Credit One Bank Reviews

Credit One Bank is one of the worst credit card companies I've ever dealt with. They take advantage of people who are trying to rebuild their credit with outrageous fees, high-interest rate and $75 annual fee!!! I mistakenly applied for this card thinking it would be a good way to rebuild my credit. Damn was I wrong! You have to pay at least half of the annual fee when you sign up and they charge you a "processing fee" when you try to make your payment, and when you call their customer support they speak with a very heavy accent that's hard to understand. It's ridiculous! I closed my account with them after a few months and got a way better credit card from "Capital One". Don't fall for this "Credit One Bank", sign up with "Capital One" instead.

I applied to this company right before my family and I went to MO to see our son graduate boot camp for the Army that was in May, didn't get the card till after we came back. So we used the card for groceries and such. Well the first payment was right after we got home and it was $25 and I miscalculated the date and it the bank before the due date and was sent back as NSF. Well the following day I made the payment with an extra $$ to cover the fee.... Well after that we decided to put the card away. After that they decided to automatically take out the payments before the due date and each time (2 more) was NSF in the bank so when I found out I automatically made the payment and extra to cover for 2 months this happened. Then I went to see the balance online, I couldn't go back in so I called and they told me that the acct is closed and needed to pay the full amount because of lack of payment... **!!!

I paid my balance in full, only to find that I always have a balance because Bank One charges their annual fee broken in monthly payments. They will not allow a 1 time payment of the annual. Then they assess interest over the monthly payment of the annual fee. I spoke with the supervisor and requested the date to pay the fee, so it will not collect interest. I was told that there is no way to avoid paying the interest on the monthly charge for the annual fee. I was also told that these are the terms and it is take it or leave it. However, if I close the credit card account, my score will decrease. So it is an institutional-legal robbery? What can I do to stop this? Is there a class action suit I can join? There are millions of dollars being charged monthly by these company on interest over a monthly payment of an annual fee because Bank One found the loop to force people into paying this.

I have had my Credit One card now for exactly one year. They only gave me a $500 line of credit and I have never missed a payment. I called a month ago to ask for a credit line increase as I knew I had a big car repair coming. The foreigner on the phone from some third-world country said I was denied and I would get a letter in the mail to tell me why. The letter came and indicated the only reason I DID not get the increase was because my account on this card was not yet one year old.

I think you are a money grubbing credit card company!!! I will pay you the $271.00, and never have anything to do with you. I have overpaid my amount due. Asked for an increase, and was denied. Shame on you!! Will give you bad reviews!!!

I got credit card bill, received it before sent credit card. When activate the card, the bill already due and charge late fee and penalties in to account, and India people call you every hour. Evil company that keep away from it. I want my money that charge late fee and penalty fee.

Honestly, this card was terrible. It just didn't work (despite having an available balance) in numerous places. When I opened the account, the card took over a month to arrive. The service sucks, but their customer service is a nightmare! I called to cancel my card within my one year grace period (after the year, you get an account fee of $99), and the account services representative was practically bribing me to stay with the company. She offered me $25 off my annual membership fee of $99, she offered me a lower APR, she even went as far as to tell me the cancellation would ruin any future job prospects.

I call on June 14 on Sunday, talk to customer service to get help with my online password. She ask me if I want to make a payment. I said, "No I'm online right now. I do that thru my bank. I'm to take me out of electronic statement." I received a letter from CREDIT ONE BANK saying that my payment was return. I check with the bank my payment was posted in June 25. Well cc customer service they never listen. They always smartass. I'm always saying we can do nothing with whoever I was talking. Throw the payment for me because now when I send the payment I sent the payment thru my bank.

DO NOT APPLY FOR A CREDIT ONE CARD!!! I got this card to build my credit rating in order to get a mortgage. There was a yearly fee. I was okay with this. I called to pay my remaining balance and cancel the card after I was able to get approved for a card with no fee. The lady who understood very little English said she did just that. She gave me a confirmation number. Come to find out that confirmation number was just for the payment. Months go by and after speaking to my mortgage rep I find out that my credit score has been dropping because of an outstanding account balance. It gets better. I call to pay my new outstanding balance and cancel again. The lady takes my payment and disconnects me. I call back. After getting transferred 7 times I get disconnected. This happens 6 more times. I ended up having to get an attorney to call WHO ALSO GOT HUNG UP ON! His second attempt was apparently successful. I hope so.

I applied for a credit one bank card to help my credit rating. I signed up for online banking, entered in all of my bank account information and set up a payment a WEEK before my due date. I get 6 calls a day saying that my account is past due, and funds have been returned. When I called the company to make a payment over the phone, they inform me that there is a $9.63 "standard processing fee", but they charge that for express pay. I told them I do not want express pay, just standard, and they told me that I must pay that fee regardless. If I wanted my funds available in 24 hours, I would pay the fee, but I don't, so why must I pay that fee? They constantly bother me about making payments, but when I try to, it's like they tack on all of these fees! Absolutely the WORST company I have ever dealt with! I am considering reporting them for fraud!

Aug 29th 2015 I called into Credit One Bank to discuss my payment and let them know that I'm going through a divorce... The lady was very rude. Over talked me. I just wanted to know what options I had for being 2 months late on my account and wanted to catch it up. I have a Discover and Capital One card and they have programs to help you get caught up... Not Credit One Bank. You can barely understand what they are saying. And it's either you pay or your account will be closed and go to collection.

Customer Service is not processing my request to have a fax sent showing I have a zero balance to my mortgage company!!! I have had the worst experience with Credit One Bank. I am currently in the process of purchasing a home. So I paid all my credit cards in full... One of those cards is with Credit One Bank. I have been a wonderful customer to them since I have been with the company. Making on-time payments and asking them for nothing. So when I called in to request a letter be faxed to my mortgage company showing I had zero balance on the account, I didn't think I would run into any issues. But BOY DID I!?! I paid the account in full on Aug 13. I called to request a fax be sent to my mortgage company on Aug 18 at 1:12 pm ES... I spoke with a representative who told me the fax could be sent in 24-48 hours...

I have never missed a payment and now I am in a hardship, I call to ask if they have a hardship program and they tell me no and immediately transfer me to someone to take a payment even after I tell them I couldn't make the payment. They will not help out in anyway and the only thing I can do is close the account or get into thousands of dollars worth of debt with them and kill my credit because they will not help me out! They only care if you make a payment and if you try and ask for help they tell you no.

I had a Credit One Bank card to repair my credit. I had it for at least 5 years and paid the balance off every month. If I was unable to completely pay off the balance, I at least tripled my payment to help re-build my credit. I was able to do so and opened a Rewards card at my bank with a high limit. I paid off the Credit One Bank card and had a zero balance... or so I thought. They changed my annual fee to be a "monthly fee" instead of an annual fee. Thinking I had a zero balance, I got a call from a representative that stated I had a late fee on my annual fee. They supposedly waived the late fee if I paid the annual fee which I did.

Unable to obtain reply from customer service. Wrote letter and phone calls stating the account has been compromised. Unable to withdrawal funds ATM, refuse to honor disputed posting of service. I did not request. The account was great for a while now this time to pay up and move on.

Everything was fine for me with this card and making my payments monthly and online access, etc., but after paying off my entire balance and wanting to close the account, that was another story. Nowhere on their website is there information regarding closing an account, at least I didn't find any, so you have to call them. They have limited business hours for which you can call and speak to a representative, which I guess shouldn't surprise me, but did.

I attempted to make a payment via my savings account. I, however, placed my customer number at my bank into their system instead of my account number which caused the payment to be returned as a non-valid account. Unfortunately, my bank would not issue a statement on their letterhead to verify that my saving account with them (since 2007), was valid. My account, therefore, was closed by Credit One, not taking into account that particular payment was one of two payments that I made (I made a payment from another account that went through fine). The representative and supervisors have been extremely rude and unwilling to work with me to help with an alternative solutions for this issues. I'm really very disappointment with this, as this credit card was an attempt to re-build my credit.

I have never in all my years of living had to go through the hell that Credit One Bank put me through. I am a man of responsibility, I have a full time job, and I always made my payments. I was late one payment because the due date fell on a non-payment work week. I notified customer service and spoke to a supervisor who waived the fees, and let me know as long as the payment was made before next month I should be fine. A few days later, not even a month before my due date, I got a call from in-house collections harassing me saying I need to make a payment now, refusing to hang up unless I pay.

I applied to this card knowing exactly what I was getting into. I read everything on the letter they sent and also went on their website. With that being said, I was aware of the $76 annual fee and also all the other fine print. I am also aware of the payment taking 5 days before reflecting on my account and if I need credit faster there's a $10 fee. Remember that you're signing up for a credit card that is trying to help you out because of your credit score. They're taking a risk with giving you a line of credit so they have to secure some type of money right off the bat. If you don't like it then try applying to AMEX (which, after making my payments in time with this card, I was able to get). I don't this card much. But I still keep it open. This is a good card and I always make my payments on time and I've never EVER had a problem with them. Just remember that there is an annual fee.

As a Divorced Woman, I destroyed my credit for around 2 years. I have remarried and my life has stabilized. In order to build my credit up, I accepted an offer for $400 credit from Credit One Bank thinking I would be able to rebuild my credit score. At no time would I have accepted this offer if their ridiculous $75 annual fee on a $400 line of credit was disclosed. It was not. When I called customer service and questioned them about the outrageous fees, the agent was non-caring, non-responsive and did not offer one iota of resolution. What a bait and switch company. I have the means now to pay them off, which I will do and cancel them pronto. In effect, that will actually hurt my credit. These folks need to be investigated for fraud and put out of business. I will also file a BBB report and also file a complaint with the Attorney General in my State. Whatever you do, DO NOT DO BUSINESS WITH CAPITAL ONE. Learn from my mistake, these people are criminals.

08-19-2015 Credit One Bank mailed postage and fees letter. 08-25-2015 I called Credit One Bank at 1-877-825-3242 and a female voice, which I couldn't make of due to her speech, about my application not in fullness & monthly income. It felt like bad karma...

They misinform about everything. Each person try to cover up the lies they tell to get you the card, then you can pay them. They still harassing me, calling so many times all times of day and even in the night. I cancelled them, they still calling me. I advise you all just don't Trust them. Lies.

I would have given zero stars but it made select one. I have been charged an ANNUAL FEE every month of $8.25. An annual fee is supposed to be a yearly fee not a monthly fee. That is what they are charging me and I'm sure other customers are being charged this fee wrongly. This card hasn't been used and I keep it for emergencies only! I got a statement today that my payment is past due. Impossible I think. I go online to my account and whammo there it is, my annual fee (I mean my monthly fee, of which I had no idea that I was even being charged). Ridiculous.

I called because I had a double charge from Macy's on my card and I wanted the second charge which was obviously a mistake removed. The customer service agent who barely speaks English told me I would have to go to the merchant to have the charge removed! So I am just supposed to walk into Macy's and do what exactly? A merchant who processes thousands of transactions a day! I threatened to close my card and they removed the charge and waived some fees. I hate this card company. As soon as I pay off my balance I am closing the account!

My account was charged a $19 fee and I called Credit One customer service. The CSR was a foreigner and talked so fast I had to have what he said repeated. He said I called two days before and added a user to my account so they charged a fee. I asked him whose name I added and he said I had to tell them first. This never happened as my card is maxed out and I can't use it. They offered to increase my credit limit for a $24.99 fee! This credit card company is horrible and I don't trust them. Furthermore I closed the account, that's how bad this company is, even though it might lower my credit score.

As I am reading all the negative reviews on Credit One credit card I am a bit taken back. When YOU apply for the card either thru a mail offer you received or online application it VERY clearly states all the fees and interest rates in black and white. I read all kinds of complaints about the $9.95 they charge for express payment, which is also stated in their disclosures. They also state the fee of $6.95 if you want a designer card. Why would anyone wait till the last day or so to pay? This card is for people with bad credit so they are taking a risk on even giving it to you and then you want to complain of a fee for paying on the day it is due? You need to pay your bill when it is received. It's pretty clear that most people complaining on this probably should not have a credit card at all.

I find it quite amusing reading all of these negative comments about Credit One. First of all, of course there's going to be annual fees and higher interest involved. This credit card is helping you repair your credit, which you screwed up yourself. If you're getting offers for this card, good luck getting approved with a bigger name card that doesn't have an annual fee.

This is by far the worst credit card on the market. They accepted my online payments in full paying off all charges, then denied the payments and canceled my card. They took the payments from my bank account and then said they didn't receive them, they closed my account and then proceeded to keep charging for the card. Calling me every day and sometimes just hanging up, no one speaks English well and finally got them to takes the fees and fines away and just don't use this card. They are horrible.

Stay away. This card is not worth the fees. I charged $6 my first and only charge. I was later assessed $54.00 in fees 7 days later and harassed. Know the FDCPA and FCRA. This card is a rip off to consumers narrowly skating around the law. A get rich quick scheme for the owner. Kudos, you found a way to rob me without ever meeting me.

I apply for my first credit card and get an approval from Credit One. Worst mistake of my life. Five months later I see that my card has been paid off. I call into their customer service and explain the problem and they tell me not to worry about it - look at it as a gift. Two days later I call back because my card had been charged for something I didn't do. I call in and they tell me about the charges at Walmart the day after the card was paid off. I hadn't used the card in over a month. I'm not getting angrier and angrier with the person on the other end and end up closing the account and telling to start a fraud investigation.

This is the ABSOLUTE worst credit company I've ever dealt with in my life and I have multiple accounts with other companies. My bill is always due on the 15th, which is when I choose to pay it online and that's never been an issue. The 15th of August I received a call saying that I owed on my account, which I already knew about and I told the woman that I was planning to pay it online that day (this was VERY early in the morning). The woman refused to let me off the phone until I agreed to make a payment. She asked for $25 but I knew the bill was $75 so she compromised and agreed to $50 (what reputable company even does that especially when I'm intending to pay $75+).

Every month 3-4 days before my payment is due, this company calls "as a courtesy" to inform me that my payment has not been received and "how would I like to pay today?" When I inform them that payment has been made and that I will not be making an additional payment, they get pushy. They argue with me and then refer me to the supervisor. I've taken to stating my intentions very clearly including that I understand any ramifications of a late payment but still they push. They misrepresent themselves, neglect to tell you that they will add processing fees to any payment made over the phone, prey on those trying to rebuild. They do not listen to their customers, they stick to their scripts to the extreme. One more payment and the account is closed.

Accepted invitation for credit card. Thought it was Capital One. Upon receipt and activation realized it was Credit One. Called to cancel, was told I couldn't cancelled until I paid the 75.00 fee and 6.99 fee already passed, even though I never used the card. I tried to cancelled this card on three occasions. Finally in the third try a non-English speaking person told me it was cancelled and verified that I owe nothing. But I know I will have to watch them and my bank account. I paid 81.25 for the lesson. I hope they don't mess up what I am trying to repair.

I always reads up on things before I apply. Only 1 month after being discharge from BK I received a invitation for Credit One, Discover and Capital One. I applied for the 2 most popular Discover and Cap1 both denied me. I was hesitate to apply for Credit1 because of the reviews. I was desperate to get my credit back on track so I applied 2 months later. WA-LAH! Approved for $400. Used less than 50% of my available credit and paid my bill on time in full and received a $200 automatic increase in one month and a half! Yes they charge outrageous fees and charge 9.95 to pay your bill that just comes with poor credit. I've never had an issue that I had to call them so I don't know how customer service is. BUT SO FAR SO GOOD!

I've been a Credit One customer since July 12, 2015 with an opening credit line of 300 dollars. I've made "large" payments but still haven't managed to pay off the entire. I'm a spender with three children and school coming up. I've managed to now have maxed the card out. I do enjoy making payments with this card with so many ways to pay and Credit One always updating and posting available funds and recent activity. They are an awesome company. No other card have I experienced such on time on point account service.

Checked my credit history with Credit One only to find a charge for an airline ticket for $301.74 to Nevada that I did not make. Immediately called Credit One to inform them of the fraud. Account was closed and now I can't get online to make a payment or see my history because it's closed. They transferred the balance that includes the fraudulent airfare to my new credit card number, now I can't prove that it even existed because it is lumped into the new balance. I'm informed they are working on it. I asked how did this happen that I have to give my last four digits of my social security number to their automated system, they say I must have given out that info.

These people will call you 5 to 10 times a day before the date of the bill is EVEN due! They are breaking the FDCPA laws and charging ridiculous charges on the card. And when you do pay them they charge you an extra $10 onto that bill. Please beware. This company should go out of business.

So I applied for a credit card from Credit One Bank but I was not planning on using it. I got the card after several weeks of applying for it. Today, a week after I received the card (not activated yet), I got a bill saying that I have an annual fee of $75 to pay and so I called and the lady said I don't have to worry about paying it as long as I don't activate the card but I am not satisfied. But I said, "I want to close the account." She did not want me to and so I called again to cancel but it seemed that they did not know what to do and they hang up on me! They are so rude!!! Why do companies support this bank who wants to scam people? I hope the authorities will somehow take an action about this.

I have received a solicitation to apply for credit card with Credit One bank, which I was approved for. All the monthly payments I make toward that credit card are like getting an overdrawn. Every time I complain their answers are either I make late my payments or I don't make sufficient amounts. Late and annual fees are applied. Those late and annual fees are used every months. I always pay on time and more than the minimum monthly payments. They all speak with an accent to Indian people from Asia. I need a class action.

I was a bit skeptic about signing up for this card based on bad reviews. But it did not deter me. I gave them a chance, quite frankly I am completely happy. You borrow funds, you pay it back - plain and simple and you won't have any issues. To the people who complain, be responsible and pay back what is owed on time. That's it! Credit One rocks!!!

I read all the reviews after I received my card. Then they wanted a 75.00 fee, and charged also for the design (which is not mentioned that there would be a charge for that) which is taken off the balance of the card. They do not have my banking information or anything due to the fact that I was not going to use them after reading the reviews. Now they charged me for the 75.00, 1.25 interest, 25.00 late fee and a false charge of 15.55... First of all I never initiated card. They do not have my banking information either. What cc company would let anyone use a cc without their banking information?

I applied for the Credit One Bank Card, received it in the mail. There was a deadline for activating it, my limit was $300. I missed the activation deadline - I never activated it. Month later I receive this bill with a $75 Annual fee And a due date of 8/03. I thought it was strange since I hadn't activated it nonetheless I didn't want any trouble for not paying it so I placed the bill in my bag to remind myself to pay it. Due date was 8/3/15 and I realized I hadn't paid it yet on 8/5 so I got online and paid the $75 plus $25 late fee plus $9.95 express pay fee total $109.95 and I haven't even used it!

I applied for the Credit One Bank credit card in July 15, was approved and got the card in the mail. The card already had a balance on it for the annual usage amount, which wasn't a big deal to me, but I have used the card, and have tried to make 2 payments and getting ready to try and make the 3rd payment. After each payment gets posted to my account it then tells me about 5 days later payment returned. I have to call the lost and stolen 800 number to even get someone and they keep telling me to verify my account, and each time I have done this and now it is getting close to my due date and they have all my bank account information and I am afraid they are going to take out monies that isn't due them.

If I could give zero stars, I would. My card had fraudulent charges while it was in my wallet. I called when I noticed the first charge on my statement. The customer service representative I spoke to asked if I was in Miami and used my card that day at Hilton... I told her "no, I live in Chicago and am obviously reporting fraudulent charges... HELLO." I don't know why this additional charge showed up on my account and there was no fraud alert.

I am a long time card holder with Credit One Bank. I've been with the company for over seven years. I have made every single payment on time. It wasn't until this year I suffered a loss of my baby and had surgery I fell behind in a few payments. I called Credit One to see what I could do to get back on track. They told me about the re-age program which helped to lower my minimum payment.

I have never missed a payment, abided by all they have requested and seems to me that they take advantage of people with poor or little credit to make money for themselves and no benefits to the customer.

I applied for a credit card and about two weeks after I received a letter asking for a copy of my driver's license, Social Security Card and a current W2. Pretty much all you need to create a new person and steal my identity. There is no way in hell will I or should anyone provide hard copies of this information. In this day and age this is absolutely a ridiculous request from anyone. I have no idea of knowing who will receive my information, who will view it and where it will end up. I spoke with a support person who was attempting in some form of English to communicate with me. Long story short, I'll be cancelling my request for a card from this scam of a company. Don't do business with them and never provide the information they requested to anyone.

I received my first statement - first statement ever after activating my card - and there was a late fee on it. How could there be a late fee? I haven't used it and had just activated my card. Was told I had to pay the fees before I could cancel the card. I explained that I was not going to do such a thing. Sent check and paid statement. Waiting for the next statement and it still hasn't arrived. STAY AWAY - STAY FAR FAR AWAY FROM THESE THIEVES!

Every time I call these people I can never get an American or someone who can speak complete English! I scream at these guys every time I call in my payments! Me and my husband are paying our accounts off & we are so done with this! I would never recommend this credit card company to anyone!

First of all you only receive the card with $199.00. They take away $100 in advance based on annual APR and some other charges they want to add, and even though you have to pay $100 you haven't spend they take interest on every payment you made, customer service is ok. They answer the phone in about 3 to 5 mins but their explanation is poor and sometimes you can badly understand the English they talking... unless you don't have a choice pls DON'T TAKE THIS CARD, it's AWFUL!!!

I went to make a payment and look at my statement and could not get into my account. I call and they said I was locked out because my payment was sent back from my bank. This could not be true because I had plenty of money in the bank. They charge me late fees and closed the account. I have no way of seeing my statement and requested that they mail me a statement but never have. I don't know how much I owe nor do I know what they are charging.

My mother was out of town from July 22-30th on a vacation with her granddaughter. While she was gone, a CC was sent to her that she had applied for the first week of June. In the weeks prior to her vacation she did not receive a letter of approval or denial. While she was gone, her community mail box was broken into. It wasn't until she received a statement that she knew the CC was stolen. Immediately she contacted them to cancel the card that it had been stolen. The thieves have been able to charge $200 over her limit. They tell her she is responsible for charges because they were done in her area! Why is this company allowed to be in business???

Got a letter in the mail saying I've been pre-approved for 1500. I didn't need the money and this was no surprise. I have good credit but I figured a extra 1500 couldn't hurt plus it'll only boost my credit so I apply online then it says I've only got approved for 300. Okay cool. Also I added my son as a authorized user so 3-4 days I got confirmation my cards would be sent out. Maybe 2 weeks later I finally received them so I started using it and it got declined the second day I made a online account and realized these ** had already used the first 100 for me. They took the 75 annual fee out the 20 dollar authorized user fee and the 7 dollars for getting the black card. So I understood that and maxed it out at 300 then I paid the first bill immediately for 300.

I was about to make a payment on 8/8/15 and say that I had a transaction fee of 23.44 and it was not linked to a merchant. I called the number on the card to get an explanation and was transferred 5 times and then hung up on because no one had an answer for the fee. I called back and asked for a supervisor and she left me on hold for 10 minutes and came back and said she doesn't know where the fee is coming from and needed to investigate the fee and call back. I told her no I wanted the fee reversed now and that I would stay on the phone until she got me an answer. She said she see that the fee is not associated with a merchant and placed me back on hold.

I called customer service last month to close my account after I paid the entire balance. Called them twice just to verify if my account was really closed on two occasion. Both of the reps said yes, then I get an email with the account balance stating I owe $6.95 for interest. How are they charging me interest if my card is closed? Credit One sucks. Poor service, poor customer service.

All sorts of BS. Never seen a website that makes you input your whole social security #. Very creepy, for identity thief. This company needs to be shut down. I imagine they also steal other credit card numbers when you give them one to pay balance. If you pay by phone then they charge you high fee of $9.95. Also would rather give to an automated system not to a personnel who could be keeping my other cc #. Just by activating the card I was charged 81.95. This is not upfront disclosed. I could not even find it in their small print disclosure.

I just recently repaired my credit after 10 long years and began receiving a flow of credit card offers from Capital One with excellent benefits, limited fees, and low minimum monthly payments. Then one day I accepted a credit card offer and later realized that it was NOT a Capital One card but a Credit One card designed to look like Capital One at first glance.

Received a call while I am at work this morning from this card asking me to pay them at once... I said I already paid $25 thru mail but they insisted that I pay them $108! Then the girl who I initially I was talking to passed the phone to her alleged supervisor... Same thing - he insisted that I pay the whole amount. OMG. Would you believe my due date is still on the 21st of this month, and they are already asking for their money. So I ended up hanging up the phone because I am in the middle of my work.

Inquiry was about a credit card that rejected. Every number I called required that I give my ss # first by automated and from customer service I requested your security and fraud department and was told that I must give my ss # first. You are not a legitimate company but a fraudulent company asking for ss #.

I called on Saturday. I lost my job. I explained that I needed 3 weeks to get check and didn't want my credit score affected because of a transition in jobs. I pay the insurance in case this happens each month but was told that I didn't need to fill out form because I already have another job and it would not pay. I thought that it was taken care of after the representative was asked by me, the client, to document said conversation to avoid being bothered. He even told me he ever the late fee and no one would contact me and I could pay when I got my first check. Wrong. I spoke with a pushy and rude foreigner who Demanded I give card information from my bank to pay this fee.

I'm fairly new to this card. I am absolutely astounded at how many reviews are blaming this company for their own financial irresponsibility. If you wait until the due date, you pay the express fee. That's your fault. The dashboard is extremely simple to use. You have two options: 1. Express pay $9.95 or 2. Free in 2 business days. What's the problem? Pay before the due date and it's free. Pay your bill in full every month, no interest. Most of these reviews are people complaining about late charges and the express fee. These are things solely under the power of the borrower.

Where do I begin? This is the first time I am so upset with a credit card company. I have multiple credit cards, I am always on time with my payments 100%. I have always had high credit scores for the past 7 yrs. I accepted this card thinking it was a card from the real bank CAPITAL ONE. When I realized it was not Capital One I called to cancel it and because I found out I have to pay a $75 yearly fee. I don't need a secured card because of my credit score being in the 700ds. When I call to cancel that's when they told me I have a balance from a couple of local shops. I never used the card. How is that possible?

I received a pre approved letter for a Visa with Credit One Bank. Accessed online and entered the confirmation code. After a few seconds I got denied, because they say that I already have a credit card with them, which is not true! They asked for my Soc sec # when I called back, and when I ask for an explanation on this matter, they hung up on me! I am concerned about identity fraud!

This company needs to be shut down and made to pay a settlement for the way they are fraudulently abusing consumers. I thought they were Capital One so went ahead and signed up for the credit card. Everything was okay until I immediately opened my account to see how much credit I had been given and was very surprised to see that there was a 90.00 fee already added to the card. I knew right away that this was not Capital One, but Credit One Bank. So I decided to use the card and just pay it off immediately and close the account. I went to the website to pay on the card and my username and password no longer work. I called and they said that my account had been shut down. I asked why? She said maybe my browser was wrong or I needed to be on a laptop. I said that don't make sense because I am using a laptop.

After contacting this company after experiencing and was unable to make my payment they told me it was nothing they can do unless my account is delinquent. I contact them after the account was delinquent which assessed a late, they did absolutely nothing. Today I received a call that they filed a judgement against me. Are you serious!!!

The company charges $8.33 per month annual fee's. With a card limit of $1500 and regardless if you use the card or not. In fairness I had no real challenges with the customer service except that they tried to upsell me so as not to cancel the account. I had to ask 5 times to cancel before they finally agreed to do so.

When I first open this credit card I picture though it was going to be good with their rewards and stuff, but when they try to charge with fees and stuff that is when it became horrible to have this card. Customer service was the worst. They didn't really help you and they was disrespectful, even the manager was disrespectful. I wouldn't recommend this credit card to nobody.

This company is a scam! They charge 27% interest on your monthly balance even though you pay it off in full! This is a daily interest rate. They charged me $35 late fees even though they never sent me my balance either by mail or email! I got them to reverse the late fees and asked them to send me the credit balance (I paid off my balance) of $35. They said they would mail me a check and 2 weeks later I called and they said they mailed out the check and it could take 7-9 business days.

I am working on building and upgrading my credit. I already have one card that I'm using very carefully to that end. Soon enough, I started getting offers in the mail, but I wasn't ready for another card yet. Last month, June 2015, I received an unsolicited offer from Credit One, although I didn't realize it at first because their logo looks quite similar to Capital One at a quick glance. I looked it over and still didn't want another card, so it went in the trash. You can imagine how irritated I was when two envelopes down I find a bill for the card for which I had just tossed the offer. That's right, the same day. Needless to say, after chuckling at their confidence or audacity in simply assuming their offer would be accepted, I tossed said bill in the trash. After all, I had never signed anything, nor been issued a card to have had an opportunity to use it.

I had a $1500 limit on my card which was up to $1200. They allowed someone to charge an additional $2000 and change my mailing address. When I called them they told me I had to file a police report which I did but I'm still having ongoing issues with this! Then they had the nerve to ask me if I wanted to activate a new card. What a joke. Worst co ever!!!

I called to make payment arrangements on 7/24/15. The young lady told me just to make my payment on the next due date of 8/19. I repeated the information she gave me and thought everything was ok...wrong! I receive a call today saying I was delinquent. I explained to the gentleman that I had made payment arrangements on 7/24. I relayed to him the arrangements. My explanations fell on deaf ears.

Worst credit card and customer service! Impossible to deal with! Online banking DOES NOT work! I have to call EVERY month to request paper statements to pay my bill because all of a sudden I stopped receiving them and then I was told to contact the postal service!? Yet I received paper statements before??? What?? And on top of that I've been charged over 100 dollars in fees!! This card is the biggest headache. I have never had to deal with such hassle with any other credit cards. Very disappointed. I just want paper statements!!! Is that so much to ask!? What is the problem here??? Beyond fed up. Something isn't right here.

I had a bad divorce (who really has a great one?) and had very bad credit afterwards. I received an offer from Credit One and really needed a card so I took it. A few years later I opened the account. I was over the limit and they called me at my workplace to collect. I NEVER SUPPLIED MY WORK PHONE NUMBER TO THEM. That call arrived today, and I have decided to pay it off and close the account ASAP.

I have had problems with Credit One Bank since I opened an account. They always call and harass me after I make a payment. They call and tell me my payment did not go through and "We will make the payment today over the phone for $10." I told them "No I'm not paying you $10 for a payment I made before my due date." Then this foreign person tells me that I can't hardly understand that the information they have for my checking account is wrong so they added a $29 fee. Also they want two months of payments - the one I already paid 5 days ago and August. I told them no again. "You're only getting the payment I set up 5 days ago and that's it."

I had Credit One Bank almost 2 years and payments perfect so far. On Nov 2014, I was on vacation and made a payment online. I looked at my bank account and missed one wasn't taken by Credit One Bank. This is my third attempted as 2nd time on July 2015. Pay online, explained not clear to understood. I don't think Credit One Bank went to my bank... I don't know. I was so shocked. They charged me $125 and closed my account without a reason. WTH? I don't owed $125 and never requested to cancel my account (I'd loved to). But, I don't really what's happened to my current or former Credit One Bank. Hey Credit One Bank ** YOU! Please do not apply Credit One Bank or Credit Karma (other credit cards). That's so sad... Smh.

I have discovered on my recent Experian credit report that Credit One Bank has been requesting my credit report monthly beginning January 1, 2015. There is absolutely no reason they should be looking my credit report since I pay for everything with cash and do not have any form of credit. I have not applied for any form of credit from any company they may be associated with. I feel that they have violated my privacy and are stalking me. This is totally inappropriate behavior and I am enraged by their behavior.

Received my card on Monday, got a bill on following Monday for all the charges I was not aware of. Also charging you for an extra card of 20.00 per year. But the worst is when you go to contact them and they don't allow emails because they are not secure. WTH, if you go thru your account it is secure. I had to call the many different numbers and they are all automated. Finally had to call lost or stolen to ask to cancel and that was the worst experience I have ever had. DO NOT get this card.

I was becoming very ill and had my mother make a payment online for me and she made the mistake and processing the payment on the Credit One's site instead of my online banking account to avoid late fee. My mother is not very mindful and did not check to make sure my banking information was correct and processed the payment twice as she forgot she did it the first time. Unfortunately for me it was on an account I haven't had for years and I notified this to the customer service representative. They understood that I no longer had that account from Chase and all I needed to do is mail them a copy of my current bank verification (included my savings account information) and it would take about 2 to 3 weeks to review and they would reopen my account.

This is the worst company ever!! They charge you hidden fees, the customer service representatives are rude, stupid, and half don't speak English! They charge to a fee to make a payment, they charge you a fee, which I did not know about signing up for the card. In addition, they make you pay a month in advance! As soon as I pay off this card, I will cancel this card! The worst I have ever had!

The company is a scam. They offer you credit increases because of your credit worthiness, but to get the increase, they charge you a 19.95 fee. When I mail my checks through the mail, they never seem to receive the payment, putting my account in a past due status. When you get through, it's like talking to a wall. This company needs to be investigated because either it's incompetent or they are holding back payments on purpose to increase late fees and so forth.

CREDIT ONE BANK. These Filthy Scammers that does not deserve to be referred as Credit One Bank. I can only ASK "What Bank? A BANK of SCUMS!" Well after a pause I think that what these FILTHY SCAMMERS deserve is for a WARRANT TO BE ISSUED FOR THE ARREST OF THE SCUMS hiding Behind the Umbrella in this case THE SKIRT of CREDIT ONE BANK and for the privilege of carrying such Brand Name to be bestowed to an Entity or Entities that have earned the merit to be Addressed as Credit One Bank. Not these Scammers That sent me an invitation by mail inviting me to try their credit card without any fee then as normally I went to their site and after going over all the Information on the Mail and reading over the policies I signed up.

In late 2013, I established a Credit One Bank credit card account based on the offered credit limit and terms. The very day I received notification that my account was active, I realized that the credit limit that was established ($200 - $300) was much lower than what was advertised. Initially, when the account was established, a balance of $45 was charged against my account as an administration fee. I immediately called the bank, spoke with a customer service representative and insisted that the bank close my account and waive any and all fees that have or will be charged against the account. The representative attempted to defer the cancellation, but with my insistence, she assured me that the account had been cancelled and no fee will be charged against the account.

This company stated that I made fraudulent payment, never told me the name or anything just close my acct. I made payment one time using a prepaid card where as I kept my payments up. Bad bad bad company. Please don't do business with them. Never help at all. Bad bad. Address P.O. Box 98873 Las Vegas Nevada.

I made a payment July 18 2015 for the full amount 81.96. My bank paid them from checking account July 21th Credit One Bank has no record but contacted my bank for the payment and Citibank has proof that they accepted the money. Yet they say it was not done. Told to call back in 15 days. They will decide the problem then. Is that good service. They say it is my problem not theirs. Still they took the money and they are asking for full payment now. They have the money already. They wanted data update which I had to pay $25. I did it in good faith. That payment shows up in the records and have the payment. The first payment is somewhere? They refuse to check their records to solve the problem. They say it is my job and problem. VERY POOR SERVICE.

I received a Credit One credit card and I only used it one time. I have been billed every month since I received it. I tore up the credit card and sent it back to your Las Vegas, Nevada location but you all kept billing me. I have been assessed a fee EVERY month. According to my last statement I owe $604.19 from fees. No one from your company has contacted me to try to resolve my problem. I have contacted the Better Business Bureau about this situation. I will NEVER do business with Credit One Bank.

The company is horrible. They close my account due to one payment being cancelled from fraudulent activity on my debit card used for payment. No notice nothing, horrible company!!!

I tried to use my credit card twice with a credit of $220.00 available, and was denied. I cannot find a number to call to talk to a human. I am mad to say the least!

This company is ridiculous! They make you pay 10.00 to be able to make a same day payment to your account bill. I can't always pay in advance. Most of the time I have to wait until the actual due date of my bill to be able to make the monthly payment. When I try to pay with the regular payment service, it never or won't clear that same day even if you pay in the morning PST! Only credit card I have where you can't pay same day and have it credited to your account. I have closed my account and will never go back ever!

I'm up in the air about this card thus far. I understand the high fees and all and figure that if I use the card responsibly, it should help me rebuild my credit. The issue, however, is that I have not received the card as yet. I was approved for the card about a month and a half ago and was told that it would take seven to 10 business days for me to receive it. The card didn't come, so I called and they cancelled the first card and sent out a second card. They also updated my address so that instead of coming to my home, it would go to my PO Box. That was just about 10 days ago. Well, the card still isn't here.

They literally stole 570$ from my account! Each time I try to call to find out how they got this money out of my non-Credit One bank account, they hang up on me. I'm trying to recover the money via dispute with my bank. I never applied with them! I have no clue how they got my info or my money! Horrible criminal enterprise!

I called on the 20th advising Credit One that I would be 5 days late on my payment due to unexpected problems. I asked if they would be willing to waive the 25.00 late fee that would be incurred and she told me they could do that after I made my payment, since as of the 20th... no late payment had yet been added to my account. Yesterday, I received a call from the same number that appeared on my phone today only yesterday, when I answered the call... no one responded on the other end. Today, another call from that number and when I answered a representative from Credit One confirmed my name and then went on to say I was late on my payment. I told him I had called 2 days ago and told them I would be late on my payment and reiterated that the payment would be made on the 25th.

Credit One Bank spoke with my husband for me to be added to the account to make decisions. I called back and after being put on hold for 35 minutes they told me I needed to be power of attorney to make decisions on OUR account. They charge monthly if you don't use the account, yearly to have the account AND to have a credit increase. Worst of all I asked to speak with someone that speaks proper English so we can understand each other better. Being that this company is based in the USA you would think they would have someone that fits the American description, but they do not! Very frustrating. By far the worst credit card company EVER!

The customer service reps do not hardly speak any English. Completely incompetent. I regret going through a company like this because they are rude and refused to help me with my credit card issues I was addressing. As soon as I get a new credit company to work with I will be canceling my relationship with this company. Completely appalled and hung up the phone feeling disrespected.

I checked online for reviews for Credit One tonight because when I checked Credit One's website, I am being charged a late fee and a payment I made online on their website doesn't even show that I made that payment. This is the second month that this has happened to me. And it just seemed fishy to me. Sure enough, I see that others have had this same kind of experience. I made payments on the same day to a few other of my credit cards and they have posted with no problem. I, like so many others, called in last month about my payment and talked to people with broken english. That was annoying!

I was sent an email saying my credit card may have been compromised and a new one was being sent. They cancelled the old card but mailed the new card to the incorrect address. When I went online to make my payment I had forgot my password but couldn't get a new one since I didn't have the new card number. I contacted them and explained I hadn't received the card and found out about the address error. They told me another card would be sent out and would have time to make payment.

My credit card was declined when I tried to make an ATM withdrawal and cash advance from PNC Bank. I called Credit One to see what the problem was. I spoke to 3 customer service reps and a manager (Jennifer **) who nonchalantly told me that I would have to wait 24-48 hours for the issue to be corrected and someone would call me back to let me know the card was ready to be used again. When I asked what the issue was, I received different answers, one of them being that PNC Bank is a "risky merchant".

They keep billing you for annual fees so many times and it's fraud and customer service they don't speak good English. I think the government need to bust them for their illegal ripping off people. Be careful people to get or apply for credit card from credit one bank. Simply they are thieves.

Disgusting, disgusting... DO NOT TAKE A CARD WITH THESE PEOPLE... I honestly believe this company is a scam... words cannot express my feelings... smh... been stuck at the airport for a day because Credit One didn't authorize my transactions... called multiple times and received a different response from each person I spoke to... one even laughed at my frustration... I can't wait to cancel this card... they don't deserve any ** stars.

Sub-par policy. Shut my account down after 2 payment cycles. There was a typographical error made when inputting my payment information. When I realized the payment didn't go through I re-entered the correct information before a late charge was assessed. Despite this, Credit One blocked online access to my account and accelerated my entire balance due without so much as a phone call. I only had the card 2 months so paying off the balance was the simplest remedy to have this company out of my life. They even have the nerve to continue to send offers! I would not recommend this product to anyone.

When I applied - I thought I was applying for Capital One since I get a lot of their pre-approval letters. I later received the response from the application that it wasn't approved because of an altered last name. Obviously if you give your social security.... they should be able to see that my married legal last name is **. I then called customer service and such HORRIBLE customer service!! I dealt with some poor customer service but these guys were beyond poor service. You call and you put in your SSN and postal code on your dial pad and then when Customer Care answered- he asked me again for my social when I thought I had already put that in. Told him why would they reject an application due to altered last name? He said they would leave it on file for further review when the letter clearly states that they can't approve my application at this time. That is when I noticed it wasn't Capital One since I had another letter from them in front of me.

Just got my credit card yesterday only to find out today after signing up to their website, I OWE $82!! And I haven't spent anything on it. I called to close my account right away. What a bunch of crooks.

Credit one bank would not take off the 100.00 fee that was their mistake and would not let up with the phone calls even after I closed my account. They are a very bad company and can't speak a word of English. Look in to that company and its books they are in question. Thank you.

I accepted the offer of a Visa Card... Their logo is identical to Capital One cards which is what I thought I was accepting a Visa card from. When I received the Credit One Visa the logo still looked like Capital One Visa. I am a senior citizen and my vision isn't all that great (especially at night, so I do not drive after dark). A few weeks after I received the card I decided to fill up my car with gas & when I received my first statement a week later, I was shocked to see an annual fee & activation fee in excess of nearly $200.00 + the Shell station charge for the gas! I've never paid annual fees or service charges in my entire adult life. I called them & asked them to explain why I had all these charges for the use of the card & the very rude, thick accented rep (call center is in the Philippines and obviously they hire persons who have not been trained or high school... In my personal opinion).

These people try to rip me off every chance they get. They lock me out from my online privileges so I'd have to call them. When I do they go straight to making a payment without even asking the reason for the call. They try to charge me for making a payment. When I object, they say it's for express payment which I didn't request, lowered the fee so I'd still have to pay something. I refused, they then waived the fee, only to have the supervisor come on the phone telling me to pay more than I agreed to pay and reinstating the fee. Every other credit card company gave me my credit increase without me asking for one. These guys tell you that you are eligible for an increase and charge for it. I can go on and on about these people but I'm so mad I'm trying to stay within the review guidelines. By the way they still haven't addressed the reason for my call even after I told them.

When my wife and I received a pre-approved application for a Credit One visa with a $300 limit I agreed not knowing what this bank is really made of. We didn't even get a chance to use it and were charged the $39 annual fee off the bat and for an additional card was $19. We didn't object to this but since they didn't tell us about the additional fee of $19 when we added the card I got mad and called them. And then they tell me it's in the disclosure and sure enough it was for it's not that obvious. This bank is one of the biggest scams on the banking industry and is based in and you won't believe this one, Las Vegas, NV. So we closed the account after we made our first payment and it didn't get posted properly since they claimed we entered our banking information incorrectly. I said to them, bullcrap! They closed account and we weren't liable for any charges. Don't use this bank card. They will bleed you dry!

I am sick of Credit One Bank and they should be investigated and have fraud charges filed. Seems the site is down when payments are due and when it is PAST DUE, all of a sudden the site is working without issues!!! What is up with that and how can they get away with abusing their customers. There is not an email available and when you get someone on the phone, no offense, but if you can understand what they are saying then you are lucky. I believe wholeheartedly that we as customers should have some funds/fee returned.

Most banks charge interest after 30 day. This bank CHARGES INTEREST THE DAY YOU MAKE PURCHASES AT A WHOPPING 23%, they are thieves. SO EVEN IF YOU PAY IN FULL YOU WILL STILL BE CHARGED INTEREST. I had my card for 1 month and they charged me $75 fee to start and $15 interest. Try and get a Capital One card. I did, no fee and no interest for 30 days.

First I will say that the application process was simple. I did receive my card with a $300.00 limit back in May of 2014. I made my payments on time every month, and during the holiday season they gave me an increase of $100 to bring my limit to $400. I was completely shocked. All they gave was $100 when I have much higher limits with my other credit card companies. I was told after 12 months my account would be eligible for increase. After my 12 months I applied for an increase, they declined. All I'm told is the accounts are reviewed periodically, which I think is total nonsense.

I applied for a Credit One master card on June 20. I got a letter from them dated June 27, requesting a copy of my dl, my social security card, and a utility bill. I mailed this on July 5. I have called them at least 10 times inquiring about my app. You cannot understand them because of their inability to speak english. When with them, you do communicate with them, they cannot find your info. Do not apply with them.

I just activated my card yesterday but after reading all the horrible reviews, I decided to close my account fast. I called the customer service line. I told them, "I want to close my card." I was transferred to someone and, yes, you can barely understand. She tried to persuade me to keep it. I told her I just want to cancel the account and I want a zero balance. If I have to pay the $75 I will. I just want to be done with it. She said I DID NOT have to pay the balance, and she would zero it out and then close my account. I asked for a confirmation number and was given one. Should I be able to trust this? Or should I call back in a day or two to double-check it's closed?

I never activated my card. Yet I received a statement in the mail saying I owe them money. I called them when I received the card and told them I did not want it. They told me no problem as long as I didn't use it. I think the guy I spoke to activated the card. They are a fraud. Now they are saying they're going to mail me a letter saying the account was closed in 7-10 business days. I don't know what to do.

I applied for the Credit One Card to build up my credit. Initially I paid a $45 annual fee, and now I am being charged a monthly interest rate as well although I usually pay my account in full. I called several times, it sounds like their customer service is based in India and the supervisor named "Neal" with an Indian accent that I spoke to was very rude and not helpful whatsoever. I will close my account with this company because I don't trust them. I don't recommend that anyone gets this card, it's a waste.

I don't know if this bank is a scam. There is no customer service representative. They have 8 different phone numbers and when you call them you are directed to one automated answering system. You don't know how you will complain on your payments and billing. I was surprised when I paid my monthly fees on the exact due date and they return my payment and won't accept. I tried to contact them and they will hung up and you will face a blank wall for several hours. I check on their address and there is no specific address, only PO box. I am calling the attention of the Federal Government to stop this scam. I don't want to be a victim of this fraudulent scheme. HELP US!! Attention everybody, don't patronize this bank!!

Credit One Bank uses the old automobile sale "bait and switch" modus operandi method. First, they will tell you that you have been pre-approve for $1,500 credit card limit but once you apply you will receive only a $500 credit card limit. However that's not the area where they will try to rip you off your hard-earned money. If you want to pay your monthly payments super fast, meaning if you pay it today they have what they call "Express Payment" and that amount will be credit available to you within 24 business day. BUT there's a $10.00 additional fee.

I've had Credit One Bank for about four years now. I've never had any problems. Yes, they will nickle and dime you for all sorts of fees, but I knew that going into the account. I had no credit cards for a few years, so I decided to build my credit rating back up. Everything has been fine until the end of May, 2015. I received an alert from my checking account bank that my account was overdrawn. I log in, and wow, an express payment of over six hundred dollars that I did not make to Credit One went through. I alert my bank that it's a pretty weird payment. They mark it as fraud and I call the credit card. They don't seem to understand what happened. They marked it as fraud, and I went on my merry way. Note: I was not late on payments and had just paid them $425.

Last month I scheduled my payment but my checking account was going thru some fraud. Obviously my account was frozen and wasn't able to use any of my money. A representative calls me telling me I'm past due, etc. which I told him I wasn't able to make a payment until next billing cycle. I didn't have my money. He proceeded to ask "well you don't have another account?" I said "No, I had to close my account. I'm behind on many of my payments". He kept insisting to ask other people for account number to pay that way and asking why I haven't opened a new account?! Really?!! And the same rep keeps calling me asking the same questions. Very unprofessional and rude.

I opened a credit card with Credit One Bank in the hopes of rebuilding my credit. I only received a $400 limit which I didn't mind because I was eager to start my rebuilding process. Once I got the card and activated I did decide to check reviews on the company and didn't see anything positive about them. But, I still decided to take my chances because I need to rebuild my credit. I made a couple of online purchases with this card with no problem. However, when it's time to pay the monthly bill. I attempted to make an online payment. I provided the company with my saving acct info and the payment was declined. I thought that was strange because I knew I had money in my acct. So, I attempted to make the same payment again for it to be declined again. So, I decided to change accts and use my checking acct to see if the payment would go through that way. And, it eventually did go through.

I got this credit card because we were traveling to Mexico and I did not want to use any of the others I had. It had a small line of credit which was perfect. Since then, they wanted to offer me a credit line increase of $250.00 but it would cost me $14.95 to do it and they are charging me a $6.25 monthly fee if I do not use it. What the heck. When I asked them why they are charging me this fee he stated "If you do not use it, they charge a fee so they can continue to report to the credit companies to help my credit". I told him "I do not need your help or your monthly fee". I have other credit cards with large credit lines, a mortgage, car payments. Close the account today. Do not get a credit card from them. Go to Capital One even if you are trying to build or rebuild your credit.

And they locked me out of my account was. They said because I had 2 payment returns is why they pulled account. I tried to explain to guy name Mike that they had wrong bank info because it never took payment out of my checking account and never charged a fee for no funds. I told him if I can log on to account I could see what number was wrong. Every time I paid by phone it came out of account. If online it didn't so it showed returned. He said I should contact my bank and wouldn't tell me what account numbers they had. So I'm unable to fix this because they now call 7 days a week 5 times a day. I have call blocked them and have records on how many calls. I don't know what else to do. I cannot understand what he is saying. I was born in Atlanta ga. not India. ** Don't have all info in front of me was 300 card paid 100 +$40 $140.

I have not activated my card and they already sent me a statement saying I owe 6.95 for Vegas transaction which I was never on and annual fee of $75.00. I don't understand how I owe something already if my card has not been used or activated!!! Worse credit card company ever. DON'T EVER USE THEM. THEY'RE A SCAM AND JOKE!!!

On July 13 at 2:20 pm spoke to a person from India name Michael. I ask him if he can check my acct if it say when I can be eligible for credit line increase. But he took upon his self to ask for it cuz he came back on phone telling me I have been declined for it!

I received a Credit One Visa at the beginning of June 2015. I got a letter stating that I needed to activate my card. I did not activate my card until the end of June. I made my first purchase on July 2, 2015. Today July 13, 2015. I received a phone call stating that I was 13 days late on my payment. I tried explaining this to the person on the phone, who seemed not to understand what I was saying.. I will be paying this credit off as of today and closing this account. This is ridiculous.

This credit card gives me a lot of problems such as I cannot redraw money from my account since I already took $100 out of $400. I cannot buy stuffs with this card online and neither can I send money with it using the Western Union or the MoneyGram. This card is wack and I regret the day I started using it and if I knew this will happen I would have not used it in the first place because this is the only card am encountering this kind of problems. I'm so mad and not happy at all with all this Credit One Bank because they have very poor and useless service.

The only good about this card is that it was easy to get. Once you get it and if you set up an online account I guess it might seem normal. Unless when you set it up you accidentally put in one wrong number on your account. So when my payment was due it did not go through. No problem right. I tried to login and see why my payment never came out and I found out that I was locked out. I called customer serv and they said I gave a fraudulent bank account to make a payment which is ridiculous because I am calling them asking why my payment didn't come out. She had me read my actual account number and I guess that because it was one digit off they believed me. Her exact words were, "Let me correct that for you sir." So she entered the proper account information and she asked how much I wanted to pay. I said 50 dollars.

I was recently married. I called other credit cards/bank to change my last name with NO problems! I called CREDIT ONE was a big hassle. First of all I hit 1 for ENGLISH however I could not get anyone on the other end of the line that could speak English!? The first call to them I spelled my name and made sure they understood each and every letter (i.e. S as in Sam, L as in Letter etc...) the person repeated this all back CORRECTLY to me while on the phone. However, when I checked my account online (never did receive my new card) they spelled my name wrong! Called again to get name corrected & asked them why I haven't received new card, and if they could make correction and make sure new card would have correct spelling.

This company takes more money from poor people. They have two payment style express which need 9.25 dollar per payment and other payment will take 4 business days. Need money all the times. Greedy with money. God will take care one day. And they have unavailable phone no.

I received a cc offer in the mail...thought I would accept the offer. You can't speak to a live agent. The only way to pay the bill online is mail it in, or pay online. Online bill pay takes 4 days to process & if you want express payment it's an extra $9.95. I think it's insane to need to pay your bill and have it processed within that day or the next, you have to pay a fee. Just frustrating!!

Credit one excellent credit rebuilder. I would recommend and I have to family and friends. Some advice as long as you make your payments on time and read the fees & charges you should be fine. Don't wait till last minute to make your payments!

I called Credit One Bank and customer service rep asked for my info then hung up on me. I was trying to set up monthly drafts for my credit card bill. Called back, rep pretend she was transfer call but hung up again. Something needs to be done about this. Never experience nothing like this when trying to pay bills.

This company has been the worse that I have ever dealt with. They call your phone all day long and leave no voicemails. I had my card stolen and they fought with me about closing my account and re-sending me a new card. The customer service is horrible and nobody can speak English. I am paying this card off as fast as possible and closing my account.

This company has so many issues you have no idea where to begin. Their customer service reps are extremely rude and unhelpful. The on hold music played in the foreground during my 2 conversations, including with the supervisor, and I tried to tell them I could not hear what they were saying well at all. They could have cared less. If you use this card for a hotel deposit, and the hotel does not actually charge your account, they will keep it pending for longer than the 7 days they state it will remain on hold, and don't care to help you. Capitol One is a people friendly, customer service oriented bank that this company should take lessons from. Next, their service charges are outrageous.

I'm young only 20. This is actually my second credit card applied and got approved for 500 Apr 19.% which is less than the first and annual fee $45. I only had this card for 3 months. I use it and try to pay the balance off each time. I go on it today to check the balance so I can pay it off and I see that my CL Is now 700. I'm very worried it's only been 3 months. This card for me has no stable minimum payment. It's always different but I pay over the amount each time so I'm not worried, but I am confused. I have noticed a finance charge that creeps on up as I spend more but the new one didn't show until now after the increase.

Credit One is honestly the worst creditor of our time. Extremely High Interest Rates. I have to pay $10 in order to make a payment. Customer Service absolutely sucks! You can't understand the reps. When they can't help you they try their hardest to get you off the phone by asking you to call back within 24 hours. My account was suspended for no reason! I have never missed a payment or paid late at all. They charge you for a card replacement, they charge you to add someone, they try and charge you for just about everything. Honestly, no one's credit is bad enough that you have to stoop this low in order to build your credit.

Hello. I sent in a payment $51.00 that was posted received on my computer for the due date 07/07 but was 40.00. When I call Credit One customer service they said they did not received a payment for $51.00 and it was not showing on his computer? I sent a money order and I check it. It was cash - post by Credit One on due date!!! Now they want to charge a late fee!

My card expires 7/15. I've not received a new one and unable to speak to anyone to request one. I would think someone would have noticed this and I believe I should have received a new card automatically. All automated so as far as I'm concerned there is no customer service and no help available. I just paid my full balance last week. I guess they don't need my business. Time to go elsewhere.

The most complaints I read on here are about customer service. Well you pay your bill on time you don't have to worry about the side of things. The other complaints I see have to do with fees and the biggest problem fee is the charge of $9.95 for a payment. That is or an express payment or a payment you want posted the next day. If you are needing money on there that bad say if you're a day away from your due date then there is no reason to use that feature. Just use the regular payment method that is free and takes 3-4 days to post due to the payment having to clear your bank.

I got a call a day after my payment was due. The lady was very rude and spoke poor English. I explained to her I had mailed a payment two days prior to her calling. She told me that wasn't good enough and wanted me to make a payment over the phone. I told her no but if she wanted to come over, I'd pay.

DO NOT open an account with this bank. Worst procedures I have ever seen. I was trying to help my friend build credit so paid $75 to open an account with $400 credit. All we charged were the monthly utility bills. The first month, I received a late fee. Never received a bill, so I called and they waived the fee. I paid the amount they told me to pay. Next month, I opened an online account, looked at the statement and paid it 2 weeks early. Interest charges continued to accrue. I called, and they said, "You have to find out the balance due by calling, and you cannot just pay the statement amount".

I opened this card almost a year ago to help re-establish my credit. That was the worst mistake I could have made! Every time I try to make a payment, they don't process it. Then they charge a late fee because the payment was never processed. When I called to ask why it wasn't processed they essentially said it was my fault for not having the money in my checking account... Uhm NO IT'S STILL THERE WAITING TO BE PROCESSED! The only way to get your payment to process and paid on time is if you pay the $9.95 "express payment" fee (convenient huh?).

Stay away from this 'bank.' Do not do business with them. They closed my account because a customer service representative erroneously entered my bank account information into their system when their online bill pay was offline. My account was issued a $9.95 fee for this service. Instead of contacting me to straighten out the issue (they have my e-mail and phone number), they kept trying to run the payment with incorrect payment information. They did this three times. After the third 'returned payment' (none of the three I was aware of) they sent me a letter stating that they were closing my account due to these 'issues.'

I called the customer service and spoke to a someone named "Peter" who states he does not have a last name or at least a first initial of his last name. I called because I had made an express payment. Truth be said I had no idea the card was closed because of inactivity or less than a year, but I was still making payments. So I made a payment of $109 and $9 was the fee for the express payment. When I checked my online account it was applied with an available credit. So I decided to try and use the card. It didn't work. I called customer service and spoke to "Peter" and asked did the person who took my payment didn't inform me the card was closed because in that case I would have made a regular payment instead making it an express payment with a $9 fee. "Peter" told me it is not their job to let us know that. They only take payments. But I told "Peter" I asked the representative when will the funds be available. He told me the next business day.

In June of 2014 I was diagnosed with a brain abscess. While I was in the hospital, I still managed to keep up my payment. In Nov. I started falls behind still due drs care. I called Credit One and made arrangements. I fulfilled my part they did not. I explained after I fulfilled my part which was 3 conservative payments of $35 would my payment go back to $25. They also said they would waive the late fees, they did. But after my part was done even though I kept up my minimum payment, they started adding more late fees every month. BEWARE. DON'T TRUST A WORD THEY TELL YOU.

I mailed my payment late and expected to get overcharge fees. One of the representatives called me ONE DAY after the payment was due and tried to get me to pay with my Debit card. I told her that I had already put the payment in the mail and asked how much the late fee would be. She told me $95.00 when the wording on my billing statement said a late fee of up to $35.00 might be required. This is either false or in the least misleading advertising. I'm trying to rebuild my credit after bankruptcy, not trash it all over again. Does anyone know if their practices are considered predatory???

My card was stolen. They refused to provide me with documentation regarding the fraudulent attempts and I had to call multiple time. They had no record of the calls that I had made and kept getting told different things in regards to the fraudulent charges that were made and the resolution process. This is the WORST most UNORGANIZED credit card company I have EVER dealt with. SOOO angry.

I have had a Credit One card for approximately a year and a half. I have had nothing but horrible experiences with this agency. First, I read the fees and fine print, but needed to improve my credit, so I agreed to the extremely high rates and annual fee. However, when I was ASKED if I wanted an increase they stated I would have to pay $25. When I got married, they stated it would be $25 to send out another card, same with address change. I usually pay my account online, which works fine for a few months, then my password is denied and the nightmare with customer service begins. I call to fix my online account and get harassed over paying my bill (which has only been late once and it was due to not being able to get online).

When you pay on your credit card it supposed to show up the next day. Well I paid on Saturday. The due date is the 5th. I paid on the fourth yet I get a late fee. Don't get a credit card with Credit One.

I have been getting charged 10 dollars to pay my credit card. Why are they charging me for everything I do? Countless fees all year for a bad credit card. Can't get that money back.

I recently lost my Credit One Bank credit card. To my astonishment, I was told there would be a $35.00 fee to replace it. I have never heard of such a thing. This bank takes every opportunity to assess exorbitant fees and charges. These persons are crooks!

Reported lost card. Someone used it without my authority. Called them right away. Did all steps they required. Filed police report. They still refused to take out fraudulent charge. Don't get this card. Poor customer service. High fees. Did balance transfer and closed the account. Very bad company.

Granted I am new to this company, but after my ex husband trashed my credit (I'm NOT paying the bill for his entertainment of other women while we were married!), I was happy to have a second chance. I don't care what your financial situation is, pay your bill in full every month, and as soon as you get it. Don't wait for the due date! If you can't pay it in full each month, then DON'T SPEND THE MONEY! I suspect that the problems people have experienced are of their own making, and probably what sank their credit in the first place.

Why ask what language we want if you do not grant that??? I've had this credit card for several years. Had a small issue recently when I switched from a regular bank to a credit union. The checking account numbers were off so it got returned bank to Credit One Bank. I clarified this all MY regular bank and they gave to correct info I need for these payments.. I called Credit One Bank when I realized I did the wrong number and the guy there told me he sees it as being processed so basically he was 0% help. Credit One bank froze my account and said I had to speak to the fraud department.

I pay every month on time, try to bring my balance down. But it's like every time I do it, keeps going back up. I'm pissed off because I keep getting charged extra fees. So it's like I could never bring it down at all.

They will harass you. A few days late on one payment after paying on the card RELIGIOUSLY. The result? LITERALLY EIGHT PHONE CALLS A DAY WITH NO VOICEMAILS LEFT AS TO WHAT IT REGARDS -- WHILE I'M WORKING! Do not deal with Credit One -- under any circumstances. They do not have a general customer service number or email address. I would not be able to talk to a living person on the phone had they not been calling EIGHT TIMES A DAY. THEY DID NOT STOP CALLING AFTER RECEIVING PAYMENT.

I opened an account with Credit One mistakenly, thinking it was Capital One. I have had their card for 2 mo. I made my first payment on time, no problems, using the express payment option. This month, I tried to use the standard payment of 25.00 with my prepaid visa card. (It doesn't work, so don't try!) The payment didn't go through. So I paid my full account balance off a few days later using the express payment, 9.95 fee. When I went to see if the payment was applied, I couldn't log in, Card Temporarily Suspended!

I applied for a credit one card that I thought I would use for emergencies. I've had the card for three months and have incurred almost $200 in fees. I have currently only used the card one time for a $29 purchase. This company specializes in theft. That's what this is. They prey on the members of the public that can least afford this shell game. They make it very easy to get a card. They then immediately pile on fees and in some cases even before you've used the card you "owe" them almost a $100. These fees that seemed to show up weekly, have taken my balance up to over $200 dollars on a total of $29 in purchases. Then of course comes the real game. Just see how easy it is to cancel your card. Good luck. Run away. Run away fast.

I have been reading all the negative reviews and don't understand where they are coming from. Everyone is stating there is no other option than to pay a 9.50 fee to process your payment online? This is false! When you pay online it specifically gives you an option, yes to use the express payment which posts same day for 9.50 fee or you can add a bank account which is free of charge and they just take the money out in 2 business days! I've never had an issue making my payment this way. Yeah the yearly fee is charged with your first statement as well, but it's an overall good card and I don't understand where all these issues for several people are coming regarding the payment..

I should of read the complaints before I got this card. I ended up getting charged $75 for a year and I never received a bill and they charged me $80 in late fees when I never received a bill. I ended up paying out more money in fees than what I charged. They are a bunch of scam artists!

After reviewing Credit One Bank online reviews I was totally in shock. I was so concerned about the 1 star rating that I called and canceled my application. I spoke with a customer service rep that identified himself as **. I ask for confirmation of my cancellation request and was given an ID number. Hopefully, that will be the end of my foolish mistake. I actually thought it was a preapproved offer from Capital One. Guess their marketing strategy works because I read a couple of reviews that made the same error. However, I have no faith what I was told in my telephone conversation will be acted upon. This is the reason for my review. I want proof that I did attempt to cancel my request within and one hour of completing the online application on 6/30/2015.

Whatever you do... DO NOT OPEN AN ACCOUNT WITH THESE PEOPLE!!! I pay almost 20 dollars in interest to this company. On top of that, they will shut your account down, where it won't report to your credit and still charge you monthly interest until it's paid down. Either they keep the account current while charging interest or they stop and send the account to collections. What they are doing is complete crap.

After waiting 24 days for my card to arrive, I finally received it 4 days before my due date. I called to inquire about pushing my due date back since I only just received it and haven't used or even activated it. They told me not to worry, don't activate the card until after the due date, and my new due date would be the following month (same date). Well, that's just what I did. I activated my card 2 days after the due date and purchased gas. 5 days later I'm on E again but when I try to purchase my gas, it says declined.

Worst customer service ever. For starters they have agents on the phones that don't really understand or speak English well. I called them up to make a payment And when they asked me to verify personal info which I did, I was then transferred around from person to person only to be asked for the same personal info every time. Finally I got to make my payment only to be charged $10. I don't know how bad you need to reestablish your credit, but this headache is definitely not worth it to me.

I mistakenly took this mail offer thinking it was a Capital One. My error was not carefully reading offer. This Credit One card customer service is unbelievably difficult to deal with. You cannot speak with anyone who speaks English clearly. Cannot email or reach an online rep. Fees for everything. Be advised -- DON'T EVEN CONSIDER USING THIS COMPANY OR THEIR CARD. They are no more than thieves taking advantage of those who are trying to rebuild their credit. Hopefully I can close this account without too much trouble. 100% Disabled Veteran.

I have had no complaints about this company. They're probably the best company I've ever had. They open so many possibilities for me with my credit. They have been great. I would highly recommend them and I have so many friends, they feel the same as I do.

In January of 2015 I went to pay my bill only to find out my account was locked. They had received a payment of 900+$ on account that has a 500$ limit. (first red flag) The check didn't have my name or signature on it and it wasn't from one of the financial institutions I have on file with them. (2nd red flag) Yet and still they applied the check to my account without authorization. Now they lock the account for 4 months and tell me I have to pay the late fees and interest on the account even though they wouldn't let me make payments while the investigation was going on.

Stay away from this company, the worst credit card practices I have dealt with. Will be turning them over to consumer credit agency. They have the nerve to try to charge you a monthly fee to have their card of $7.99. I told them under no circumstance would I pay them to have their card. They constantly offering you an credit increase for an additional fee. Told them to close the account and I sheared this card.

From the very beginning their logo looked eerily similar to Capital One Bank and I thought I was applying for Capital One Bank. However when the card arrived I realize it was not. This is a company that preys on people who are trying to rebuild their credit. However they overcharge the customers. Even when making a payment one has to pay $9.95 for processing the payment. The credit card fees are billed monthly which created a late fees situation automatically as I was not aware that I charged anything. When I tried to close that account several times I was put on hold for extensive periods of time only to be put in touch with the specialist who tried to talk me out of closing the account making it very difficult to even close that stupid account. Quite simply this company is a scam and unethical in their practices. I warn anybody not to open account with the Credit One Bank and I am not even sure that they are a bank!!!

Just like everyone else on here, me and my husband trying to start our credit and from thinking about 25$ min payment we said to ourselves we can handle this. NO!! Since first month, first payment they took it out our bank account and then said they never did. It was on our statement when that came, then we had to pay twice because Credit One said they returned it, and it's still going on today 4 payments later. So account is now closed and I owe money for returned fees and bank fees. DON'T APPLY WITH CREDIT ONE. THEY GET YOU FAST!!! Made credit worse!! LOSERS and no English speaking people... YOU CAN UNDERSTAND **!!!

Try to pay bill and they don't allow it at this time. What the hell. I will get rid of this card as soon as possible. They also will not take a bad review. This is the worst company I have dealt with but you don't care. You will not take care of my review. I will cut up my card as soon as I am done typing this message.

This company need to be investigate for its practice. When you call them you get person that does speak English. They lock your account. You can't login and calling them is joke. Please investigate this company. They are quick to apply late charge. Please stay away from this company.

Fraud charges on my card. I have called Credit One numerous times. I always get someone only reads off of a piece of paper. The answers are what's on a piece of paper. No one knows what they are doing. They say someone will get back to me. No one does. They say they will mail a form/affidavit and I never receive it. Asked them to email it to me and still nothing. Charges still on my account.

Called customer service, after I activated card I saw all the press on this company. Told them I reject their offer, I never charged anything. They still want their $75 fee, don't think so, they threatened my credit score, are you kidding?

Thanks to your guy I cancel my account just in time. What really makes me upset that this company customer service line is in India. Now people in a third world country have all my information.

We received a statement regarding a $75, but we did not get the card. When I called to cancel, they wanted to talk to my husband because it was in his name. Problem was that my husband is in ICU almost in a coma, and they wouldn't talk to me. I had to get the nurse to help me get him to call them to cancel this card. They kept saying that we need his permission. I have never heard of such STUPIDITY in all my life. I had to do everything in my power not to really cuss these people out. Also, you are probably not dealing with c/s in the US, but somewhere in India, which pissed me off even more. DO NOT USE THESE CARD. THEY ARE STUPID and INSENSITIVE.

I had to enter my checking account information into the website to make a standard payment. This card then took 2 additional payments without my authorization. I made a payment 6/12 in the amount of $50. On 6/20 they took a $300 payment from my checking account and on 6/24 they took a payment of $10.84 out of my checking account leaving me with a $1 balance on this credit card. I called three times and was told I must have made the payment or someone got my information (and was randomly making payments on my credit card with my bank info?). No that doesn't make sense.

At Credit One Bank you pay a high price for your credit. Every month I received my statement I had to pay fees that I didn't even know where they were coming from. This people are thieves charging you for every single little things. I mailed my payments and it takes them like 3 weeks to process them and they charge me late fee plus interest. I closed my account and sent a payment. A month later I called to check if I owe any interest it says I have a balance of $6.90. I sent a check for the $6.90. A month later I get a bill saying that I owe $15 in fees after I had canceled and paid off my balance. Stay away from banks like this. Your life will be better off if you avoid them at any cost.

So got card, used it and owed 500 bucks and change. They called me and called me and called me, I finally got paid from new job and paid them and now 6 months later I'm getting sued, and on top of it their customer relations people hung up on me when I called. Their automated line sent me to another company and from there got sent to another company (Track America). A guy named ** answers and after I told him I was calling to dispute an account tells me they are an apt complex in CA. Then after confirming online and through the secondary collections company the number, now I get hung up on as soon as they answer. GREAT company let me tell you, underhanded all the way down to their subordinates. Piss off.

As many already reviewed here, I got this card to help build credit, and actually though I was applying to Capitol one, NOT Credit One (sort of shady, right off the bat) Regardless... Every time I have ever called with questions or issues, I had issues in understanding the person (and I deal in international customer service, so I am good with a variety of accents). I never used the card much (I have other cards with lower interest rates), so when I finally got tired of the charges and total lack of "understanding" shall we say, I cancelled the card... Week later it still showed open so I called for verification.

I have tried to return items purchased in store twice and the card does NOT allow returns. After being on the phone for over an hour and the Wal-Mart manager having to talk to a supervisor they said they would credit the card. My statement came and the credit was not returned on my card. The card company tried to say it is Wal-Mart's fault! NEVER use this card! I will be reporting them.

On June 23, 2015 I received a call from Credit One Bank that my payment was past due. I explained that I was getting money in the next day or two and I would pay it then. The guy said I have your bank account information here and I will set up a debit from your account. I told him "No. You Do NOT have my permission to debit anything from my account! I will pay it in 2-3 days." He started talking and I couldn't understand anything he said so I asked for someone from the US.

After receiving the card I realized it was Credit One, NOT Capital One. RED-FLAG. NO auto-pay provision on the website. Called numbers provided all with same endless loop. NO people. They seem to want late payments.

Credit One has the worst customer service I have ever encountered!!! Trying to communicate with them is a nightmare. They give you a number for customer service and it re-routes you to every dark corner of the company. I asked transfer me to the right person. They said they can't and to dial the number again- another re-route. It took four calls and a few different supervisors just to close this account. That is ridiculous. Each and every time I've had to speak with them has been a nightmare. I'm guessing their security is not so hot either. I can't tell you how many time odd charges were added to my bill and then to go through the hellish process of having to speak to someone. It is horrible. Find a different card company it would be worth your time. Credit One doesn't deserve to exist as far as I'm concerned.

Just want to let people know... Don't get this card!!! These people are thieves and very ** rude!! I missed 1 payment due to getting into a car accident! I was in the hospital for 2 1/2 months.. I get a call on my cell phone. I DID not answer it seeing I am in a hospital bed hooked up to wires and what not.. So I call back.. It’s these jerks from credit one.. Now I call them back... This rude jerk says “You’re a month late” and it’s going to collections?? They don't do this to people who are a month late... He insisted I make a payment now!!! After I just explained to him I am late due to an accident... He had the nerve to tell me that someone ought to go to the bank and take out their money... ** their money?

Received a bill for $75 before I even used the card! I used the card once. I rang the number on the card to cancel and had to talk with 4 people before I could cancel the card. This is a giant scam.

Like others, I am trying to rebuild my credit, way too many when I was younger and I spent every last dime on those 14 cards and spent the last 10 years paying them all back. So it's been a while since I've opened any accounts, I kept getting offers in the mail, etc. Finally I received one from Credit One, they are offering me $300 - good enough to start over, or at least I thought. I opened this account back in Feb 2015, they approved me for $1000 (way too much, but I planned on only using it for small purchases and making monthly payments to show I am able). The first purchase I made was 2 months later, at dinner out with friends and it was declined!! I thought to myself, I did activate this one right? So I shrugged it off and waited to call till the next day.

I have had my card exactly a year, applied back in June 2014 and sent the card with a credit limit of $300. It was the first card I had in a long time (I have nothing really bad on my credit. No bankruptcy, no loans in default, nothing). I paid my bill early every single month and sometimes more than I needed to. 6 months came along and they gave me a $100.00 increase up to $400. I called and was assured that a big increase would happen at 1 year as long as I continued to make my payments early, etc. I did so and here I am at a year.

This card has an extremely high APR and annual fee. The thing is though it is not meant to be a top notch Credit Card. This help rebuild credit and after my bankruptcy 2 years ago it has been very helpful. Guess what the trick is? Pay the card off monthly. You should with any card. I see so many complaints on here that I felt compelled to right a good review. If this is the only card you can get, other than a secured card, there is a highly good chance your credit sucks. This company is making money for sure off the noncredit worthy people, but all for profit businesses are there to make money off of you. At least this one helps rebuild credit just like they advertise. If you have bad credit and can make the monthly payment, I would get this card if I were you.

Our experience with Credit One had been excellent prior to the incident; excellent repayment history. We made a 50$ mistake by going up above the credit limit purely by accident. As a result, they granted the transaction above the limit, but then sent derogatory information to my credit reporting agency. I was furious -- We are good customers, and if they declined the transaction like they were supposed to we wouldn't have our credit report dinged. We realize that our overage was our fault, but they let it happen too following up with a credit ding to last for years. Credit One reverse our score ding!!

Long story short applied online 05/16. Approved 05/18 and waited 7-10 days for card. No card. Called back to find they had inverted my address number and apt. 7-10 more day wait. I wait. Still no card. I call back & they sent to same wrong address again. Then I get letter at correct address advising me I hadn't activated my card which I never received!! 3rd attempt supposed to be rushed 3-5 day. 10 days later still no card. I call today cause I received a letter yesterday (at correct address) advising me they have been trying to call me. NOTTTT!! Only to say I should receive it in another 7-10 days. I'm beyond pissed and their customer service is THE WORST!!!

Harassing phone calls demanding that entire bill be paid at once. This is in light of never having paid late. Worst creditor ever.

Honestly, the worst company & customer service. No one speaks English well enough to fully understand what they're saying. They hassle you for payment multiple times before your payment is even due. There is no way to pay with a debit card without getting charged almost $10. They even had the nerve to call me after I made my payment to set up the next payment, which was 30 days away! I'll call you when the payment is due!!!! I can't wait to pay it off so I can chop this credit card up in to pieces!!!!!

Most of these complaints are whining about the fees Credit One is charging. I thoroughly and carefully read over the first letter I received from them and the fees that they would charge me were clearly stated. I did not like most of the fees, but when everyone else is denying you, you can't be picky. I knew before I accepted their offer exactly what every fee would be and that this company was Credit One and not Capital One. I had no trouble activating the card or making my first payment.

This credit card preys on people with less than good credit, which is what I was getting out of college. Look forward to $8/month fee, $10 fee to make a payment, $25 late fee, $25 fee to replace a lost or stolen or overused card. Most want to get you a credit card easy and fast so you can start using it again… Never heard of a bank charging to give you new card. Likely people in a position to use this bank aren't scouring the net looking for reviews, but hopefully someone comes across this and decides that it just isn't worth it.

Credit One Bank is like some other banks for people with no good credit. Since I was unfortunate to lose my good credit I applied after I received offer in the mail. I was approved. I KNEW WHAT WAS GETTING INTO HIGH INTEREST, LOT OF FEES. But when you have BAD CREDIT you gotta pay for that. No one is forced to open account. Since I have the card (3 years now) I never have any problem. I pay my bill online in 20 seconds. They always debit my checking account next day. All good. It's true they increase your credit limit for fee but again you don't have to. It is your choice, nothing obligatory.

I received my card in January. No annual fee. Minimum payment of 25$ monthly. I have been making 50$ payments consecutively and my account balance has not gone down not only that they have been charging me a late fee of 25$ when I've already made my payment. The payment date is 18. I have been making my payments on the 10th so how are they charging a late fee? Not only that my credit limit has not gone past 25$ and I have been making my payments on time and I've not purchased anything with the card since May... I'm not purchasing anything with this card. I will continue to make 50$ payments until it's at 0 and then I will cancel my account with this fraudulent bank...

They have awful customer service, can't even understand what they are saying! I paid in a balance, and asked for the account to be closed, and they never did. I magically got a charge for 27 dollars, which infuriated me because their fees are ridiculous, as well as their "same day payment" option! I clearly asked them to cancel. Also there's no email anywhere so you can't even document anything! Never again! If anyone needs to build, or rebuild credit scores, there are better options!

I had a 0 balance on my account. Never received a new credit card expired in 2014. Called once to close account as no new card and still charging monthly fee. They didn't want to close account and had tell them three times to close. Finally said account was now closed. A month later got collections call from them. Told the account was closed previous month. The lady, hardly speaking English, she would close account after asking to speak with manager 4 times. Two weeks later received a notice from my credit score review they closed the account but charged $66.24 for late payment and fees for previous month.

I would never recommend this to anyone. I always pay them 2 weeks in advance, then the following month they sent my bill and they still charge me with a late pay. Then I go online to pay my bills, they won't let me sign in. So I paid off my whole balance, again I pay them two weeks advance, I was so happy I finally paid them off, then again they still send a bill that I owe them. I didn't even use my card for 1 year, and all I do is keep paying them, and if you try to call them you always on hold. This is a bad credit card, bad experience, bad customers service - it's a big SCAM.

I signed up for a $1,000 credit card. They charged $75 yearly fee to start, long before I even got my card. After I got my card I bought some things and got a statement in the mail as expected. When I signed online to pay, it said Past Due Alert. Apparently there was a payment period after the $75 yearly fee had been charged, which I never got a mailed statement for. So I was charged a $25 fee.

My husband, whom has never had a credit card, unknown to me, signed up for a Credit One Card. Then we get bill for $75, then he says it is an annual fee that says minimum payment $25, and god forbid you are a day late on the $25 payment, because $75 annual fee goes to well over $100, and then even when you cancel said card with the understanding that the card has in fact "been cancelled" and "zero balance", as well as, zero fees accruing.

It is nearly impossible to avoid paying interest charges because interest charges begin the day of your purchase or cash advance. You cannot pay online ahead of your statement and you cannot pay online to have a credit balance. Basically, Credit One credit cards charges interest immediately after a purchase or cash advance. The word "Credit" in Credit One should be changed to "Loan Shark" One Card. Since I cannot make advance payments online, I made an advance payment using Bill Pay with online banking. I have yet to see what happens if I do that.