Credit One Bank Reviews

Credit One Customers off their Web Site and charging Phone Pay! The Customer Services Listed on the Website states WEB Problems Call a Number Listed There. When the WEB Problems Number is Called the Phone Call Employees read a Scripted Message that includes Excuses such as: "Our Web is Site is Down and Will Be Repaired in a Day or two", and the Following Week, they say: "It must be Your Browser", and other Excuses until they say: "We can Process Your Payment for a fee of nine dollars"; which is the Credit One Bank's intention in the first place.

This is one of the worst bank I've ever experienced! On August 3rd I requested a refund check from Credit One that was deposited into my account for a substantial amount of money. It is now September 2nd and I haven't yet received the check. Customer Service gave me 3 different dates, when I asked to cancel check and direct deposit into my checking account - they mentioned an additional 7-10 days before money become available! This financial institution need to be barred - bad enough when I first applied they gave a false advertisement being part of Capital One. What a disgrace!

Credit One has been charging my daughter a monthly service fee and late fee for an account I paid off over a year ago. They are now charging her fees for not using the card. When calling customer service they do not specify that a monthly charge is due on not using the card. As a young college student she is out a bunch of money.

Don't get this card for any reason. It's too many people on here that I see saying that Credit One Bank is a good credit card to have to rebuild your credit or to start credit, it's all lies. They are full of it. By far the worst credit card I have ever had. Please stay away. They are very unfair and their fees are ridiculous.

Credit card service won't allow me to pay online as I have and it works. Accepts payment from my bank that weeks later card service says no it didn't work so late fees, every computer I use say it received payment. But no says Credit One bank. And now I call in payment with charge of $9.00 to make payment. So tired of it. Late fees. Plus fee to take payment.

I just received my card and thought that I was getting a Capital One card. It is very slick the way they market this offer. I received a pre-approval and It appeared to look like I was getting a Capital One Platinum card, So I would say this is a form of false advertisement. Maybe it was my fault that I should have looked more carefully before I applied. I called and got my card cancelled, and also asked for a confirmation number (very important). If for some reason they send me a bill, I have the confirmation number as a back-up. I have learned my lesson to look before I leap, I already have a Capital One card and I'm fine with them.

If I wasn't trying to fix my credit I would have never opened this card. Credit One approved a credit line of 400.00 dollars for which I didn't feel one way or another about then a few months later they increased it to 550. I honestly don't know how this card is helping my credit. At this point I've paid the balance in full and yes I did have to pay a annual fee of about $75.00 dollars or 95.00 I can't remember but I wasn't happy about it either but as I said I am trying to rebuild my credit so I just decided to deal with it. I've been using this card for a year now and have repaid the full balance (proud of me) but as far as helping my credit, I not too happy about that. I check my Experian account once month and don't see a huge increase in my score.

I was sent a new card, and when I tried to use it, it declined and when I call them, some guy who could not speak English and did not know what the hell he was doing, kept putting me on hold, and tell me to throw old card away. I tried to explain that "the new card is just not working and I will not be in the store embarrass. Can you please tell me what's going on." NO HELP. When I pay this card off, I will never use this company again.

This company sent me a card I know I never ask for. When I tried to activate the card I was directed to customer service. That's when the headache began. These people are so unprofessional and you can't even understand them. They repeat the same thing letting you know they reading a script. It's been 1 month and still I haven't been able to activate this card. They asked for more information to make sure I'm how I said I'm and still a problem. In 7 more days from today I'm going to cut this card up and pretend this never happen. Yet I told them if any of my information gets into the wrong hands I will be suing them hard!!

I have had my Credit One Credit Card for less than 4 months, have made all my payments on time, and they have tried each month to add a $25 late charge onto my account and charged me right off the bat $75 annual fee. When I call customer service, none of the reps seem to speak English and are extremely rude. I feel this company is a scam. I will be reporting to Better Business Bureau.

I have waited a month for that crappy card. At this point they can forget about ever getting paid back. I am going to max that sucker out and run if I ever get it. I am going to teach them about promptness if it's the last thing they ever learn.

Want to pay my bill. Website is down. Called. They want me to pay 9.00 express service. Then offer me more credit 150.00 for fee of 24.95! What a rip. Going to pay account off and cancel.

This company is a phony. I signed up for this thinking it was Capital One and I only realized it after I was approved for the card. They have charged me multiple times for an annual fee. ANNUAL fee! As in once every year. No, they charged me every month for three months now and there is no absolute way to get a hold of them. All the numbers listed are nothing but automated messages. AVOID THIS ** COMPANY!!!

Like many others in stories and online tales I have read, I didn't take my credit seriously. I learned late in life that it's very important to have good credit. Recently after some hard work in bringing my score to a half decent level, I gathered up the courage to apply for a credit card. Never had one before and I'm in my mid-30's. Credit One immediately approved me for $500 and stated it was pending investigation before being sent my card. Feeling lucky I applied for a Chase card as well. What do you know, $5000 limit! I was on vacation for a week when I applied for both.

I got the card but I didn't order it. They are a scam.

Closed my account and was still getting charged interest after I was told that I would not be getting charged. The most horrible experience ever. Paid my card off triple the amount I spent on it. Please don't get this card people. DON'T DO IT!!!

I applied online after an offer saying I was pre-approved for a unsecured credit card, but then I get something in the mail asking for me to send them a copy of my social security card. I called them and advised them I gave them my ssn. Why do they need it and they said it's part of them verifying. That makes no sense to me and the company is based out of the Philippines as I asked them, but they asked me to mail a copy of my social security card to their location in NV, don't think so. Forget it! I believe it's a complete scam. No cc company has asked me to mail them a copy of my social security card.

This credit card company is a SCAM. First, I was automatically charged the $75 annual fee, which turned out to be the least of my problems. I used the card a handful of times. Making sure it never got over $150. I never received a statement, email, or phone call stating when my payment was due. I then called to have this set up and was told that my balance was $239 out of a possible $300 and that I needed to make a payment THAT DAY or I could wait until September 4th and make a $50 payment. I told them I would possibly be able to when my husband got home.

I received one offer for credit card from Credit One Bank last Year showing pre approval for $1500. I applied that then they gave me $600.This was first shock. In first month statement they added around $70 as annual fee although it was not mentioned or highlighted anywhere. I spoke to them and tried to cancel card then they reduced fee as $20-30 and committed for that year only. Again this year they have charged $99 as annual fee. I am shocked now and Customer service team is so rude and unprofessional. I asked them to close the account. Is it a bank or looting company. Don't understand it. Please be careful of them.

I have made my payments on time with Credit One every month for almost a year. I have been rebuilding my credit. This month Aug. I made additional payments to lower my balance. When my statement was available I reviewed it and was going to pay the monthly payment and a little extra. Apparently I have already exceeded the amount of payments for the month and they would not allow me to make my payment of 28.00. I asked "so if I cannot make another payment until next month I will go past my due date, will you all charge me a late fee?" The answer was yes. I have not heard of such business practices in my life. It's all about how they can hook you and prey on those who are trying to rebuild their credit. The card has helped me. However their business practices suck. I will cancel this card ASAP. I have fixed my score good enough to get a reputable company.

I keep receiving pre-approval letters in the mail from Credit One Bank. First thing that is highly suspicious is that they attempt to make their logo look like a more reputable company, Capital One. If I hadn't carefully looked it over, I might have mistaken them for Capital One. When I opened the letter I saw all the outrageous fees, interest rates, etc. that accompany this card. Another red flag for scam artists is their web address. It is a series of random letters and numbers, rather than a domain under their company name... fishy. On top of that, when you go to their website the very first thing they ask you for is your social security number. There are no other pages or options. That seems like a trap to steal and sell people's identities. Overall, everything seems very suspicious. I've never applied for their card, but I continuously receive these letters.

For people with bad credit, who are rebuilding it... we can't be choosy about cards. I have never had any issues at all with my Credit One card, and it has done wonders to help me rebuild my credit. None of the fees have been surprises... it is all spelled out in the paperwork that people never read. It is in print in many places. But there is a reason many people have bad credit, they never read... and they don't make payments on time. That isn't an issue with the bank, but the people who are reviewing badly over their mistakes.

Making my payment I made the mistake of putting my check number on the end of the end of the account number. They never contacted me to tell me there was a problem so after making another payment I saw the mistake and called. Got some guy I couldn't understand, "Oh John we will take care of that for you." They sure did suspended my account, went to hell after that. Just called today 8-15 -2016 "oh haven't got your payment so we charged you 35 dollars because it's late." If I had to do it again I would never get a card at this place again. I will pay this account off and I'm sure I'll get a late charge and a finance charge in doing this but that's ok I got screwed already so what's one more time? Hired people that lie and can't talk English. My bad thinking this was a good thing. Never again.

This is the most horrible credit card. NO ONE speaks English, they take forever to solve any issues. They freeze your account and you have to call to make payments and that takes 20 minutes. I paid this card off and will never get it again. I tell everyone about it and how terrible it is. It is very shady and I don't trust it at all!!!

I recently received a pre-approval letter from this bank so I decided to check it out. I am rebuilding my credit so why not. I did the application and never heard back. So I called to check the status of my application. I was immediately transferred to an agent who spoke very poor English. He wanted my full social security number which I wouldn't give him. Then he said "you're declined." I said "how could that be? You just told me you wouldn't give me any info without my full social security number." He just repeated "you're declined" and hung up. Very rude.

This company stinks. You can't contact anyone with a problem, you only get recorded messages. You can't send an email for help. Even though it is not in the cardholder agreement, they only allow 4 payments in a 30 day period. Before the 30 days is up I will go past my due date, then a late payment charge will apply and more importantly, a late payment will hurt my credit score. AVOID THIS COMPANY AT ALL COSTS!

MY first CC ever was with Credit One bank. I've had this card for exactly 10 years now and It's just okay. The interest rates are a little high, but I only use it for gasoline and pay off the balance every month. I started out with a $500 credit limit at 18 years old and now at 28 years old I have a $16075 limit. My only complaint about these guys are the fees. Fees are charged for nearly everything! Need a new card? Fee. Need a new PIN mailed? Fee. Want a credit line increase? Fee. Want your payment to post in 2 days? Fee. Other than the fees, I guess Credit One is alright.

I got the Credit One Credit Card a few months ago. Trying to establish my credit, a merchant that I had made a purchase from them using the Credit One card, decides to charge an extra amount of money other than what I had signed and agreed to pay (they sent me an e-mail letting me know about the future charge. I called them and told them I did not agree with it and I would not authorize it). But just to make sure they didn't charge my card I called Credit One to let them know that I never authorized a larger amount from what the merchant was trying to charge me, and I asked them not to let that charge go through, (the merchant had my card information) and Credit One decides to tell me that they are going to let the charge go through, that they don't have the option to stop it, and that I should send a letter explaining why I don't agree with the future charge.

Unable to contact customer service to find out why I was unable to access my account as usual. Foreign speaking represented ended my call claiming he/she did not understand my first name. I am really pissed since I only wanted to pay my August 2016 amount due. I promise to never again be a Credit One Bank customer.

This is the last straw with this bank. Yes, I should have read the reviews. I know. I have had this bank as my credit card since my divorce and ending in bankruptcy. I got the card because I wanted to rebuild my credit and this was easy to get. I have always charged and paid off. I ran into some difficulty financially recently and used the card and was not able to pay it off right away. Now the story...

It has happened to me twice. I paid my monthly payment early and they charged me a $25.00 late fee both times. I called them and they did refund me the $25.00 but on my status it is still saying I have a late payment. I can't wait to close out my accounts. Seems like a scandalous company!

I have continuous problems with this company in the past and their complete lack of customer service is deplorable. Every time I speak with one of their representative they surprise me with their complete lack of competence. My last experience with Credit One was they kept sending me emails that I was approved for a credit increase. When I put my information for their website it would not go through. I called the company and the representative told me that, that offer had expired. Yet, when I looked at the date expiration on the email it didn't expire for another 3 days. Then the representative told me he couldn't even find the offer in their system when I was looking right at it. Just a half ass company and I am just putting my card in my safe and not using them anymore.

Two instances I was a bit put off with the card. The first time, I paid the bill on the due date, but still received a late fee because I paid it around 8:30pm, and not before 8pm. The second, I thought I paid the full amount, I clicked pay full balance, only to receive a late fee and the bill stated I was off by 17 cents. I thought that was ridiculous to charge $35 for a 17 cent error that I believe was theirs. I paid the bogus fee but I am done with this card at this point. It's ridiculous!

So one of the reasons I was offered a pre-approval from Credit One today is of course, because of my low fico, yet slowly climbing back to the 600 mark. So basically, I received my pre-approval, opened it up and checked it out. I was like OK, pre-approval. Let's see what it's about. I go to look for the web address to log-in and enroll and that's when it hit me... This isn't Capital One... I went to the website www.KzB4Ln.com which immediately grabbed my attention. This seemed pretty scam official based on that web domain. Once I actually started looking to log in is when I noticed the company font and logo are flat out pushing the lines of fraud and identity theft of Capital one. I'm no copyright lawyer, but if I were Capital One, I'd be pissed off on how these guys are infringing upon their logo. I basically opened this pre-approval because I thought it was CapOne, who I liked when I was a customer 4 years ago.

I do have an account in Credit One and am very happy to have it. But this time I am just surprised when they charge me $75 for annual fee. Am pissed off and I call them right away and they want me to stay and they make $25 for annual fee. I never encounter this before - never in my life and this bank is scam. BIG SCAM!!! So guys please please please don't make get one or else you guys regret. Just want to share my experience to this card. I am not pay the ANNUAL FEE!!! I waive it.

I signed up for an account JUST to post this warning. I have had a Credit One credit card for about a year and regretted it very early on. Their fees are insane and minimum payments never seem to go towards principal like they do on another card I have with a different company. This is a terrible card in my opinion for rebuilding credit as it seems to put you only further in debt.

I hate Credit One Bank for the mere reason that they constantly are charging fees, and then if you forget to pay the fees and make a late payment, then they charge a late fee on top of that. Plus, the interest rate is outrageous. Use another credit card issuer if you can. Credit One Bank is not worth the hassle.

We had zero balance on our card and one day noted it had a $500 charge at Ulta in another state. Went to retrieve the card to call them and could not find the card so we immediately called and informed them of our lost/stolen card and the fraudulent charge. They told us that they would send a new card but it takes 30-60 days to "research". THIRTY TO SIXTY days. That is not exception. We are beginning a home refinance process and this charge is showing up. We had had fraud before on our cards with Chase and BOA and they immediately removed the fraudulent charge and did what they had to do on their end, making us not responsible. Not these idiots. Now, they expect us to pay this charge, and you can bet when we don't pay the card, they will report it late on our credit report which is not a good thing right now. How can they even legally do this?

I applied for a credit card and was accepted in June. My card got lost in the mail because I moved. I called, cancelled that card, and gave my new address. I was assured I would get my new card in the mail. I have called three times and to make a long story short It is now August 5th and I still have not received my card.

In Dec 2015 my bank account got hacked into and my payment to Credit One was unbeknownst to me returned. In Feb 2016 I called them explained what happened. They wanted a letter from a notary in the new acc #. I told them no, because they had been getting my payments with no problems since Dec. So I asked them to unlock my online account so I could see what has been happening with it. For 3 months they told me the same story and that yes, they will unlock my online account. I told them to run up a flag pole and stuff themselves. I paid them off, and yet they still wanted a letter and in the meantime taking my auto payments w/o notifying me that my account was paid in full.

I have a credit card that's not even activated. Its still in the envelope, 3 charges were made on it. They say nothing. 22 minutes on the phone got nowhere. They said supervisor will call. Haven't heard from that person.

I'm a 31 year old man who is trying to build my credit back up. I'm totally blind and I'm not able to see. I use a text to speech reading program to help me in reading the reviews that are posted. I found out about Credit One Bank through doing some research. When I had successfully made my first payment to them, I found an additional $4.00 balance after I paid off my full balance of $299.00. Every time I call them, I don't get any representatives from America. They are all from India or somewhere else overseas. I can't understand a word they are saying. I have called them back in July of this year 4 times and asked if my account could be closed because I don't like the way they do business. I also tried to attempt to close down my account this month. And they refuse to do it. I'm writing this review to say to anyone who is trying to build their credit, I would strongly suggest that you don't go with this bank.

They kept making my online account suspended so I could never pay my bill without calling. I kept asking for them to close my account and they would get angry and say "now is not a good time for that". Very poor English. Very very dissatisfied. Zero stars.

My company card was used to pay someones monthly payments, it was without my permission or knowledge. Once I found that 3 payments were taken from my card, a police report was filed, notified my bank and asked for help to determine who had done this crime. My Bank gave me a address to send my information to, we send it signed receipt. A copy of the receipt was returned to us by mail, but no correspondence. We still have nothing in writing on whose account was paid with my card. After over several months we tried to send the information again. The post office said the address we had used before was no longer valid. I had tried by phone, and if you don't have an account I am not sure how to talk to a living soul. I would like to have a contact name, number, address, somebody who could help me get to the bottom of this matter. Can't get it submitted with one star, let me try a few more to see if it will go through.

I have had a Credit One card for approximately a year, but this year I added my husband to my account because he is on the road a lot as a contractor and I felt safer that he had a credit card for emergencies. However this isn't the card to give to anyone for emergencies! I paid off my balance of 635.00 on July 29th at 4 in the afternoon and even paid an extra 10.00 dollars for their "express" payment service. However when my husband tried to buy gas the card came up denied! You can imagine my panic at this point... husband on the road, stranded, no money!

Have had Credit One card for over six years with my limit going from $300 to $$2300. Used the card and another from First Premier to build my credit score from 560 to 783 today. Just follow the instructions and be patient.. Except for the annoying monthly and annual fees, the card did what I intended it for. Today I have half a dozen cards and many with no annual fees.

I've read through some of these reviews. Unlike most people here, my review is very positive because I know how to read and I know my credit score was poor. For them to even approve me... or most people complaining here is a big step towards rebuilding credit without getting a secured card. Did I know about the $75 fee? Yes, it's in print. Did I know about the service fees? Yes, it's in print. If you use their card modestly, pay off the balance and wait, you will be rewarded. First, by a higher credit limit, then after a while, being able to be approved for regular credit cards with no fees and lower interest. But yeah, if you can't read and can't make payments on time, I guess they're horrible.

I got this credit card to rebuild my credit. It has worked and I no longer need to use a card with a yearly fee. I paid my card in full and called the company and asked them to cancel my card. They said they did. I received a call today telling me that my payment of $52 was past due. I am not sure how I owe $52 when I paid my balance in full 2 months ago and my card was cancelled. I was told that it was interest charges. Lol how am I getting interest charges on a ZERO balance? The bill collector or customer service person or whoever it was, was ridiculous. I was trying to ask where the balance had come from and all she kept saying was 'how will you be taking care of this today?' I could not understand a word she was saying. English was obviously not her first language which is okay but I am pretty sure the only thing she did know how to say was 'how will you be taking care of this today'.

I recently received a credit card from Credit One. Within a couple of months, there were two charges on there (one for Domino's for over $100 and another one, also in excess of $100, that I simply did not charge to my account). The Domino's charge occurred in California, and the other one which seemed to be for some kind of supplement appeared to come from the northeast somewhere. I live in Laramie, Wyoming and CERTAINLY did not charge $110 for a Domino's in California (a state I have never visited). They are really dragging their feet to get these items off of my bill. They sent me a new card, which I have not activated as of yet, since they seem to be a rip-off, and I'm not sure I want to do business with these people anymore. How can I get them to remove these two fraudulent charges from my account?

I opened a credit card with this company for my daughter with a $200.00 credit limit. The balance of the card $34.00 was paid via check that I mailed into the company on 7/1/2016. Today, I checked my checking account statement only to find that Credit One sent an electronic payment request to my bank in the amount of $629.00. I immediately called my bank and advised them of the issue and since the actual check could not be viewed by either the bank or myself they very politely issued me a credit.

On July 27, 2016, I had a very unfortunate and dire circumstance to occur to me while out of town, three hours away. I had the Credit One Card to pay for my out of town travel expenses. I chose it over Capital One because I had paid off the balance of 792.00. However, once I got to the hotel and it was not approved for lodging, I called their customer service number and got someone who did not speak very good English and was not helpful in addressing my concern about overriding the system to accommodate my charges to hotel since balance was paid in full. I even spoke with a supervisor who spoke with my bank.

Received a credit report from one of the credit bureau's stating that somebody had applied in my name to several companies for credit. I called and s/w each of them and they all sent me to their fraud department for an analysis, review, and answers of what I can do. ALL EXCEPT CREDIT ONE BANK! I called the number on the credit report (877-825-3242) which connected me with a "customer service rep" in MALAYSIA!! Could hardly understand them so they put their supervisor on. Told him I want to talk to the headquarters in Las Vegas, NV.

Hello I want to share my experience but excuse me for my broke English because my first language is Spanish. I am living in Alaska and I apply for online in this bank Credit One, and they send me my card. Before I active my card I read this commentaries and I decide not active my card. I never active this and was thank you for you guys, but I surprises yesterday I received a mail and they charger for fees annual 75 dollars??? I NEVER ACTIVE AND USE THIS CARD AND THEY SEND ME THIS BILL FOR 75 DOLLARS!!

OMG! They suck so bad, really rude reps with thick accents, so it's hard to understand what they are saying to you. They they to you about amounts you need to pay and the next minute it's a totally different amount (higher) of course. They need to be put out of business and all of the workers locked up behind bars for good. ** Credit One Bank, they don't deserve a rating 0. People - if you are looking to rebuild your credit please go to Capital One they are the most honest company I know... they treat you with respect and totally work with all people and credit situations.

On June 4, 2016 I made an application and Credit One Bank approved me, pending verification of my identity. Up until today July 22, 2016 I had not heard from this CC company so I looked up their number and gave them a call. They told me they had sent me a letter on the 14th asking for me to send in a copy of my social security card. This seems very suspicious and nefarious in nature.

For those of you who have received a Credit One Bank pre-approved application in the mail but have not yet responded to it, READ THIS REVIEW. The vast majority of people who have posted negative reviews about Credit One Bank cards simply did not read their cardholder agreements. They got caught up in late fees or whatnot and are now calling this bank "a bunch of shady crooks." Granted, I'm sure their customer service does suck if they're outsourcing to employees who speak poor English. I dread the day I have to call these guys to close my account (which I intend to do, as these types of credit cards are meant simply to rebuild credit and are probably of little benefit to keep long-term due to monthly service fees that arise after your first year).

I got Credit One card on July 21st 2015 with annual fee of $97. I had to because I didn't have a credit history. I made all the payments and requested cancellation of card on July 20th 2016, as I wasn't too happy with the card (no benefits, if you make payment on last day. You still need to pay fine of 25 dollars). They confirmed that your card has been closed. Next day I was charged with additional user fee of $19. I totally don't understand why would they charge with additional user fee after cancellation. I strongly don't recommend Credit One Card.

I got an application and did process it on 7/1/16. I called twice to cancel because they asked for a copy of my SS Card. Now how stupid would I be to send my SS Card copy to them? Hello with the world we live in there is no reason for this to be required. They also asked for my work detailed info on my tax return. Hello, I want this application cancelled and do not care to have anything to do with this institution. Shady to ask for that info and certainly I am not a stupid person to send this type of document to them.

This company is so SHADY. I paid my balance off and continued to get charged a monthly service fee. I had paperless bills. Did not know I was getting charged 'til I got a phone call about a past due balance of 103 dollars. I have not charged anything since I had paid the bill off. The charges were monthly service fees and late fees. These people are CROOKS!!! Closed my account immediately! I give them zero stars!!!

I applied for and got this card after 6 years with no credit cards due to Bk and such. I was VERY excited to have a new card and was keeping it for emergencies ONLY! I applied in EARLY May 2016 and the card took 5-6 weeks to come! I received it, but did not activate the card as I planned to not use it until an emergency and I did intend to activate, I just simply forgot to. July 17 comes around and I call to activate and there is ZERO prompt to do so. I press ZERO and get the account handler within seconds. The call was recorded I think because it was acting strange and echoing and really bizarre. I had a bad feeling. The gentleman told me that my card had been closed due to inactivity! I JUST GOT IT like 3-4 weeks ago max. So the man told me he would have to reopen it. I laughed. He said its the same card number and I'm good to go.

I have been with Credit One for years now. They offered me a Mastercard (already had a Visa under Credit One) so I took it. Unfortunately my card was stolen in April of 2016 and Reported the same day it was stolen. It took them a week to send me a new card, a MONTH to investigate and put the charges back onto my account. Fast forward 3 months later, now July 2016, I see the same stolen charges charged on my NEW CARD! I called. Had to argue with first the representative, then the supervisor, then Corporate. Corporate told me that I did not sign the affidavit and that needs to be signed and sent back (not knowing this in the beginning). They really need better training and communication to the consumers when dealing with stolen credit card issues. Once the cards have been paid completely I will be cancelling. Worst Credit service I have ever encountered. Complete waste of time.

I've had 100% negative experience with these guys. Having trouble deciding if they are intentionally evil or just incompetent. First of all, they are clearly trying to appear as Capital One which is why I foolishly filled out the form they sent stating I was pre-approved for $1,500. My actual credit limit was a whopping $300, nonetheless we put it into action as we are trying to build our credit back. When I got the first bill and saw that they start charging interest on the day you make a purchase, I decided I would simply put the card away and never use it.

I have been reading these customer complaints, several them involved either someone paying late, falling behind or going over the limit. I've had this card for over a year to rebuild my credit. It has moved my credit score from where was. I had five bad years in a row like a domino effect. First company went out of business then fell behind so on so forth. I have never had a problem with this company making a payment, and yes they charge a fee to get your credit card as so many others do that they are there to help you rebuild credit. They have given me a second card, a MasterCard with no fees attached to it because I paid on time, never went over the limit.

Ive been trying to close my account with Credit One Bank. Each attempt has been VERY UNSUCCESSFUL! They have continuously trumped up charges to ADD on in an attempt to keep me on!!! Its been very tiresome and STRESSFUL in dealing with these PEOPLE!! Not only are they Rude but very conniving. When I tried to pay off the remaining Balance with another debit card They took my information and then LIED AND SAID THE TRANSACTION WAS DENIED! I know because I called my bank account the next day and they said no such attempt ever occurred. So I paid the remaining balance the next day. On their WEBSITE It went through. However the next day they added on $35.00 interest charge and then another $25.00 over the limit charge totaling $60.00 additionally! Ive had it with these Guys!!!

I have been using Credit One Bank for a year now. I have to admit, after reading all these reviews, I'm shocked. I haven't had any problems with them. As a matter of fact they have been very helpful for me in rebuilding my credit. So far all or if any fees I have received were spelled out on the paperwork that I receive... I haven't had any surprises. For a credit card for someone with poor credit, it's a decent card. I don't expect benefits like a top tier card such as Amex or Discover; after all, I did start out with poor credit!! But with this card's help, I'm quickly on my way to one. I love that I can view my credit score regularly and that it is updated often. Very happy.

I haven't used this card. Not even once for a dime!!! Had it for 4 days... and it appears that I already owe them $75.00. Smh! At 24+ percentage! Yeses think 3 times before getting one from them!

This card is easily hacked, and when it does get hacked, and it will... the fraud dept plays a game of "not sending you the fraud verification letter" so you have to call and request it again and again... and THEN they take almost 90 days to "investigate" the fraud. I finally cancelled this card after waiting on hold for almost 40 mins and getting transferred from call center to call center. TERRIBLE.

They call me 10 times a day including Sunday's and after hours. There are laws against this type of harassment and they should pay for all credit they have destroyed for their customers. .

First year I paid $75 upfront for the annual fee, which is ridiculous by the way. The second year Credit One decides to change the annual fee to a monthly payment instead of a one lump-sum, upfront payment. I received a credit increase because I was never late, my credit card was paid off, never charged anything for 6+ months, no reason to open the statement. My credit monitoring app notified me two months of delinquent reports to my credit agency and late fees associated from Credit One. I called Credit One Bank which removed the late fees since I have never been late, but could not fix the delinquent posts to my credit report. To prevent this from happening again in the future I must call or pay $8.25 manually every single month. Yes, that's right, Credit One is only credit card company that does not allow you to set up automatic recurring payments. I wonder why that is???

I'll be honest, I tried to use Credit One Bank credit card to build credit as I was in my early 20's, had a child and was taught to establish credit, start with a low credit limit and try to pay back on time. I messed up I'll admit. When I told my parents the APR was 24.99% they flipped out. They told me all their banks and credit cards were no more than 14%, but this was the worst mistake in my entire life dealing with this company. I could never get and I mean never get someone that spoke decent English. I'm a U.S. resident from CT. My first mistake was I didn't know it was out of Las Vegas. I should of read the fine print, didn't know anything of a credit card fee 9.35 a month for using their card, plus 25 cents to every dollar I spend. So even when I didn't use the card I had to pay 9 bucks a month.

I received their letters continuously to persuade me to have their card. They suggest me to have the card with no annual fee. Then I used their code online to "apply". After that, I received a card with $75 annual fee, only $500 credit line. HAHA, I did not active it. Then I called their customer service, which I could not understand what they say. They said I cannot shut down the account because they are $75 in my balance. They transferred me to another person who also does not speak English. He says he will lower the $75 to $25, I cannot throw the card because it will automatically be activated. I have to use, have to use it and pay their annual fee, you understand now??? I am pretty sure that they hire people who do not speak English to make you tired up and pay. OMG, why does this fraud company still exist? WHY, WHY, WHY?

I applied with Credit One Bank (Re: Credit Card) on 6-27-2016. Realized I did NOT want this card and called back immediately to cancel. On 6-28-2016 I received a text alert from one of my Creditors (which gives me alerts), that Credit One had put a NEGATIVE on my credit report. I called them and spoke to 3 people: 1. A regular rep/ 2. A supervisor/ and 3. The manager on staff. I had to argue tooth and nail for their stupidity. To all and anyone that is considering doing business with Credit One -- You'd better think long and hard is this is the company you trust your money with and your Credit Report. If they have the opportunity, they will DEFINITELY screw you. Thanks for the opportunity to share this experience.

First of all, their name is too close to Capital One. Everything about them is too close to Capital One, except their customer service. Hidden charges, they make it virtually impossible to make a payment online, then the person at the other end of the phone barely spoke English. I tried several times to make a payment, and in the end gave up. I am now in collections with them. Do not be fooled by them. Do not ever, ever, ever get a credit card with them. I am looking forward to the class action lawsuit against them!!!

This company absolutely stalked me over 1 missed payment. They called my phone 6 times a day for about 2 weeks, never leaving a message and hanging up when I did answer their call. I wrote them a nasty letter letting them know how rude and sneaky they are and paid my balance that day. However, for some strange reason, my payment was never processed on their end, after paying it on their website, and was never deducted from my account. And what's worse is they closed my account stating "as per your written request". I never requested my account to be closed knowing it would do damage to my credit. This is an untrustworthy company to deal with so please do not sign up for a CC with them!! Horrible to do business with!!!

So in January I paid my account off with my H&R Block card, the next couple months I made payments using my normal checking card (that is assigned to pay credit card). In May I was unable to sign into my account so I called them, and they said my last 3 payments were rejected... so I asked how when I only use my primary account to pay credit cards. They told me that the Emerald card had insufficient funds. I explained that I didn't make the payments with my H&R Block... they then deactivated my account until I sent them a letter stating why my account was deactivated (Seriously! A letter). So anyways after a few choice words I told them to ** off.

I've been a customer with this company since January. I'm very dissatisfied but it looks like I'm not the only one. First of all, their percentage rates are unbelievable. Second, I have another credit card that I pay online the same way I paid this one and for my other one the payment is posted and available the next day. For Credit One, it post about a week after you pay it. That's inexcusable. My third complaint is that the customer service I've received was absolutely worthless. I had asked for a paper bill to be sent to my home so I could pay my bill. The last time I tried to pay my bill online, they said that I had insufficient funds and charged me a $25.00 late fee.

I have been trying to rebuild my credit and took out a Platinum Visa with these people. I was within my credit limit on my last purchase. When I received my statement, they say that I am over my limit. I have been receiving phone calls. The one I received today, the gentleman was clearly from India or Pakistan and wanted my debit card number over the phone. I ended the call promptly. They used a phone number with a local area code. They are not who they say they are. My intent is to pay off the balance and cancel the account and report them for fraud.

I have received up to 30 collection calls in one day after having explained that I was aware my bill was due and gave a date that I would and could pay. These people don't speak our language.

Extremely frustrated and MAD at Credit One Card. Went on vacation over a week ago from home state of KS to FL. Was immediately denied use because of temporary relocation on vacation. Called to get cleared, took some general information of why I was out of KS. I gave that to them and they said it was all cleared up and removed the card use blockage. This was Only the BEGINNING of multiple phone calls because my card kept getting denied use!! They kept asking the same ridiculous questions with the same insane result... NOT ABLE TO USE THE CARD!!!! Ridiculous you ask... they wanted to know every place I was going to use the card and how many times! I'm on vacation for heaven's sake! My vacation has been ruined because of this and the pecuniary problems it's caused. They keep coming up with one calumniation after another. My suggestion is to cease card use. Which I will!

This company didn't send me a bill for three months, and even made calls several times and still took them months to send the bill. They charged me with late charges, and even had one of their customer service representatives yell and cuss at me. This is the WORST company ever. Do not ever get a credit card through them. They also add on annual fees that are not in the original papers.

On 2 reviews I rated COB 5/5. I have had an account with COB since 2007 without any problems. Something has gone wrong at this bank. In March 2016 I was checking my account online and noticed an unauthorized payment was scheduled for $697 from my checking account. No payment was due and I only had a $70 balance in my checking account. I was lucky I was able to pay my Bank $20 to stop this payment and all future payments to COB. COB could not tell me who authorized this payment and tried to blame me. Once a payment is scheduled you cannot change it. My Capital One credit card accounts allow you to change/cancel any payment that is scheduled, but not COB. I closed my account and will not be doing business with them ever again. Please stay away from Credit One Bank.

I have had Credit One bank for over 1 year. I paid my 75$ first year fee then this year they started charging my card 8.25$ each month?? On a 300$ credit limit? Also after 1 year on time payments and no missing payments or late fees they haven't increased my limit? Why keep this card? Please don't even apply for this card. They are just trying to take advantage of people trying to rebuild their credit. First thing I'm going to do is pay this piece of garbage card off and let everyone know that this card is a 'go nowhere' card!! You can be in good standing and no benefits from it!! They also report wrong credit scores to the credit bureaus. Stay away from these predatory lenders and let our government know about their bad business practices. Don't let them take advantage of any others people or young persons trying to start their credit up. They are liars what they promise in their ads and websites. BEWARE???

I've been with Credit One for over one year. Never late, always paid early. I was late one time. I received an email asking me to contact them to make arrangements. I called and was told they don't make arrangements. BUT!! the email said they did. I asked for a supervisor. That was a joke. No supervisor. It is obvious that this company isn't owned by Americans. I will pay them off and request a letter of payment in full. In the mean time since they couldn't produce a supervisor or they don't have any type of payment arrangements I told them I will pay when I can.

They showing your payment late if you on time or late don't show all the time. Bad credit card company. They making money in late fees and report you all the time for late payment.

NEVER NEVER NEVER use this credit card company again... I received an email stating that I had made a change to my contact information, if the changes were not made by myself to call customer service. I called customer service on May 1, 2016 and told them that I had not made the changes. The rep said ok and changed my address and contact number back.

I am in receipt of an account statement from your institution claiming that I owe $425.87 I have no documentation from you indicating in any way, other than a late fee of $35.00, interest charged of $7.05, and an “ANNUAL FEE 06/16 THROUGH 06/16” – whatever that means, of $8.25. In fact, I have not received a statement for this credit card that describes any type of goods or services purchased in well over 6 months.

First, you have to know they begin charging interest as soon as you charge a purchase. I decided to cancel my card after one year, when I saw the annual fee was billed. It was only $8.25, but I no longer wanted the card. I called and canceled, but they would not reverse the charge. These guys are shysters. They don't warn you, it just happens. The amount of time and aggravation aren't worth, especially since you can't reach them because the phone calls go to India. Banks have become more like gangsters. I feel like I have been mugged. Stay away from this barracuda bank.

The Government need to do something about this bank. It keep scamming the people and charging for all sort of reason. Canceling them is more damaging to your credit score than having them; therefore you are stuck. This bank charge me a $10.63 "Purchasing interest fee" even when I have a "0" balance. I haven't use the card in months. A fee for what? The government seriously need to investigate into this bank card business practices.

I have never had such a terrible credit card. I got it to help build my credit after my divorce. I can never speak to anyone on the United States. I am never told the truth and always harassed days before my due date. I always pay my bill on time, always. Oh but this is the best part. They charge you to get an increase in your credit limit. Terrible card. Do not get one. You will regret.

I had called to see why I had an outstanding balance on my account, they told me my checking account from my bank bounced and that I had insignificant funds so my payment did not go through. I had asked them how they would know that when I bank with a different bank the name them. They said I had to provide a letter of recommendation with my account and routing number on it. Are you kidding me?! Do you guys realize how unsafe that is? When I told them no, they said they are closing my account and charging me an additional 25$ for a late fee. Seriously? I still have a week to make a payment! I asked them to email me my bank statement but they couldn't even though I was set up for paperless statements. So I told them I wouldn't make a payment until I receive my statement in the mail.

I was shocked when I got my first bill on a card I had not even used yet and it said $75 due. I figured it is what it is and I would pay it. I didn't get paid for another week so I waited. Starting on the day it was due I would get called at the very least 7 times a day (from a local SC number). The person on the other line was not from America of course and was asking me all kinds of personal questions. Again I wasn't even one day late when they started calling. Then I went online to make a payment and it said I had to pay an extra $9.95 to make a payment. I then called them to make the payment and they also said I had to pay the $9.95 plus the payment plus a $25 late fee...

Terrible customer service. They are rude intrusive and mean. One lady said "Do you have a spouse that can pay this? And you work don't you?!" So rude. Never again!!

I was just married. I called to change my name and they want me to send a copy of my social security card in the mail to them with my current driver's licence. That isnt even safe. All my other cards, synchrony and cap one didnt need that. On top of it they charge a fee of $25 for them to update my name. What??? Unreal. They charge to post your payment to your account early. When they are credited the payment the money is not available for days after! Terrible company. Not to mention I am never later and some branch keeps calling me 10x a day and wont tell me why. Weird.

I found out today on June 07 they closed my account by calling customer service. I called them on the 27th of May, I had a high balance over my 450.00 dollar limit. I paid a payment of 159.00 plus their 9.95 fee to do the transaction on the internet. Then I called Credit One customer service and asked them if I paid off the entire balance if the card would go back to 450.00. They said it would at midnight that day. I kept watching my account and I seen no credit on it. So when I called the gentleman informed me that it was closed because of nonpayment for 90 days. Now how can that be possible when I made a payment on Wednesday the 25th.

I got this card in 2012 and pretty much kept up with the payments then I started getting all the increases like everyone else although you had to pay for them like 19.99 for 200 increase. I got all the way up to 1300 with this card and at the same time my credit score started to go up and I also got more cards so I stopped using the card. At the end of 2015 I had paid the card off place it in my drawer and never used it again. In March 2016 I was trying to get financed for a house and my credit was pulled and it showed that I have a 60 day late charge from Credit One. I called them to find out what it was. They told me it was from a late for the yearly fee for having the card. I then explain to them that I never got a bill or email from them. This is where the fun began.

I do not like this company at all. First of all, I have been called from all over the country at least 200 times at all times of day in the last 2 months. I was under the impression that credit agencies were not to supposed to harass consumers that way. Second, I have already paid my account in full but because of late fees and all other fees they are charging, I now owe more than what the original amount was. They get a regular payment from me each month. My credit score has been dropped so low that I cannot even apply for another one to pay them off. I am also enrolled in credit protection and WTF, again, I cannot even apply for a lower interest rate loan to get rid of these leeches. Don't - I mean DON'T ever apply for anything from these people (if you want to call them that)!!!

Like so many people on here, I'm also having a problem with Credit One. Of course I want to build up my credit like everyone else, but the one thing I didn't know is the lengthy amount of time it's going to take for money to go back on your card for a payment. I made a $50 payment, 3 days ago and tomorrow being the 4th day will be the time I can use my card again. I would have put more on my card but my job sucks balls. Anyhow 4 days is the standard waiting time, the company calls it "Floating", for your money to go through. I call it BS. To make things worse, there is a bunch of 800 numbers but none of them to help you to get to customer service. No direct line for that. And that just leads to more irritation.

EVERYONE please beware of this credit card. If you have bad credit or need to rebuild your credit, you should avoid this credit card and find ANY other option. I feel like I'm trapped in hell having to deal with them so if this review helps one consumer I'll feel like I've been helpful. There are SO many problems with this credit card company. I was involved a really bad car accident just before the Holidays and my car was totaled by someone. You can imagine the impact this had on me, both mentally and financially. I would need some time to get back on my feet financially. I contacted ALL of my creditors, including Credit One. All of the creditors were able to provide me a temporary financial hardship payment plan... including my Target card. Target had more compassion and understanding than this pathetic Credit One Bank...

I've been with credit one for 5+ years and it's always been a ridiculous, stressful experience. No email contact. You HAVE to call them and 100% of the time you'll talk to someone you can barely understand and NOTHING will get done! After 6 years of not a single late fee on any account, I've had 3 with Credit One caused by the following: their mobile site does NOT work and when asking about it I was told, "well don't use our site on your phone" and went through 2 months of not being able to sign in to my account even using my desktop. I was asked "have you tried using a different browser?" What the hell?! This is 2016 people. No matter what you do you'll reach a dead end. You will not get your money back. Just pay out your account and close it. WORST business I've ever dealt with.

I want to ward off anyone considering this credit card! In my attempt to rebuild my credit after filing bankruptcy, I got a card. I knew full well that the APR rate would be high, but I decided as long as I paid more than the minimum balance (I paid $37) the minimum of $25 it would help lift my credit rating. I was so wrong! The $37 payment I made on-time every month enough. After weird finance charges that differed every month, my principal payment was only $9 and some change.

When I first got the card I thought it was a decent deal, even after knowing the interest rates were pretty high. My goal was to have an unsecured card on my credit report in good standing as I had went through a difficult divorce. I paid my card on time with no problem every month. My dad passed away on December 20th last year and I was the one taking care of him. They don't have auto-pay, so I'm required to either send in a check monthly or go online to pay. The payment was due December 22, two days after my dad's death. I paid the bill the following month after losing my dad. I explained my circumstances, even offered to supply a copy of the death certificate and guardianship paperwork that I had but instead of remembering my perfect payment record since I've had the card (over a year), they added a 30 day late to my account and will not remove it.

If you happen to see my review about Credit One Bank and are considering whether to become a customer, let me say emphatically DON'T DO IT and DON'T EVEN THINK ABOUT IT! Credit One Bank is a LOSER (WITH A CAPITAL L) credit card company. I happened to pay on my account ONCE two hours after the payment deadline. I was thus charged a $25 fee for this tardy action (two hours late on the same day as the payment, mind you). I called "Customer Service" and spoke with the Filipina who has the hard to understand Tagalog accented English, and who seems to be the only rep there is for the company. I asked her if the late payment fee could be waived due to my one time being late. She assented and said it would be removed as a "one time courtesy." O.K., fine and dandy, everything is peachy again.

The credit score they have on their full website is NOT accurate or anywhere close to your true credit scores. As a matter of fact it's a hundred points less then all your credit bureaus are reporting! Called Credit One customer service to find out where they are getting there score or how, but no knows plus lies after lies. Their overseas customer service - it's ridiculous and a BIG joke! My advice... DON'T DO IT.

I had to find that there was a hidden annual fee. It is in the fine print. I only used this card for emergencies and to boost my credit so I kept a $0 balance. I called them to specifically ask for the date and amount of the annual fee. I marked this date on my calendar and paid it when it came due. All of a sudden the annual fee because a monthly fee. I ended up missing it and they charged me a late fee and my account was posted as 11 days late. (Not good.) Their customer service is 100% outside the United States. I was transferred 4 times before someone actually closed my account. DO NOT USE THIS BANK! THEY ARE WHAT IS WRONG WITH LENDING IN AMERICA!

I took out the Credit One card in order to build credit. Up until now I had not had a serious problem. I did not like their website from the beginning. You do not have an option to prepay on the date your payment is due. Once you do online to make a payment it will only accept payment the day you are entering your information. With that said, I went online to make my payment and my payment was refused. I was very close to my due date without much wiggle room. The same issue happened the previous month with my other account. The problem was solved on the phone and they "waived" the late fee. However, my payment was not considered late - strike one against my credit report. My payment was then magically accepted online. The company insisted the problem was with my banking institution. I did not believe them. Now comes another payment with my other account - same problem. They insist is was my bank.

I signed up with Credit One knowing that the experience would likely be a pain, but it was a necessary evil at the time. After having done so, I used the card and went to their website to make my first payment. I was dismayed to find that I could only pay on it with my bank account and that attempting to do "express pay" would cost a fee, even though it was the only method that would allow me to pay with my debit card. But I decided to stick it out and continue with them anyway, thinking perhaps that was the one issue I would come across.

Someone was able to steal my info from a business that I used my Credit One Bank card at. They charged 600$ onto my card. I called and reported the fraud on my card but they refused to credit me the money back to my account until the investigation was complete, so my credit score has been affected! Every credit card I have used they have credit me the money back in good faith but not Credit One! You're guilty until proven innocent, which is a huge insult to their customers. Secondly, not only did they not credit me the money back until the investigation is complete but they allowed these credit card thieves to surpass my credit limit which isn't high (600$) but they were able to charge up to 900$ which exceeded my credit limit by 300$! Never do business with these people! They are criminals just like the people who stole my credit card number and stole my money!

They're vultures that feed off people who are already financially impaired although my choice to get their card and to use it is mine alone so I'm not casting blame. I do want others to know the risks of dealing with Credit One; 1) Their customer service is rude and condescending, 2) Their fees seem to be outlandishly illegal. I highly recommend cutting up whatever they sent and RUN FOR YOUR LIFE!!

I got this card to have an emergency back up and to build my credit a bit when it went down after a messy divorce. It helped build my credit, but its annual fee was terrible at 9 bucks a month. So I finally called to cancel it, and the annual fee had posted 3 days prior. The customer service rep told me that they will send me a letter confirming that it's closed, and they will wipe the fee off.

I paid my account in full on April 15, 2016 to Jessie and to Barbie (both in India) and they assured me my account was paid in full and closed. I checked the automated service and was told I had a balance of $10.63 cents. I called back and was told I overpaid them and I would receive a refund check. I received 2 refund checks from Credit One, one for 1.28 cents and the other for 9.35 cents. I called back and was again told I owed nothing and the account was closed. Well guess what happened, I received a bill for $1.28 cents in the mail due on June 5, 2016.

Online payment = 9.98, Late Fee = 25.00 (even a day), and their customer service stinks. If you're just checking the reviews, do NOT sign up for a credit card! They do not help your credit -- they damage it.

I am currently on hold with Credit One. Have been for over an hour. Someone made 8 charges at a Walmart 300 miles from where I was using my card in Los Angeles. 8 charges. And this company didn't flag that as suspicious. Where's the security? The next day when I discovered the issue and called to report it, I was told that I would need to wait 90 days for an investigation. 90 days. While they determine that I can't be in two places at one time. Meanwhile, the charges remain, they keep reporting, credit utilization tanks, payment still due. When I called a week later to check status I was told that no investigation/report existed. Yeah, *eye roll*. So they open another. Another for me. A ‘first for them'.

They have screwed me around for months. I paid my bill on time and the next day they add a $50.00 late charge. Like what the hell. I would not recommend them to anyone. They are the worst credit card company I have ever dealt with. You want to rebuild your credit, I recommend Capital One. They are AMAZING!!!

After much advertising about being the official card of NASCAR, I thought I would give them a try. I first read the reviews, and now they send me at least one pre approval a month. They sent me a card once with an 800 number to activate it. It hit the shredder along with anything else they send me. A rep from Credit One contacted me asking where my 75.00 payment was, I played stupid and asked "for what charge?" He said "to activate your card"... "What card?" I said. "We sent you a card." I don't have it, when was it activated? "Uhhhhhhh? It doesn't show here." So you want me to pay for what exactly? "The activation fee..." I ask... "on a card that I don't have that was never activated?" "We can send you another card. But make sure you activate it as soon as you get it..." I agreed to do that.

This company is as useless as it gets and my intent is to build a website to start garnishing documentation to file a class action lawsuit against them for illegal banking practices. I had an offer in the mail to use their product and decided to make use of their services as I was building my credit. I used them for the past 6 months, paying my bills on time and not focusing on the transactions on my account, assuming all transactions to be correct. I had an illegal charge go through my card on 5.13.2016 and called them to dispute the issue. I was told that they could not do anything to help and I wondered what kind of protection is offered to the consumers. I talked with an account supervisor (Jenny / id **) and an account manager (Desiree / id **). I regularly bank with Chase and Capital One and had never heard of anything so ludicrous. They could not help but asked me to send a letter to their Las Vegas office to start the proceedings.

Warning!!! Do not get this credit card!!! They are rip off from hell! DO NOT GET IT!!! You will be very disappointed. There are BETTER credit cards out there. Anyone else you choose WILL be better. They charge you for credit line increases. They charge you for everything without your knowledge. They are very sneaky.

This card is okay for basic credit rebuilding, but as soon as you build it up transfer your balance to a more reputable company. I never had any major challenges using my card. The $75 opening fee is a little much, but typical for many credit card companies. What really kills them for me is their Customer Service, and exorbitant fees for online bill pay. Anytime you call Customer Service, you are connected to a call center somewhere overseas. The call center staff are rude and extremely difficult to understand, due to their very thick accents. My experience with them was not horrible, but they clearly make all their money on late fees, online payment fees, credit limit increase fees, fees, fees... You get the picture. It was an okay card that served its purpose. I have since paid my balance off, and will be closing this account though.

Credit One has lied to me for months then talks me into keeping my credit card for one more month just so they can get their annual fee. Closed my account and would never recommend them to anyone. One of the worst businesses I have ever dealt with.

I just closed my account due to the very poor customer service. It would appear that they are more interested in trying to bully you than helping you try to regain access to your account. I waited on the phone for over an hour being transferred from body to body. Finally gave up and just cancelled the account. My advice to anyone is DO NOT USE THEM!!! READ THE REVIEWS!!

The only positive thing I have to say about this company is they gave me a card when nobody else would, now I know why. #1 The customer service is TERRIBLE, the people are rude and have such bad attitudes. #2 NO other company CHARGES you for a credit limit increase "you've been pre qualified for a $250 credit line increase for a one time fee of..." Honestly what a joke, how about your credit limit has been raise because you haven't missed a payment!? #3 Waiting on my card for my second account to come I notice a $60 fee from them BEFORE I even received my card. Again a complete joke. STAY AWAY FROM THIS COMPANY! Once my balance is paid off my card WILL be canceled. I wouldn't recommend this company to my worst enemy. They are a complete nightmare to deal with.

Stay away from Credit One cards!!! I have been trying to pay out my Credit One card for two weeks!!! However the customer service rep. either hang up or forward me to "alleged supervisor" and they never pick up the phone!!! In the meantime Credit One is adding illegal charges and fees $345 in two weeks!!! I am turning this over to my attorneys!

"Caveat Emptor". This is one of the worst bait and switch card issuers out there. Only use them if you are desperate and have tried everywhere else and have no place else to go. I have a 640 beacon score with no delinquencies and no charge-offs but a lot of debt. Unfortunately, I have a paid and released IRS Lien that drags down my score and prevents any auto-approvals from respected banks. I am trying to get it off my report. So, an ad for this company popped up while I was surfing the internet and I decided to apply. They make a lot of promises to entice you to apply, but they don't tell you that all the good things in their online pre-qualifying disclosure statement you still need great credit for. So after enticing me with the "Up to $1,500" credit line spiel, they approved me for a $300 line of credit, with a $75 annual fee that increases to $99 the 2nd year billed monthly.

I have literally had the card for 3 days. I activated it, one week later I receive a statement in the mail. Mind you I have not even used the card once. My statement says 81.00 for "fee charges". How are you going to charge someone fees whom has not even had the card for a week. So I call the phone number on my statement and by no surprise at all you can't contact an actual human. They give you every other option to chose from but nothing about a human. My advice don't get the card. If you have it already cancel and get rid of it. By far THE WORST company I have ever used.

I called Credit One last week after being charged a late fee although my payment was made on the due date. Instead my call was rerouted to another company offering a special package. I kept declining the offer and asked me to transfer to someone that could help me with my situation. They would immediately hang up on me. I must have called back 5 - 6 times to get this resolved. Each time they would tell me about this offer and I would decline even though they would keep talking. Finally, I listened to the whole darn thing, thinking I would just get through this and can be transferred to the correct person. They said I could cancel it after 14 days. So here I am, 7 days later, trying to cancel and they keep hanging up on me.

This is by far one of the worst credit card companies on the face of the earth! I have not used this card in over 6 months, and I make my payments on time every month (automatic payments set up through my bank to come out the day before the payment is due) but I'm being charged a late fee. This is straight bs! I was forced to get credit protection! Also they changed the amount of my payment due with my knowledge. About 2 months ago they sent me an email for a credit increase but I declined and now all of a sudden I'm being charged late fees I call bs. I will gladly take place in any lawsuit against this company!

I accepted this card primarily for trusted online purchases and gas station use because I do not like using my debit card on these things. So the first month was okay, paid my balance in full and even paid 2 charges that I had made and would be on my next statement because I realized that unlike legitimate credit card companies, Credit One starts charging interest the day the charge is posted. The second billing cycle, had 2 fraudulent charges, location was Hot Springs, AR. I stopped using that card and I sent a letter of dispute to the company. A week later, I checked my account online again and there were 3 more fraudulent charges, all from Hot Springs.

I only give them one star because it is required. The worst customer service I have ever dealt with. I have been just trying to make a payment and I was hung up on three times! I was yelled at and spoken rudely too! I was told that twice I had insufficient and when trying to prove them wrong with my bank statements I was yelled at and hung up on. They completely locked me out of my account online and are now expecting me to pay an over the phone processing fee of $9 and some change for every payment! Cannot wait to close this account. I wouldn't recommend it to my worst enemy. TERRIBLE TERRIBLE TERRIBLE.

Sure was easy to get the darn card and call then or ask for a line increase. However unauthorized charges without my prior approval those charges were put on my account. And I can't get a live person!!! There is no option to speak to a representative or dispute a charge. Phone disconnects. I've tried everything to get a live person on the line. Went online. Ugh hate this... enroll, try customer service online. Nope, you get questions and answers but you can't cancel the damn card or get a person to text and say, "Hey someone has charged to my account..." hello... I don't know what to do. I've spent two days of anxiety and can't get anyone on the phone to help me.

I am not even going to rate this company. After providing the name of my attorney TWO TO THREE times over the course of 2 weeks, and after filing a complaint with the BBB, I received a phone call from the "president" (Ms. **) of the company wanting, wait for it, THE NAME OF MY ATTORNEY so they could respond to the BBB complaint. Because, don't be shocked, my account was not updated when it should have been last week or the week before.

My card was blocked while traveling overseas. Once back home they have blocked my card and did not send me the new card neither the statement. I paid the monthly fee through automatic banking. I did know I was behind 13 dollars. I called 4 times and I spoke to 3 different people from customer services overseas! I finally had an agreement and all of the sudden I got another phone call forcing me to pay over phone and provide my information. It is frustrated and unfair to be called and be bothered during the day at work. This is a horrible company that does not handle the services in the US. They share our information with other companies and customer service overseas. Do not trust on them.

My credit was already satisfactory. The lesson for me has definitely been learned with regards to really looking closely at the logo. Their logo is close enough to capital one that I was conned. Further, nowhere in the initial paperwork did I see anything that advised about an annual fee. If I had, I never would have applied. Again, already had good credit. The fees associated with this card are ridiculous, and the work to try and close this account is a nightmare!!! I can't believe their practices haven't been held accountable by the attorney general in NV already!!!

I would give a less star but you can't rate negative stars. This company is beyond horrible. I called in to cancel the card after realizing that I never used it and I got a better deal from Capital One as Barclay Card. The annual fee and the charge for a increase in credit for being a "good customer" (I never used the card, not once). Well upon "cancelling" the card they waived the annual fee. Long story card was never cancelled. I was charged the increase fee along with a late fee, so now I have in dispute right now a total of almost $75.00 in charges that I never asked for. As well as they hit my credit report for being late.

I had this card for a little more than a year I believe and it was a terrible experience. For one, if you are late on a payment, they will call you like every 5 minutes every day until you make a payment, even when told not to. One month it was like 6 days BEFORE the payment was due and they called me like 8 times that day to try to get me to pay it early. WHY?!

I have not used Credit One credit card in over a year. I have copies of all payments made to Credit One. Six months ago Credit One sent me a bill which was $600.00 for FEES CHARGED ONLY. Today May 30, 2016, I received a threatening collection letter from Credit One saying I owe them $1,000.00. My card has not been used since 2015.

I relocated to the US and had no credit history. I applied for several cards and was only able to get approved for one. When I received a preapproval letter from Credit One I was so happy. I had done some research and had found that Capital One was a very good option for credit cards so I immediately accepted the offer and was approved. I received the card in the mail promptly, and to my surprise it was not a Capital One card, it was a Credit One. I looked at what I had done, and surely enough, I had been tricked in thinking that I was applying for a Capital One card. If you do a quick Google search of "Credit One vs Capital One logo" you will notice that Credit One is deliberately trying to pass as Capital One, but they are completely different products.

I called Credit One Bank on April 28, 2016 to discuss charges and removal of the credit protection charge from my account. When I called I spoke to someone not in the US. They had an accent. The Customer Service rep, Paul, told me he could not remove the charges. I had to be connected to a Supervisor. I asked, “Why?” He stated that was notated in the rules and regulations documents. I told him to let me speak to a Supervisor. I stayed on hold for about 10 minutes waiting. When someone did answer, he told me he had to connect me to the Credit Protection office. I agreed. I had no choice.

If anyone is trying to rebuild their credit DO NOT try it with this credit card company. My car was stolen so someone committed fraud with my card in California. I live in FL. Now these people take all the information of what happened. They do not credit your account back right away. You have to wait till they finish an investigation before you see the money back into your account. But what upset me most of all was they upped my payments, and they knew that was not right.

Beware of accepting a card through Credit One Bank. I did so in ERROR online and then once I received the card and a "$75 fee", I called and cancelled this card in April of 2015. I was given the address to mail my check to and was told this account would be closed. Now, a full year later they are calling and asking for MORE money. I explained to the young lady on the phone that this account was closed and all she could say, over and over was "But if you pay this amount you will not receive any more calls." Uh, huh?? What part of "this account is closed" is so hard to understand!!?? So, if they wait a year they might be able to get more money. Hoping I will forget our previous conversation with them when I closed the account. DON'T DO IT!!!

Trying to rebuild credit, and accepted an offer in March. The card never came. I called and they said call back Friday. I called Friday and they said call back monday. I called Monday and they said call back Tuesday. At that point I had already received the bill for the annual fee, but still no card. I told them, "Listen, can you please just resend the card?" It's been 3x I've been told to call back. She agreed - a week later - still no card. Now it's April 25th, it's been 6 weeks and still no card. Called again today - the last lady never had the card resent. The bill is due next week - am I supposed to pay a bill for a card I've never had? I'm so confused.

Every time I try to use this card, it gets declined even though I have $200 to use on it. They will accept my payments of course, but I cannot ever purchase anything. Every single time I call they tell me whatever I was trying to purchase was "high risk" (gas, Ross, Ticketmaster, Groupon, grocery store... etc.). Then they tell me it will take 1-2 hours before you can use it or 24-48 hours. After I wait that time period, I still cannot use it. I tried to purchase gas, it was declined, and they charged me a $1. Seriously!? I get EXACTLY the same song and dance every time I call. An Indian person saying, "Yes I am so sorry ma'am..." before every sentence and then telling me I have to wait to use the card. Unbelievable. The only reason I am not closing this card right away is because I've heard that hurts your credit more. But as soon I as I can I will be closing this account!

I have had this card for 2 years. Last year I got very ill and fell behind. Called the number for the credit protection they force you to take, illness is not covered, huh? Called the bank and was told, if I make a $150 payment plus my monthly minimum my card would be in good standing. Did that, only after the payment posted I couldn't use my card. Called back, was told I had to pay $337.37 to bring my balance to zero, then I would be in good standing and resume using my card. Did that. Again can't use the card. Called back and was told I had 317.35 in fees that had to be paid. I asked for a supervisor. That was a joke.

I wanted to pay $60.00 but before I could even put a 0 after the six it went straight to payment as $6.00. My minimum was $25.00. Oh and you can't make 2 payments online within 24 hours and be careful you are not allowed to make more than 4 payments online in 4 weeks.

Im getting calls 8 to 10 times a day about my payment. Yes I realize Im late on my payment but calling 10 times a day while Im at work is a little out of hand. Then I answer the call, make a payment arrangement and an hour later they are calling me again. Then next hour I get another call. And asking me questions like what did I do with my mom from my last paycheck since I didn't make my payment. Well honestly it's none of their damn business. When I pay this card off I will close this account. They are absolutely horrible to do business with. Then also charge me $9 to make a payment over the phone. I think not.

Why am I being charged an interest fee when I didn't carry over a balance from previous month? I was told since I used the card prior to the due date even though I paid the card off I would be charged interest. Canceling this card.

This company should be put out of business. Three times I've been told my bank account numbers were wrong when I made a payment. Of course there was a fee for that and they hope you will make your payments on the phone where they charge you $10.00 to do so. I've found other reviews from people where they were told the same thing and couldn't understand how their bank account numbers were wrong every time even after they updated it. Of course the company denies it. I filed a complain with BBB and would be willing to join in any lawsuit against Credit One.

The worst company I have ever dealt with and that is saying a lot since I have worked with health insurance companies for almost 20 years! I got this card to help rebuild my credit. Ok, there was a fee but I figured since most of them do in these circumstances. Then after a few months I thought about adding an authorized user. They wanted to charge me for that! Then I get a notice that says I have been a good little customer offering me a credit increase. Cool, the limit started at only $400 so a few hundred extra would be nice to have. They wanted to charge me for that too! Who charges for a credit increase they are offering me?

Credit One Bank is not sending me my monthly statements pretending that they are sending them to a lawyer that I don't even know. I have disputed and disputed with them about this issue and they keep throwing the same thing in my face and I know they are lying. First they tried to make it look like I changed my address. I told them I been living at the same address for 40 years. That didn't work so, they said I signed a paper for my statement to go a lawyer in Texas. I have not received a statement from them in 7 months but, still sending my payment every month. They are not sending my statements to any lawyer.. They are angry with me because I made them close my account. I am tired of disputing with them about this lawyer that I don't know. But if they think they are going to add all kind of charges to my account and I find out they are doing this they are going to be looking down the barrel of a lawsuit.

No one would acknowledge that I had made a deposit to get this account open. I am ready to close the account and would like to know where my money is. I would just assume use it against the balance and I can pay the difference. The supervisor even tried to tell me the only fee I had been paying was a monthly fee of $8. which is incorrect. As I stated I had paid fees for credit limit increases over the past four years. I am so glad I do not have to depend on these thieves any longer. I just wish I had read consumer reviews before opening the account. I would have either kept better records of all my transactions with them or waited to establish a credit card with another financial entity. At this point, I have to chalk it up to a learning experience and cost to reestablish my credit.

When trying to make payment, I was told that I had filed for Chapter 13 Bankruptcy and that the account had been closed. I had not filed for Bankruptcy. After a number of calls, disconnect calls and no one who spoke English I was told that someone with the same last name and address had filed. They reported to all the credit agencies that I was in Chapter 13 and discharge my account. I'm not in Bankruptcy.

This is by far the WORST credit card scam I have ever seen. Last year I was forced to file bankruptcy due to health issues and a divorce. Until this I had a business with perfect credit and was making double mortgage payments. Upon my discharge I got their mailer which said I would start with a $1500 credit line (that is the lowest I have ever had but I figured I had to start over and rebuild my credit). When I got the card it said I had a $400 credit line, along with an invoice of $75 to pay for the card! I was upset but figured I would just deal with it.

Well called today to speak on behalf of my brother Wiliiam. 1st call spoke to a George, had me on hold then called back. 2nd call spoke to a Margiee. She was rude keep putting me on hold. 3rd call spoke to a Harry. I asked for his best Customer Service so he tried his best. He then got the Supervisor on the line name of Ricky. I asked him about charges on the acct. He mentioned about the payment I made of $559.95. He credit me the $9.95 along with my $550.00. Ok nice. But he charged me again the $9.95 - didn't make no sense. They charge interest for the Balance on the acct and interest on the Cash Advance. Never heard of Credit Card that charges for everything. Rip off and they suck.

I have always made my card payments early and chosen my due date because I get paid once a month. I have never had any problems with card company. I make my payments on the second Wednesday of each month after my deposit is in the bank. It seems that this bank has continued to overcharge for one thing then another! There's is no reason for anything, why? If paid early and no overage why? My request for payment on the 24 and this has not been done yet. I just got this card in January and have not used what post, this card is going to be the first to go and not used anymore.. I am very disappointed in the service of this card.

I have had this card for years w/ no issue. Then, 2 months ago, I noticed fraudulent activity on my account. I look to find a number to report fraud. There is none! I call Customer Service & choose the lost or stolen card option, figuring, well, my account info was stolen, similar. Nope. Get some Indian guy who just keeps asking if my card was lost or stolen. I repeatedly explain, there is fraudulent activity on my account, but I have the card in my possession. He repeatedly tells me to call Customer Service, which is exactly where I did call. I posted on the FaceBook site, I wrote to the Better Business Bureau, I filed a complaint w/ Consumer Financial Protection Bureau, and it is now in the hands of the Office of Controller of Currency. I call CreditOne & get a voice mail, leave message, no callback. I work for a big bank. This is NOT acceptable practice. Stay far away!

So I got this Credit One card to build my credit score and now I want to cancel but I find it almost impossible as the website does not provide any links to cancel. Tried dialing the phone number but it is all computerized and without any option to cancel the card. It seems like they made it hard to cancel the card deliberately so that the monthly credit card fees keep accruing.

I had just received an email stating that I was approved for a card from Credit One Bank when something told me to check them out and I stumbled across this site. Wow! Imagine my surprise when I saw all the negative reviews! I quickly called the number from the top review and cancelled the card before they had a chance to send it out! But from what I've read I wouldn't be surprised if they were to send it anyway. I'll just cut the damn thing up. I want no part of these horror stories!!! Thanks so much for all your reviews. You all saved me from destroying my credit after working so hard to get my score up to at least 629. I was just approved for a Barclay MasterCard a couple days ago with a much higher credit limit anyway. Not sure I spelled that right but, it's got a high Apr but I pay on time so who cares. Thanks again!

I received this card end of October/early November 2015. Made my payments on time and even received a credit limit increase in February. That's when it all starts to go downhill. One day upon checking my account, I noticed a few charges I did not make nor authorize that were from out of state. I immediately called customer service to which I was told I didn't have to worry about them because they didn't go through. A few days after that, I received an email stating that I had successfully set up Apple pay on my account. I don't own an iPhone.

OH MY GOD!! These folks are shady to say the least!!! Monitor your account/balance/payment info weekly! Tech support SUCKS! SCAMMERS - I had just made a payment on a Friday, my balance was less than the line of credit. On Monday my account was $35 more, they claimed my payment was received "electronically" one day LATE, so a $35 late fee was assessed. BS - I contacted Credit One, and they thought they were doing me a "FAVOR" by waiving the late fee. I TRULY REGRET GETTING THIS CARD.

Card misrepresented itself. Not Capital One even though they use same logo! Website poorly setup, not user-friendly at all. Custom service reps non-English speaking? Not able to assist in common issues that other cards reps do on regular basis.

I recently became a Credit 1 card holder in February 2016. I paid my first bill in March 5, 2016 for $59.00 and approved. My 2nd monthly bill was due April 8, 2016 and I paid via debit card for $60.00. Unfortunately payment was returned with same debit account I paid in March 2016. Funds were available and they state that I wasn't the authorized user so payment was returned. Say what!!! Same account used previously. My account was closed and now I have to submit a letter on letterhead stating I'm authorized user on same acct. I'm very disturbed. I am very responsible and pay my credit cards on time. Last 2 numbers of my acct is ** and last 4 of social is **. I hope this don't fall on deaf ears. Please advise.

I would give them a MINUS 10 if I could. I agree with the other reviewers. This company should be closed down and the people in charge should be tried and convicted. They are WORSE than loan sharks. A loan shark will tell you up front what you will pay. These people are liars and deceitful thieves. They want to charge $20.00 for a $200.00 credit line increase (loan) and then charge interest on that every month. Also you can't schedule a payment early or make auto payments like I do with the other cards I have. This makes it easier for you to overlook your payment, thus creating a LATE CHARGE. You can make an "express payment" for a FEE (more thievery). Plus their logo should be banned from use and Capital One should sue them for copyright infringement. I could go on and on but I'm getting upset. DON'T DO BUSINESS WITH THESE PEOPLE.

I have similar complaints as everyone else about this company. I was mislead about the initial deposit and credit limit. I have unidentified transactions that they refuse to even to investigate. Then another thing is I signed up for online statement notifications to inform me when payments were due. I didn't receive any notification at all except to tell me that I owe a 25 dollar late fee. They robbed me all the way around and still robbing me. I would like to become party to any litigation that you guys may have pending against this bank. And I have gave you guys the omitted version of the stuff they are presently trying to do.

I have had this credit card since 2012. I have had minimal issues with them. It's a credit card that will help you rebuild credit so I expected high fees and such. Well back in Aug 2014 I accidentally made two payments to my Capital One credit card thinking I had made one of those payments to Credit One. The mistake was easy to make their symbols are nearing copyright infringement. Well when my account with them became past due 35 days I received a call from the folks in the Philippines informing me I was late. I gave them a o hell no! Well checking my records the gentleman on the phone was right. Well I then asked him as I was concerned they would report me as 30 days late on my credit report I asked him if I were to clear this up now would it not hit my credit report negatively. He told me if he cleared it up on the phone now the payment would go thru before it was reported as late to the credit card companies.

I feel this company is a rip off. It claims to help with rebuilding your credit but you're hit with a annual membership fee of $75.00 for the first year and $99.00 from then on. You're also going to be hit with other high fees like for paying your bill.

PLEASE DO NOT APPLY TO THIS COMPANY. THESE ARABIANS ARE OUT TO STEAL YOUR INFO AND NOT PROVIDE YOU WITH A CREDIT CARD. I was approved online for 500. They asked that I mail in a driver's license and social security card. 2 weeks later they asked for a phone bill. One week after that, they said my application was no longer approved!!! Reporting to BBB!!!

Every time call in for any trouble, Indian accent speaking and I don't understand what they are saying at all. My account has been fraud for 2+ call in, they are locking my online bank and card. I don't care for card and I have credit card with other company, they just lock card, never lock your online banking. I agree with lady for her review about protection fees, I feel unsafe for this credit card company. They cannot protect my information at all but still charge for it. About fraud they tell me take 60-90 days to remove transaction that I report. Is it fair for customer? Credit bureau got hurt by unprofessional and not careful for protect their customer. When customer service explain, they seem like international service pickup, and never answer the right information. Very very bad experience, better pick other card company.

I just received in the mail the other day. Trying to rebuilt credit. Came to this site first. Thank God. I read all the horrible reviews. Instantly closed account before card usage. I already rec. a bill for a card I never used!! So I made myself clear to the lady I do not want to rec. another bill regarding this card. We'll see what happens.

Hidden fees that were not disclosed when talking to rep. Was never told about $75 dollar fee and $6.95 card design fee. Told rep really didn't matter about card design. Was told still had to pick. This card is set up to cause you more money than to help rebuild credit. I also was approved for card through Capital One bank to help rebuild credit and they don't have all of these extra fees, and you don't have to pay $9.95 to rush process your payment. This company is money-grubbing. Urge anyone not to use Credit One.

This company has been awful on all levels. I had been paying my bill on time and was working to improve my credit score. I happened to change bank accounts when going through a divorce and updated the information over the phone. Found out later that the account was not actually updated and later they closed my account because my scheduled payments were returned. I noticed on another review that the same thing happened to another person. Decreased my credit score and they were quick to report it and close the account. No more access to pay online and charged every time I pay over the phone.

We were trying to rebuild our credit and have had no trouble with that. Our score is good but I just have had with companies that sneak in those little charges that don't seem like much until figuring up how much a year they are charging. In my case the credit protection, of which I never, never was consulted about or authorized it. It just appeared on my bill. They didn't argue about removing it, obviously, since it shouldn't have been there in the first place.

Had the card for a few years. Set up auto pay for a while and then they stopped it without reason. Two months later found out but by then I got late charges beyond belief. Got it settle and got my account back up to date. Missed payment by one minute and was charge late fees again. Always talk to them and all they do is try to misdirect you. Also, refuse to get managers at times. Been trying to settle the account and they are refusing to do it at this time, which tells me they will do it but not willing to. When I get to a manager they just treat you like you are dirt. Have looked up several options that Credit One gives to settle an account but they are not giving them to me at all.

OH MY GOD!! These folks are shady to say the least!!! The one thing I advise you to do is monitor your account/balance/payment info weekly at minimum! Their tech support completely and totally SUCKS! However, the number in Las Vegas, to speak to someone who actually speaks English and are actually pretty helpful is: 702-269-3900 There you receive pretty good service. Also, if you don't want to pay the $9.95 "one-time payment" fee, do not sign up for paperless invoicing. This company, however, was the only institution to offer me credit given my history and you gotta start somewhere right? Just be careful!!! Once again, check your info from the website regularly and watch your spending and you *should* be alright. WRITE DOWN THE LAS VEGAS # LISTED ABOVE!! I really hope this helps!

Credit One Bank instant harness company I've ever dealt with. They take advantage of you any way they can. They even make it hard to make your payments. They charged almost $10 for telephone payment and they even charge me $4 for online payment using my debit card. I have perfect credit history with no late payments at all. I'm very concerned this company is going to damage my credit from other reviews I've read. I tried to cancel my card and they told me I couldn't. Never heard such a thing. Be cautious--this is a very bad company. I can't believe the banking industry has not investigated this company. By the way all the people you talk to are in India. They can't speak good clean English.

I was pre-approved with Credit One via mail. I continued on with the application and was giving a credit limit of $300. I made my payments on time and always doubled my min. payments. I made my payments via checking account and I decided I wanted to use another checking account. Updated my routing number and so I thought my account number (but I was off by one digit). I had made two payments and had no idea they had not been processed or gone through because of this little mistake I made. Tried shopping, card declined.

DO NOT get a card with these guys. They are fraudulent from step 1. Intro offer said no annual fee then bam... annual fee of $75 charged. Then after closing my card that had a zero balance and zero interest owing on 3/24/16. I get an email today that said login to my CLOSED account -- only to see that they say I owe $1.78 and that the account is open again and says "Welcome Back!" instead of CLOSED in red lettering. Grrr. So I call and they say I don't have to pay the $1.78 and I said, "but why is my account open," and to make sure it's closed. They go to transfer me to a supervisor. I was on hold. Then they hang up on me. I'm beyond pissed and reporting them to the FDIC @ ithotline@fdic.gov.

This bank is headquartered in Las Vegas, Nevada, yet they use phone call centers in India and, I believe, the Philippines. Some of the representatives can hardly speak English. When complaining and asking to speak to a supervisor in the United States, I was put on hold for over ten minutes and no one ever picked up the phone again. Every attempt to talk to a Credit One Bank employee in Las Vegas only resulted in being sent to a foreign phone bank again. This is probably the worst customer service experience I have ever had.

Tried for an hour to cancel this scam and lost my temper and hung up. They juggled me from one rep to the other, all in an effort to discourage me from canceling this scam card. They ruined my credit score with their late fees. Please do not get taken by these bottom feeders, you have been warned!

They were a good company to restart your credit with. Let's face it; credit card companies who take such risks tend to be predatory for the privilege. We know that going in. But once your credit is established or re-established, it is a cumbersome card to own. One, the cost. You have to pay for the privilege of a credit line increase, even though it is ultimately to their benefit that you have it available to use. Secondly, if you pay your bills off every month and don't necessarily use the card frequently, you still incur a monthly fee, which cannot be paid annually. Translation? If you forget to log in because you know you haven't used the card and therefore have no payment to make, you not only get the monthly fee but a steep missed payment fee and/or a late fee. They won't call you on it for about three or four months and by then, you have yourself quite the bill. Normal cards don't operate this way.

I opened an account with Credit One thinking it would be a good thing. I used the card for a $90.00 dollar purchase and when I got my bill I sent them a $50.00 payment and they sent it back with no reason so that right there made my payment late. So I resent it the second time in which they kept and raised my bill by $45.00, so I sent them another payment and they didn't accept it claiming that they had the wrong information. But after talking to the person on the phone come to find out they did have the right info. So this time I paid them off and still don't trust them, so I will be checking with my bank to make sure they only get what they have coming cause they are THIEVES. So to all of you out there do not use Credit One ever. They purposely make you late so they can collect their late payment fee of $25.00 and run your debt to them up.

I left a review below about my experience with Credit One. They eventually sent me a new card and wiped out my fraud charges. Cool. I was started to forgive them for the worst customer service ever. A week later from receiving my new card (which I've swiped a few times but nothing major), my online account was suspended. Unsure why, I gave it a day to resolve itself. The next day I check, there's a new Visa number with completely different numbers I have never seen before and a balance completely off from what it was when I received my replacement card. There was ZERO information about this on the account site except for $**account transfer. No pending transactions or anything.

Try to play it off like they are Capital One. Crazy!! The part is I have good credit!! Checked everyone on the paperwork. No annual fee listed. Activated card after I used one time. Received a bill for 75.00 for annual fee. Very hard to get a hold of anyone and when you do, they are rude and can't barely speak English. Sent a small payment of 25.00 -- posted within 6 days. Mailed in a 535.00 payment and so far it has been 15 days, and it still has not posted. I confronted them about holding payments and they made a remark that they have to make sure the payment is valid before posting it!!! I just made a online payment of 400.00 and trust me there will be a small balance left to pay but I am done. I just received my Capital One Card and I will be happy to be rid of these people!!! STAY AWAY. They are horrible!!!

PLEASE... I AM WARNING YOU, DON'T ACCEPT A CARD FROM THESE PEOPLE. I accepted a card because I HAD NO CREDIT! The information that came with the card stated that if I made my first five payments on time I would receive a credit line increase. I have never missed a payment, always paying more than the minimum due.

I hate this stupid bank. The only reason I bought it was to transfer some money to my Bank of America card so I can close that account and pay off the Credit One. Instead after just using it once with a balance of $17.20, they said I had to pay annual as well which was about $100 or $90. After constant calls the technical guy gave me a deduction of $50 which you'd think would be great and everything but was so rude and was practically screaming at me because I had bad reception. I guess he thought I was doing it on purpose.

This is the WORST company I have ever dealt with. They even try to charge you for the color of the credit card and continue to call and harass me over a late charge that was NOT late!!! I paid the card off in FULL and when I spoke to a Representative, who can't speak proper English, assured me that all "other" charges like the color card would be waived... Who does this??? This kind of company should be banned from the United States!!! What is happening to our country???

This card disguises itself and attempts to confuse you with Capital One with their logo looking very similar. Unfortunately, I should have been more careful. Once I got charged a fee, I realized it was not Capital One. SO I thought well, I can use it for emergencies, anyways, I always pay before month to avoid fees. Wrong, they charge you interest first day. There is no way to easily cancel the card. For the new year, they do not tell you but they charge annual fee, now in installments in order to get interest every month. Now, they are offering credit line increase, but with a fee. In the meantime, trying to cancel account and keeping account current. I can't pay it because they are holding my access hostage unless I accept the offer to increase my credit. There is a "No Thanks" button, but it does not work. Very shady company taking advantage of those struggling.

Both my spouse & I had accounts with Credit One. We made payments online with a debit card from our Credit Union. Unbeknownst to us, the payments did not go through. Instead of contacting us, Credit One closed our accounts and we could not access our information online. We contacted them as soon as we found out. One person said the account was merely suspended. Another said it was closed permanently. They said that the CU account was "not found" and that we needed a "letter of verification" from our CU. Even though we have since made payments from different sources, they still refuse to reopen the accounts until they receive the letter from our CU!

TL;DR: Crazy restrictions on using the card (that I've never seen on another card), customer service ** with your account (when you can get one you understand). My card was regularly declined when traveling domestically or purchasing online. I called, chose English as my language, verified my identity, and got connected. The first customer service rep had an almost impenetrable Indian accent. I explained the situation, said that I suspected the fraud prevention criteria were too sensitive, and asked them to change it. He persisted in trying to get me to change my username / password credentials even though that wouldn't have any impact on the card performance. Finally I had to ask him to transfer me to a different rep because I was having trouble understanding him. I'm sure it was just as frustrating for him. He put me on hold for 10 minutes and I finally disconnected to call back.

I have opened that account in an attempt of fixing my credit rating since I have poor credit. I thought it was one of the best and did not much mind all the fees I was being charged since I really wanted to upgrade my credit rating. My payment was initially due on the 7th of the month, and they even tell you that you have option to make changes and choose a new due date, which I did, not knowing that if you make that change, it goes into effect after 2 billing cycle. So anyways I chose the 20th as my new due date and the 18th of the month made that payment. I got charge for late fees and was blocked out of my account online. I really did not know what was going on and processed to make another payment on the 4th of March which did not go through.

Good morning. I need some help with this company. My name is Maria **. I pay my card in full, every month they want me to paid at fee. I'm calling then to cancel my account and they refused. I lost my card I don't want any more from this company. Please help me. I need my credit to be good. Thank you, Maria **.

Please do not apply for this card!!! I have my card paid off!!! Now they want to charge me $8.25 a month!!! FOR WHAT??? I WILL CANCEL CARD TODAY!!! PLEASE BEWARE.

Just made this account to write this review. Would give them 0 stars if that was possible. I paid my balance off last month and haven't been using the card. They're like there was an interest added on it plus late fee. I'm like late fee and interest on what? 0 dollars? She's like "it doesn't show the accurate amount online. Cause whatever you paid didn't show the remaining 10 bucks and now there's a 10 bucks fee and interest on it..." So my balance is 20 bucks, she hands it to the next rep, she says "It's 21 bucks." I'm like "Ok where are you getting these numbers from?" And then she's like "9 dollars processing fee." So 30 bucks total.

I tried to make my first payment today and was told in order to avoid the 9.95 fee I could pay online. Did not work (after numerous calls they tell me it won't work with a mobile phone). They suggested I call CS and keep pressing zeros until, what, I don't know but two different reps told me to do that. I was hung up on and just like everyone else I could BARELY understand them. Finally made payment after a request for a supervisor (was told there was not one available) was denied. Now after reading all of these reviews I am concerned - very concerned. I thought this company was part of Capital One who operates VERY DIFFERENTLY. I wish I would have read these reviews first! Has anyone heard of a class action lawsuit?

I would like to add my input to the reviews about Credit One Bank. As an introduction, I have been an account holder with them for nearly three years now. After reading a LOT of reviews here, I would like to say that my experience with them has generally been positive, with some cons, as is the case with most any company. I received a mailed solicitation to apply for the card. I'm not certain how anyone could mistake them for Capital One, if they are actually paying attention to anything in the letter. The name or logo is clearly displayed in about three different places, if memory serves. There is an accompanying paper that itemizes the fees associated with applying for their card. I had no surprises there.

I filled out an application for a credit card with this company but when I saw I would have to pay $75 a year, I decided not to continue the application. A few weeks later, I was sent a credit card and it had a charge of $75 already on it. I called and spoke to customer service and told them I did not want the card... but they convinced me to take it if they would reduce the annual amount to $25 and extend my first payment to April 15. I got a call from them a few weeks later stating that my account was in arrears that I would have to pay $25 as late fee but it is still March. I called and got that waived but now I have received another call that stated that I am overdue. Do not trust this company. They engage in criminal activity.

I'm writing this review because I see so many others writing about how horrible Credit One Bank is. I'd like to say that I had the worst credit possible all from when I was 18. I am now 29. Credit One gave me a card when no one else would. I've been trying for the last couple years so I could build my credit back up. They have been nothing but helpful. It's your responsibility to make sure you pay your bills on time. They send you statements to help you but in the end, it's your job to keep track. I've never had a problem with Credit One. They're great as far as I'm concerned. If you can't keep up with your bills don't have a credit card and stop complaining about how banks are out to get everyone. It's a company that's how they make their money! Give me a break.

I opened this account with Credit One for a credit card not long ago. You won't believe this. I am trying to pay off the balance as soon as possible. I recently owed 48 bucks as a minimum due, so I paid 88. Not long after, I paid another 80 bucks. Just yesterday, the 15th of March, 2016, I tried to pay another 100 dollars. This is, btw, all being done online. They would not accept my payment. It said they needed ID verification because I was making a 3rd payment within 30 days. What? Now check this out. It said to verify my ID, they were going to make 2 small deposits into my checking account.

I received the card in November 2015 and the statement for the "one time fee" with a finance charge attached to it the following month. I called, asked to close the account, they refused until I paid the "one time fee", did this and asked to close since I cut up card. Customer service rep convinced me that since I paid the "one time fee" just to keep open and if not used then no balance. 2 week later a new card comes in the mail that I didn't ask for so I cut it up just as I did the first one. Received a call from their collections department indicating I had a balance of $50.38 and needed to pay today. I asked why a balance since I have no card to use. There was a replacement card fee charged to me and then a late fee and interest. NEVER did I ask for the replacement card and in fact destroyed it when it came in the mail. It took me 3 phone calls (2 hang ups) and a supervisor to explain the charges and to actually shut the account down. This bank is a joke!

This company violates numerous Fair Debt Collection Practices. Bogus charges, refusing to close accounts, calls before 8 AM and after 9 PM, more than 2 calls per day, talks to others about the account who answer the phone. My account has been paid in full (even though most of what I paid was bogus) and they refuse to close it. They won't even speak to me by phone. They tell you to mail them a letter. This way they can continue adding bogus charges. My attorney is now handling this for me. Anyone else who would like to join in on this please feel free to contact me at **. What this "bank" is doing is illegal and needs to be stopped.

Credit One Bank is the excellent route to go when attempting to build credit - or when no other bank will accept you due to poor or low credit scores. This company has actually helped me in so many ways that words merely can't explain. When I had first started using credit one, I had only $300 credit limit and I had to pay for not only an annual fee, with an high interest rate, but for every credit line increase I had gotten. But one good thing about this card is that the creditors treat you according to how you "respect" the card. Pay up consistently, on time and you are guaranteed a credit line increase twice a year - not once a year - as the other card companies do you - but twice and the increases go up as you continue to pay faithfully.

I have always tried to pay my bills on time and I did keep this card a secret from my husband but my husband let me know today that they have been sending him information by email to him regarding my account. I am furious, I spoke with someone in their customer service and asked them how they got his email when I never gave them any information about him on my account and they could not give me a answer. It seems that I missed the payment on the 11th and that it was past due. I made a mistake and assumed that it was on auto pay which they said they don't have a paid the bill along with the late fee but was so upset that no one there could answer how they got my husband's info without my permission. What can I do about this?

The senior representative I spoke to on 03-13-16, ID# **, was EXTREMELY RUDE! I have been a customer for over 9 years and have never been talk to in such a manner. He would talk over me and after trying to explain the reason my payments have been late, he wanted to demand that I make a payment today. His whole demeanor was rude. I will be submitting a letter to the corporate office.