Credit One Bank Reviews

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.

This is the worst credit card I've ever had. To file a dispute you have to do all the leg work and it still takes 30 to 60 days for anyone to do anything about it. I've contacted the office after submitting everything and it's 30 days later and have been told no one's contacted the merchant. In the meantime my credit score is lowering and I'm incurring interest charges but the company can't do anything about it. I would not recommend this card to anyone. They are the worst and customer service has no resolution to your problem. Please do not do business with them. If you want a car do not go to Credit One banks.

Watch the letter they send for confirmation... On page one it shows $0 annual. I just turned it over and noticed there is $75 annual fee. When it said 0 on the front I just looked at the APR. After I saw the $75 I tried to call them. Took a dozen tries to get someone to talk to and as soon as I said "cancel this card" all of a sudden they couldn't hear me. Call back again, finally someone with very broken English. This was a job but finally got it canceled. Never again. Get out the magnifying glasses and look it over real good. Just stay away from these people is the best thing to do...

This card is a ripoff. They gave me a $500 limit and charged me $75 annual fee. I paid the fee the first year then they started charging me $8 per month for the fee. I wasn't aware I had a balance as I had not used the card. They then added a late fee and called me to collect payment. I tried to get them to remove the annual fee and they would not do it.

I was new to this country and mistaken Credit One with Capital One! Since I dealt with them I found that there are plenty other better options for you for the following reasons: They put a max of 4 online payments every cycle (no clear count of the number of your payments is displayed). No phone app to log in and manage your account. Once you pay on the phone they charge you $9.00 service fee (higher than most). I'm seriously considering to stop using the card and eventually close the account.

I have never experienced a bigger run around in my life in trying to close my account. Talk about high pressure!!! After having to get rude, the agent (who didn't speak English very well) said it was finally closed. It took forever. And conveniently the first 2 times, we were conveniently disconnected so I had to call back and start all over. The interest rate, monthly service charge and customer service are all terrible! Stay away!

I have a platinum card with them. I have paid off my balance a few times. They increase my amount so I was late one payment because I paid it through my bank and it took alot longer than it should have. I received a call stating that the payment was late and as the lady is talking I pulled my bank account up. Gave her the date.

I had paid off my card on 10/20 when my bill was due on 11/2. They report to bureaus on 11/5. On 11/5 they stuck me with their monthly "annual" $8.25 charge and interest on my balance I paid on 10/20. The issue with that is they don't give you an opportunity to ever have a zero balance reported to your credit bureaus. There is always going to be a balance. I argued all the way up to 2 managers who told me it is Credit One's policy to always bill on the reporting day cycle so you NEVER have a zero balance. Unbelievable but true. I had asked earlier in the week to raise my $700 limit and they used the excuse my balance was too high at times, but they never allow you to have a zero balance unless you overpay before your due date. In one year I paid them $3700 in payments on a card with a $700 limit and they said no to a credit increase as well.

I have had this card 1 month and I wanted to check where it had been used. Tried to sign in to my account, but couldn't. I called customer service and they were of no help. She was rude like I owed her. So back online again the next day because I was so frustrated the first and tried to sign in and again I could not at that time they said. This card is like First Premier that I paid in full and canceled and this card will be canceled shortly. I blame myself. I felt like I should not have accepted credit from them. Hard lesson learned. Please people stay away from this card co.

I opened this account to build my credit thinking it was Capital One. HUGE MISTAKE. Run away as far as you can. I called today to close my account because I did not want to pay the monthly fees, no problem connecting. But, I ended up in an argument with a lady who could barely speak audible English. When I politely informed her that she was not listening to me, she then gave me a speech about how she does not own the company, she is required to do her job which is inform me (argue and not listen to me) of what they could do for me.

I've been trying to access my account online to pay my bill like I always do, but for the last month the website keeps saying unavailable. I call them and they tell me that my account has been closed because two payments, one in May and the other in October came back unsuccessful. Now, even though it came back unsuccessful, I made good on the payment before the month was out. The one in October was due on the fifth, but I paid on the 10th so they closed my account. They didn't notify me by email, phone or mail that they closed it. I would have never known if I didn't call them. I was calling them to make a payment today. They told me in order to have it reopened I have to send in a bank statement, which I'm not. I told them to send me paper statements and I will pay every month until it is paid off. The service stinks and there are so many hidden fees that I was not aware of. I will not recommend this company to a dog.

I received an approval for this card in the mail about a year ago, at a time when I was trying to build up my credit. I didn't really need a new credit card. I just wanted to open another line of credit to bring my score up a few points. I filled out the response and received my new card. Along with a bill for all of the hidden fees involved in activating the card. It was only then that I noticed that the card I had activated wasn't Capital One as I thought, it was Credit One Bank. I don't know how they haven't been sued yet for ripping off Capital One, but I'm certain that this is exactly how they trick people into doing business with them. I also don't know how this company is still doing business and is actually recommended by Credit Karma because I have felt from the moment I got my card that it is a scam.

Credit One bank is the worst company ever. I have always paid on time and actually I usually pay 4 to 6 days in advance. My payment is due on the 24th. This past month I was very sick but I signed on to make my payment on time just not early. Well, I get a notice saying my account was past due and that I now have a late fee. I really believe they began to think my payment was due earlier than it is because I have paid early every month. I called them right away and it took nearly two hours of them trying to strong arm me to pay for Oct and Nov and the late fee. I explained over and over again that I had made the Oct. payment and did not understand why it did not post.

I have a Credit One card. I paid it off and wanted to cancel it so I didn't have to pay the monthly fee. They made me run through hoops. I paid one payment with my savings account and the rest with my checking account the whole time I had the card. They said they would close my account but it would report negatively on my credit until I provided them with letters from my banks stating that both accounts were mine. I could NEVER get someone who spoke English and it was the most ridiculous thing I had ever heard of. Even the lady at the bank didn't believe me and called herself. After asking about 5 people for an American we finally got someone in Las Vegas and she stated it was the policy and it had to be done. Why we still don't know but it's absolutely ridiculous. I would not recommend this card to anyone. Horrible!!

Everyone has a different experience, but let me explain what happen with me. This company is by far the most rudest and cruelest business I have yet to do business with. Their customer service sucks! If you're very responsible and want to keep your credit score up and payments on good terms, do not open a credit card with Credit One bank. Please. They do not work with you in any type of situation. They ask for very very much personal information that you have the right not to provide. They asked for my bank information, every detail and closed my account and dropped my credit score and affected everything. I can't access online services because my bank information was wrong and never called me or sent a letter to let me know. Please be careful and do not rush to anything. I really like and enjoy services with Capital One. Very friendly and never had problems with Capital One. Thank you.

I was calling to make a payment in which I am charged 9.95 for in which I have no problem with. However the customer service rep. was rude from the beginning of the conversation to the end. I ask her at one point, "Why are you being so mean to me?.. I am just trying to pay my bill." She just got meaner. I could tell in her voice she knew there would be no consequences for her actions and I would just have to tolerate it. Did I mention they were charging me to deal with this rude woman. Well I may have had to deal with her this time but not again. My time with this company has ended. It's bad enough to have to pay to make a payment but to be treated poorly is uncalled for. They need to listen to their supposed recorded phone calls on this date November 1st at approx. 11am and hear how their rep. talks to their cardholders.

On Saturday, 10/15, I tried making a payment online but their system was down. I had a min payment due of $12.50 but wanted to pay most of the balance off, so when the rep came on I asked to make a payment using my debit card for $200. The rep told me the system was indeed down and he would have to use my checking account info instead. I gave him that and authorized the ONE payment from checking. On Monday, 10/17, I saw the money had been deducted from my account. On Tuesday, 10/18, I got another alert that the same amount had been taken out again! I called right away and was told I would receive a refund within 24-72 hours.

I applied for this card not knowing that it had a monthly fee. I canceled the card. I was still charged a monthly fee as well as late fees. I now owe $61.05 and never used the card. The company refuses to refund the money even though I never used the card and called to cancel it as soon as I learned there was a monthly fee. Beware of this company.

I applied for an account on September 7 2016 and got a call from their fraud department to verify that I applied because I have a statement on my file. Everything was approved the end of September. I got a letter asking me to send them copies of my ID social security card and proof of address. I faxed all this information to them on Sept 29th and called them and they said they received it and account was approved and my card would be sent. The site shows and sent on Oct 6 and I should give it till the 16 and if I don't get it call them.

Perhaps Credit One is reading these reviews and trying to change the way they do things? I am having zero problems with the company. In fact... I just got my first credit increase ($150). I don't quite understand the payment issues people are having? When you log in to your account, it shows everything you need to know to make a payment. You can choose to pay the minimum or whatever you like. It gives you a confirmation number once you submit the payment and posts immediately that the payment is in processing... Then the next day I always receive an email stating my new balance. If I go to my account, I can see the payment, date, and amount... and the balance and what can be used for cash withdrawals and so on. I'm not understanding the issues... Perhaps if people used the website and logged in to pay instead of mailing checks or using the phone method they would be happier?

This was the first card I applied to when re-establishing my credit. Don't waste your time, they will make it impossible for you to close the account when you build your credit and get better offers. I called in to cancel my card that I didn't use anyways, it was a nightmare. Finally after being on the phone for an extensive amount of time the woman convinced me to not cancel. She would increase my limit and waive the annual fee. Three weeks later I receive a bill with the annual fee and an additional $10 limit increase charge, that I never asked for in the first- she offered it to me to not cancel.

This "company" is a joke! I've talked to a representative multiple times and always have a bad experience! I've never had worse service! I've been trying to set up an online account so I can pay a standard payment. The other option is pay nearly 10 dollars for "express payment." There's no reason for that! Either server is down, it won't let me add information, and other issues that prevented me from paying. I called them and instead of regular payment they only would take express payment with my debit card. I told the representative that I wanted a mailed out bill and I would pay then. Currently I am overdue, because I had lost my card and was waiting for my new one and he started threatening me about my overdue account and if I don't pay today they would come after me. This "company" feeds off lazy and or naive consumers. I will be paying this card off in full and closing the account, quickly!

If I could give this company zero. DO NOT GET A CREDIT CARD WITH THIS COMPANY!! I was sent one in the mail and activated it. I got more in late fees than using it. Their late fees are $35. They will not work with you. I have hidden fees every single time I make a payment. I am on the phone with them right now about some fees and one person transferred me to a department and I got hung up on. I keep getting hung up on. I have not used the card in over a year and yet still am over the limit. I cannot stand this company. Worse customer service in history. Save yourself the trouble and go with someone else, Capital One is a good one.

Wow what can I say... BAD BAD BAD!!! Bad service, Bad accounting, Bad People!! Long story short I paid off my balance followed it up with a confirmation letter and had a ZERO BALANCE. Then I get a bill for a CREDIT (I overpaid) then another bill for the interest and fees they deducted from MY CREDIT BALANCE! IS THAT EVEN LEGAL??? Every time you try to call them they put you on hold then hang up! DO NOT GET A CREDIT ONE VISA OR MASTER CARD!!!

I had a Credit One card for several years. I opened this card when I was young to establish credit. I have always been VERY responsible with my credit and have NEVER made a late payment in my life. This past January, I came into some money and decided to pay off my balances on all my credit cards. It wasn't much, but it felt nice to be debt free. I made one lump payment for the total balance on my Credit One card and never heard from them again. Then two days ago (October) I received a notice in the mail for a collection agency stating that they had purchased my debt of $345 from another debt collector. I traced the original debt back to Credit One!

I've had my card now for about 7 months and I have no complaints. My credit score has gone up and I've received a credit limit increase. It seems that people forget that the reason they have this card I said because they had bad credit to begin with. You can't expect to have horrible credit and get a Gold card from anyone.

I mailed a payment into your company the first of the month and I was sure the payment had been made. On 18 October I got a call and was told that I hadn't sent in my payment and was asked to make another payment which included a late fee. I checked my statement and found out that my check had been cashed the day before the call was made. I am very dissatisfied with the way my account was processed. I want to know how are they going to correct that error and to make sure it doesn't happen again.

I have been with Credit One for over 3 years! I would always get the notice when signing in my account "sign up for paperless statements". I usually just stay on paper statements and write down when they are due. Well I signed up for their paperless statements. What a joke! I get an email saying your acct. is past due. I called them up and asked, "Credit One doesn't send the statements to your email like every other company?" They said no! (But they will send you an email saying your past due.) You have to log on your acct and look at the statement. What's the point of paperless? I don't know about the rest of the world, but I don't sit around thinking about my credit card payment. They charged me a late fee. I just don't think it's right to do business like that.

We made bad mistake opening a credit card account with this bank. The reason - they seem to impersonate Capital One Bank, where we do the majority of our banking. Same logo, same font - we thought we were opening a Capital One, not a Credit One, account. My wife used the card a few times but there was no further communication - no PIN number, no statement, no letter - nothing, not like Capital One at all. So we visited the local branch of Capital One (very helpful and friendly staff). They said "no, this is CREDIT ONE who are well known for copying Capital One." We contacted their automated phone system - we had already been charged $75 joining fee and were already charged $25 late fee (we were already late despite receiving no statement). I phoned them to pay in full immediately, using their automated system, and was charged $9.95 for the pleasure.

I too wasn't paying close attention and because the logos are almost identical I thought that this was Capital One as well. They have very high fees for everything and their customer service is terrible and sends you in circles making it difficult to solve any issues. The last straw was when I realized that even though I wasn't using my card there was a "membership fee" which I wanted waived. I told the woman I wasn't going to pay a fee that I would rather cancel the card - went off a little on her, a little on the shady dealing that this company has displayed and she hung up on me.

These people and this company are a utter and complete joke. I got this card to attempt to rebuild my credit, but have had nothing but problems... When I withdrew cash with MY pin # from an ATM machine within days my card was blocked for suspicious activity. When I called and questioned it, I was told the block would be removed shortly... shortly was 4 days... no access to any $$$$$ that I just paid on my bill. Called yesterday to check my available credit limit and it was 44.00. This morning my credit limit is 0.00 even though I haven't used the card in days.

I am always annoyed at trying to make a payment to these people. I can never understand a word they are saying. They constantly have hidden fees that they charge you for. I keep this card for emergencies ONLY!!! It has no rewards to it at all. I would not recommend it to my dog.

I had a card with Credit One for about a year that I was keeping a low balance on to help build up my credit score. I didn't have any real issues with them until I had to get a new bank card. I went to pay my balance off on my credit one card and forgot to update to my new account information. They almost instantly locked my account. When I called to try and get the account unlocked they wanted me to jump through hoops claiming that I had sent a payment from an inactive account on purpose and that I needed to validate my identity. While dealing with this they added fees for failure to process the payment and for late fees since you was unable to access my account. Then they sent my account to collections. My $50 balance is now $360 because of mistake that they refused to resolve.

This company is absolutely a scam! Over the last six months, I have not been able to access their website. I've tried multiple, different, updated browsers and computers. Even the email links they send with billing statements do not work. Of course, you can pay over the phone for a $9 Dollar charge or by check via mail. Honestly, who uses checks anymore? Almost every bill I pay is over the phone or on the internet. I truly believe this is their way of making more money off late fees. I've called the customers service over a dozen times. When I can actually understand them, they are little to no help. Luckily, I just paid it off and cancelled it. Don't waste your time people!!!

Received a preapproved offer. Never received card. Called. Card sent. Activated card. Registered card online in order to pay and have access to info immediately. Went to account page where it said due date was Oct. 19. Saw limit. Saw balance. Never used card. Called to see why credit available was 0. Spoke with a service rep who informed me that the card was never activated. How, pray tell, could I receive information via the automated service regarding the account if indeed it was never activated? Rude responses. Sounded fishy telling me to disregard balance. Hmmm. Got a gut feeling that something isn't quite right. And what's wrong with having someone working for customer service that speaks plainly and clearly?

I called the company 16 total times to pay off, close account, get a refund of my 600.00 security and was hung up on 100% of the time. On 10/21/2016 I called the company from my phone 14 times, my boyfriend's phone twice. Each time I was hung up on. The first 5 or so times I thought it was a problem with the connection. After, when I spoke with a man, explained I wanted to close the account, he pretended to transfer me to 3-4 so called managers even though it was the same man each time. He finally transferred me to a woman named Michelle who said she closed my account after asking me if it was ok to charge my bank the 52.20 remaining on my account.

I applied for a Platinum Visa from Credit One Bank. I was approved September 22nd 2016. Today is October 20th 2016 and I have not received the card yet. Credit One says that they sent me a card. I did not get it so I called and they said they sent me out another card. I did not get it. I explained to the company that I just wanted to cancel. I didn't want to. I didn't want the card so they told me that if I cancelled or closed the account they will report it to the three major credit reporting bureaus. I need some help. I do not understand why would they say I have an account that's open that I never received a card to activate or to ever use. Could someone with information on who to contact send me a response.

Quick Background, declared bankruptcy (Ex-wife racked up some major debt in my name) and now building credit. When I applied, I was living in CA then moved to AZ shortly after and I called to have my address updated and to activate the card. After, I tried 2 separate times to use the card (gas and fast food) and it was declined both times. Called again and every time someone with broken English skills, which is a clear indication that their customer service has been outsourced to an outside country. I told them my address again and they said they updated it again but this time they said my last address updated was in AK... I have never lived there or even been there. This goes on for over 5 hours calling 9 different times and finally I just reached the tipping point and had the account closed.

I receive my Credit One bank card about a month ago or so. I noticed that there was more transactions done my card then come to find out that I kept on calling them day by day and they are saying that they don't understand why this is happening and it's not showing in the computer system it was happening but it is showing in their system using my card. I come to find out that I used it in the morning but then I look at my card at night and then I see the same charge on my card again which I didn't use the card later on that day.

I originally obtained this card to help rebuild my credit history. After a couple of years and with my credit score now in the high 700's, I asked if I could possibly have the monthly service fee stopped. They refused, but offered me a higher credit limit. I refused that offer and then noticed that not only was I being charged a monthly service fee, I was also being charged interest on transactions, even though I was paying the balance off at the end of each billing period. I attempted to cancel the card, but ran into agents who barely spoke English and extremely long hold times. I finally used a third party service and they were able to get the card canceled. I just now checked my online statement and find that I was charged interest on transactions for the last billing period, even though the statement shows a zero balance and zero transactions!

I used my mobile phone to make my November payment about 10 days before the due date. I was surprised at first by a new mobile website and continued with my payment. Hit the submit payment button... and, back to the home page. No payment confirmation number or anything. Anyway, about 2 weeks later I have a past due email. I call them to make the payment because yet again I wasn't sure it had posted. She tells me they have not received a payment. So, I asked to make the payment over the phone. She tried to charge me a $9 convenience fee... I said no way!

Someone opened a credit card in my name. When I received the cards I did not activate them but shredded them. Then I received a bill from them. I called and told them that I did not apply for the credit card. The manager closed the account. 2 days later I get 2 more cards with different #s thru fedex. I called Credit One Bank again. This time she closed it and gave me a # that was suppose to show it closed. She said she put a fraud alert on the account. The next day I receive a letter from credit one bank saying they received my change of address. I called again. This time they told me that they credit one sent out new cards to the address in Florida, but that "they would not be able to charge anything on the cards. We even put a password on the acct."

The worst customer service! I called today to get some account information and was not prompted to speak with a representative. I was not given an option to connect with a representative, I was finally connected when I did not select an option. The representative that I finally spoke to was not helpful with my questions and finally hung up on me. I suggest if they want to keep their customers they should work on their phone etiquette and actually listen to what their customers are saying instead of talking over them and ultimately hanging up.

I made a dispute on my account for $200 that I paid a Charter school for my son's registration fees. Two weeks later I found out my son wasn't going to attend the school so I asked for my refund. The school told me it was nonrefundable, I said no one told me this nor is it on any of the documents I signed! They couldn't provide me with any proof of this nonrefund rule. My son mother then went up to the school in which she was informed that my son was NEVER registered, they also don't have any paperwork or receipts of my payment. So I called Credit One to dispute the charge. They told me they have to do a investigation, ok fine... A month goes by, I call them back to see what's going on with it. I was told my dispute was complete and "a refund of 200 will be credited to your account within the next 30 days." Well 30 days pass, no refund!

Credit one bank is the worse of the worse. First it took them 35 days to send my card then they suspended the account stating there were fraud charges on the account. After I explained to them that I made the charges, they reissued me another card but, they transferred the charges to the new card, said there was an investigation and I should hear something within 30 days. Now I'm have a card that I can't use and no one within customer service have a clue about what they are doing. I wouldn't recommend this to card company to anyone even if their credit score was a negative 0.

I got a letter the other day saying that I was pre-approved for a card with a $1500 limit. Thinking it was capital one and since I have accounts with capital one I was like sure guess I will apply for this new card. When I looked for the website I noticed that it wasn't a straightforward site that says what brand card it is. I went to capital one and clicked on the pre-approval section so I could apply that way. The first thing I noticed is that capital one is 16-digit code while this back is 12. As soon as I seen this I only noticed that it actually wasn't a capital one card or any company that I have ever heard of before. Just would like people to realize it's not capital one like I thought it was.

I paid this bill in full twice. Each time they said it "didn't process". Then I realized the real reason is they sell the debt to their associated company and collect a higher interest. This is only legal in NV and a few other states. Really screwed me over. Then I try to pay the collection account and I keep getting hung up on. MY next step will be a lawsuit. Forget the fact they misrepresent themselves and Capital One.

I had used the Credit One Visa in Dallas to check into hotel on 10-3-16. I went online to make sure the hotel and refunded the "incidental hold" they put on card. When I saw my balance of my card was almost $600.00 I knew something was wrong, because I hadn't used this card except to check into hotel. I looked at recent and pending transactions (this was on 10-10-16) and saw numerous pending transactions for Uber in San Francisco and WEPAY in Palo Alto California and several other suspicious charges. I immediately called the lost and stolen card number and talked to a representative to inform him of the fraudulent charges. I found out from this phone call that someone named Francis ** had been able to increase my credit limit, add themselves as a secondary card holder and change my mailing address to Florida. I was floored. I had never received a call about all these changes my account and they allowed it happen!

I have 2 cards through Credit One Bank (MC and Visa). I just recently paid off my Visa card. I used a different account to pay the balance and of course they took the money and applied it to the balance. Now my account is blocked. Said they needed to verify the bank account was actually my account. So I sent 2 letter from my bank showing the account were verified and accurate. They still refuse to unblock my visa because they can't figure out whether they have the letter or not. NOBODY knows anything. I have talked to supervisors (well at least they say they are). They can't back up anything they say. Said it was policy to ask for any documents they wanted. I asked for the policy, and go figure they couldn't produce it!! Shocking right!! Amazing they treat customer who pay off the balances this way. HORRIBLE, HORRIBLE customer services and they never seem to know what is going on. NEVER AGAIN will I use them.

I only applied for a Credit One card to help fix my credit while providing emergency cash. Everything was great. I check my accounts everyday so as soon as I saw a payment due I paid it. Never had a late fee and never overdrew my account. My credit went through the roof due to my new car note and other bills I made sure to pay on time. Since I now have solid credit I have no need for a high interest rate credit card. So what did I do? I paid it fully out and CLOSED the account. You would think that would be it right? Wrong!

Boy did I make a mistake when I got mixed up with this company. Credit One is a huge mistake!! For a month now, their website has been down and trying to contact customer service is a nightmare. I finally got through to someone two weeks ago and complained about the website not loading. First she told me it was my computer (no way) but I stayed calm and polite and told her I had tried their website on 3 different computers and it would not load. Then she tells me it's down for repairs? Come on... Anyway. I just got off the phone (for the 3rd time) complaining about the website and again I was told it would be back up and running in 3 to 5 business days. I then told her, "that's what you told me 2 weeks ago"...

I have never written a review before... but I was so mad at these people I am now writing my first. I initially signed up for this card as a credit builder tool. Wow! What a bad choice. When I was done with it, I tried to close it out as it continued to charge me various user fees. So lucky me – I get to call their supposed customer service department. After nice long holds I had the pleasure of speaking to the customer service team Credit One Bank has so nicely outsourced to the Philippines. And man, does it ever show. I had to spend 2 hours over the course of three different phone calls to finally get the account closed correctly and the incorrect fees waived. When I finally thought all was solved... I get a late balance overdue notification in my email. Are you serious!!!

I have received the worst service in my life because Credit One Bank closed my account based on a mistake they made. I want to maintain my account closed and I do not want authorize it reopened again. Reasons: They made debits two times from one payment. I asked for my refund for one of them, and in addition they asked for late fees for a payment that I already paid plus charging interest for that and they still said I have not paid. The persons attending the call transfer the call from one person to the another without resolving anything or hang up on me.

Credit One charges my Visa and MasterCard accounts $8.45 per month. When asked what the charges are for, there is NO clear explanation. I had paid off both cards. Next thing I'm getting phone calls about a balance due and a late fee. Here is the problem, THEY NEVER SENT ME STATEMENTS that I had charges on my credit cards. I never used the cards and I am not paperless with them. I received paper statements when I did charge something. How in the world is one suppose to know there is a charge on one's credit card if they don't send you a billing statement? I have to call and BEG for a paper statement, then they don't send it and then they charge me late fees. TOTAL FRAUD. I finally wised up and cancelled both cards. YOU SHOULD TOO. My next step is the authorities to look into their fraudulent business practice.

I'm not understanding this company! I always send more than the minimum payment. Barely use it. I would go months without using it and still have the same available credit. The rep said the more you send the more the take out for monthly charges! WT... Then, I did the increase that was suppose to cost only $20 from a $200 increase. Not, true! I only seen $100 from that. Stay away. I hope it gets shut down soon. Worst company next to Wells Fargo credit card. This card sucks.

Every other creditor I have, I pay my bill and there is nothing else for me to do. With this company, you pay your bill and if you are lucky it will be processed. They do not do email confirmations. A prudent customer of this company should always call to double check the payment was received and get a reference number. You should also print out your confirmation page. And then check two days later to see if your payment is reflected online.

I recently received my Credit One Card recommended by Credit Karma. Setting this account up was a nightmare. Each attempt lead me to a cannot complete setup because; invalid username, invalid password, incorrect expiration date, etc. I then contacted customer support twice! The third attempt directed me to a barrage of consumer offers, coupons for a fee, a T-Mobile account and many more. I had to use a second phone to reach a representative, it then took many more attempts to set up this account. At this point I am totally paranoid to give this company any banking info, account num. even the name of my bank. I intend to visit my bank and with the assistance of a personal banker pay the small amount on this card off, canceling the card and putting a block on my account for this company prohibiting a payment of any amount. I can only hope I don't make a mistake like this again.

I don't even recall applying for the Credit One Bank card, but I have one. I have NEVER used it at all for anything yet every single month a new charge of just under $25 shows up on the card. Because I've never used it, it's locked up in a file cabinet and I've just about forgotten all about it. Yet very month, several weeks BEFORE the payment is due, they start calling me repeatedly, 8-12 times per day for a payment that is not even due yet. Maybe they are so desperate for my $25 that they can't wait until the payment due date? They promote the card as a great way to rebuild credit which confuses me yet again, because I have no need for that either.

I have been in dispute with Credit One since july. It is in reference to my account. Credit One states that I missed my july payment. They charged me a 25.00 fee, reported me to the credit bureaus as a missed payment and reported me to a collection agency. I have mailed them a copy of the check for 100 dollars. They state that it's under investigation, they been saying this now for a month. Have spoken to so called supervisors and had no luck. Would like a resolution.

This company will send you a credit card when you never requested one. They will ask you for your SS # and birth date even if you never applied for credit. Buyer be aware that this company is not honest in your customer service representatives that are calling from Asia. YouTube video explaining excessive charges explains it all.

I first heard about the credit card with an offer in the mail for $1,500 line of credit. Now, to be honest I did not read the contract word for word. When I got the credit card I got a $400.00 line of credit. I was not happy about that but I still wanted to keep the card so I can build up my credit. When I got my first bill I was charged for $75.00 and I have not yet made any purchases. WHAT!!! The $75.00 was an annual fee and my monthly bill was $25.00; can you say financial entrapment.

I have had excellent payment history with Credit one and they have increased my credit 4 times without me even asking. I originally got this card to reestablish my credit. It's been almost two years and I now have another credit card. Although I have received so many other credit card offers in the mail, I decided I would only keep Credit one and my Barclays.

I don't even believe that this is a legal bank. I got confused between Credit One and Capital One and opened an account with them. It's just hard to believe that they get through with that. They just have the same Logo Design which is totally deceptive and makes you sign up with them without even checking twice "a crime". I just realized after I was about to sign up for an online account, that this is not Capital One.

I had this card for over a year and recently need to update my automatic payment information online. I updated, but mistakenly put my credit union membership number in the field instead of my account #. I only realized this when I received a letter saying that my payment was rejected by Credit One. I immediately tried to go online to verify the info. I couldn't access the online Credit One account - a message saying my account was temp. unavailable and to try again later. This happened for a few days. I received a call from Credit One's payment center and they asked if I could make a payment over the phone. Sure thing! I gave them my debit card and it would not process.

This company closed my account with no notice after they took an additional payment out of my personal bank account, that I had to call and stop payment on to keep my bank account from being overdrawn. They said since I stopped payment, that was grounds for closing the account. They said they notified me of account closure and why, which I had never received any noticed. Never get to talk to anyone who speaks plain English. When asked to speak with supervisor or manager, all they tell you is they have telemarketer supervisors. I have had the account for 2 years with never any problems, account paid every month before due date. Have been a loyal customer. However this company does not care about their customers and steal money from them! Beware! Don't get a credit card or bank with this company!!!

Overall, I had a pleasant relationship with this card/company. The interest rate isn't great and they have a startup fee and an annual fee so once I had paid it off this last time I had decided to close it because I have two other cards with lower interest rates and no annual fees. I called to close the account and at first I was speaking to one foreign man who switched me over to another foreign man who (I ** you not) sounded exactly like the first one. As in, I'm pretty sure it was actually the first man who was speaking quieter because a few moments later he raised his voice and if it wasn't the same person then I'm really surprised.

I am trying to rebuild my credit, and Credit Karma had suggested I apply for a credit card with this company. I was approved for a 500.00 credit line, and was informed I would receive my credit card in 7-10 business days. After approximately 20 days, they sent me a letter stating my time was running out to activate my card. I called and informed them that I never received my card. They asked if I had put my apartment number on my application??? They had already sent me mail, which I received, so they were fully aware that I indeed included my apartment number.

I got a random ad for this cc in the mail about 18 months ago. Since at the time I was almost 20 and I was always pushing my TJ Maxx cc I figured I should have another cc. They started my credit limit at around 300. Then soon after randomly my limit went up to 550. I never made a late payment and in fact my payments were typically right after I got my bill in the mail. Meaning my due date was always on the 16th of the month and I would get my bill around the 26th of the month but I normally paid it once it posted via phone call though the auto system I called. This 75$ card fee I never saw but maybe since I was just happy for another cc I never noticed it.

When I opened this account, I didn't know that there would be a monthly fee to have this card whether I used it or not. That's my fault, I know, but trying to close the account seems to be impossible. I contacted Customer Service 2 times to close it but each time it remains open. I refuse to pay the monthly fee because I closed the account before I used the card but I'm still being charged the monthly fee. I'm also still getting emails from them that welcome me to Credit One Bank.

I got a preapproved letter in the mail and called the number that was given only to find out I was declined. I called to find out why and they refused to tell me over the phone. They said I would get a letter telling me why. Now what I don't understand is why I was approved in the first place. They should check credit before issuing a letter.

I had two failed payments within a week of each other. Not because of lack of funds but because the account # was incorrect. Credit One closed my account immediately. I was in Mexico at the time and went to use my card I had previously thought was just paid off. Turns out it was cancelled and that was somewhat disconcerting and a bit embarrassing. I called in to make a payment and to reinstate my account but they said I could only make the payment, not reinstate the account. Oh and they wanted to charge $9.00 for a service fee!!! What a bunch of crooks. These people prey on people rebuilding their credit only to try and make it difficult to do so. STAY AWAY FROM THIS COMPANY. They need to be shut down.

Both my husband and I each have a credit card through Credit One bank. It was very easy to obtain, and we thought it would help our credit. I received my offer for a first card, filled out the application online and it said the card would arrive in 7 to 10 business days. Okay 7 days pass, with no card in hand I received a statement for $75. I called and told them the card had not arrived, nor had I activated it or made a purchase. So they canceled that card and sent me a new one. In that process, I moved and over a year later still have not received the card, but still receive the bill. Back in April of 2016, my husband and I both receive an offer so we fill them out and my third card arrives on day 10 along with a bill. His arrives on day 7, no bill. I call to tell them the same process and they want to send me another card, I told them no. They didn't end up charging me (or us) the $75 until we activated and used our cards for the first time.

I misplaced my credit card. I called Credit One to see if there was any activity. Luckily there has not been! While on the phone with the man (who I could BARELY understand), he informed me he was going to send out a new one and charge me $25. I told him I did NOT want a new one, close my account. He insisted that I could call them back and have the $25 removed after I got my card. I insisted that he close the account and he hung up on me. I have tried calling every number to them back and they have blocked my phone number. I get a recording that "their offices are closed", even on the 24/7 phone number.

They kept sending me pre-approved letters. The 1st time I almost fell for it (I thought it was Capital One) when something told me to look at the back. When I saw the high percentage rate and all the fees, I looked at the front again. Ohhh. CREDIT ONE!!! I shredded the 1st one only to keep getting more. "You won't believe the credit limit!!!" They're right about that!!! After reading so many complaints I don't think anyone gets the limit they were quoted. I never responded to them because I was afraid they might try to open an account in my name. I finally went thru the "opt out" and haven't heard from them since. If they do you wrong (especially with your credit report) DISPUTE IT!!!

I had this card for 1 month when I had charges on it from Las Vegas stores. I contacted Credit One by phone and was told I need to put it in writing. Wrote it up. 1st it was denied, then I provided proof that I was not in Vegas and then they reversed it all. However, during this time, I did not have access to my online account and did not receive paper statements. Therefore, I made no payments for almost 3 months. Still showing on my credit! This company is a joke. Now my payment is not due until Oct 15th and they have called me already 4 times this morning! Just want to pay off my small balance and never use them again!

On Aug. 12, 2016, someone at Credit One Bank checked the balance of my personal checking account, and authorized an "Express Payment" of $809.95. My bank account had just over $850 in it at the time, and the bank stole the maximum they could without going over my balance. I was out of town at the time and only caught this fraudulent activity 4 days later - during which time I was bouncing checks like ping-pong balls.

I called credit one bank about my statement as I never received it in the mail for August 2016. I got a woman who barely spoke English and was yelling at me that I knew the billing cycle and billing information. I explained to her that I was paying my balance in full with a check and needed the statement to go with it. And she said that she would mail me a new statement but my bill would still be late. I said that I understood this but I didn't want my bill to be marked as late for something that they never sent me. And I didn't want it to appear on my credit report. This woman told me "not my problem. Is it?" She never let me finish a sentence and when I asked to talk to a supervisor that spoke English and wasn't so rude she told me that No one was available and I said there is no supervisor there.

I opened an account months ago and have been able to access my account online only two times. They say the site is 'temporarily unavailable'... They force you to call and make a payment so that they can charge you to make the payment, incur late fees and be unaware of your balances and transactions. Shady ass company!!!

It is interesting to read these reviews. I doubt no one. I, however, have not had an unpleasant experience with Credit One. I have placed two or three calls to this company, but I have never spoken to anyone who was not a native speaker of English--my account is about 18 months old. My interest rate is about 24%, though I would like to see it lowered. I have, on a couple of occasions, accessed cash at the same rate of interest. I was given a $400 credit limit, which was raised within 30 days to $500 without any additional request.

I have a credit card with credit one with the hope of building my credit. I get at least a half dozen calls every day including Saturday and Sunday from different phone numbers but I have caller I'd and know that it is Credit One making the calls. I am not past due. My payment of 50.00 is due on 9/28 and they should not be calling me before that time. My account as a red past due on it but 9/28 is over a week away. I have given Credit One's information to my attorney and if the calls persist the attorney will file a lawsuit.

On 09/13/2016 I called Credit One to make a payment, but since I had already made three payments within a month they said I couldn't pay until the 23rd. On the 17th I get an email that says I am over my credit limit so I tried to make a payment then but the website kept timing me out. I couldn't complete the payment till the morning of the 19th. On the 19th I also noticed Credit One hit my credit report for derogatory account. When I called Credit One after seeing this I talked to Eva who refused to allow me to speak with a supervisor. She was not the least bit concerned about the situation. Advised me to submit a letter to fix my credit hit. Not very happy at all with how they take care of their customers. I must say it is the first time I have had business dealings with a company that you have to fight to pay the bill.

I had an account in good standing for more than 3 years. This has been a hard year, my husband died, my household income decreased. I got current, then did not meet their minimum 2 months. Paid them something. Wrote them a letter with a plan to have them paid off with 12 months. Declined this 2 twice. They want over $1,000 this month. I owe $1400 ish. They do not make arrangements.

I applied for a Credit One card to help repair my credit and have been very happy with them. I'd recommend them to anyone looking to get a card with a low limit to start rebuilding or repairing their credit. As some others have stated before, I think the vast majority of people having issues with COB simply don't read the fine print. I had no surprises with annual fees, payment due date or the interest rate. Everything is spelled out in the application paperwork. I have had absolutely zero problems with this company. I have a feeling most of the people complaining here have little or no knowledge of how credit, credit card companies, and even personal finance, works.

I thought I was smart. But I guess not!!! I applied to this Credit One Company for a $300 limit. I received my card in a week. When I read the instructions, it stated there was a one time 19 dollar activating fee and a once a month 9 dollar fee for using the card. So my limit now was $272. I spent a 100 dollars so I thought my balance was 172. When I went online to check my balance, the message was "Temporarily Down". So I called the number in back of the card and hit 1 my balance and it said I had a 58 dollar balance!!! WTF!!! I went back online again and it was still temporarily down!!! I waited 2 hours and called back. I hit 1 again and now it tells me I am overdrawn by 52 dollars!!! WTH!!!

I filed a claim to dispute an unauthorized transaction of $1,251.05 knowing the credit limit is $300 which I was shocked this company even approved any over the limit transaction. While the dispute claim was pending, the company never ceased any reporting to the credit bureau and actually reported my utilization at 200%. This made my credit score dropped very low to the point I couldn't get approved for a home to rent. Credit One sent a letter, stated the charge is valid and closed the claim for some reason after I mailed them several documents confirming the charge was made without my consent.

I wish I had never opened this account. Over the period of almost 2 years they have paid on time, plus extra amount to improve my credit score. Two months ago I requested an increase in my credit. It immediately had me over my limit even though their company approved me. I was charged late fees. And trying to speak to their Customer Service Reps are one step from abuse. From the language barriers to extensive time waiting on hold only to get someone who barely speaks English. And now I am stuck with this bad credit card associated with this bad company. Today I spoke with someone about my account, he screamed at me because I did not agree with what's on my account. BBB needs to investigate them!!!

Credit One bank credit cards has to be the most ridiculous credit card company ever. They are such rip off company ever. They should be shamed!!! I can't wait to pay this ABSOLUTE RIDICULOUS CARD OFF. They make it so hard for you to pay your bill online and then if you pay it over the phone they charge you $9.95!!! I got this card to help rebuild my credit, but boy was I wrong. Worse mistake ever. It's just keeping me in debt with them (SAD).

I applied for this credit card and saw it was processing. I had to call customer service because I had accidentally submitted twice so 2 cards were pending. The guy at the other end of the phone said I will get my cards if I send them a copy of my social security card. I asked if there were other forms of ID I could use, and he said no - which was odd. I did take down the address. I was planning on reading the reviews and seeing if this was a scam before taking that step. The mailing address was not Credit One Bank, it was "Customer Service" and a PO Box in Las Vegas. I am definitely NOT sending a copy of my social security card to anyone.

I'm absolutely appalled by the reckless, ludicrous and downright inflammatory comments/reviews of Credit One Bank and their credit cards. For all intents and purposes, they're a relatively new company. I mean, who ever heard of them before last year? Every company, big or small, has to start somewhere. If that means hiring overseas (and NO, I do NOT like dealing with thick accents or scatterbrains), then so be it.

I made 2 payments in August. My payment is not due till October 2nd. They have called me 4 times asking why my payment is late. This is only September 12th. DO NOT GET THIS CARD. THEY ARE A RIPOFF and they will harass you even when your account is up to date.

You haven't even made your first purchase yet, and 2 seconds after activation, YOU OWE THEM $75.00 and then a monthly fee thereafter? If you could afford to give away money, YOU WOULDN'T HAVE A NEED FOR CREDIT!!! This type of practice is ABSOLUTELY OUTRAGEOUS!!! The BBB or Department of Consumer Affairs need to step in and put a PERMANENT END to this type of business practice. I am going to cancel this account immediately. Although I will still be responsible for this $75.00, I will pay it, and will NEVER, EVER answer another offer from Credit One Bank.

I received an offer in the mail and was really excited because I thought this was CAPITAL One! I have two cards in good standing with Capital One so I thought that I was receiving another offer. I logged into the site and IMMEDIATELY realized that this was NOT Capital One. I was somewhat disturbed by that, but did not listen to my gut. I was approved for $400. Ok. Whatever. I should receive a card in about 14 business days. Well, I never received the card. Then out of nowhere here's a bill for $75 for the annual fee. I contacted them and an unfriendly customer service rep, with an accent, told me how many days it takes for the card to arrive. I explained that that time period had come and gone. I was being patient but I'm concerned because the bill beat the card to my home. She was unmoved but I said ok and waited another week.

I just got a credit card from them and it's 500 dollars credit limit but because of the fees my balance went up to 502. My due date is sept 14 and they started calling me on sept 9 telling me that my account is overdrawn. I said, "yeah first of all why the hell are you calling me 5 days before due date? Second of all, it's just 2 dollars overdrawn." They suck bad... I hate getting all those calls.

I have always used the Credit One Bank website to process my payments. The amount of time they take to process a payment when made online is very erratic and never consistent. Although they won't admit it, several times it appeared that they actually delayed processing my payment long enough for me to incur a monthly late charge on my account. When I call to discuss my account with them, I always speak to someone that speaks broken English and is very hard to understand. Occasionally they are rude. They are almost never helpful. Luckily, I have a very small balance on my Credit One Card. I will be paying it off and never associating myself with this bank/credit company again. I will tell everyone that I know to avoid this company at all costs.

I accepted a pre-approved offer from this bank because I am trying to rebuild my credit. I used the card one time, 1 week ago and have not received a bill yet. I have spent 2 days trying to log on to their website to establish a recurring payment set up but it does not work. I have reset my password over and over and over again but the site is just not working.

Credit One has the worst customer service who calls you nonstop and you can never understand what they are saying. My balance wasn't even past due and they kept calling me and wouldn't stop asking when I was going to pay on my balance (mind you it was not even close to the max limit) and also have not even been able to log on to my account online for the past MONTH! They still have not done anything about it. They overcharge you and don't work with you. I would NEVER recommend this terrible credit card service to anyone.

Relatively easy to open for a quick credit card. I agreed to pay fee to obtain at $49-$99/yr. Used about $60 credit. Before month was over, found out I owed like $200... How'd I like that?!?!

My personal experience with Credit One Bank has been negative. To be responsible with my credit and paying on time, I have made a very organized plan. Any other credit card I have chosen to have, there have been ways to communicate via secure email with customer service representatives. Some even have live chat windows during certain hours.

I had my Credit One card put on hold. I applied for a second credit card from them not realizing that it was the same credit card so they put my card on hold. Thinking it was fraud I called them and explain what happened. They wanted a copy of my social security. I refuse to send them a copy of my social security so I sent them a copy of my driver's license. They still have my credit card on hold. I asked him to put it in writing. Why they just wanted a copy of ss % states to get their customer service is beyond the worst thing ever seen in my life. I can't even pay my bills online is everything's been on hold for they can accept my payment over the phone. Do not apply for Credit One terrible, terrible customer service and I would not fax my ss.

This company is fraudulent doing illegal practices. They will charge you to make a payment. And then close your account. They never have a English speaking rep. Never do business with Credit one - complete rip off from start to finish. After they closed my account they called 2 wks later to get more money saying that they could reopen my account. Only because they know that what they did was illegal and breach all contracts. Never deal with them.

Say I had a payment of 40.00 and sent them 35.00. I would get hit with a late fee and a 24% interest charge. The rep was helpful... yet to be seen. I closed the account. He said I would still incur annual fees and interest. This is a racket and a scam. Do not do it.