Credit One Bank Reviews

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.

I had this card for 1 year and I can't wait to get rid of it. I was blocked out of my account for nearly a month for trying to purchase train tickets in Europe (from an actual train company so they were completely legit). This is AFTER I notified them that I would be making purchases in Europe. I called them to find out what was happening. They not only put my card on hold, they literally blocked my access to it. You cannot email or chat with them. You have to call and speak to someone in India who is prompted to tell you the same thing each time you call. I honestly don't think they fully understood me because they never took action to rectify the situation. They simply said my account was being reviewed by a third party and that I was not allowed to contact the third party.

I was sent a credit card of a 500 limit. When I went online to pay my card off through my bank they told me that my routing and account number didn't exist. They as in CREDIT ONE suspended my account. They didn't tell me about the problem until the fees started adding up. I was very upset that they were always hanging up on me. Made me very concerned and suspicious about their business techniques. No one there spoke good English, and I always asked for supervisors. They responded there were no supervisors available. These people need to be investigated immediately!!! There is fraud going on with Credit One and purposely.

My credit card info had been stolen before last Christmas and my credit card was over my credit limit. I called Credit One and PayPal where someone went Christmas shopping. Anyway PayPal didn't hesitate to give me my money back and Credit One didn't either. But Credit One's computer charged my account twice for the stolen money and now they are wanting me to pay for money that was stolen from me and gave back. Ok it doesn't make sense to me but they put it on there and now I'm over my credit limit again because of them, and they are trying to rob me to pay for their mistake. I don't care where they are from. Right is right.

I had this credit card for many years. I used it to help build up my credit. When I decided to close the account, I called in and paid the full due balance immediately over the phone. I started getting calls asking for additional fees and was told they would fix the error when I informed them that there was no balance. They have now reported me late on the Credit Bureau for $74 after charging me $35 for each of the last months for late fees. They said they would call back from the corporate office in Vegas within 48 hrs and rectify the problem. That was over a week ago. Do not apply for this card. Go to Merrick Bank, First Premier or Capital One. Their fees are about the same but the customer service is great and they will accurately report your performance.

I had an account with Credit One Bank. My payment was 1 day late due to the mail and I got a call from someone at Credit One asking for all of my account information and wanting my credit card info. He was extremely rude and pushy. I said due to all of the fraud going on I didn't want to give him my info and that I would rather just immediately call the company back and talk to someone. I was being very nice just hesitant. He got very upset and demanding and cancelled my account and put a block on my online access. This is terrible. I now have a balance that I need to pay off with no access online to pay. Which is fine, as I will mail my payments by check. But these people that work for this company are very rude and demanding with no flexibility. Do not get a credit card with these people. :(

I opened an account with Credit One Bank and I paid off the $82.00 and never stressed out about the card never arriving. I finally got the card and registered it and got $150 credit increase. I know I won't use it. My credit is in the low 500's. I'm trying to build it up little by little. It did go up 100 points in 4 mos. I think Credit One rules. Customer service will treat you nice as long as YOU are nice.

Yesterday, called Credit One on my Visa's due date to pay card balance off in full. Of course it's overseas, and it was a woman who kept asking me to repeat the card number and my debit card number over the phone. It costs $9.95 for a phone payment but figure it was worth it if it has a 0 balance. She assured me it had gone through. Called this morning, and went through my account info, and still had a 2,500 balance, and now a $35.00 late fee. Seems strange to me. The customer service person yesterday didn't understand English enough to get my information correct, and yet every phone payment in the past goes through without problems, and I can use the following day. They wouldn't waive my late fee, so it was my balance, the 9.95 phone charge, plus 35.00 late fee. Read all the other reviews, and will watch for suspicious fees and charges. If it happens I will dispute them, and report to the FTC and other agencies.

This is the absolute worst credit card company I have every dealt with. They automatically charge you a $90 fee when you open the card. I used the card once and they froze my card without notifying me. This happened more than once. Every time I called to fix it, no one spoke English. I lost my job and notified them I was going to be late on my payment and I received no less than 15 phone calls a day from numbers all over the country hounding me for my payment. It was so bad and harassing I had to end up blocking numbers. They charge you $10 to pay your bill with another card on top of your interest. I have no nice words to describe the trouble this company put my family through and I would never recommend them to anyone. BAD!

Online account always suspended for NO REASON, forcing customers to call in to make payment and pay $10 fee for payment over the phone. I've had this account since Nov '15 and have only successfully logged in online once. Such a scam. Customer service is rude, they don't speak English. I regret getting a card with Credit One. Worse card I've ever had, EVER.

I've been trying for the longest to cancel my card, each month there's a phantom late charge that needs to be rectified. I've asked to make a payment and close my account and was repeatedly told that the system was not updated? What the heck is going on and how do I stop the madness? I'm terrified from this as I'm in the rebuilding stages of my credit. Please help!

Got a credit alert regarding new account being opened. I have fraud protection and there should not have been any accounts allowed to be open without verifying my information. To my surprise, the agent confirmed that I indeed opened an account online the day prior and was approved. I asked that account be cancelled and when I tried to get information on the details of account being opened, i.e. address etc, the agent would not assist and would not get someone to assist. This is very poor. Account should not have been allowed to be approved without my consent in the first place. Bad business.

Well as many, I am trying to rebuild my credit. Somehow I caught all the "good reviews" on this card stating people have build their credit back up with it (All bad credit due to missed payment. I have never owned a credit card before so this was my first). I could not get approved for any other credit lines such as Capital One so I went to Credit One as a last resort. I received the "Pre-Approved for $1500 credit line" and received my credit card with a $300 limit and $75 activation fee. At first I was like what the hell is this? But I figured it was my first credit card I would flow with it and learn the full process. It's been about 3 weeks using it and has been going fine. I keep my balance at $0 always paying it off.

For some reason my online account keeps getting suspended. When all they tell me I have to send in the mail or fax to them my driver's license and my Social Security Card. They are charging unclaimed and unexplained monthly fees that are not associated with the card. Try to pay it off and close out the account and they won't close the account again until I send them a copy of my driver's license and my Social Security card. Like I am going to do that with Identity Fraud.

Got my Credit One card which I thought was Capital One. Got my card and disclosure which didn't match the disclosure I received with the card. After reading their disclosure I did not activate my card. I called today Sat 3/4/16 to close account, 400 credit line, 100 year renewal fee. Tried to get me to agree to 50 year annual fee. They told me it will help credit... I told them I have a few cards no annual fee, nice limit. I don't need this. I wrote this because they told me account was closed. We will see... Also told them "I FEEL INSULTED."

They have reported a credit card account on all 3 of my credit bureau reports, which happens to be a negative account, that does not belong to me, never has belonged to me, nor have I ever had an account with this bank. I have disputed this 5 times now with the bureaus and have contacted Credit One Bank numerous times and they insist that I do have an account. I have requested proof from them to show this and they have yet to provide this to me. As of March 2016, it continues to report & I am contacting an attorney to follow up on this for me and will sue them for whatever I can.

I was surprised reading all the bad reviews on the CREDIT ONE credit card. I have had this card for a couple of years with no issue. I pay on time with bill pay with through my bank. They receive payment the next day. I check my statements when I receive them in the mail plus I do regular online checks of my acct. I have been over my limit & never received a call. I would add the overage in with payment. I have never had a need to speak with customer service. This is a credit building card so interest is high & there is a fee for credit line increases. I get increases just when I need them, school time & Christmas. This card has been good for me. I am working on paying off balance but intend to keep acct open.

I concur with everything that everyone has posted here. I actually sent a letter to the CEO letting him know how terrible (and fraudulent) their activities are and to immediately cancel my account.

First off I received the offer, Sat at a table with my boyfriend now husband, with a lighted magnifying glass and we read online at a time to make sure it really was no annual fee. The offer was pre-approved, etc. I do not actually pay my bills, he does. He is my payee because I am disabled. I have been in and out of the hospital so much he does it. He has paid 10$ fee to make sure payee t is on time then they charge a late fee. Plus they charged us 19$ for an authorized user card then waived it because he was my husband. They waived it then charged an authorized user card fee again the next year. They offered us a credit increase then hit us up for 14$ and change charge. If we asked them for the increase I would get that. But they offered us an increase because we pay good etc. naturally good customer get increases over time on all my cards and I do not pay a fee.

They hit my debit card for this months payment, an action I DID NOT AUTHORIZE... and for no reason. I was not nor have I ever been late with a payment. Bad Business Practices and you can never reach them to make a payment. Then they want to charge you a 10.00 fee for immediate payment even though you don't need it. For this reason I had already mailed my payment early... only to see that they had hit my bank account using my debit card... which I did NOT authorize!! Really BAD Business. :(

I got this Credit One card to rebuild my credit score for I was without a visa card for many years. I got the card and one day I could not use it? I could not log in to my account, password was changed. You cannot email this bank? You have to call and wait to on hold a long time till a person in India answers the phone. Now I like Indian people, but sometimes hard to understand their accent in English. I get a statement with $259.00 of fraud charges in Florida, Ohio. I live in California.

I missed one payment card payment in 2010. When I got my card it was canceled. I called customer service. The representative was rude, said that I could not have card uncancelled but still had to pay balance. I gave payments, paid it off, never applied again. On my credit report it shows paid off. I applied to see if I would get approved. But they say I still owe a balance but it is paid off.

They are horrible! I lost my job and was having issues paying them back and they sued me and sent me a court letter. I am pregnant and cannot be going to court to fight with them. When I asked them to work something out they will not accept lower than $100 for the month. I am a pregnant mother of twins already who lost her job and trying to save up whatever I do have and they did not care about me at all. They need money so bad they can care less about you.

I am at work, and receive a call from a local deputy stating I am being sued in small claims court for a $1300 balance on a Credit One card. I have never in my life owned one of these cards, had an account with these people, applied for a card, or even HEARD of them... NOTHING!!! So, how am I being sued for a card I have never applied for?? What a bunch of foreign crooks!!!

This co. will not credit me back $177 paid to Bright House that was not authorized by me. I do not have services with them since Aug 2015 and the charge was from Oct 2015. I complained once I saw the charge (1 mo later) and was always told a mgr would call me back but eventually I some to someone in Jan who told me to send in the written dispute. Then only 2 wks later to be told they will not credit me back due to the dispute time frame has passed. That's BS. I complained and someone was supposed to call me back. This is bad business and I don't think I should have to pay for fraudulent activity.

answer. Keep on telling me that I need to write a letter to my attorney to get answer (WHICH I DON'T HAVE). I need a customer service rep that can speak English so that I can understand them.

We got the cc last week and then got a bill for 75.00 the next week, but the fee when we got the card was only 45.00. How did that happened, we called to close the account and they tried everything in the book to keep us from doing it. We talked to our bank and they told us if we do not activate the card we do not owe them anything. This company is way off base and we all need to file a complaint.

I canceled my card and paid it off in July 2015. I found out there was still a balance of $68 of interest in January 2016. I had received no notice or anything. I called to pay that amount off and it had went up $477.87 in annual fees and interest. I explained I did not know there was a balance because I had no access to my online account and did not receive a bill because I had canceled the card. We agreed for me to pay $105 including the interest until it was closed and annual fee. They stated once the money cleared it was cancel out that was two weeks. I called and check the account there still a balance. I have called backed several times and I have been hung up on and screamed out and then told it will be cleared in 30 days. Truly unhappy about the situation and have no way to fix it.

Charged interest AFTER paying off the balance. I paid the balance owed on 2/20, but when I checked my account there was a balance $4.88. Credit One told me that even though I did pay off my balance, they were still charging me interest. It took a lot of arguing but they finally took it off.

Upon close review of my Credit One account, which does not have a balance, I noted that the annual fees are being charged monthly and an interest rate is applied each month to the annual fee, which is a scam.

I got a credit card from this company and have never been late. I work nights and they started calling at 730 am and called 11 times in 2 hours. Was trying to understand the thick accented person asking for my debit card. She said I was late for a balance of 2.00. I told her I would send a money order, but she kept asking for the debit card. I got very angry and told her to be looking for the money order. TERRIBLE service. Beware of these people.

They charge 10 dollars for you to make a payment on top of the interest rate, they are getting over on people. Customer service is clueless and can't help. This company just don't care at all!!!

This company is a huge rip off and absolutely terrible!! You have to pay a fee to make a payment! Online account is somehow "locked" just about every month making an online payment impossible, hence having to do one for $9.95 on the phone, in which you cannot understand a word the reps are trying to say. Customer service is not available... as it seems no one knows anything and cannot answer a single question. DO NOT open an account with this company as you will deeply regret it as I have.

I've had this card for about 5 months now and just last week there were fraudulent charges on my card. I called the company right away to inform them, they told me they will cancel my card and send a new one as well as open an investigation into my account which he stated would take no longer than 90 days. I said "ok" and we hung up. A few days after the initial call I decided to call again to ask about how the investigation process works, as this is my first time being a victim of fraud. I needed peace of mind and just to know that they would be doing everything they can to make it right. I asked the lady what my balance was before all the fraudulent charges and she asked me if I had received my new card, when I told her "no", she just told me that I needed to wait until I get my card and activate it before she could tell me anything! That made no sense at all.

We have 3 credit cards with this company and they flagged one and won't give any verbal information to us. State that we requested this! When asked how we stated this they won't tell us! Say that all information regarding this account needs to be done by written letters. I asked "if you can't do anything without us writing to you then how did the account get flagged?" States that we requested it! I asked "do you have something in writing from me and if so I would like that sent to me so I can see it!" They are unable to do that without written request! So they flagged a card with a 0 balance then charged an annual fee then an interest charge!

I wouldn't recommend this card to anyone. The customer service people can't speak English and are very rude. As soon as my card is paid up I am cancelling my service with them.

This company needs to be ban from this surface of the earth, this credit card company are all rip off. First of all the name look like Capital One so people overlook it for that. Second of all, high interest - they charge you almost 100 dollars for activation fees. Customer service is poor. I tried canceling my card and they tried offering me 50 dollars to stay. LOL. A real credit company will not offer FREE money to try to make you stay with them. CREDIT ONE needs to be closed and ban from all company. This company is a rip off. I will advise anybody NOT TO SIGN WITH THIS COMPANY.

I just got my income tax check. Made a payment via my online account, Credit One rejected it. I called their customer service department and was told insufficient funds... liars! They then tacked on late fees out the **! They are dirty **! Do not apply for this card... they are thieves!!

I had this card before and I mailed off a payment of $150. They wait 3 weeks before they tell me they didn't receive so I said I don't got money like that to just be given it, and the money order people said it was cashed. So they waiting until it got to $928.00 to want to take me to court and that just to my state check, and all I use was 275. How the hell they get over on people. I will never send y'all no customers, y'all weak and y'all took money from my son. No good will come to this company. I hope boy you just don't know what I hope happens to your company. BIH.

In Jan. 2016 I received a pre approved application for a credit card. I filled it out and sent it back. Approximately two weeks later I received a statement requesting payment, but I did not have a credit card. I called the customer service and spoke with a male of Indian (India) descent, I told him of the problem not having a card but receiving billing statements. He told me to wait to receive the card then make payment. In a week I received a request to activate my card immediately! I call customer service told them I did not receive a card to activate as of this time. In addition the due date on the statement had lapsed, I was told they would send me a new card and not to worry that a new statement would be sent.

They charge so much for a credit card, $400 limit to be exact! They charged us $75 annual fee, $7 interest, $25 late fee (never got an email about the due date) and $10 to make a payment all in one month! This is the worst place to get a credit card! We already paid in full and will be cancelling this card!

After having this account for several years, I had one returned payment (twice because they resubmitted the payment). As a result my account was suspended, meaning I could not log on to even view statements and charges, update my mailing address, really basic stuff. During this process, I was also relocating from GA to CA, so I did not clear it up right away. Anyway, this also happened to be the same month in which my card expired and was to be renewed.

On the website, tried to click on link for my FREE credit score. It kept taking me back to the first page of Credit One's website and kept asking me to log in again and again and again. I was getting dizzy from the circle I was going in! Called in to customer service, carefully explaining the problem with their website and the jerk with a very thick Asian accent kept telling me that their website was "running fine." I kept asking him why, when I clicked on the FREE credit score link, it would keep taking me back to Credit One's page to log in, over and over again. He then hung up on me.

I applied for this card about a year and a half ago, thinking it would help me improve my credit score... It did the exact opposite. It seems like no matter how much I pay I am still in the hole. I recently completely paid off my card, hoping I could cancel my card after that and to my surprise they charged me a $6.00 interest fee on purchases (I haven't used this card in over a month) and they charged $8.25 for the "monthly annual fee". I didn't know there was even such a thing as a "monthly annual fee". So the balance is completely paid off and now I still owe $14.25??

My account went into collection in early November. I made a payment arrangement with the credit card company to pay off my bill in exchange for them sending a letter to the 3 credit bureaus asking for my file to be deleted. I paid off. They never submitted the request. I called back in mid-December and a supervisor said they wouldn't delete the file and she didn't believe I was promised that. She indicated that they would pull the audio of the conversation and get back to me. They never did.

Much like all the other reviews, mine is pretty much the same. I have gotten into the credit card trap a time or two but have kept very low balances since. If you are even but a day or two late with your payment with this card, get ready for numerous calls from people you cannot understand. This card comes with an annual fee (paid monthly so you will always have a bill). I cancelled and closed this account today and will be ever so glad to report to the three credit bureaus that this account is closed. I will NEVER go with them again.

My dad had passed away so I did an express payment on my Credit 1 Card of $500.00 so I would have funds available to book a hotel and rental car. They took a 9.95 express fee from me so my funds would be available the next day. The money was immediately extracted from my bank account. The next day the money was not available to me, when I called I got someone from India who told me they would be available later in the day. When this didn't happen I called again, I got a very rude representative once again in India who then told me I didn't do an express payment even though I had a confirmation # and a screenshot. His rudeness escalated as he continued to argue with me until he hung up on me.

I apply by mistake, thinking it was like a branch of Capital One, (Obviously I wasn't familiar with) and I wanted the app, but it said error. So I called the bank and was very difficult to understand. I asked if they have an app and the guy said: "Yes, but we don't recommend the use of it." I'm totally cancelling this credit card after the first statement.

ALERT. If you are thinking of getting this card...DONT! This company will nickel and dime you to death. Customer service is ridiculous. They can't speak english enough to understand you and you can't understand them. They charge you 10 bucks to make a payment to them. You will not even use the card at all and all of a sudden you have a bill for change for no reason. If you do try to cancel the card they do everything to make it that you can't. They even send you a bill for 4 cents.

I opened a Credit One card to improve my credit, made all payments on time no missed payments, my dad made one payment for me and they closed my account as fraudulent payment and reported me to the credit agency!!! I have argued with corporate office and don't even know how legally they were able to do this... So BEWARE!! VERY SHADY COMPANY!! GOD BLESS.

Do not get a card from them. I had them for a year to get my credit going. After that I closed my card with small balance of 22.50. After closing my card I checked my credit score a month later and had two delinquent payments from them. When I called they said I owed 1.85 which they charged me 65 dollars in late fees as well as 16 in monthly fees even with the card closed. I highly recommend to never use this company as they are scam artists whose call centers are run by people who cannot speak English.

Please stay away from this card. This is a scam. I was approved for a Credit One Bank card for $400 limit with a $75 first year fee back in Oct. 2015. I received the card in Oct. with a $325 balance paid $25 in Nov. My balance with up to $350. I spent $50 and paid $75 in Dec. Somehow my card limit went up to $550. I end up spending $500 for Christmas. My first paycheck of the new year I paid my balance completely off. Went to use my card again to only find out it was suspended. Called Credit One Bank and I was informed I would receive a letter in the mail stating why my card has been suspended. The letter stated that I need to send proof from MY BANK that the account I used to make credit card payments was authorized BY ME. I send in letter from my bank. Only to be told it wasn't the right account which I know I made payments from this account. So I send in MY 2nd account info.

This is the worst card I have ever had!! It lasts me not even one month and it has impacted my credit very badly. They gave me a card with a credit limit of 500 and told me that they would charge a $25 membership for the first year. I made a payment online right after I got my card because I usually don't want to carry a balance and then I used the card at a grocery store and online in order to repay it with my debit card. Therefore, I made another payment with the same debit card I used for the first payment. Next thing I know was that I could not access my account online anymore!

I've had credit card with 500$ limit and I pay all but 25$ off a month and have had no problem with Credit One... And my credit score went up 2 points in 2 months. So the way I see it pay your bill and then some and all is good. Thanks credit one for trusting me a bad credit having customer... Yes they have annual fee. It says that before you accept it. If you don't agree then don't apply! But if you are like me with bad bad bad credit but a good job and want to work on your credit then they are good. Like I said no problems yet.

I set up an account so that I could pay off this account and the website was very difficult to work in. I'll be mailing tomorrow. Between the customer service folks that I cannot understand & the website, I AM DONE.

The company makes it very difficult to make a simple payment and the customer service is horrible. No one will answer your questions or resolve your complaints. They just find insidious ways to charge you more. I've never been able setup an account online to make payments or check my balance. Customer service won't help. I tried sending payments by mail even though, they don't send me statements every month. I sent a check for the full balance just to find I owed the same balance plus fees and interest. Tried calling on the phone to make a payment but again, customer service won't help. I've only used the card 1-3 times for gas and maybe a meal. I'd recommend people stay away from this company. It's the most underhanded credit card company I've ever dealt with.

I have spent years building my credit score and it is now perfect. I have not used my credit one card in awhile and they charged a $8.25 annual fee to my account that I was not aware of and they reported it to credit bureau when it was in late payment status. I called and asked them to see that I have been a member for years with perfect on time payment and because they don't have automatic enrolled payment, could they please help me remove this from credit bureau? They said no and was firm and I had to cancel the card as they hurt my credit score more than they helped me. I enrolled in this card to build my credit score and they hurt me more than they helped me.

Seems like past few months my mail in payment are considered late yet I mail within a 8-10 day before due. When speak to a person on phone they blame me then hang up. Do not speak good English and are rude. Get charged a late fee no matter what.

Each and every encounter leaves me with dissatisfaction. Why am I always speaking with someone who sounds like he or she is in a far away country somewhere, and cannot understand what I am saying? Not to mention their ridiculous annual fee. Bad customer service plus so many unnecessary fees equal a very bad credit card.

I had applied for the card on which I was making on time payments, until one month I overlooked and I got a phone call, "demanding payment". I explained and said sorry for delay and need a few days to complete the payment. I was interrupted and asked If I understood that I needed to make the payment immediately and proceeded to talk over me and then hung up the phone while I was talking. Needless to say I payoff the entire balance and close the account. Extremely unsatisfied the way they conduct business.

Paid up and current until 2 months ago. Lost my job in June and was staying on top of it though. Last month I told a guy that called that I was out of a job.... "not his problem. Let's take care of this today." I told him I didn't have the money but would be going through a consumer counseling service and he told me it wasn't acceptable. Today WITHOUT my permission, knowledge or consent they ran my whole balance through my bank account. I called the bank and got that cleared up, went in to close out my bank information and Credit One blocked my information access. Please DON'T fall into this... Don't get a Credit One Credit card...

These have got to be the worst company I've dealt with. They asked for my personal information and I didn't realize this one simple scam... They disguise themselves as another well-known credit line. Look at their logo! Sincerely, your best customer.

Called customer service in regards to a charge on my account, was prompted to push 1 for English and the representative who answered had such a strong accent I couldn't understand him. He connected me with another representative name Daisy (at least I could pronounce her name) and I couldn't understand her either. I kept asking her to talk slowly so I could understand - with her not being fluent in English she obviously didn't understand what that meant. I ask her where she was located as I was prompted at the beginning of the call to PUSH 1 FOR ENGLISH NOT 1 FOR INDONESIA and she said INDIA!

I made a payment by check to Credit One Bank for my February 2016 payment through the mail 10 days before due date. The payment was for eighty dollars. It is logged into my check register, no doubt about it. I check my bank balance daily through my bank's automated service. To my surprise I had an eight hundred debit to my account. I contacted my bank and inquired as to the source of this error. It was Credit One Bank. I had my bank credit the amount back to my account after I explain that it was an error. I contacted Credit One Bank and talked to customer service. They would not talk about the error and were resolute that I had written the check for 800.00.

On 02/08/16 I authorized my debit card to make a payment of $75.00 on my fiancé's credit card. Credit One took out 4 payments instead of one. We live week to week, and count on every dollar we have for bills, groceries and more. This extra $225 could overdraw our bank account. We talk to customer service and they are never helpful. We are going to cancel our cards with this company...

I presently have 6 credit cards and I always pay on time and in full. After receiving my latest Credit One Bank bill I was shocked to see a late charge on the statement. I looked back over my bank records and didn't see a payment for the month of December 2015. The ONLY reason I wouldn't have paid is if I didn't receive a bill. I have a system with paying my bills and I don't throw bills away. I called customer service and finally got a hard-to-understand foreign voice on the phone. This person was anything but pleasant. She asked for verification of my account. She asked for my card number, 3-digit code, my name, my address, my birthday, my email address, my phone number, etc, etc. After honestly asking me '10' different verification questions I asked her why she had to ask me so many questions. Again, she was snappy and rude even before this hundred questions session began.

Horrible and misleading, no credible credit card company asks for DL and utility bill information. They should NOT be allowed to be in business. Did we bail out this bank also? Over 800 complaints and they still exist. DO NOT APPLY - stick with Capital One NOT Credit One.

This is the worst company ever. I never complain, but they are a scam. If you use card for a hold at a hotel it takes them 7 days to release funds even though the hotel released the hold 1 day later. If you don't pay by certified funds they won't credit your account for 5 days. The FTC should investigate them and throw the owners in jail!

Someone hacked into by Credit One bank credit card. Even though they have supplied me with a new credit card and sent me a letter stating I would not be responsible, they transferred the fraudulent charges to the new credit card and have been paying on them since. I have called and left messages that go ignored, I have written a letter with return receipt and to this date have not received and correspondence back from them.

I thought I was making the monthly online payments. I received a call one day stating Credit One had not received a payment in 3 months. Payments were never received by Credit One stating insufficient funds. I always had funds in my checking account... Bottom line Credit One closed my account. Terrible customer service over the phone and online.

They told me there would be no charge to pay online. When I paid online they claimed that they couldn't find the payment. So I canceled my card because my money was lost.

I would not recommend this card to anyone! I received a card from them with the understanding NO ANNUAL FEE & 1500 LIMIT. I activated the card & put it in a drawer for a rainy day. A few months later I get a bill in the mail stating I owe $138.50 and my credit limit is only $400!! I would never apply for a cc that has an annual fee!! Never!! I called the number on the statement & got disconnected before I could to speak to anyone, this went on several times. I then called another number I had located 18778253242, reached someone who could barely speak English, and after some haggling was able to get the account canceled without any charges. I was unable to receive any kind of verification such as an email stating this other than the man's word and since they lied before, I can only hope this doesn't affect my credit!! My husband had the same problem!! Be aware.

I also have the same grievance as some of the other complaints I've read here. I put in my routing and bank account number to make online payments only to have it rejected for invalid/no account forcing me to make payments over the phone paying the 9.95 processing fee. The first time I had no idea it was rejected and wasn't notified until weeks later that my payment was way overdue. Trying to even log onto my online account was a hassle at times as well. They eventually suspended it and closed my account. I only used my card maybe twice. I was approved for 1200 dollars and thankfully only used about 400 of it so my ending balance was nothing outrageous. What's outrageous is this company's practices and seriously how hard it is to understand the non fluently English speaking associates in their customer service department.

Do not ever agree to work with this company!!! I unfortunately decided to open a credit card with this company. A few months into it, they cancelled my ability to view my account online. This means, I cannot view my account frequently to make sure that it stays correct. I also never use this card. Very seldomly I will charge one or two things, just to help with me credit. Since then, bank account has been wrong many many times, and a few times I have not been able to get it fixed.

I've read a large amount of complaints claiming deception and fraud. I've had this card for two years after a terrible divorce. I've never had problems and the fees are all disclosed. People are complaining about fees and high interest on a card that's giving you a second chance. My limit is now $2500 after starting off with $500 so stop being ungrateful.

I made the mistake of acquiring this credit card to help raise my credit score. I received the card and was going to use it for gas one afternoon. The card was declined. I went on and used another source of payment and called Credit One to see what was going on. They said everything was ok, that they did not understand why my card was declined. I just put the card in purse and never attempted to use it again.

I tried to contact them with numbers provided but they were all automation and could not speak to a person. I have question regarding my account and the automation is very limited to information that I needed.

This is not a credit card from a real company. This is more what you would expect from a LOAN SHARK! Fees and interest charged when the card has been inactive for months! I didn't use my card for over 3 months and was charged $10.63 for "interest on purchases"! I wanted to get out from under them and close the account and destroy the card so I had my balance transferred to my BOA card, and the balance was $587.75 and the transfer was made which should have brought my balance to zero.... but it must have pissed Credit One off and they hit my card with an additional $74 dollars holding me hostage until it was paid. My advice, just don't get a Credit One card. You'll thank me for it later.

First of all, I never open the account with Credit One bank. After 2 month later I got statement to pay. I was shocked and I called right away. And I never open the account and I am not the one who is using so that I request to close the account. They said yes but after one month later someone called me to pay for minimum payment. So I explain what was going on and it should been close for one month before. But account was still open and they let the people using it and they're forcing me to pay off. They said if I don't pay they cannot close account. Now it been 6 month they keep sending me statement. What the **. Now I am doing police report for that **. No one should apply with that company.

The first time the problem was my bank and the # of pmts that could be take from a savings acct - ok my fault. I finally was able to get a checking acct: updated this information on the Credit One website and made a $100 pmt... ONLY FOR IT TO BE RETURNED. They said it was an invalid account LMAO! ALL THE information from the bank name to acct number to routing number are all the same!!! 1995 called they want their technological ignorance back. Also they blocked me from accessing my account online which is a devious way of getting someone into collections thereby attacking my credit... No chance you are doing that. So in turn I would like to ask - How is blocking me from making an online payment helping you? You want $$ and I can't give it to you because of the dinosaur policies you have.

As I read a lot of issue about Credit One by customers it the same problem that I'm going through with their services. I just started at the ending of December 2015, and they're already charging me the annual fees. ( I'm suggesting) My Credit limit is $300 but I only used $225.00. When I got my first bills online it was $303.50. Called the customer service to question about my bill. I didn't get any answer from them but being pressured by making the payment for my bill they couldn't answer my first question and I could barely understand them. I asked to speak with a supervisor. He's already given me a hard time by saying there no supervisor then the lady answer and said she's the supervisor but she was yelling at me already to make a payment for my bill. (I'm not sure if she's the supervisor) So I asked the same question about my bill that still haven't been answer yet and she hung up on me.

I regret getting this card. I went over my credit limit by $7.02. They were calling all the time. Last call was on a Sunday morning at 8 am. I couldn't believe it. For $7.02. I always paid my account on time. But just because of the $7.02, they were hounding me. Beware.

They never said there would be a $75 annual fee on the credit card. It appeared on the first statement. I paid my first bill in full. I'm still being charged interest on purchases daily, even though I pay my balance in full and on time each month. Try getting someone on the phone who speaks English - it'll never happen. And, they're rude and obnoxious when you do get someone on the phone after the automated runaround. I'm paying my balance in full this month and closing the account. They got the fee and recent interest from me, but they won't get another dime.

Charging late fees when none are there and trying to put payments for months prior instead of the current month paid. I was checking on the status of my credit card payment with Credit One Bank and I saw that even though I made the minimum payment required before the due date that I was still charged a $35 late fee. When I called the collections line the lady I spoke to was not able to read my statement as she told me that my credit card was over by $85 when in fact it was only over by 68.42 and that I had to pay $85 to make my account not overdue. And I told them and it clearly showed that the payment was made on time and for the minimum amount. I was then told "Oh no the payment that you made was put for the December payment that you didn't make". I informed the woman that I had indeed made my December payment and that their system did not allow me to look at any of my past statements or payments.

With credit one bank I was late by 3 days and $13 over my limit. In one day I received 12! calls from them. I was unable to answer the calls due to being at work when they called. The next day I paid 4X the minimum amount due and was still being asked to pay more on my account. I told the manager there if this was what they deemed acceptable practices for dealing with their customers I wanted my account closed immediately! Stay away from this company. They are not worth the aggravation they will cause you.

Online payments don't go through forcing you to pay online for $9 fee. When you call they don't speak clear enough to understand. Horrible company. Scam artists.

You will never get an agent in the United States. When I asked for one I was told to hang up and call back, if not she would hang up on me. Stated that all their workers are in other countries, too bad, and just hung up. Good luck getting someone to help you correctly and someone you can understand.

I've had a Credit One charge card for the last 5 years. I received it after my bankruptcy and I have always paid my account on time and over the minimum balance. Over the holidays I was on vacation and made a payment via my smartphone. I attempted to double check what the minimum payment was and was unable to access the online. I made the same payment I had made over the last 3 months which was slightly over the min. payment. However, they had increased the min. payment amount by $13.00. I never received a courtesy but I reviewed my account once I returned and called immediately. They waived the late fee because of my excellent payment history. However, I received a call attempting to collect the full balance as if I were a deadbeat. Once this card is paid off, it will be canceled! You don't treat your customers this way.

I currently have a Credit One Bank Visa card. I have been trying to submit a payment on my online account but have been unsuccessful. I have called the online number only to be told to wait for a call that seems not to be coming. Hence, a whole week has passed since my call for assistance, and no one has called back. :( Credit One Bank has no way of contacting via email, making their customer service poor! The customer service via phone is relatively below poor, clearly unproductive, and unsatisfying to assist a loyal customer since 2013 that all she wants to do is submit a payment online!

I took out a credit card with credit one bank to improve my credit score but come to find out with all the padded fees it's not for people trying to build credit. If anything, it's a setup for you to fail, they have no customer service reps. They only have non-english speaking people taking your social security number to issue high fee credit cards. My account says 300 credit limit, zero balance, but it is suspended. I called, there's no one to take the call, they pass you through to a waiting call which cuts off after a while. Terrible place to do business. Nonsense.

Yesterday I made a payment to Credit One credit card. My husband's debit card was broken, so while awaiting a new one I was paying my acct once a week. On my 3rd payment I was informed that for security purposes they would be making a deposit into my bank acct, and that I must check my bank acct to see what the deposit was for and then inform them before they would post my payment. I called their customer service and asked why all the sudden after taking my payments this way for several months. I was all the sudden a security risk. And I asked if that payment could be recalled and I would use my debit card instead to make the payment. I was told "Too late, basically too bad, so sad." I called bank asking if a deposit from them had been made. Nope. And I'm still checking online, nothing.

I have had my Credit Card hacked three times now in two months by someone on the East Coast (NY, NJ Area), I live in Washington State! Credit One allows CHANGES to the account via telephone without confirming ALL of your personal information. RED FLAG: When someone calls to change their address to across the country and then says they need a new card overnighted to the new address because they lost their card, would you not see this as a Red Flag?? At least CALL OR MAIL a confirmation to the original card holder's phone number or address. The sad part is I told the company to not ever change my address again without written consent or a password for the account, yet it happened TWO more times after the original fraud case.

For years I had trouble obtaining credit and had to rebuild with secured credit cards and annual fees. I was approved for this Credit One card with a $75 annual fee. It has been 3 years and never a missed, or late payment... There is still an annual fee. I have several credit cards now and have greatly improved my credit score. The APR is absurd at 24% for someone with such a good payment history especially considering there is NO OPTION FOR AUTO PAY. That means, if you have 1 incident, or an emergency, or ANYTHING happen at all you better make sure you have WIFI from that hospital bed because you must log in and make your payment! It's really set up for you to fail. I have cut the card up at this point because it's just absurd. There are plenty of other options for reputable secured credit card companies... This is not one of them. Don't give in to the temptation! Do your research and forget this hamster wheel. They are counting on your desperation.

I received an offer for a credit card. It was supposed to be no annual fees and other charges. I took the card because I knew I would be traveling to another state to attend a funeral service. The card had a $500 credit limit, which was perfect. Everything was okay going to the funeral. I paid for two nights of lodging and fuel costs going to the funeral. However, the morning I was leaving to return home, the card was declined, so I called them up to see what the problem was. I was told that I was behind on a payment of $80, I said "what?"

It's 2016. They do not offer any auto payments and there is a 25 dollar late fee for being 48 hrs late. I've made every payment on time with double the minimum amount due for 5 years and my credit line is only at 1700 but both of my Capital One cards are well over 4k a piece and it's only been 3 years.

AVOID THIS COMPANY. Got this card to rebuild credit and help me move money to my kid in another state. BIGGEST rip off artists in the world. If you take a cash advance today and used your total available cash balance, until you repay the ENTIRE debt you can never do another cash advance. Think about it, you can owe this company one dollar, have $999.00 of available credit, but because your balance never hit zero, you are stuck in another state with no means to get cash. If I wanted American Express I would have applied for it. What I hate is that they do not state this is their policy. You have to WAIT for them to mail you a cardholder agreement. Better companies are out there. Somewhere.

Every time I have called their customer service I get someone on the line from a different country who I can't even understand. They suck at customer service and just stick to their script. I called this weekend to see if I could get an old dispute removed from my credit report. They told me it could take 30 to 90 days! They said I could call on Monday and talk to a supervisor to see if I could speed up the process. So I called today and after being transferred like 3 times, I finally speak to a "supervisor". He told me they already received the information and it's going to take a while to complete the process and that calling everyday won't help! I told him they were the ones who told me to try calling back. He was so rude and he could barely speak English himself. I had no problem with Capital One. They faxed a confirmation of the dispute being removed the same day! As soon as this is done, I am closing my account!

I decided to close the account because I wasn't going to use it anymore. So I called. Pressed 1 for english and then 0 two times to get to a representative. It took about a couple minutes for the line to connect. I was asked for some information and what I needed help on. So I told the rep. that I wanted to close my account - he had transferred me to a specialist of some sort. The specialist gave me offers so that I wouldn't close the account - he tried 3 offers (which I refused) before giving up. And then he said that he closed my account. Hopefully it's closed. The whole call was around maybe ten minutes? I didn't experience any rudeness. However, I do wish that they have the option of closing the card during the automated system - like Capitol One does - because then it would make things so much easier.

I am so disgusted with this company. This past year I had three hardships and fell behind on payments. The associates at this company are very unprofessional and make no attempt to try to work with you to bring your account current. I spoke to a supervisor to try to make payment arrangements, which I was informed they do not do. They look for the entire balance up front, have no programs available that will enable the creditor and customer to work together.

Opening the account costs money. There are many other secured credit companies that do the same thing as credit one for free. The late fees are high and the APR, late payment fee and maintenance fees are high. Please read the mailer before accepting the high fee card.

I applied for a Credit One card and was approved. It took over a month to receive the card and two days after I received the card, I received a statement, but hadn't even used the card at that point! Needless to say, I went ahead and decided to make a small purchase (under 40.00). I received another statement reflecting my purchase along with, what I was told, was my annual membership fee. I mailed off the full payment. For the past week I have been getting repeated phone calls from so called representatives saying that my payment was late, that I now have a late fee and practically demanding that I make a payment over the phone on the spot!!!