Credit One Bank Reviews

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.

I had another credit card with another provider, $300 limit. I was using it and paying the minimum +$25 to establish a good credit history. When this application arrived, I figured why not, I'll use both sparingly and have some diversity in payments. When the card arrived, it was followed a couple of days later with a billing statement for the initial card fee. I knew this going in, but the bill showing up when you may not have even received your card yet was a bit absurd.

I just got the card two weeks ago and already they charging me a $75 "annual fee" that I didn't know about. SUCH A SCAM!

They are not helpful at all and nobody I have ever talked with could speak a lick of English. This is a horrible company. And after reading the others' reviews? I do *not* recommend doing business with this company. Awful customer service. And be aware that if you're ten minutes late putting your payment in, the phone calls will start. They start at 7:30 in the morning and don't stop until 9:00 at night, 7 days a week. Don't do it, you will regret it.

I've seen several negative reviews regarding Credit One card, but applied anyway in hopes of approving my credit. I was approved for $500.00 and was very surprised, as my credit was pretty bad (602). And was ready to pay a $99 membership fee, but as of yet I have not charged and I've had the card for a little over a month. My first bill was $30 on $117 balance, but after setting up my online account, which was very easy, I made a payment of $50. I checked my account this morning and discovered that they raised my credit limit to $700. As someone who really took his credit for granted and put myself in this mess, with my low score am very thankful to Credit One for giving me an opportunity to get back on track.

Payment are never receive before due date if mail. If payment is mail on the 3rd and the due date is the 10th they won't receive it until after the 10th which causes a late fee of $35. The United States mail is not that slow. I have also mail two payment for different account in the same envelope. One get credited and the other one is lost. How is that possible? Which causes more late fees? No choice but to pay $10 extra.

So I applied for a credit card through Credit One Bank. I hardly used my card and before the due date of the 6th I get a phone call one week ahead pressuring me to pay. Then online they take 4 business days to withdraw the money out of your account to pay or pay a 9.95 express payment. Sometimes it takes longer than 4 business days to post and it seems like they intentionally prolong the posted payment past your due date to charge you a late fee. I finally made a full payment of $300 something dollars so I can use it on vacation. Once it posted I couldn't use it because they cancelled it and I couldn't even use my card and they got a full payment and once again it posted past the 6th and was charged another late fee.

I've had my Credit One visa card for a year now. I've always paid it on time every month. I also pay more than the minimum due. They increased my credit limit over the year a couple of times. My complaint is that the interest on this card is really high and once they increased my credit limit that interest went way up so I'd pay my bill on time and by the time it came due again it was already over the credit limit. That's when they began to call and harassed me to pay it before the due date. Their customer service is awful as well!!! You can barely understand what they're saying. Their accents are so bad it doesn't sound like English. And forget about asking to speak to the manager - his is just as Bad! I plan to pay off this balance and rip up this card! Please consumers beware of this terrible company with horrible customer service!

Not sure what others are doing, but I applied and received my card quickly. The free payment option on the website says right there it takes "roughly 4 days" to show in your account so if you're getting late fees choose the expedited option or submit your payment soon - this is not their fault. No payment problems at all. No late fees as I pay early enough "like it says" to do. Overall a great experiences.

Those giving this bank a 5 star rating are either employees or somehow related to the bank! One said, "They even raised my limit after 3 months!" Really? But they charged you a fee! It is all about FEES. A $250 increase costs you $20 or so. Annual fee is $99 dollars. If you're new, just wait and they'll charge you. Monthly service fee is also charged. I am closing this account after my last payment as these people are WORSE than The Merchant of Venice. Many Credit Card companies like Capital One will give you credit and reward you for free if your payments are always on time. Trust me, this is a ripoff bank and don't become a victim.

First of all, this company misleads consumers into believing they are receiving a CAPITAL ONE card since the logo and font are identical. I didn't even realize it was a CREDIT ONE bank card until I received it in the mail. Secondly, the notice of the bogus $75 annual fee is intentionally in microscopic writing and applied immediately before anyone even gets the chance to activate it or use it.

This is a legal fraud company, stealed logo, fake customer service. Do not open an account with them. If I knew how, I would definitely report them to IRS or appropriate Federal Bureau.

I have a CREDIT ONE BANK CARD, and it is a PAIN. I have a balance of $25.00 on my account and when I have tried to use it it was denied several times. When I called their response was "There is no problem with your card - must be the company you are using it at." I told the gentleman (who spoke horrible English) "I tried to use it 3 different locations including cash withdraw so they can't be all wrong." His response was he didn't know why the card didn't work so just keep trying it. Really?? That was the best they could do.

I received this application in the mail and thought it was a legit company. I filled it out and sent it back. They returned it with a 225 limit instead of 300.00 like they said. I called them and they said it was a 75.00 annual fee. I never saw that on the application. Since I hadn't used the entire amount they charged me 25.00 for being over limit and when I called to ask, they told me to pay the entire balance. I refused, and since then they have been charging me late fees and over credit limit fees to where they are way over the limit now. And every time I call I end up speaking with some unprofessional person who can't even pronounce my name or barely speak English.

I've had my Visa Credit1 card for a few years. It seems like a great offer for someone with not-great credit, but it's actually a horrible deal. The interest rate (mid 20's) and annual fee ($100/yr.) are ridiculous and you get no benefits with those outside of a 1% back on gas purchases. They will constantly offer to increase your limit for a nice $15 charge and express payments are also available for a fee. Only 4 payments can be submitted within a month on the entire account (even with 2 cards, you can only make 4 payments). Their customer service is crap. Not to run on a tangent about oversea call centers because I've had great experiences with some, but Credit1 uses a lower quality one. That's a general review of the company and their services.

I attempted to pay my bill online however the system would not let me. I called to make a payment via my checking account. I spoke with a customer service representative and everything seemed fine. Three days before my bill was due I received a notice that my account could not be located and my bill was no longer paid! The notice also stated that they could close my account! What a scam. I verified the account info several times. The system would not allow me to pay my bill online (extra $10 charge.) I verified the payment with customer service. Now threats of closing my account due to their error and not notifying me right away. I will probably close the account next month.

This is the worst company I've ever dealt with by far. They have agents that just tell you whatever you want to hear to appease you and don't follow through on anything. They have cost me over $200 in extra late fees promising to ship me a card that hasn't arrived after resending it 5+ times already. Then their customer service speaks BARELY PASSABLE english, doesn't know what they're talking about, tell you one thing and does another. IN SHORT... DON'T USE THIS BANK PERIOD!!!

I wish I could leave 0 stars. I got charged a late fee 3 days BEFORE my payment was even due. So I call customer service to get it removed, and I swear to god it took almost 20 minutes to get past the automated part to speak to an actual human being. Then I finally spoke with someone, which I could not understand AT ALL. They outsource their service to India or something. Anyway, the guy waives the stupid fee, or so he says. It still showed up on my account 2 weeks after I called. I called today to see what's up with the fee, and the Indian lady I spoke with was yelling at me. I asked if I was going to be charged interest on the fee then she lost it. So I hung up on her. I'm tired of getting awful awful awful customer service. And it would help if I could understand the person. In the process of transferring my balance to another credit card and canceling this account. Never again.

I almost didn't sign up for this card. Thanks to all the negative reviews I found when searching online. But, after comparing the reviews to the information that Credit One sent to me in my pre-approval packet, I realized that every charge and item that other reviewers were complaining about were CLEARLY outlined in the terms before even signing up for the card.

I had received a credit card offer from Credit One Bank. And with problems in the past with credit issues I actually got excited to get an offer to rebuild my credit. At the time I was in the middle of moving and I gave them my new address. I waited two weeks and didn't receive my credit card. I had called them and they told me my information was invalid because of my address. They wanted me to send them confirmation of a bill in my name at the new address. After waiting another 10 days I had called back and they said they sent the card and to call back the next day if I didn't get it. So I did and yet again the address was still incorrect because their customer service reps are from out of country and can hardly speak English nor comprehend it. My last phone call the rep got an attitude with me so if and when the credit card come in the mail I'll be immediately canceling it and cutting it up!! Do not accept this card. It's a nightmare!!

Credit One Bank is the worst credit card to obtain. It charges customers a fee to get a credit line increase. The minimum payments varies each month from $39 - $85, with a credit line of $1000.00. Consumers beware and refrain from, applying for this card.

I originally applied for this because I thought it was Capital One. Only after applying, did I realize what company it was. I looked it up and read all of these horrible reviews. 3 star only because it was a fast and easy cancel process. Hopefully I won't get anything in the mail in regards to the closed account.

Got a Credit One card for the sole purpose of internet use. The 1st time I tried to use it was HP warranty service and it was declined. Called Credit One. The person said that is was turned down was because HP was a questionable account. Apologized and try it again next day. Tried getting gas at a QT station, again declined. Called Credit One and after a long wait the service rep told me it was turned down because they didn't trust the station (Meanwhile AMEX didn't have a problem).

How is Credit One allowed to masquerade as Capital One? They scam you into thinking they are Capital One. Then, fees and charges before you know what hit you. Aren't they infringing on trademark and/or copyright laws.

I took on credit one bank with the intention of building my credit - BIGGEST MISTAKE. First of all, their customer service is horrible. I've asked to speak with a supervisor on numerous occasions only to be patched through to someone who sounded exactly like the original rep (makes me wonder if they even transferred me to any higher authority). Not to mention, they charge you $10 to pay your bill over the phone for an "express" payment and you still wait longer than a business day to get your funds! They 'SAY' you can make your payment via Internet to avoid paying the $10, HOWEVER, they FAIL to tell you that you have to use a LAPTOP AND/OR DESKTOP to make a payment and not your smartphone - Even though they have a mobile version website/APP. TERRIBLE company and a complete rip off/SCAM. I don't recommend them to anyone.

I was an authorized user on my husband's account. We found out that you have to pay a yearly fee of $19.00 to have someone on your account. Even after I called to be taken off, I had to call them back because they weren't going to reverse this fee. It's very difficult to even understand what they are saying since you talk to people in India. My husband finally got tired of dealing with them so we requested to have his account canceled. It was like pulling teeth out of a chicken. Normally, you can go in and request it on a company's website. Not Credit One! They make everything as difficult to do as humanly possible. We can't go in and look at copies of statements. He also has a late fee attached to his account. Not sure why that was there since payment always made before the due date!!

I have had my card for over a year. I have received two credit increases. I did receive a late fee once because I forgot to pay my bill. I try not to deal with customer service over the phone. When I made my first payment over a year ago the lady kept saying my payment did not go through. She kept trying then finally my payment was accepted. So, now I just pay online using standard method or express whenever I chose or need to.

I have had nothing but bad experiences with C1 bank. I have tried to pay my bill online for the last 2 days. However, the system won't let me. I have reset my password and it still kicks me out. I called them and they told me to reset it using my computer and not on my phone. I followed their advise, but I still had the same problem. Please read the bad reviews. There are way more negative than there are positive. I have First Premier. Never had a problem with them. I have 2 cards. I can pay over the phone or online for free on the automatic system anytime. C1 charges $9.99 online or over the phone with a representative. They don't have automatic system service.

Well after reading a few negative reviews I still went ahead with credit card low limit. Was paying bill on line four five months but the fourth fifth time couldn't log in. So I called Credit One only to speak with a moron. Each time after that my payments increased and fees appeared so I sent email said "You're idiots and I am done." They called 25 times a day. No statements came. Nothing. I last night May 28 2015 look at credit karma and there's Credit One! I was so mad and called the guy. He says "you're 200 over limit." As I was talking he stopped me and said "now let me talk. Shut up and listen," and my reply was BBB and hung up phone. This is outrageous and unlawful!

This credit card has been a nightmare. I needed some extra money on my trip, so I thought why not. I paid the $75 initiation fee. Before I even received my card I had two late fees already added that totaled $50. They took off the second one. I received my card about 4 days later. When I received the next statement, I was expecting the $10 I owed to be on it, which it was, with another late fee.

High interest and now an Annual Fee...PER MONTH. I would not do it again. No thank you. There are better offers. I'm sure somewhere in the small print it says if you don't use it they charge you anyway. But! I look for it and didn't see it.

I've been trying to contact the office to speak to a rep, but obviously no one answers except the machine. This office don't even have any chat service to chat with someone (people) to answer my question(s). Where's everyone or somebody real people to talk to. I've paid my bill just recently. Then I went into my account another day, found out that I already have a balance, and I haven't use my card yet. Where are these people to answer the phone call.

Credit one did not charge an annual fee for the first year. They gave me credit when I was turned down elsewhere. Because they approved my credit app, I was on my way to building a better and positive credit rating. Even with the small monthly charge after the first year, I kept this card. Credit is not easy to rebuild after you ruin it and this card is way better than the other ones that prey on your poor score and charge the card immediately hundreds of dollars upon opening it. I would recommend this card for anyone rebuilding credit or who were in the same situation as me.

I received an offer for credit and decided to check out the reviews… Having read them I took a closer look at Credit One's offer. Be sure you can live with their terms before applying. The letter says no over limit fees and no penalty APR. However, you start paying interest as soon as a purchase posts which means even if you pay it before the due date you have accrued interest. There are set-up/maintenance fees that are billed monthly and late payment fees. You pay membership in year 1 up front and monthly in following years.

I have had this card for a little over a year or maybe about a year. To start they didn't send me my bill until it was overdue. When I finally did get my bill I saw so many interest this, interest that and of course the late fee that became my fault. Needless to say I was annoyed. I only owed $50.88 with a credit of $400 so there was money in the acct, but they decided to freeze my account until the posted date check cleared which was for this Thursday. I was trying to make purchases and couldn't and every time I would call each CS idiot would tell me "Mrs. ** you will be able to use your acct by midnight." LIARS... Midnight would come and go and nothing until I got fed up with them with the lack of communication and PROPER ENGLISH SPEAKING C.S REPS. that I called them one last time and just closed my acct with them for numerous reasons.

Tried to talk with them and got nowhere. In this day and time everybody makes payments online. Opened account first of the year. Made payment in February of 25.00, March 18th of 50.00, March 28th of 59.95 that was for April, May 16th of 50.00. They have locked me out online. Wanted to make payment again and I was told it would cost 9.95. I checked with bank. I have had no payments returned. I paid one payment that cost me 9.95 to keep from being late. So sorry I got mixed up with these people. Scam artists!

They approved me a credit card for $500. Then they did not send me the credit card. There after, I got the bill. $100 interest fees and late payment fees. I called them, and they promised to close the lost card account, and send me a new one. Got that card and activated it. Went to use, Declined! I called them. They said I didn't make my $75 payment. I stated I didn't get the bill and just got the card, as the first card was lost!? The Chinese rep babbled on like a robot. Repeating over and over they didn't get my payment while I tried to explain. This was the LAST STRAW, I CLOSED THE ACCOUNT!

I just used my card for the first time a few times. When I looked up my balance, there was a $19.00 charge for authorized user fee. What in the heck is that? Never heard of such a thing. I am concerned now at reading so many negative reviews about this card. Depending what they tell me when I call on Monday I may never use this card again.

Just received a new Credit One Bank credit card with a $1400 credit limit. I received the first statement and paid it in full. I booked several airline flights during my second billing cycle. I paid a little over $1,000.00 on the account via the Credit One website. I checked my bank account a couple of days later and the funds had been withdrawn. Exactly one week later, this company send me a letter saying my payment wasn't verified, my account was frozen and if I didn't have my bank send them a letter in several weeks they would close the account and report it to the credit agencies. When I called them, they said this was for my security. What??!!! I couldn't get anyone that spoke clear English. They kept apologizing and telling me it was for my own security.

The wife and I filed bankruptcy and applied for this card within a month of discharge. Was instantly approved for a $500 credit line. All the fees are spelled out in their terms. Yes they charge interest from day one, and there is a $45 annual fee, but you can get your annual fee reduced to $25. I called and told them I didn't want to open the account when I received the card and they lowered it immediately. Yes the person was from a foreign country and a little difficult to understand but what customer service rep isn't these days. I was not on hold forever, they were not rude to me everything was just fine.

The company kept calling my husband before the first bill due date demanding for payment. I told them that he wasn't available, but the person on the phone insisted that I should make a payment on behalf of him. I told him that I would take care of it as soon as I get home since I was driving... The rep insisted that I pull my car to the side of the road so that I can make payment arrangements for a bill that wasn't even past due. I don't know what company tells you to pull over so that you can make payment arrangement.

I received a letter in the mail in another state (ex in laws address which I have NEVER received mail at and don't even know the address of) stating that I owed Credit One Bank over $1000. It also came under my (10 years ago now) maiden name. I have never heard of Credit One Bank much less had an account with them. I do have a Capitol One credit card but it only has a $400 limit and is in current good standing. I don't know who this company is or where they came from.

I got my card in the mail today which like any other card it says to call to activate it and then you should be able to use it. When I called the person on the other line wanted me to send a copy of my drivers licenses and a few other important things. I have never had a credit card company tell me that I had to send them that information for them to activate my credit card! This sounds like a scam to me big time! How do I report them and make them bring my credit back up the 40 points they took away from it when I opened the card?

Never thought I would care enough to create an account and complain on here but here I am. Credit One is a sneaky company with horrible customer service. I made my payment on time and they still hit me with a return fee putting me over the limit.

I just received advertisement and application thru mail. I wanted to opt out of receiving more through my mailbox. Called and it ask for my social security number, I never sent for this application to be sent to me, so why ask for my social security number and not the address. RED FLAG PEOPLE!!!

I receive a bill for a card I never activated, 75.00. When I called them to address the situation I couldn't understand the man ** and he asked me to verify the account. As I did he activated the card. I was very angry. I didn't know this as I was being told the account will be closed but as soon as I hung up I received an email Congrats my card was activated. I called back and ** said he was closing the account now, but if there is a balance I have to pay. This is a fraud and the BBB and the Consumer Affairs had done nothing to help us. I filed complaint with BBB and it was closed the minute I filed..... Weird.

My name is Juan **. Since I being with this bank, the service is totally bad. Customer service people are very rude, not professional at all. Is several months already and Credit One Bank don't send me my bill statement in order to pay them what I owe. Called customer service many times. They hang up the phone on me 5 times. They ruining my credit. How can a bank operate like that? Not respecting their customers. Providing a complete disaster service. With not professional, trained personnel. Many of them very rude. Also barely speaking English language.

I just called credit one to find out why about 5 months ago, I tried to cancel my card and yet, they kept sending me a fee and interest charge. I paid it off when I tried to cancel it, and I just paid it off again. (the fees and interest) It was due on the 8th of the month and was posted on the 7th. Saturday I received another bill for fees and interest and when I called to find out what was going on and why I had paid the last bill BEFORE the due date and why I cannot seem to get this card canceled. The non English speaking woman said, "I have to disconnect you now," and hung up on me. Before she did this I asked her why I had gotten another bill, and said I wanted this canceled, AND I do not even have the card anymore. I am so frustrated, I could scream. If anyone knows who I can talk to that would understand me, so I can cancel this damn thing, please let me know. Thank you.

I implore you to not get this card. I made a payment online and after taking the payment from my account they said the bank rejected the transaction and closed my account. When I called their Offshore C/S department they ensured the issue would be resolved in 24-48 hours, over the next 7 days they ensured that. It is next to impossible to get ahold of an American that has any power or ability to understand English in its most simple form. Even if you are desperate for a credit card go to Capital One, not this knock off.

I have had this credit card for about 5 months now. I messed up my credit pretty bad when I was younger and have worked pretty hard to get it to a place where I can get what I want. Although not a perfect creditor (can't plan or arrange payments in the future), it has been great to me. I think all of you complaining about the problems are just "repeat offenders". You messed up your credit and now are repeating what you did before. I pay my credit card up to 3 different times before and have already had an automatic credit line increase. If you are complaining about the bad service just pay on time, it's so freaking simple. Just pay, you haven't ever before and they finally give you a chance and you don't follow through? Your review is worthless.

I am utterly sick of these morons at C1. My father is in hospital, very seriously ill. Every time the phone rings I think it is the hospital ringing, but it is just these ** people at CAPITAL ONE whining on that I must pay them more money, that what I have paid isn't enough, etc. etc. I have asked them to stop phoning. Ignored. Yelled at them down the phone. Ignored. I am now taking legal action. Amount owed?? Under £29.00.

When I received an approval letter, I unfortunately did not look at the logo close enough. I thought it was from Capital One, not Credit One. Anyway, I realized it was my mistake. So, I am trying to pay the $75 fee then cancel. CREDIT ONE makes it very difficult to pay your bill. The standard method online is no charge (but they said transaction was declined) WHY?? The money is still in the bank! You can use the express method which cost a fee of $10.They said my first $25 standard payment posted. I checked and the bank, they showed it had not been taken. Then checked my card account and found they declined the transaction. Now I have to make the same payment again. But it has to be done over the phone and considered an express payment with an additional charge of $10. Going to pay the fees and cancel the card. The card is unused. I just received it a few days ago.

They sent me a card on day one with 100 Dollars of charges on it and a 500$ limit. So if I had spent practically anything it would have put me over 50% of my credit limit which hurts my credit score. Also I was on the phone talking to multiple people who can't speak English clearly and had to transfer my call to everyone in the building before shutting my account down which forced me to pay the 100 THEY charged on the card. Do not get this card. It is a scam.

I applied for and received a credit card from Credit One in January 2015. I did not realize that there was a $75.00 annual fee (my mistake) I used the card twice for gas purchases only. There was supposed to be a 1% cash back. I did not receive the 1% cash back on the only two purchases I used the card for. In February the $75 annual fee was removed and my February and March statement reflect this. Now, suddenly my April statement shows that I owe $74.82! I have not used the card. I have called and they don't seem to understand.

Since I open this account, I have had nothing but problems with them. I have put in my banking information and did can even get that right. They frozen my online account so I can't even look at my balance. I wouldn't get this card. When I paid my balance I'm stopping my card. DO NOT GET CREDIT ONE CARD.

I've been a credit one card holder for a long time. No problems until now. Somehow, the computer tried to access my savings account for an online payment. That account is not allowed to make payments. They claim it was returned unpaid twice & closed the account. Seems they could have contacted me when it happened so I could fix it. Of course they blame me. If they don't re-instate my account, I will sue them for discrimination. This closing is affecting my health since I have to depend on my credit cards for health care.

I was invited to accept this cc. I called to get a better rate credit for the annual fee and credit for the custom cc itself. Every time you call you get INDIA WORLD... ISH RAMIE GA DAMIE... I was told ONCE I activated the card all of the above would happen. I activated the card and had to hound, hassle and call a gazillion times to get $25 credit towards the annual fee and the $6.99 custom card fee. THEY REFUSE TO ISSUE ME THE REMAINING $20 CREDIT FOR THE ANNUAL FEE. THEY WILL TELL YOU "YES WE WILL DO THIS BUT CALL BACK IN A WEEK FOR THE CREDIT". THEN WHEN YOU CALL THEY SAY NO AND THE GAMES BEGIN AGAIN....

Lost my card, called CS. Get someone not well-versed in English. 39 minutes later FINALLY get the acct. terminated and new cards issued. Next day payment due...try to go online to make payment, says acct. suspended. Again call CS...again foreign service center and language barrier. Lady keeps telling me I don't know my password and close browser try again...told her I do know PW, now get me a supervisor...I am MAD. She refused and I hung up.

I just received an approval for credit and mistaken them for Capital One. I swear their logo is almost or just like Capital One. I went and read all the reviews about this company and not one of them is good. All 1 star even for our service people that are deployed. I am throwing this away because if they can't treat our men and woman right that serve our country and not one comment has above 1 star and looks almost like another credit card company, then that means something is wrong with this company. I'd steer clear. Just my 2 cents.

I've read hundreds of complaints but obviously all of you have terrible credit like myself and if it takes paying a couple extra dollars to help me in the long run it's probably money that I didn't pay out before I filed bankruptcy. My hats off to these foreigners - they found a way to make themselves money and help low credit scorers like myself. Thanks Credit One.

I have not paid on my account in a while. $200. I had planned on paying and getting my account caught up but I am afraid to talk to anyone from the company. They put pressure on you, to pay what you know you can't afford, and will harass you and threaten you. They call me every single day from all their locations around the United States numerous times over and over and over again. They called my mother and told her I was in trouble. She asked if it was a collection agency. ** told her it was way beyond a collection agency, this has gone on too far and if I didn't call they were going to take legal action.

I was trying to rebuild my credit after a bankruptcy and knew and understood about the high rates and fees that go with it since it's a risk for them. But after about the 3rd month of making online payments from my bank account, they stopped accepting it and started charging me all kinds of late fees and after talking with their call center, I finally got a manager and she was very rude just like the call center and could not give me answers and then they closed my account. I paid them off but would not recommend anyone to do business with them. A LOW LIFE COMPANY!!

I been trying to make my payments on time but they are giving me hard time. Online it kick me out in the last months, last year didn't have any problems. Same account same bank. Why? To make more money. So they charge you 9.99 if you pay by phone. I did call them many times about this. I got transfer and transfer a few times, no result.

I was skeptical at first about getting this card because of the bad reviews. But decided to go ahead and sign up for it and I'm so glad that I did. I have not had any bad experiences whatsoever with this card. As a matter of fact they raised my credit after just 3 months. Now I have a card with Capital One also and that raised my credit in a whole year a whole year. So you decide for yourself and stop listening to the bad reviews. And I am a real customer and no one paid me to say this!!!

I opened this credit card February 2014, they charged $99.00 for me and same amount for the additional card holder. I called to cancel the additional card and they charged me again for that card this February even though the card is cancelled. Also they've been charging me $9.53 a month. I barely noticed it because my balance was low, I didn't pay much attention until last month that the account was paid off they continued to charge the $9.53. Please be aware and read the fine lines because that's their line that we don't read the agreement. What a rip off. Thank God I closed this account.

I am being charged for fees that are not fair. I paid the balance on my card in full according to the representative and was told that the card is closed. So now I'm getting collection calls stating that I have more fees added to a "closed" account. And no one is willing to drop the fees that keep adding up on a closed account. Worst card ever! I would not recommend this for anybody!

I made a hotel reservation with this card. I was unable to go. I called Credit One, Mandel got some person in India. Explained the situation, And asked to cancel the transaction. Gave him the info. He said he would take care of it no problem. Checked my online statement, nothing was done. Called back, and was told sorry. As soon as I pay my balance off, this piece of ** card from a piece of ** company, is history. Sorry Credit one.

I have went through a divorce a few years ago. It smashed my credit score. Credit One Bank credit card gave me a chance to restart my credit rebuilding. I highly recommend it for people starting out or rebuilding. If you are on time with your payments, they boost your credit. Don't use it all at once and keep the balance low. You will see your credit rise slowly but surely.

I checked my balance Thursday it was $89. Two days later $103, the next day $112. I didn't use the card at all on those days so it was interest just kept piling up. I paid it off today.

I was one day late and unbeknownst to me over my credit limit and Credit One Bank credit card called my work phone number. I do not have my work phone number listed in my information and have not given permission for calls.

It took approximately six months before this company started reporting. I felt like that was a long time, but I guess that's the cost of having poor credit.

I report Fraud on my Account on 2/10/15, fill out affidavit on 2/23/15. Call today 5/1/2015 to check on what is going on with the Account. I'm told they closed the account today 5/1/2015 for fraud on the new card that I never received and that the new card had been mailed on 2/13/15. And now, they are doing new affidavit for that fraud. Maybe I need to get a lawyer to get this fixed, I'm sure they will send me a bill for the fraud charges being made on the card I never received. Seems that the bank keeps sending me bills for the things I did not buy on the card I never received. Oh and they seem to get the address right when they won't me to the bill. Do not deal with this bank, they will rip you off.

I got a credit card with Credit One bank in hopes to build my credit up. The customer service don't speak English so it's communicate with them. The Credit One double my payment when I had a difficult time getting my payment through because they miss two numbers on my bank account. Credit One say it's free to pay your bill online but I get charge 10.00 every time I pay. Their interest rate is high. I just wanted to pay them off. Get rid of them. RIP OFF.

I received an offer in the mail of a $300 credit card with Credit One. I do not have the best credit so I figured this would help work on that, boy was I wrong!! I used my card up to $250 when it was stolen at 711 gas station. 3 days later I went to use it realizing it was gone. I called right away to report it stolen. It took 30 mins to get someone on the phone who barely spoke English. They said the account was closed and I would receive something in the mail and a new card. I asked what the balance currently was he said, "I can't see as of right now ma'am." I advised I was sure I only used 250 as shown online. I told him I would try to log into my account and check and see for myself. He was ok with that at first until I tried going on my account to realize "I cannot be found in the system." I called twice to be hung up on.

Almost 2 years ago I applied for the card and started with a $300 limit. I have never been late and rarely paid the minimum. I now have a credit score in the low 700's and these people said (in broken English) that they refuse to lower my rate. No problem... first they rob me with the rate. Then they rob me because I want to pay the balance with a 0-interest CC, and they charge me $9.95. Calling to complain does no good. They claim to not have supervisors, they are either in the Philippines or India. So what I'm doing as soon as I finish this posting is writing to the Attorney General of Washington State, The BBB, and some of Washington State's Law Makers. I'll be CCing my attorney also. I WOULD NOT RECOMMEND THIS CREDIT CARD TO MY WORST ENEMY!!! BEWARE.

Called in regarding payment and why the payment amount changed. I always call and verify what the minimum payment is before I make a payment to make sure that I don't pay less than the minimum amount. Called in, it stated $32 so I paid $32. One day later, received notification of a late payment. Listen to system, it indicated minimum amount was now $37. Spoke with the rep. Rep stated don't worry about it, he would transfer the $5 to next month's payment and that no payment was needed at the time and my next payment was due May. I told the rep 3 times I can just pay the $5, that way everything was good and the rep said no need, he took care of it. I again told he I'll just pay he said, "no need ma'am" 'cause he took care of it.

I pay all of my credit cards on time online and made a mistake with my bank card information twice. This was an error but the money was in my account. They stopped the use of my card. I called several times and even spoke to a manager ** and explained my case. After a few times of explaining I asked them to close my account but to give me access online to pay my bill. They told me to fax a letter to 702-967-1565 and to ask them to lift my account off of restriction with an explanation on 2/19/15 and today is 4/29/15 and I still can't access my account. Every time I call I get the billing department in India and they can't understand me and I can't understand them. I regret that I ever opened this account!

Short version - got the card to help credit, balance has been paid in full, have not use the card in a long time. Just noticed I keep paying a fee 8.68 every month. I called, they're charging me an annual fee every month because I do not use the card. Unbelievable. I called, I said I want to cancel. She said it would ruin my credit. I said I don't care. Do not, do not, do not get a card from these people. I'm just hoping I don't have another fee next month. I will be so livid.

I've read several negative reviews about Credit One bank credit card, but applied anyway. Several of the complaints was about the upfront cost of $75.00 for the annual membership cost. I received my card about two ago and proceeded to activate and went online and reviewed my account. At that time I went online and setup my account and noticed that I was not billed the yearly membership fee, just a fee of $35.00 that is due by 5/22/15. I'm not saying that this is the best card, but they took a chance on me when no one else would and for that am grateful. Those folks that made those negative reviews about the card, should realize that Credit One didn't force you to apply.

Their website is just trash. It's not very helpful because they just give you a lot of FAQ and most of the time, they don't even make sense. I wanted to request a PIN so I can get cash from an ATM. Went to their website to find out how I can get one. I went into the FAQ section and there was a question there saying "Can I request a PIN online?" it just says, Yes, You can, blah blah blah... no links to the page where I can request the PIN and I tried for a while to find this PIN requesting page, I gave up, couldn't find it (because there is none).

Cat Credit started, it is unbelievable but just card charges for everything and then some. The only good thing about this card is it helped me begin to rebuild my credit and now that started I should dump it in the ocean. Will never rise again, I mean it. I don't complain much every every every month charge on top of charge to me. That is deception, legally probably it is not.

So in continuation to a sour first impression with this product. I called the customer service and I must say I did not wait that long at all. I got in touch with a customer service rep ** I guess you can say they're outsourced.

I applied for this credit card company so I could build up my credit. Yeah, the interest rate was high, but what do you expect when you're just building from the bottom? I paid everything on time, never had a problem, but keep in mind they charge for everything. The credit line increase, they'd charge for that. They have monthly fees, and as well as charging you if you pay online. When I finally decided to close the account, had no way of contacting a person you could actually talk to. Good thing I knew that if you just hitting the * key, it will finally transfer you to an actual human being.

I have had a Credit One Bank Credit Card for years with no problems whatsoever. However, last October they declined a charge from a merchant in the Bahamas. This merchant has been charging my card monthly for dockage for my boat. When I called I was told they were having problems with that merchant. I called the merchant and they told me they never had any problems with Credit One. I called back to Credit One and this time they said there was no reason for the decline but because of the decline I would have to have a new card issued. I said, "Fine, please send it to me."

I applied for a Capital One Credit Card in hopes of helping my credit after the death of my husband. I only had a $500 limit so I wanted to purchase easter gifts for my two children. I spent $118 total... two days later I received a phone call from an Indian woman who could barely speak English. So after 15 minutes of being on the phone with her, I realized I was being harassed by her for me using MY credit card for my own purchases. She told me that I was suppose to only use MY credit card to transfer my balance from another credit card to the Credit one card. I have never in my life heard of this. Well, the harassment only began from that day forward. I continued getting harassed on a daily basis of up to 5-6 times per day, on Saturday and sundays, holidays etc... all hours of the day and night. Mind you, I wasn't late with my payment nor was my payment even due... they have caused me stress, anxiety, nervousness, etc over nothing.

I got this credit card but after reading the reviews about payment problems I made sure I paid well on advance. However I just got burned anyway. Grrr. Logged on to the website with my computer at first then downloaded and used the app for my phone. Go figure the payment said good to go but it never went through. So I get a call saying I never made my measly 25.00 payment. Yes I did. He says it doesn't show. Talked about how I logged on my computer etc. I said I used the mobile app. He says he knows nothing about the app and I should have used my desktop. Really. So mad. Advice - don't use this card. Cut it up and use Capital One. Don't even apply. I will be paying this card off and chopping it up. I think they purposely do this for the fees. And if you have this card. DO NOT USE THE APP.

No one speaks good English, everyone has a heavy accent. I recently paid my balance down to 10%, two weeks later I get a message saying my balance is over the limit. I called to discuss this issue. They told me there is recent pending transactions, the non pending transactions and pending transactions from a MONTH ago just reflected on my account. Furthermore when I did the math it did not add up!

I try to go online to make payment every month, I've been having issue when I try to make payment and it happens for me 2 months already! It always said website not working but so funny, every time when I passed my regular payment time, then the website is back again. So today I called the Credit One customer service for my regular payment because I don’t want to pay that extra stupid late fee again and it’s not even my fault. They've been "HANG UP" on me 3 times and ask me to pay the $9.95 for the charge for express payment, which is not making sense because I just want to pay regular payment! I am so pissed off and I want to see any way I can filed a complaint to this nonsense credit card company!!! :(

I'm a new customer to this credit card. I was unaware that there was a time cut off on the date for your payment. I called in on my due date told the lady what I wanted to pay. She told me there would be a $9.95 phone payment charge. I asked her if I could make the payment online to avoid the charge. She said "yes. But you're already going to be charged a late fee so just make your payment now!" She started to get attitude with me and I asked for her supervisor. She said no call customer service tomorrow. I again asked for a supervisor. She then placed me on hold and hung up. I finally was able to get back through and talked to a supervisor after being on hold for 12 minutes. I would not recommend this card to anyone!

I paid off my card in March which my statement said I owed $10.16. They have been calling me that I am behind my payment and I asked how. First that I owe interest for the $10.16 which doesn't make sense since it's what I owed and second a $8.25 annual fee. Then also a late fee of $8.35. I was going to make the payment and to finally call on Monday and close the card. Then she says I will owe interest on what I owe plus a $9.50 processing fee! It's ridiculous they are trying to get money from wherever they can. I would be surprised if they try to charge me a closing out fee. Don't get the card. It's not worth it in the long run. Oh and when you're eligible to get a higher limit they charge a fee for that as well. Fees for everything!!!!

I got this card to rebuild my credit. I paid bills early each month. I used express pay for a ten dollar fee. I tried using a standard payment and that's when they got me. They said they couldn't verify my bank account information. They closed my account without telling me and my credit score plummeted 70 points. Do not under any circumstances get this card.

REMEMBER! YOU CAN ASK TO SPEAK TO SOMEONE IN THE UNITED STATES AT ANY TIME DURING THE PHONE CALL AND THEY HAVE TO TRANSFER YOU!!! In March, 2015, I paid this credit card in full of over $1500. Then I get my statement yesterday and there is an interest charge of $6.66. I called today to get that removed since I paid in full. (Now you need to know that I paid several credit cards off last month and none of them gave me a hard time removing the finance charge since I paid in full, and told me it was no problem.) BUT Credit One said, "No!" right off the start. I ask why and was told it was a finance charge (as if I did not know). I ask again and he would not budge. So I ask for a supervisor and he stated the same thing, "No!" on taking off finance charge.

Credit One makes it very hard for me to pay my bill. I try to do this by phone and they will only accept an express payment by phone, charging something like $9.00. I try to do it online and they make that very hard too. They want me to go through Mint Bills to make my online payment which costs about $6.00 to do so. They tell me it is free to make a payment online but when trying to establish my account, it keeps kicking me out of their server and being forced to pay them through Mint Bills.

I paid off my card with MY checking account. They froze my account and told me I needed to send a letter from my bank proving the account belonged to me due to fraud or they were going to close my account and report it as closed by CREDITOR. I happened to be in Vegas and mailed the letter from the PO in Vegas. Needless to say, 10 days later they still haven't received my letter. They stated it takes 7-10 days to receive the letter and another 7-10 days to process the letter. I'm sure after all of this, they still are going to close my account, but I will be disputing this my ALL my credit reports. Also, they are still charging me interest on a 0 balance card. Since my online account is frozen I have to pay on the phone which is a $12 fee.

I have made several attempts to resolve Log-in problems to pay my account. I have made several telephone calls into Credit One and after two months I found I still could not log in and now it states I'm temporarily suspended. I call again and now they state your account has been charged off. I now brought this matter to the Office of the Comptroller of the ! recommend everyone to contact the Comptroller office to stop this Bank from conducting business. You can reach the office and file a complaint Phone 800-613-6743. They will help to get your issue resolved.

I have been wanting to pay this company off from the beginning and finally got the money to pay off the entire $1000 statement! I borrowed it just to get away from these horrible trolls. They start calling one-two weeks BEFORE your payment is due, which I consider harassment and when I used to make double payments, my balance would go higher than the previous statement and my minimum payment due would be the double payment that I had just made! These people need to be taken to task and shame on me for falling into the trap. Wish me luck on closing this **... there is NOWHERE ON THEIR WEBSITE THAT YOU CAN CLOSE YOUR ACCOUNT as with others that I've just paid off. There is something very shady about these people and their foreign accents, speaking of, they can barely speak our language. Really ticked off at myself though!

Before 2008 I had very good credit (757). As with many, the only reason I went with a card with such poor terms ($75 annual fee and high APR) was because I must rebuild my poor credit since my bankruptcy since the 2008 crash. I realized I'd be paying these high fees but I had no idea how bad they can be. I have had this card for one month now. For the bank, I'm their lowest risk customer. I pay my balance in full as soon as it appears on my account (4-9 days). Thus I hit a $0 balance frequently throughout the month.

My son applied for this card that was promoted as no annual fee. But they do charge a $75 fee that is only disclosed when you receive the card. Then, by the first statement they charge interest and a late fee on the $75 fee! He owed over $100 without making a purchase! They claim it's a card to help people build credit but it's actually a scheme to rip off those who perhaps can't get a better card. They charge these hidden fees, they charge interest starting day 1 of a purchase, no 30 days to pay the balance, interest is immediate and compounded! Customer service is all in India and The Philippines and can't help with any complaints - you have to keep escalating your complaint to get to someone in Nevada who can actually help. They are taking advantage of people who may have little or not good credit! Stay away from this one!!

I do not recommend this company to anyone. I have had nothing but problems with them. The most recent issue, I paid the extra $10 fee to have an express payment made, so funds would be available sooner. Come to find out that they cancelled my card, without notifying me, and said they will send out a new card, and I should have it in 10 to 12 days. They would not refund the $10 express payment fee. I am not behind on payments, and have an excellent payment history with them. So, now I'm stuck unable to access my money for the next 12 days. I also asked to speak with a supervisor twice during my call, and the customer service rep REFUSED to let me speak to one. UNACCEPTABLE. I will be closing my account with this company, and highly recommend that you do not get a card through them.

Over 7 years ago I received an offer from CreditOne Bank and I accepted it. For over 6 years I paid my bill on time and every time it was way more than the minimum payment. I was so good that they kept praising me and praising how I kept up my finances to the point that kept increasing my CL from 300 to 1425. One time, AS ALWAYS, I paid my bill ON TIME but on my next statement I realized that they charged me a late fee (I think it was $35.) I called and the lady who answered from India (as they always do. They have no one in the US) told me that even though I paid on the day it was due, my payment was 50 MINUTES late.

Besides loan sharks, never have I seen a credit card company charge interest from the first day of purchase. You cannot avoid a monthly interest payment with Credit One (who from this point forward, will be aka ScamOne). In fact they charge interest on the basis of an Average Daily Balance. So if you go off on a shopping spree and spend that initial limit of $300, better pay right away, because if you pay on the due date, you already owe them $306. Understand my own habits: I always pay in full my CC balance, and usually pay a week prior to the due date.