Credit One Bank Reviews

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!!!

Applied cc from this bank several months ago. Did not activate the card until couple days ago and got a call today that I am 5 days late on the annual fee of $75 I did not know about; SHOCKED! Called the number left on my cell - spoke to 5 people from the bank and finally someone who speaks got the message; I have been trying to communicate and understood me. Took out the $25 late fee and $25 from the annual fee... Then I felt like the rep I was talking to was rushing me off the telephone... hmmm. I'm paying the balance and closing the account anyways... thanks for the 2nd chance but services you are providing is not helping but rubbing hard working people.

If you are looking for a credit card, I would advise you in the strongest terms not to get this one. For one, when you want to make a payment online, they ask if you want to make an express or standard payment. Express charges you $9.95 and post in like 2 days. Standard does not post for 5 business days which means you could be counted as late if it doesn't post soon enough. And then they will ask if you want an increase of like $125, but will charge you a $25 fee. Then when you make a payment and you pay like $25, you will find that only $5.00 went towards paying your bill and you balance is higher on your next statement than it was before making your payment! My suggestion, please find another card. You'll never get out of debt with this one unless you pay it off all at once.

I have had the most horrible troubles with this company processing payments. Not only do they not accept internet quick payments, but they also require you to send proof of payments in the mail. No email or faxes are available. I made my payment to them a month ago, have had to call them about a late fee I received, and my bank has proof they've already cashed the check! As soon as my payment goes through, I'm closing that account. What a bunch of crooks. DON'T GET THIS CARD!!!

I would never recommend Credit One Bank for a credit card for anyone. If you have bad credit and you are trying to restore your credit, find another place, any place besides these people. I will start with the free sign up for the card. It was advertised as no fee the first year. I was charged that fee the very first month. I figured I must have read it wrong and went ahead and paid the fee. I also had to pay a fee to get a second card in my husband's name. So already, I am realizing that this isn't all it was cracked up to be. But I decided to keep the card. I had no intention of maintaining a balance anyway. I planned on paying it off every month or sooner to void interest charges.

Stay away as all of the other reviews are telling you. I too have been a victim of this scam (dirty credit trap). I have been working incredibly hard on reestablishing my credit and of course, I get an offer from "Credit One Bank". It just so happens that I have a Capital One credit card so my first thought was that Credit One Bank was an an entity of Capital One. I took the bait and right away I was approved. I was excited about the idea that my personal credit was on the way up. Once I setup the account online, I noticed a balance of $87. I then went into concern with how could this be? I thought to myself, I just opened the account with a charge that I new nothing about. To add to the misery, I tried to contact them for an explanation about the immediate balance amount, and I still have not heard from them. It has been almost a month.

I have placed 3 times a dispute on the same case, following the process required by Credit One (written and signed ) and I have never received an answer or communication from them to know if it proceeds or not. Also, talking to customer services is not worth because they promise to give an answer that never comes. I have talked 2 times: the first time they promise to have an answer in 21 days. When I called, nobody knew about my case so they promise to answer in 48 hrs. In the meantime my charges continue to grow, in spite of not using my credit card. So, I went to Better Business Bureau because there is no other way to get an answer. They don't have an email address, or other fast way, better than the regular mail, to receive information from their customers.

Received a call from their collection service demanding that I make the payment. Told them how can I pay when I did not receive a statement. He told me doesn't matter I have to pay. Hung up on him. Got online and opened a account to see my billing and my charges made. The account is less than a month old and they said they had sent me a bill through e-mail. Never received anything. The payment due was for January 12th. I opened this account through a flyer I received in the mail. Said "NO application or yearly fee". Was surprised to see a $75 annual fee added to my account. How can I pay a bill that I had no idea it was due. They are on a 30 day billing cycle but I was supposedly billed less than 30 days. Talked to 3 different ladies and could not understand any one of them. Would NEVER recommend this card for anyone. Confusing and very bad business practices.

My account does not have a balance. It was paid out and they were still adding finance charges. They then began to add finance charges to the $8.25 annual fee. When asked why they add fees to the annual fee they told me that is because I have a balance of $8.25. They will not answer your question on why it is done. One CS just sit there until she got tired of me saying hello, she hung up the phone. I asked why I could not pay the annual fee in one lump payment, and I was told that I could not do that.

I just ended a call with an agent that is clearly in the Philippines. I expressed my outrage regarding the LIE that your funds will be available 24 hours after payment for a "nominal" fee of 9.95. Words of advice...only use this option if you are going to be late paying. Late being you didn't give yourself a whole week for it to clear (which is ridiculous).

I received prequalified/preapproved letter for 2500 dollars the first week of December. I looked at reviews online & saw mostly negative but decided to apply anyway. Got approved for $250. I was ok with that, figured I would keep it as a "just in case" card. I was even okay with the $75 fee being taken off immediately. I still had not received my card after New Year's. I called into customer service and told them I'd like to cancel it. They credited me $25 and said that they would resend it to me. They guaranteed it be there by January 10th or 11th. It's January 13th today and it still has not come.

I sent my info after I got married three times to change my name on my card. It never happened. As of today four phone calls later they would not change my name over the phone. They wanted me to spend more money. Not happening. I cancelled my card. Everyone they have in customer service is overseas. Not in America!!!

Signed up about 8 weeks ago... tried going to website to pay, unable trying mult. times. So I call the # to make payment with my debit. 1st issue couldn't understand her so I asked where I was calling as I told her to speak English... and I was calling Philippines. Also charged 75.00 annual fee which is not in their info anywhere!! I am canceling this card o ya and 24% interest?! Beware - do not get this card!! And reporting to credit report agencies as well!! So furious.

I applied for and got a credit card from Credit One. It arrived in the mail with the number to call to activate card. I DID NOT activate the card, thinking I would not use it. I received the bill, on a non-activated card, for the $45.00 fee. I called them to tell them "NO. DO NOT activate." About three weeks later I needed to use the card. Called to activate and then used the card. I have not received a bill after using the card and today they called me and said the bill was 5 days overdue. You call the recording and it says the bill is not due for another 3 weeks. We have gone around and around with people that are VERY hard to understand. Nothing is getting resolved, and will try calling to get an answer again. Not happy! Stay AWAY!!!

Firstly, when signing up for the card I thought it was for Capital because their logos are the same but it was really for Credit One Bank. I signed up for zero annual fees and no interest for a year. Before I even received my card I had $195 balance from all the fees they charged. I tried calling to cancel because I didn't make any purchases and I hadn't even activated the card yet. They send me to 3 different departments and said I couldn't close it unless I paid the amount.

I don't understand why it takes so long to process payments. I always make my payments on time. The payments are debited from my checking account the next day, however, it takes 7 days for the funds to become available. Such an inconvenience at times. Also, even though I pay the statement balance in full and again ALWAYS on time, the company will not offer a lower interest rate. Lastly, but certainly not least, they have the worst customer service ever! When you finally get someone on the phone, they lack professional.

When making phone calls to ask questions for some reason they are always hard to understand. No matter if the person is male or female. When making payments I've notice that the more you owe no matter if you make payments on time the balance doesn't become available. Some months payments are smaller than others. It's tough to see money vanish when establishing credit. Has happened to me a few times and it seems to be getting to me. Am taking action on calling customer service but I can't seem to comprehend them.

I have had this little card for about 6 months and everything was fine. I was set up on automated payments and they were coming out like clockwork until the payment for January 2017 came due. The auto-payment feature on their end didn't do its thing on January 6th. I logged in on January 7th and submitted a payment in the $450 range which left about $25 owed (balance). I received an email on January 8th (today) stating that the payment was late and a $25 fee was assessed. It's a Sunday so I'm sure that I'll have to sit on this until tomorrow and try to get this resolved. I don't need this little card anymore so as soon as I can get all this settled I'm going to close it out (I'm thinking that that will be a battle). If you can do without this card, do without it. In retrospect I believe that some of their business practices are a bit sketchy.

I tried to pay online using my debit card, but they want to charge me an additional $9.95 for the privilege of paying them! **!!! I can register my bank account with them, but then I have to wait for them to make two small deposits and then verify the account. Why can't I just use my debit card like I do with everyone else? When I called customer service, the person barely spoke English and told me the only way I can make the payment without the charge is to mail it in. This sucks. As soon as I get these ** paid off, I am cutting up the card and mailing THAT to them!

This is the worst company. I have a $0.00 balance on the card. Still I had to pay $8.00/month. One time I forgot to pay, they charged a late fee of $25.00. On top of that, they charged an interest of $45.00 for that. For a card of $700.00, paying $80.00 for no reason is the worst part. WILL NEVER EVER DO BUSINESS WITH THIS COMPANY.

Lost card. Ordered new one. Paid down old card for refi. Rejected for refi loan because Credit One reported lost card that was closed as still open with maxed out balance. Spent 4 hours on the phone with them. No one spoke very good English. They would not admit to their mistake even though we had Equifax on 3 way call confirming the inaccurate information Credit One reported. Our credit score dropped significantly. No one at Credit One really cared and said they would send a letter out to Equifax in 5-8 days with correct info. Refused to send letter to our lender. Please do not use this card! Could cost you your credit and your home!!!

When making an online monthly payment if you make an "Express Payment" and pay a fee of $9.95 the funds are available the next day. When making a "Standard Payment" funds are available in about 5 business days although the standard payment amount is withdrawn from your checking account immediately. How is this legal? Normal payments (on just about anything) appear or are available the next business day. How do they get away with this???

Credit one bank is the worst!!! You miss a payment by a day and they will call you back to back until you make the payment or answer their call. I missed a payment and decided to answer their call. The Rep told me I would need to make a payment of a certain amount, and then he kept pressuring me to pay off the full balance after I told him I wasn't able to at that moment. And when I was hospitalized, I was behind on my bill a few days... They called my sister back to back. Who does that??? Worst company ever!!! Can't wait to close my card. I don't care if it will affect my score. They're the worst!

Open this account Oct 2015. Had problems from day 1. Problem progressed so bad 3 months later I had to close account and request a final bill. Customer service must be inputting information by hand. Payment made through their "preferred" express method were missing. Unauthorized payments were attempted and when the funds were unavailable my account was deactivated and I was required to jump through hoops to reinstate. The customer service reps have a jr high education at best. I was warned to steer clear of this card but was desperate to improve my credit rating. Mission accomplished but at a cost. Closed account, will never repeat. Beware!!! There are other and better options available.

They do not provide for automated monthly payments on the online account portal, so that they can catch you with the $35 penalty when you miss the due date. Their website is down regularly (8/9 out of 10 attempts) so if you wait for the payment due date, you are bound to miss it and they welcome the late payment so that they can rip you off with the late penalty fee. They offer small limit increases for a fee! For example: $150 limit increase for an approximately $20 fee! I am definitely closing this account as soon as I can log on and settle the outstanding balance! My advice... stay away from Credit One Bank!!

I signed up for account with no annual fee. Credit One does not have a standard auto-pay feature that pays every month from a funding source. Standard bank payment takes up to 9 days to credit to your account. Express carries a $9.95 fee from debit card. With this card you "must" keep track and pay early or you will be late. For this reason I use the card and immediately pay off before getting a statement allowing plenty of time for payment to clear. Today I get an alert on my phone that my Credit One payment is due. Thought better check even though I paid off with zero balance. Logged on and discovered I had a balance due on the 5th. Made standard payment via bank as I normally do and noticed payment would not make it in time.

They hid the fee where it costs now $81.00 to get the cards. They hide that fee from you from the startup. Then I use the card and pay it off. They say they no longer will accept payments from me until I can prove the payment is coming from my account. They make fax them a copy of my bank statements and photocopy of the debit card. I do this so I can make the payment. Now they won't accept my payments until they verify it again. Here is what sucks about all of this. They take the payment and then place the payment on hold, until you do what they say. Notice on the website where it shows they have a lot of good reviews. Now show me a place where you can write a review.

My credit card information with them was stolen and they have not done anything about it. I reported my credit card info stolen in August 2016 and they asked me about the charges, what I paid for and what was not mine. Then, I was told there was an added authorized user, which they charged me 18.00 or so for, they told me the name of the person and that they also changed my address to somewhere in Florida. I told them I did not know this person and that I live in Indiana.

300.00 limit/75.00 Service Fee. 9.95 to make a payment. Logo looks like Capital One. It's made to think this is a American owned bank. If you get anything in the mail. Destroy it. They will destroy you. It's all India. They are govern by different laws. "SCAMMER".

I applied for this card to help with my credit. Before I even used the card, there are charges for over 100.00. I scheduled a payment but you still charged late fee. I was not told about the $80+ fees. I want this card canceled. I have not used it and do not intend to use it. Neither will I pay these ridiculous fees since I haven't used the card. Will also contact Credit Karma. This should not be on their list of ways to improve credit. I will call you to follow up on this.

Every time I pay on the card it never seems to go down. They keep assessing late fees on the account and I've been paying on the account. They say that they are going to fix but never do. Oh! And the website somehow always has trouble processing my request when trying to log in, but I always make sure to call them and make a payment. Like I said stay far away!!!

They billed me before I even received the card, then charged a late fee & stopped me from being able to use the card. I should've read reviews before opening. I will pay this off & close the account. No matter how desperate you are to build credit, this card is not the way.

If the person or persons reading this do not comprehend FCRA and FDCPA and state law demands then go ahead and open credit with this company. If the person or persons reading this do then heed my advice, they have never sent me a billing statement, they have reported delinquent account status yet they have never sent a bill and I have never been delinquent. I have tried four times this afternoon to speak to their Las Vegas HQ only to be told by their overseas operation to give them my credit card info and shut up. This US Marine refuses to deal with their overseas operation period. Their overseas office is located in the ID Theft Capital of the world. It may be a US territory but I won't deal with their kind. Why is it that you need me to give you my driver license, my social security card so you can open this card. Why is it after the card is open and used you can't send a bill. This is FCRA violation and a FDCPA violation.

There is an annual fee. There is an annual fee for each additional user you have on your account. The credit report that they provide is consistently 40 to 70 points less than any other credit report. They do not give increases but maybe once a year and only for a few hundred at a time and you have to pay a fee if you accept the increase. You are better off getting a secure card to build your credit because this one will charge you a fee as long as you have it, and it will affect your credit rating if you close it. The customer service is located in India and none of them speak English very well and there are connection problems so they hang up on you.

I had this bank for only 2 months. It was always paid on time, until they tried to charge me not once, not twice, THREE TIMES at once. My bank shut them out and refused to let them in. They then closed my account. Not to mention to pay them, you need to PAY AN ADDITIONAL $10 ON TOP OF WHAT YOU'RE PAYING them because they don't accept direct deposit.

I have to call customer service every time I try to login and I quit the card and cursed them out to stop the card... then had to eat my words and reopen it so I could get access to my account for tax purposes. They would not let me have it any other way. How long and how many complaints have to go through before the Better Business Bureau or anything is done about this. Now I am stuck in a card I don't want and can never get access to unless I call the number on the back of the card. Are they even legit???

You have to pay for everything. They don't clearly list transactions on your card. Cannot actually view statements on website. Interest is added often and is higher than minimum payment. Impossible to clear if you spend on this. They do not work with you to lower cost and I think they are not properly showing documents to add incorrect interest amount and charges. Horrible, wish I could give no stars.

Got my card yesterday. Well it is cut up and in the trash. Credit limit of 300.00 and cash advance of 75.00. Really I have a credit card with 3 times the amount of credit limit and 5 times of a cash advance. Did not activate the card. Got my scissors out and cut it up. Really 300.00 dollars limit. Funny thing it may have been credit limit of 500.00, with their fees on it brings it down to 300.00. I may be crazy yet I am not stupid. Watch I will get a bill for a card that has not been activated. I really wish they would have the nerve to do it. So do not do it. My credit scores are not low. They are setting you up to fail. Not falling for it.

You can't even create an account online to pay your bill. Called customer service after trying for weeks to create online account and getting same error message saying "try again later" he states the site must be down to try again later!! Since I couldn't pay online I called to make my payment and they charge $9 additional charge to submit transaction! My bill was only $6, so why would I want to pay an extra $9 to make a payment!! Also, the customer service department all have heavy language barriers. They are extremely hard to understand!!!

About two years ago I started to really take my credit seriously - I had a 450 score - I know right?! Anyhow - I started by paying off all the items on all 3 of my credit reports. Done. It sucked but I buckled down and did it. Then I got a Bank of America free student checking and savings account and got a 500 secured credit card which 6 months later at tax time I raised to 1000 dollar limit. (There are no interest rates on that card and it builds up your score really fast.) About 6 months later I started receiving card offers from every underbelly of the credit world and their brother's step kids! And I am ashamed to admit that I ignorantly fell for that and ended up with 8 credit cards! At the time before educating myself on this I thought more was better and would boost my score more. Again - I know right?! Despite all that I never to this day have missed one payment and my score is (or was) at 710 - a far cry from 450.

I received a "Pre-Approved" offer from this company for a credit line up to $1500.00. Having worked in the credit card business for 15 years I know that there is a distinct difference between a Pre-qualified and a Pre-approved offer. Pre qualified means that I passed their pre qualified risk module and am being solicited to apply. A pre approval letter means that my credit has passed their risk qualifications and they are guaranteeing me a credit card with a limit up to the amount stated based on my "post qualifying" criteria. So in other words, they feel comfortable with the risk of offering me a card but need additional info to determine how much of a risk they are willing to take.

I am out of work and 2 days behind on my credit card payment. I received a phone call from Credit One about payment. When I explained my payment would be made on the 1st of the month, the representative asked; "Can you ask a family member or friend to lend you the money to make your payment?" I told this person that his question was highly inappropriate. To which he responded, "But we just want to protect your credit." I told him I was going to go to an attorney and file a harassment lawsuit and ended the call. I still cannot believe it! I am paying this awful card off as soon as possible. I wish I had never gotten this card.

I made a mistake and signed up for the Credit One card. I missed that there was a fee on it. When I got my first bill it showed a fee for the next year so I said let me pay it in full and cancel the account. They said they would do so happily but if they mail you a card they charge you $75 so tough. I am stuck with a credit card with a SUPER low limit, HORRIBLE customer service, out the country and tough luck. Oh well. Lessons learned.

Credit One has a way to add on hidden fees. Most of all they make you wait for a whole week to access your money!!! Who in the hell does that??? You cannot even message them by e-mail. They are a corrupt system who takes advantage of people with low credit!!!

I have used and paid this card off monthly for 10 months, called and asked for a credit line increase and was denied. I paid my car note every month with the card and would pay off immediately after use. Ten months in a row and I not worthy of a credit line increase. DO YOURSELF A FAVOR PLEASE DO NOT GET THIS CARD. YOU WILL BE SORRY IF YOU DO.

I was approved for the credit card, then an email sent telling me I would receive my card in 7 to 10 days, normal. Then after 9 days I receive another email saying that my card was shipped and I should receive it in 7 to 10 days. When I call to cancel, I find out that there is a fee of $75 that was not disclosed to me in the beginning. Nothing in the paperwork says $75. After reviewing other complaints, I wish I would have looked at the reviews before signing up for this. I urge others to not use these people, or read the reviews before you do.

After reviewing the reviews I'm disgusted with myself for not digging deeper into the scam. I'm trying to set up an an online account and it keeps telling me invalid password or username. I reset it twice and went through the prompt twice. It keeps leading me to a dead end. I'm writing this review just in case I have to legal action. I left a message for a representative to return my call. I will get back with you all for details.

You do not want a Credit One credit card. They will fee you half to death, their customer service is abysmal, the interest rate is too high. During a natural disaster and subsequent lengthy power outage I was unable to make an online payment, every other CC I had gave me a few extra days but not Credit One, they simply wouldn't help at all nor would they allow me to pay over the phone. If you default they immediately sell your account to sleazy law offices for collections. Avoid, there are far, far better CCs to apply for.

This is absolutely the worst company ever. I had so many issues with them and now I recently changed my last name and they want to charge me $25 to send me a new card. This is absolutely ridiculous. I regret so much having this card... If you don't have an account with them DO NOT DO IT!!!

Applied for the card. Opened the account, Cancelled the account the next day after reviewing the grossly outrageous terms... Well within their cancellation guidelines, and they're sending statement billing that now has a charge of $2.84. This unpaid no doubt can blemish a credit report. And for what... I beg everyone... DO NOT use this credit company. It is just not worth it. You are better off visiting a check cashing facility. At least then you know upfront you're getting **!

OK - I accidentally applied for this card and as long as I don't use it I may keep it for now for the available credit. My problem is I have had the card now for about 2 weeks and yesterday I received a letter in the mail declining me for the card? What? They send me a card - I activate it - and then 2 weeks later send me a denial letter that makes absolutely no sense. Who the heck is running this show? They say denied due to late payments on my credit reports - I haven't had a late payment in 4 years. I had to do a modification on my mortgage when my husband was out of work and didn't know that every month you pay the new payment ON TIME it gets reported as being late. That's another story though. So seriously who is running this show? My Discover has a $9200.00 limit & Capital One cards for $5000 and another for $4500. So you see I don't need this one with its $500 limit.

This is a lesson I have learnt. I have only had this credit for only 2 months and the card company has my payment due date for 12/17/2016. I am given a wake up call on 12/14/2016 that my payment is late. I decided to pay off the balance and close the credit card, I am charged late payment and a processing fees. I just now realized I should have read their review before accepting the card. This account is closed today and I hope not to receive any mails from them regarding this card. I am on the lookout as I have read the reviews and have gotten wind of what to expect and how to move forward with it. If there was a review with zero star, I would have given it but I am left with the option of one star which I am reluctantly going to mark against my personal wish and desire. Thanks to those who sincerely shared their review.

I got approved for $400 credit limit and when I received them there was many fees that they don't explain to you before opening. Anyway I decided not to activate the account when the card came in the mail. 2 weeks later I received a bill from them for the $75 annual fee. Keep in mind I never even opened the account because of the fees involved.

I have just obtained this credit card. Not had a statement as yet, got online to find out my balance because my card kept getting declined. My card has been used fraudulently and I CANNOT get anyone on the phone to try to straighten this out. Over $500 charges that are not mine!! I have been on phone all day and every number I call ends of hanging up on me, put you on hold then line goes dead. I have credit protection (which they are charging me for) and can't get anything handled and I have only had this card less than one month!! What is a consumer to do???

Although the recent bill I have received that payment for the account was due on December 16, I am now getting calls that payment is due even payment was sent in November. These morons have no clue WTF they are doing. They called today to demand payment and said I was behind. I informed them I have no money (I don't at this time and no it wasn't due to shopping for Christmas because I haven't); I informed them that payment would be sent on December 22. That wasn't good enough. I became unladylike and informed them again that payment would be sent on December 22 and if they didn't like it, to shove it up their butt. I plan to pay this card off and recommend to anyone to avoid these people. They make the Mafia look bad.

I tried to make a payment on my account and each time the first no. in my checking account was kicked out and they closed my account, but left the smaller account open. They took the payment off my debit card so they knew the checking account was good. I'm gonna get the pay off balance and pay them off. Beware!

My three month experience with this company has been the worst I have ever had with a credit card company. I only used $300 of credit, and the interest escalated out of control. I have since paid the entire balance, and will never use this card again. They are the absolute worst credit card company. The company needs to be shut-down.

I have had my account with them for over 3 years. I initially signed up for the card to improve my credit. I was faithful paying until last year. I have been missing payments due to the fact that I did not have a job and when I did get one it was commission based. I have been for the past two months. I updated my bank information. It was prior to the due date and always 3 days later they contact me and tell me it did not go through. I use this account for all my bills and never have a problem so of course now I am charged a late fee and it goes on my credit. I started screaming about the charge of 9.95. They waived it.

After notifying this company = Credit One of a charge made on my acct in Texas this company took the charge off my acct. Then put it back on when owner supplied a statement I had been there and provided an Identification card - which is not possible since I've never been in Texas. Not to mention the signature on the receipt looks nothing like mine. They still have the charge on my Acct and have failed to do anything about it. Signed P-O'ed. Once this gets resolved I'm done with this company. I'm suspecting someone inside has been using clients personal information to do fraud. To any potential future clients - I would find a more reputable company to do business with. This one is BS.

I have an $800 approved credit for this account. I had an $8.25 balance which I scheduled a payment for. I had closed one of my bank accounts and this was the account on record with Credit One. Instead of calling me when the $8.25 payment did not go through and requesting an updated account #, they closed my account. When I contacted them, they told me the account was closed and I still owed the $8.25 plus a penalty. I responded that I was very dissatisfied with their service and inquired how an honest mistake could result in closing my account especially in light of the fact that the amount was so minor. I do not recommend this bank to anyone.

I wish there was negative star rating! I have a Visa with Credit One Bank. They constantly block the card for security reasons. Ex: I tried to use at CVS pharmacy around the corner from my house for a little over $40 and they said this was suspicious activity??? Tried to call to sort this out from work and they said I couldn't - had to call from my home number. I call from home - the office is closed because I work late hours. So, now I try to go online to view the account but they blocked me from that too. They have the NERVE to charge me $6/month service fee for this!!!

I have several credit cards, but Credit One is the worst!! They charge $75.00 right off which I thought was BS. Then I started getting pre-qualified letters for $1500.00 which was denied every time. Each time it took a hit to my credit report. I finally called and the guy on the phone said that I wasn't credit worthy. So I said, "Stop sending pre-approved letters" and he said, "Get a life" and canceled my card.

I am trying to cancel my account with those ** and you will not be able to talk to anybody. I think they do this on purpose to keep charging you monthly fees. Anybody knows how to talk to a customer service rep.? This is the worst. I mean worst worst worst credit card company to deal with.

The same is advised to other residents in other states. Do not let this company jack you around. They have to abide by your state's laws. I paid this card off in full plus 10.00 fee. Next thing a lawyer is after me and she ends up witness now. The issue is I see this a lot. SPEAK ENGLISH they do not. I find the positive reviews somewhat biased. I mean we are talking about people with bad credit. I also feel Credit One put them up to this. Shame on you. CA verify. By the way one positive talk about Chase Freedom, another rotten apple. The people have one thing in common. They got bilked, so you people should do your research and not be on the take for Credit One.

I just had a really nightmare with this card, I had some fraudulent charge back in March 2016 in my account I reported and they said it take more than 90 days to investigate. After a million call to follow up now they just told me they don't know and they have to open another investigation. This is the endless story, with the super high interest rate. This are so an scam. Customer services is so rude. Don't make the same mistake I did. Now I end up with more than $500 in debt and fraud charges in my account. This is so time-consuming, is ridiculous. I will report them however!

I made a credit card payment on my new credit card after setting up my mobile app. I was given a confirmation number and took a picture of it. It was rejected after they said it was accepted and now want me to pay a late fee and use their EXPRESS payment option for an extra $10.00!! There is no phone number to call this bogus credit center. Help!! Many complaints on this company.

Wow, I would have to say that they suck. They closed my credit card because my routing number was incorrect (due to the app change). So then they demanded a bank validation letter. When I mail it in, finally after over 2 weeks they still refuse to open it back up. I asked them the reason why and they said my validation letter and my routing and my account numbers do not match. The thing that really pissed me off is that why in the heck are they making me get a validation letter in the first place if they keep telling me my routing number was incorrect and when I give them the correct one they still refuse and tell me the one that I've given them before is different. Smh. Well no ** Sherlock. Of course it would be different if I'm trying to give them the correct number with the validation letter.

I wouldn't believe this bank could be capable of doing the following thing if I hadn't experienced it myself. Every month this bank find a reason to post my payments as late. They have manipulated due dates, marked payments as not received, claimed my bank doesn't exists when it's been on file for years...

On Dec. 1st. 2016 (at 10:31 am EST) I paid off my Credit One Card with a Balance of $694.50 "using the EXPRESS OPTION" of which a cost of $9.95 is applied to the total, making it $704.45. When using the Express Pay Option, as long as you make the payment BEFORE 5 PM Central Time, Your Available Credit is good for the next day. Well that's not what's happening in my case. TODAY is Dec. 3rd, and still have NOT been issued the full Available Credit Limit? I called today and was told that, because I used a bank check (which I did not, I paid online, using my Bank Acct.) is the reason why it takes longer... THAT'S THE ONLY WAY YOU CAN PAY ONLINE, (debit card not available, and the only way I have been paying?)

This company charges interest on a $0 balance because it takes 7-10 days to mail the statement. They do not have US based support and you have a VERY difficult time understanding the accents. Then, after calling and complaining, they actually called me on a NON-LISTED number to harass me further. NEVER USE THESE PEOPLE.

I received a email from credit one - had the same logo as capital one - asking if I wanted to apply for a new card. I already have capital one business card so I filled out my social security #, name, addy... have them all the info. I should never of done. A week went by I called capital one asking about my new card and they informed me I didn't apply for a new capital one credit card. "Are you sure you didn't apply for credit one?" I asked if they were affiliated which they are not. So I called Credit One. Was told I would get a $1500 Credit line. I said "I want to cancel this card before you send it out to me." Told them how I made a mistake between credit one & capital one & they told me they already sent the card out. I said "we'll you need to cancel it cuz I don't want it."

Have a card from Credit One for only a couple of months and already it's a horrible experience. First when you make a payment, the funds will not be available for up to 5 days and yet the money is out of your bank account the next day. Second I tried the express payment option which they charge a $9 fee for the funds to be available the next day. What happened? They took the money as usual along with the fee, but the funds is not available the next day, I was told only $100 is available the next day and the rest in 3 days, this was not stated anywhere on their website. I'm getting the fee reversed then something has to be done especially when the money is taken out of your bank account the next day!! Horrible, I have no choice to hold on to account as cancelling will hurt your credit score which I'm trying to build, but I will not use the card as I have Discover. Horrible company practice.

I have tried for hours to create an online access to pay a bill. Being unable to do so I called for a tech to help. After many failed attempts and suspicious questions I cleared certain memory cache on my computer which will require hours of setting up new password. This is just a start to move ahead with other review. I was set up with a very low credit limit, then charged $75 initial fee(not disclosed). I then went to pay bill and was questioned in a very unusual manner which wasn't quite right. I then was charged $9.95 to pay it off with a debit card (they wouldn't take a credit card).

If I could give negative reviews I would! Their website as well as mobile app is so difficult to use. They offered me an credit increase, which I was just going to "no thanks" especially because they charge you $25 to increase the credit line. However, the app would freeze up every time I selected "not thanks" so I ended up just accepting. I lost my card, I called to report that it was lost. Cost me $25 dollars and it's been 10 days and I've not seen this replacement card they charged me $25 dollars for. I have certainly seen the charge for it! I have since found my card, ask if I could cancel the new one, and maybe save my $25 dollars, no of course not. The customer service agents each time have been different but yet their names have all been "John". I will be canceling this account. Please save any hassle if you are thinking about getting this card, and don't. You'll be better off.

Twice they added hidden fees. Instead of notifying me so I could make a payment they flagged my account over the limit immediately to the credit bureau. Both times my credit score dropped 50 points. They didn't even wait one day for me to make a payment. DO NOT TRUST CREDIT ONE BANK. THEY CRAP ON THEIR CUSTOMERS EVERY TIME.

I just got this card and I made the minimum payment of the 25.00. This is the first time, and thinking that the credit limit would go back to 75.00, not that was not the point. That was just the balance of amount put on the card, 25.00. The card is a joke. Do not get this card. The website is never working and it's been like that for over a month and trying to log in is a joke. It keeps saying wrong password or username. I'm trying to build my credit and not lose it. It's not worth it. Just trying to get a house not a shack. I'm just going to cancel my card and pay it off. Wanted to use it for Christmas, but that is not going to happen if I have to pay the purchase balance of 300 to have a limit, but the minimum payment is 25 each month confused. Pay 25 that is your cash balance, pay 300 that is your cash balance. Not worth it. I was going to get my husband one, hell no!! Going to call them and see if the website is up, if not cancel card. Play their game.

I received approved card for small balance just to try to establish credit. I got my bill, had annual fee, not told to me when I applied! I went from having small bal to having no funds to use because it was all fees. They charged me to use the card, they wanted to charge me to make a payment, then told me after I cancelled the card, I couldn't make another payment for 24 hr. They have no portal to pay online even though they say they do. It disgusts me because for a $16 purchase I owed $184 and they only have PO box if want to send anything that should have told me they scam people. Whoever reads this, DON'T GET A CARD from this place!!!

This bank is probably in a 3rd world country. Every time I need to talk to someone, it's India or Bangladesh. Forget it if you're 1 day late on your payment. They will call you twice an hour all day. Also, they have a thing where they will call you from your zip code and area code, like you know that person. Try cancelling this card, it's next to impossible. Also, they don't even have an email address. Everything must be sent in to them via US Mail. The interest rate is super high, and when you apply, you get charged like 75 dollars on a 300 dollar limit card. It also doesn't help that they look like Capital One with the logo and the name. This is by far the worst card I ever had, and I can't get rid of it.

Do Not use these thieves. They are liars and will rip you off. They charged me an initial charge of $75.00 without informing me. After an hour or so on hold, the ** of a supervisor argued about every point. I paid off my entire balance and they just assessed another $3.75 interest charge. Tried to call customer service with no luck. DO NOT USE THIS PIECE OF ** OF A BANK. THEY ARE A TOTAL RIP OFF.

I guess folks did not read before they applied for the card. I reviewed everything before I applied for the card so I knew what I was getting. No complaints here. Please read before you sign up for any Credit Card.

This has got to be illegal or something... A card called CREDIT ONE... just straight sent me a damned Visa card w/ my name and all on it! I DID NOT APPLY or ASK or APPROVE THIS! I owe a hundred or two on it and they want $25 a mo pmt? My valid Visa is over a $1,000. And min. pmt. $20... The payment due date on this was before my pay bill day. How could that happen? They SET ME up for a late charge before my first pmt! So, I sent late pmt... explaining this and questioning their reputation and practices but wrote... I will NOT pay late charge so readjust.

This card company takes 10 business days to process payments and that's ridiculous. I went off 2 different bills on 11/18 at the same time and Credit One payment center that is supposedly in CA and my other payment to another company is in MI. I'm in NV... so how is it that my MI payment has already been received and cleared, but Credit One that is in CA hasn't been received.

Credit Karma recommend Credit One card to pay your payment fine. But they Add $9.00 to each month payment to pay the monthly bill. They already charge 21% or more. They already add it up daily. They already make a load of money on you. But why pay $9.00 to pay a bill? They Ripped me Off. Each time. I am Looking For a Court Case. I want the $9.00 put on my payment. They Tanked my credit Report. Is Credit Karma a Scam with scammers?

I have a $14,000 Visa with Chase, among others, and received an offer for $500. I was curious to see who would even waste their time sending such nonsense. I even took the time to call to find out where they got my name and - everyone's right - you simply can't get through. If it's impossible to get through when you're asking "application" questions, I can only imagine what happens when a problem arises. I could see the executives of Credit One sitting in a conference room laughing and cracking up that people are actually taking these cards out.

I feel sorry for your employees who we have to communicate with when we have a problem. They can only do so much. I have not been able to pay online like I did last year. My password and/or name is never "correct". I've just closed both accounts and will pay off as soon as possible! Credit One, you are stealing from the patrons!

Credit One is the worst Company ever. I made a payment with my bank and somehow my payment got cancelled by Credit One or My bank. When I seen the payment was reversed I made the payment again and this time it went through. I call Credit One and they tell me they closed my credit card and I will have to mail a letter into a p.o. Box and somebody will give me a call and here it is today no call a whole week later. They took the second payment from the same account and still closed it saying I need to still send in papers showing my account but again still took a payment again from the same Account. They are a company that tell lies and nobody never knows what they're doing. I liked my credit card but I will continue to talk and leave reviews until this matter is handle correctly.

I received a card from Credit One Bank. I also put my fiance as an authorized user on the account. It was to be a "rainy day" card, and neither my fiance nor I ever took the card out of our billfolds. I then received a statement that had a $25 late payment fee, had a charge for $73.52 for a phantom purchase that was never made, and gave me a credit increase of $150, ALL ON THE SAME STATEMENT!!! THIS COMPANY IS NOTHING BUT A SCAM!!! They will not get another nickel of my money, I cut both cards in half and will be mailing them back. They can take me to court if they think I owe them anything. They can keep the $25 I already sent, but they'll get no more from me!

I have never really had an issue with his bank, other than their exorbitant interest rates, and all the extra charges that seem to pop up like Jack's in the Box... until recently. Priceline.com, stop it to put a bill on my credit card, that was not valid. After repeated calls to customer service, and getting nowhere, and speaking to people who barely spoke English, I went absolutely psycho.

I just got this card, had it for one month. You can't ever log into the website, you can't retrieve any information. I never received a statement so I called in to find out what the issue was. Surprise surprise, a late fee! After reading all the complaints here, I decided to pay off the $67.00 in fees I had accumulated, although I never used the card, and close the account.

My credit card balance was at zero and they passed through an annual fee and then charged me late fees! When I called I got hold of a very rude lady who basically said I had to pay it and I told her to close the card then and she said that's fine and closed the account. Poor customer service at its finest. Will never do business with them again.

Received a pre-approved credit with them and because their header is so similar to Capital One I made the mistake to get the card. Once I received the card I realized that it was not what I wanted because there was an annual fee of $75 and I didn't remember seeing that at the time I applied. So I called to cancel the card and at that time I also saw a $1.26 interest charge even though I had paid the charge timely. When I asked why the interest I was told that they charge an interest charge as soon as a charge appears in the account. With that said I cancelled the account.

I applied for a Credit One platinum visa credit card. I got approved. I got the card in the mail and try to activate the card. But they won't let me activate my card. They told me I need to mail in my id, driver license, birth certificate and utility bill. I got approved and the card. Now they trying to say I'm a fake. I mailed it and I don't know how long I have to wait. They don't even have a email address to be faster.

Do not apply with Credit One. They are nothing but full of lies. I made a mistake applying for this card. My credit line was 300. When I call to activate my card it charged me a 75$ making my credit line lower than it was. I downloaded their app onto my phone so I can keep track of my balance and make payments which I can't even log into. It keeps telling me my password is wrong which I know it was not so I couldn't make my first payments through there. I couldn't do it online either because it keeps telling me my password or user name is wrong too even when I reset my password a whole bunch of time and it says the same thing every time. So I tried calling the number on the back of the card but there's no real good payment options for you to pick from. I was able to call someone with really bad broken English to help me pay. She did such a horrible job.

Was trying to rebuild my credit. Thought this was Capital One because of the same logo. Been trying to pay my bill on line for days. Problem with site... try again later. It does not matter if you tell them you cannot get onto their site. They charge a late fee. Mine was $75 on my very first payment because I could not get in. I am cutting up my card and sending back to them and will pay this off. I too believe it to be a SCAM.

I called Credit One customer support (actually I had to call the lost/stolen card number since they don't even have a true customer support number) to let them know that my 2 credit cards that I have with them were being declined. I was traveling so I assumed that was the reason for the declines which to me doesn't make much sense since they are not bank cards. You should be able to use your credit cards while traveling without having to notify them. So I let the customer service rep know that both of my cards were being declined, yet I was still seeing the transaction being processed on the online site.

Well my husband got this cc two years ago to help his credit. From the start they were calling him days before it was due and had pay and still get late fees. Now for the fun part. We paid his card off like 200.00 5 months ago and they reported it three months later to the credit bureaus as a 500.00 balance when his balance has been a steady 0 as in we don't touch it anymore. So they said they'd fix that and report correctly.

DO NOT DO business w/ this fraudulent bank!!! It will be a miracle from heaven if you get an English speaking representative! All calls are handled in other countries outside the US! It will be difficult to communicate with representatives. And when you ask to speak to someone here in the states... they can't hear you or they hang up! Not to mention they slam you with so many fees in order to make more money from you!

I been with Credit One for a short while. They are the worst company that I ever went with. When I started with this company they never told me about the annual fee and I had to dispute a charge. They said I had to talk to the merchant, told them I already did talk to them. They would not do anything. Also, Credit One said you need to write a letter to file a dispute. This is not how a credit card company is suppose to be. They are the worst.

This is not a company to have a card with. They don't call you back. People don't know how to handle business. You have to call a million time and tell them how to handle things. I been going back and forth about a charge that I didn't do then they put you on hold and hang up on you. That just why I cancel my card with them. They do not handle things at all. All they good for is putting you on hold. Smh. I hate Credit One Bank. If you know like I know don't get this card. The budget people put the money back in my account but they act like they is going to steal it from you. One person say they see the refund but nothing have been done about it. They treat you like a stepchild. Never again would I get another card from them in my life.

Credit One is the worst company you would ever want to apply to. If you looking to rebuild your credit get Capital One. They are the best!! My Credit One account was close because I made 3 payments on my account in a month's time. I was told that it look like fraudulent. In fact they accept the fraudulent looking payments. I mail in proof that it was my account. I made the payment and they still close my account. They will be hearing from my attorney. No one told me that I couldn't make more than one payment on my account a month. Run far far away.

I called Credit One bank because I couldn't pay my bill online, and when I went to talk to someone, I was told that the bank I put down had the wrong information, when 2 days ago someone called me to collect a payment and I even had a confirmation number that was giving to me. They are waste of my time and breath to be dealing with. I definitely will not be doing business with them anytime soon, and I definitely will recommend them to anyone. Next time I'll consider reviewing this company and beware of their tricky ways before I apply for them.