0!!!" A couple months later, I owe them one dollar and then they report it to my credit history!!!

I just tried to make payment online with no luck. Every month I try doing it online because pay by phone charges a fee. And if you send in mail be sure it's at least 2 weeks before due date or you will get charged a late fee. I sent one in 1 week before and was charged a late fee. Today when trying to make payment, website kept asking for bank acc. number then asked for amount that was recently put into bank account which my bank acc. did not show. So I called customer service to ask about. They said this was to verify bank acc., same one I had been using, so why do they need to put me through all that trouble.

Try to make a payment and now I have to jump through hoops to get payment made. I now have to wait for them to send me information so I can send it back to them so they will take my payment. So I have closed all accounts I have with them. They make it almost impossible to make payment that way. They can charge you with late payment.

Get the credit card from Credit One and owe them $75 straight which I paid. The next thing I know they charged me a mysterious $25. I get upset and paid off my balance of $414 on a 5th on March. Two days later they charged $21 from I don't know where. WTF. Now I cancel this damn card and the lady from customer service that I might owe them again. What the ** is happening with this people. Worse company ever. Don't accept their offer. That's a scam.

I made a payment on my credit card on March 2nd, however, today 3/7, there was an unauthorized payment for 150.00 that is trying to go through my bank account. I send them a check every month for my payment. I do not pay online or via phone. My bank said they used my routing and checking account number and since they didn't put a "check number" I have to pay 35.00 to stop the payment and then dispute it. Credit One says they do not see anything on their side that "someone from my family must have made the payment." They want a bank statement mailed to them to their P.O. Box in Las Vegas to "prove" there was a charge since they do not see anything on their side. They said that mailing that information was the only way. I think they are making payments and pocketing the money which would explain why there is no record online of the payment. I have never been late or missed a payment. This company needs to be investigated.

I should have read the reviews prior to accepting the offer. I received the card in the mail and a bill for the $75 annual fee the next day. I was traveling so I did not have time to activate the card. I attempted several times to setup an online account but the website was either down, or errored out. I tried for several days. I decided not to activate the card because I was very nervous about this company after having so many issues before I even used it. I've received messages to my email saying welcome but still not able to access the account online to see balance or pay the activation fee.

This company has been adding enormous fees daily to my card. They call me every day and literally 5+ times in a row! They even called me on Sunday at 7am!!! When they called back, my sister answered the phone and told them I was in the hospital! They insisted on wanting money and gave her personal information. When she informed them that it is illegal for a debt collector to call on Sunday, the man stated it was a business matter, not a collection call, then got irate with my sister and hung up on her! I refuse to pay hundreds of dollars on bogus late fees! I also refuse to give them my checking account information. I have tried to pay what I owe on several occasions by other methods (money order and prepaid debt card). They refuse to accept that form of payment. Beware of this scam company! I am in the process of writing to my states attorney general, the BBB, and the Federal Trade Commission! This has gotten out of hand!

I've had nothing but problems with this card from day 1. I tried to make a payment online and it would not allow me to. I called to speak to someone and I was told by 4 different people corporate office included that the fraud department does not allow multiple payments in a 30 day period. They were all very rude and gave me the run around. I DO NOT recommend anyone to use this company.

This was my first credit card and the credit limit is $650. I now have a Capital One card with a $12,500 limit, Bank of America $17,000 limit, Luxury MasterCard $25,000 limit. My FICO score is 787. My total debt on my credit report is only $282. So I figure let me call Credit One and ask for a credit line increase. DENIED. Once I get over the shock of it I will call Credit One back and close my account.

CREDIT ONE IS INTENTIONALLY ruining people's credit and it all starts with their call center. Also not allowing clients to log in to the website and forcing you to contact the call center to collect a payment fee is fraudulent. My account was unexpectedly closed and I never missed a payment. CALLED OVER 30 TIMES to be intentionally placed on hold for 30 minutes or longer. Intentionally closed my account, charged it off, and marked as delinquent when I never missed a payment. I'm a paralegal and Bankruptcy Supervisor at Law Firm. I'VE NEVER BEEN SO MISTREATED AND INTENTIONALLY set up like this in my entire Life!!! Getting ready to sue.

Should have never applied. They tell you the card has a set limit, you set the limit and before you know it it's over the limit you personally set. A 500.00 dollar limit is not turned into paying back 600.00 dollars. How is that possible. Terrible mistake. Once paid off I will most definitely CANCEL this card.

Credit One Bank credit card is the biggest rip-off. The interest rate is astronomical. They prey on people who don't have good credit. When you make a payment, it takes 5 days to post. Your balance changes everyday. They charge for everything. They claim, "If you want available funds sooner, make an express payment of $9.95" but it still takes 5 days to post. The representatives double-talk you and do not speak good English because you are speaking to India. This card should be banned. I wouldn't even rate this card.

On December 2, 2016, I found what I thought was unauthorized usage on my checking account with USAA. I contacted the credit card companies I thought to be in question of said usage and was advised to report possible fraud to my account with USAA. Upon doing so and subsequent to their (USAA) Investigation, no fraud was found. During this Investigation USAA stopped all payments associated with my account and reopen them paying said accounts, except for Credit One who closed my account with them.

Each month you get your bill and look at it and you notice the Credit Score moves very slowly. Stays below 699 and has never gone above. I opened a monitoring company system and Tracked it for 8 months and their scores never went above 680. But the same company that reports to them is between 65.00 and 80.00 higher than Capital One using the same credit system Advantage Plus. showed min 735.0 per month. Then my wife is the same and she shows a larger spread on her card. Credit One claims it on Credit company but credit company claims they at Credit One puts the Score down and not credit Companies they report to. I have gone online and have found Credit one is putting down what they think the credit scores. Example my score with AX is above and if I have a score of less than 699 I am declined.

Terrible customer service. Script readers. I had called to report I hadn't received a new card in the middle of the month. After getting my old card rejected and realizing the card had expired all customer service wants to say is "Card was mailed and you should receive it by Monday". Six days into the new month. So Credit One does not have a policy to get cards that are expiring replaced before they are expired. Customer service becomes argumentative but then offers to send a card out "rush" that will take 3-5 business days. Some Rush. Consumer beware! It seems like an ok card until to have to deal with a real person.

I was just looking for a small credit card to get started with to help my credit. Boy did I know what I was getting into when I got hooked up with this Credit One card. I'm advising anyone please stay away from this company they will make your life a living hell. I got behind on my bill during my divorce and this company call and I'm not lying sometime 20 times a day just to harass you if you get behind. I had Capital One also and they was very understanding. It's like owing money to the mob. I think the mob might be a better route. I had a credit limit of 200 dollars after they interest because they add interest every second. Now it's 868 I owe them. PLEASE STAY AWAY.

I recently called to question a charge on my account and was told I won $108.00 gift card. They put me thru a verification process. When I checked for status again today they said it was a scam. I said "Sir I called you so if you are saying it was a scam then you scammed me!!" I even had a confirmation # which was provided but he kept repeating, "we do not offer gift cards." Very disrespectful. None of them speak English and are very hard to understand. I will be paying my card off and ripping it up.

The system is totally screws up. I have reset PW and usernames more than 30 times and their system always rejects. When I called Customer service, English was not spoken. Paid the balance off and shipped the card back to them, STAY AWAY.

They are the worst company you can get a credit card from. Dec. 2016 they over charge my acct. I had to call them. They have very bad customer skills. Now Feb. 21 2017 paid my bill which was suppose to come out of my checking acct. which they tried to take out of my saving. I call them and whoever the lady I was talking to try to tell me that they took out of my checking. She found out they had tried to take out my saving which cause me to have a overdraft fee with my bank. So I use my debit card to pay my monthly statement which they over charge me again. I am so done with this company. I don’t see how they get to report on your credit when they are no go.

Received a pre-approval letter in mail (actually thought it was "CAPITAL ONE") so I went online and applied & was approved for $400.00 limit. Received card Jan 2016 & when I called to activate it said I already had a $75.00 balance! There was NOTHING mentioned about an annual fee prior or I would HAVE NOT taken the card! Within a few days of getting the card they started calling me wanting a payment!! I have been trying ever since to log into my online account so that I can pay it off and cancel it, but the website tells me that my account is not accessible.

Credit One credit card charges large monthly fees even if you don't use it and if you get ill and miss a payment by a few days they will ruin your credit score. After having the card for years and never missing a payment, I got ill and missed a payment by accident, by a few days. Credit Karma notified me that Credit One ruined my credit and caused my score to drop more than 100 points. Talked with Customer Service manager to no avail, no empathy or help, told it will take 7 years to drop off this negative on my credit report.

Well, as I have read here I fall into a like or similar category. My wife ended up unemployed due to a medical emergency, and we were unable to pay all of our bills consistently, we were never offered any kind of assistance. Finally when we were able to pay, we made small, minimal payments for good faith until we could start paying the regular and plus more to get caught up. Made 5 payments in 2 months, and once we got our tax check from the previous year we made a large lump sum payment only to be informed our account is closed, and now in collections for the remaining balance, all within 2 days of making the large sum payment!

I was not aware this company charges a $75 fee as soon as you sign up. They will bill you $75 even if you do not use the card. When you call to get the fee reduced or waived customer service overseas will talk down to you and say you should have read the disclosures. I told them I would continue using the card if they would partially waive the fee which would be more beneficial to them since they will make more money on interest charges of 24%. Customer service says if you close account we still will collect on the $75 annual fee. Worst scam company ever. Praying for a small claims case.

I recently applied to Credit One Bank after receiving several pre-approval emails for the past few years & I decided to give them a try! I applied online and called the customer service department several times (whom are all located overseas) to obtain the status of my application. This morning when I called I was advised I was approved and would receive my card within 5-10 days!

This company is a madhouse. When I originally signed up for their card, after receiving a letter that I was pre-approved for $x in credit with NO annual fee, I thought this might be a handy card to have. I received via email: Credit One Bank Approval Notification, then, Your Card is in the Mail, then, Activation Confirmation, and finally Welcome to Credit One Bank.

It's a legal scam! I paid off the balance of $264.00, asked them to cancel and close my acct on 12/20/16. Then, in Feb. 2017, I get a past due bill of $39.47! (for what?) Called them which was a nightmare in itself. They said I owe the $39 + because it was a service fee PLUS an interest fee on the service charge! Seriously!! They count their own fees as a purchase and charge interest on it. Finally, I got a bank cashiers check, mailed it registered mail, overnight service along with a letter requesting they cancel my card and close my acct. I expect for more fees to be added for the 2 days it took to notify them and pay the balance... thus, my bill will continue on and on and on. I will be surprised if they accept my letter of cancellation with the payment as proof I no longer owe them anything. It's nearly impossible to cancel this card! I just want this card out of my life!

I was trying to rebuild my credit so even after all the negative reviews I thought - ok I'll try them. Actually ended up with 2 cards from them - set up online payments and paid more than the minimum every month always early. This past December I logged on, made payment. Realized about a week later it hadn't hit my bank account. Logged back in - they showed payment, then it was reversed. They charged a late fee. I thought ok - same bank account I have been paying out of for two years with no issue, maybe there was a glitch, I went into the "confirm account", re-entered the info and then again submitted a payment. This time when it hadn't hit my bank in three days I logged in again - it still showed the payment as having gone through. I waited 2 more days and checked again - now I can't even log into my account.

For the third time CREDIT ONE has made a UNAUTHORIZED withdrawal from my bank account. A amount that was over my credit limit for the card. They make unauthorized withdrawals and then their excuse is that they don't know what happened. So for weeks, until I stop payments and cancel everything, I don't have any money because my bank account is on hold AND EMPTY! Do not give them your information or they will clean you out. Cancel your cards immediately because they are the ones causing the issues. This is the THIRD time this has happened.

I applied for this credit card to help me rebuild my credit after a divorce. I have never made a late payment. They have a high annual rate and a low credit balance. I just called to cancel the card and they tried every way they knew how to try to get me not to cancel the card. They told me that by canceling the card it would hurt my credit score even though I had a zero balance and never made a late payment. They told me that they would report it to all three credit agencies and it would be best not to cancel. He also told me that I had already paid my annual fee for the year and I wouldn't have to start paying another annual fee until September and something about using that money I was paying in annual fees to be able to buy more on the card and pay on it.

Annoying as heck!!! I agree with the reviews. They call you 5-6 days before the payment is due and harass you to make a payment now. Totally annoying because they call every 30 min. Not sure how this is even legal. Paying this card off and shredding it immediately.

At time I need a credit card the only thing I found was Credit One bank but when I would use my card in Amsterdam NY it would decline then when I called Credit One bank they told me it didn't decline when it did so stopped using the card and stopped ALL payments but I need lawyer to look into this but I have no money for a lawyer to look into this so I need help here.

If I could give zero stars, I would. I've never dealt with a more incompetent company in my life. Gonna list out a few issues I've had.

Mob style tactics to collect and overcharge fees and penalties. It all seemed like they were willing to help a disabled Vet with financial problems, I wasn't always in distress and hoped to recover my credit rating. There is no way to please these people, endless fees for paying on time, late, whatever, it's a scam to cheat good people out of their hard earned money. I was injured and almost died, and explained to the low-life (probably one of those people who live in the sewer in Las Vegas, and a business in Las Vegas). Anyway, what a sleazy operation! Like the mob, but I borrowed money from a loan shark once and he was more respectful and sympathetic than these foreigners. They have call you and demand you pay them now, with a credit card number.

Stay away from this card. They sent me a mail offer for a zero annual fee card, I applied over the phone for a zero annual fee card, I got the card and used it to donate $25 to an rabbits rescue organization. I got my first bill of $101 including $75 annual fee and $1 interest. I called them and they said you accepted $75 fee by activating this card and using it (they just assumed that I read their website or the documents they sent with card about the fees). I had no clue that they could send me a card with $75 annual fees instead of the zero annual fee card that I had applied. This is fraud. Stay away from this bank.

I received a bill from this company. I never signed up for it, nor did I want their credit card. I called customer service. They could not tell me what I was billed for. All they wanted was a payment for 45 dollars. I don't have a Credit One credit card and have never used one. They said it was a fee. They could not answer what the fee was for. If I did not pay it I would be charged a late fee of 35 dollars. I have never used their service nor do I have their credit card. This is fraudulent on their part. They cannot answer what I am getting charged for.

This company will nonstop send pre-qualified offers then say denied with extremely inaccurate information as reason why. I have filed multiple reports with the government and President's office stating do not contact me. One of biggest reasons is the pre-qualification comes back with extremely inaccurate information which I just verified with the credit bureau. It said my score was 200 points less than what it actually is. If anyone knows how I can file a legal complaint requesting they be fined for violation like you can with the Do Not Call list please let me know. Also from what I read people say you have to pay for this card and it is not in the pre-qualification emails they send out. They are very shady and fraudulent.

I have been trying to make a payment online for a month, the website locked me out. I called customer service, and first of all you have to understand English before you can correct a problem. I was informed that the problem would be corrected within 2 to 3 business days, that I would be able to make the payment online. A week later the same, no access to the account. They of course will take a payment over the phone, but charge a $9.95 processing fee, yea right! I will be paying off this account, rip up the card, and recommend to all my friends, relatives and everyone on the internet. STAY AWAY FROM THIS COMPANY. There are better options to build your credit!

I haven't had any problems with them from a personal or professional standpoint (customer service, etc). No complaints there. But holy ** their website sucks so bad. You can either log in to view your account and pay your bill on your PC or Smartphone... But not both! And I'm not talking about at the same time, I mean in general. How the ** can you operate a business in today's society with a website worst than the 90's yahoo geocities? Get your ** together Credit One! God knows you make enough money to afford a better setup. Stop asking Earl in the mail room to manage your sites and hire some real IT personnel! Maybe splurge for an web designer once?

My card was declined TWICE for a less than $300 purchase. I was nowhere even remotely close to my limit. I knew this so I figured it was a simple mistake THEY screwed up. So I paid with another card but I called to see why I was declined. The first guy I spoke with Sam was a complete jerk that didn't assist me at all, he gave out false info by telling me that $300 was my limit on any purchase. I've made several purchases on my card totaling far more than $300, so that was a lie; which I told him. Then he kept saying he can process the transaction, and I had to keep telling him (A foreigner... Go figure.) that I didn't want it processed, I paid for it with another card! He had the worst attitude and when I asked for his name he said SAM. I asked for a last name. He told me he didn't have one and asked if there was anything else I needed as if I was the rude, surly one. So yes, I hung up on him - but whatever.

I was very leary when the CSR asked for my CC number and social security number to access my account. I have a $422 balance and their website won't let me access a detailed statement to see what all the transactions created this balance that I dispute. You have to sign up to have them give you an online statement? I am going to cancel this right away and warn everyone not to get suckered into this as they charge your card $75 right away.

Why does it take so long for a payment to be processed in 2017? It's complete dishonesty when you're paying your bill using your checking account information and still have to wait 8 days for the funds to become available. How is this so, isn't that like an automatic debit transaction? Credit One makes a profitable business by charging $9.95 for your funds to be available the next day. I recently obtained a Capital One credit card which is what I originally wanted when I applied for the card- I guess I was a bit confused by the logo as they kinda looked the same. However, I will continue to make my on-time payments until the card is paid off. However, I want to thank Credit One for helping me rebuild my credit when no one else did.

I called to speak to a customer service rep and could not get a live person! I had to continuously push zero on the dial pad, until finally I was transferred to a rep in India! My call was in regards to a payment made that was returned. I was charged $25 for a late fee, even though I made my payment 1 whole day before it was due! Credit One bank routinely rejects payment, and their website is constantly not working! Payments made may not post to your account for "up to 5 days" according to the Customer Service Senior Manager David ID#** who I talked to. I was repeatedly put on hold, and spent 2 1/2 hours on the phone being sent from one "so called" manager to another.

Scam -- They charge their annual fee monthly after the first year. That means that even though you should have a zero balance. They are charging the annual fee monthly and taking on significant late charges.

Awful credit card company beware. This company will tell you that they are in business to help you repair your credit but it is not the truth. Not only can you not access their online system to make your payments online 98% of the time when you do they charge you a fee to make the payment. In addition, their paper statement do not get to you on time so do not depend on those for a reminder or to mail a payment because you will never be on time and they will report you late even though you can't access their system online. This sounds like helping people repair credit, right. Not. And please don't think about calling to let them know you are having trouble because it isn't their problem. I'd do a secure credit card before I used this fraudulent company.

Worst worst worst place to ever trust with your personal information!!! I will never ever recommend this company not even to my worst enemy!!!! I applied back in Nov. 2016... I called literally 1 week before I applied to change my address! They said it was changed. I move and which then I seen I was approved which I called again to make sure the card gets sent to the right address... Did it? Noooo they said I never called to change my address. So I let it go maybe thinking it was a minor mistake. Well I was wrong. Again I changed my address. By now I got two address changes through the mail at the correct address. Stating "Your address was changed" but I still have not yet received my credit card.

I was a victim of fraud. My credit card was stolen and Credit One was so rude. When it came to helping me nobody could answer my questions. They wouldn't credit back my money and they wanted me to pay the interest charges on top of everything. Rude representative. Just terrible. This company is awful. All I wanted to know was why they kept letting my car go over my limit and did not decline the charges and nobody would give me a straight answer.

I have two credit cards from Credit One for a couple of years now and I haven't had an issue! Yes, they have suspended my card due to suspicious activity - all credit cards do - but all it took was a 2 minute call to update my info and the card was active again. I have disputed fees and they have taken care of them. Most recent, I had fraud on my account. They closed the one card and sent me a new one. Then, as all credit cards do, they requested an affidavit and a police report. They took care of the issue with no problem. I reported the issue to them in Dec. They sent me a letter stating they were looking into the problem and asking me to fill out the forms. This was all handled by the end of Dec. End of January, I received a letter back stating they have taken care of everything- but also asking to contact one place I agreed I was responsible for the charges at because they had issued them a refund. The credit line increases are great as well :)

Don't use the credit card company!!! SCAMMER, should not be allowed to continue business. They will charge you a "annual" fee that is billed monthly, will charge you a $28.99 late fee on their own monthly fees plus interest, then places a delinquency on your credit report and refuse to take it off. They don't not offer a autopay service, because they want you to be late. When you call to cancel they will not let you until your balance is cleared that takes several days. STAY AWAY. This company needs to be investigated by the FTC.

I have explained over and over with this company that I was unemployed and as soon as I got a job, I will pay off the card. Why is it necessary for them to call from several different phone numbers in the same day. What I don't understand is through this, I have yet to receive a pin number that was requested twice in July. This place will be the first thing I pay off for sure...

I just got this card less than two weeks ago. When I saw the due date was set on the 2nd of the month, I went in to try and change it. It will not allow you to do that. I called. They said there is nothing they can do, they can change it, but it will take two billing cycles. I said "well that does not help me, I don't get paid till the 3rd." Of course no one speaks proper English, they are in some third world country. I said "fine, cancel the card." He said "fine, but you are still getting charged a late fee next month." This is how you want to treat a new customer. This company sucks in customer service.

Any credit card that puts any persons in debt in NY state before they even receive it is illegal. As first premier bank does the same thing tacks on a yearly fee of $79. Credit One tacked on a fee of $75 plus I see they are charging me $99 a yr to have this card. I am filing with NYS attorney general as he stopped first premier won a lawsuit and he will do the same with credit one. AVOID this, card at all cost. I paid on time and even before, my due date. This card is crap. They lie about raising your credit limit in 5 months. Never happens which is a good thing. I have maybe 40 to pay it off and I'm closing the account. It's not worth having such a low rate credit and paying a high usage fee of $99 a yr not including the 8 they add on monthly for even charging anything.

They call you 5-6 days before the payment is due and harass you to pay now. You have to pay to make a payment. They charge you a fee to pay your bill on the due date so it will post on the due date. Bad customer service. Cannot understand what they are saying.

So far my experience with this creditor has been unpleasant to say the least. In July of 2015 I tried to apply for a card with them and was taken through the ringer about verifying my info. They claim that everything has to be mailed to them in Las Vegas, but after mailing things to them they seem to get lost. So I gave up on them. About a week later I received a bill telling that I owe the annual fee. I called them and told them I got it and I shouldn't have to pay it because they never mailed me the card. She put me on hold for a good 5 minutes just to come back and tell me that they could not do anything about it other than to put in a claim to have it reversed.

Credit One Bank closed my account with absolutely no notice or communication. I lost my job and had defaulted for 90 days, but paid off my account in full, including all fees - and an additional fee to get the payment in as soon as I could. I received a confirmation of this, notifying me of when my available credit will become open again, which it never did. Finally called in to inquire about that, and that's when they told me my account had been closed and I am not eligible to reopen. However, my online account is still open and tells me everything is OK. Extremely shady - highly recommend avoiding this company.

I have had the worst experience with this company from the outset! Their customer service is based in Manila, Philippines and they are the most arrogant, unprofessional, and worst Customer Service reps around!!! I thought that I would beat the endless automated phone system by speaking with a Spanish speaking rep, but to my surprise their rep spoke Spanish worse than their English. I'm IRATE at the fact that they want to charge you $9.95 to do an express payment to pay your monthly payment. I was told that one of my payments did not go through and that I was charged a fee of $25.00 for a returned payment. I spoke with a supervisor and I was told that if I made a phone payment with him over the phone, I would have the fee waived. Boy was that a lie! I was charged the fee on 1/26/17 after the supervisor told me that he would waive the fee.

Unlike the review: L. S. of Kansas City, MO on Jan. 24, 2017, regarding Credit One Bank, I experienced a positive response. I developed throat cancer over the years, which was diagnosed in Spring of 2014. I knew I would be out of work, and called all my credit cards to see how they could help me in maintaining my financial dignity. All three of them did, Discover, Capital One and Credit One. Credit One required that I sign up for credit protection, which cost me monthly; the other credit cards did not charge me at all. Credit One required that I be on the credit protection program for 30 days before the protection would become effective. The other credit cards placed me in immediate protection... Well 48 hours anyway.

If giving a zero rating were possible, that's what I would've done. First, I tried to make a payment online and it wouldn't take my payment information. When it did finally take the information and I tried to continue with the payment confirmation, the site kicked me out. I decided to call, the first representative (Philip. Beware of Philip) was extremely rude and hung up on me. The second (who wasn't much better) told me that you can not schedule payments online or over the phone, unless scheduling a payment to come out the same day. I will not be doing service with this company again and I would advise anyone else to stay away and find a reputable credit card service.

Write letters to your Attorney General explaining your experience so that this company can go out of business and stop scamming innocent people. This credit card will cause you to have MORE bad credit problems. BEWARE!!! DO NOT be so desperate to accept this card. Get a secured card and then get a reputable builder credit card with Capital One or someone similar. (Not First Premier, Credit One, Indigo or any similar type of cards for bad credit.)

Foreign customer service. Crazy Low credit limits. Credit Score 700+. Homeowner. Low balances. Income 200K+ verified. Just got approved for a $12,500 elsewhere. They approved me for $500 and would not increase it.

This is the worst credit card company I have ever had. There are a lot of charges on my statement I did not do. I call August of 2016 to dispute and I was under the impression the dispute was being work on. Come to find out, I am still dealing with these dispute charges since August and we are now at the end of January 2017 and I am still dealing with this one again today.

The company answers and is the Philippines. They are hard to understand, the money was there and I spent it. I get it, the fees pile up and when you bounce one payment back they close the account down. I tried to call and ask if I can re open it if I get caught up and they closed my account down. I have no motivation except pay it off before they damage my credit. It's almost like these guys are hired by credit bureaus to destroy your credit. STAY AWAY!

The all day long blocked calls are really starting to become a problem. It's 8 pm and I am still receiving phone calls from a customer service agent by the name of Sandra. I told her that it was not ok to call me all day and at this late hour, she said they are open until 9 pm so they will call until then. They are extremely unprofessional. Once my balance is paid off I will be canceling my card.

I applied for a Credit One Bank credit card just to see if I would be approved. I was approved for the credit cards. I received them in the mail, but immediately cut them up and did not activate them. The next week I received a bill for $94 for a card I never even activated or used. I hope that Credit One Bank understands they will never receive a penny for that bill!

I had a credit card with Credit One Bank and I never had a problem with their services until I was involved in a car accident. Due to this accident I received broken bones in my arm and was unable to work for a period of time. I advised customer service of my situation and not once was I advised to contact the consumer department that handles hardships until after I paid the card off in full. They immediately closed my account first and then advised me to contact that department a month later.

I accepted the card offer and which every month I have had a horrible experience paying my bill. They charge you 9.95 for express 24 payment but it never posts then you're told to pay on website to avoid the fee but both standard and express still post 5 days later. You pay express and if you pay 500.00 only 100.00 will post in 24 hours. The rest in 5 days. That is not an express payment. They stopped a payment by their mistake, put it on my credit report then I had to get my bank to fax a letter telling them it was not a fraudulent payment. The money was always there but it still took them 14 days for someone to read the text, another 7 to verify the letter with the manager of the bank faxed himself then another week to reactivate the card. I would have just let it go but I just started rebuilding my credit.

I have attempted to log in to make my payment for the past 2 months, and keep getting an error message. To add to that Credit One is charging me a fee for a late payment. I have to call to make a payment. It is very unfortunate I cannot even access my account to obtain payment due date information, or payment amount due information, etc. I have explained this for 2 months. This is NOT acceptable.

I made an express payment and this company couldn't process my payment immediately for a family emergency. I was on hold for 35 minutes. I was told several times it wasn't a supervisor available. I was told a supervisor would call me back. I waited 2 hours, no one called me back. I called the company back and still didn't get it resolve. Very poor customer service and poor company. I will be letting them go.

We fell on hard times. Loss of employment and finding a job at 62 is impossible. 80+ applications out there. We fell behind in just with Credit One the fees adding up, we paid $100+ every month hoping we could catch up and called. They blocked us from the website to make payments. I called and begged to just give us time and our SS (forced to retire and take SS). They told us our account was closed (no problem but let us pay it down) and we were being sold. This happened really fast (3 months) and they had no understanding at all. They said we could not make a payment only the full Balance. Now I am trying to rent an apartment and my credit has plunged. Stay far away from this bank. Even when you want to pay and give them money to make things right you can't. Why would they not want you to pay them? I offer $500 and said I could work on really getting it down as we are now getting SS and Pension. This did not matter. Stay away!!!

This company is a joke. Never used the card and I get a bill for a $75 annual fee and I turn around and cancel it. Few months later I keep getting a bill from them. I call and they said there is a $14 charge on my card. I said how is that possible when I've never ran the card? The representative I was talking to kept getting an attitude with me and my mom. My mom took the phone and asked for a supervisor and the supervisor kept getting an attitude as well. Finally after an hour of fighting over the phone they finally filed a theft investigation and supposedly closed my credit card. I'm warning you people... Do not open an account with these people. THEY WILL RIP YOU OFF AND RUIN YOUR CREDIT!!!