Credit One Bank Reviews

Last month and now this month, I received excess calls about my wife's account. By excess, I mean 2 and 3 calls per day from Credit One. I checked online on Friday 18, 2015 - payment was not showing. I called back on Monday 2/23/2015 and it shows it being paid. My wife pays her bills with a debit card and that account shows it being paid on 2/18/2015. Their agent and her supervisor said they made no calls. Something is wrong and it needs to be checked out.

I paid my bill off last year and tried to cancel my card. They say I still owe them money even though I have not used the card. The main thing that upsets me is they call me on Sunday morning while I am in church. They have done this the last two Sundays.

Credit One, your website should not be so difficult. All I wanted was to see my statement and there is nothing that shows it. I called and the lady says I need to call Customer Service so I waited. And Nothing! Finally she said, "do you want something else?" I said, "Yes, customer service." She said I would have to call back. WHAT? OH MY GOSH!

A Business called HEALTH DIRECT on my Visa card billed my account for an unauthorized charge. I called immediately to have the charge removed. I even tried to call twice at 1-818-303-9260 and was hung up on. When I received my Credit One Bank statement the name and number were different than on the billing statement. I sent them a copy to Las Vegas Office to complain. I got no help to help resolve my problem.

I have been with Credit One Bank a little over a year now. The annual fee is ridiculous, the customer service are not customer service people. What I mean by this is they aren't there to help you, just collect more money from you. Anytime you need help, you might as well sit on hold. They never call you back when they say they are going to. Charging fee after fee. This is supposed to be a credit card company that helps you, not eats you up with charge after charge. I don't care how desperate you are, go elsewhere. The only reason I still have them is to maintain credit history. It sucks to have to pay a monthly payment basically to them to keep my credit score. Close the account yourself, but that goes against you. It never will close because of the charges monthly. UGH!

I got charged an annual fee upon receiving my card. I got charged finance interest every month even though I paid my balance right before the billing cut off. Someone spoke to me from the customer service that they count the interest from the time of the purchase. Is this really a legal transaction? I don't get it.

Thought I was applying for a 2nd Capital One Card. I have great credit but wanted a separate card for vacation and I just like them. Credit One even uses their logo. Received card and just after activating it I saw that I was wrong. Yes I know I should have paid better attention. Since I had never heard of them I wanted to see other reviews, I was scared that's for sure. While talking to them cancel the card Jennifer (if that was even her real name since she had a very strong accent) kept calling me Ma'am. Really! I even corrected her at least 10 times. They said I could just try it out, NO THANK YOU! It is supposedly closed. Will check for the next few months to make sure. I now have the Consumer Financial Protection Bureau on speed dial just in case.

This is THE WORST credit card company we have ever been with. We were charged for not even using the card. I called customer service and freaked out on them. Could barely understand the representative, but I managed to FINALLY get my point across. You're in America. Speak freaking English!!! As soon as we pay it off, we will never get a card with them again. I'm charged interest even though I pay my minimum payment on time. Every month. I'm not a fan of Credit One Bank. At all.

There are so many different types of charges they continuously add to your account. They raised my limit from $300.00 to $600 and then charges me $25.95 to do so. For the last 2 to 3 months I've been having problems even logging into my account to review it and/or make a payment. Everytime I try it brings me to a page where I had to enter information to apply for another card, which I do not want. Everything I click on, even the contact us link, brings me to this pre approval page. I have been unsuccessful at logging in today due to this. Even if I click on the space to enter my login name it automatically brings me to this page again. I do not want another card through this company, nor will I ever.

Had my account for only 3 mos and have had a late charge 2/3. What a scam! The AG should investigate this company. I closed my account.

This is one of the worst credit card companies to get a card with. Their payment cut off time is unfair to the customer, they don't even take in to consideration if you're on a different time zone. I tried making a payment the same day my payment was due and they gave me a late fee. There are no options to help the customer. No automatic payment feature, no mobile device feature and their online service sucks. There is a fee for everything and when I say everything I mean EVERYTHING. The customer service is horrible, the annual fee of $75 was placed on my account. Didn't even have the card 2 weeks after I found out my payment was late which I'm never late on a payment, couldn't be waived. Just for future, people looking to establish credit with a helpful company don't go to credit one.

I made a payment of 200 dollars at the end of January and they "lost" it saying that they sent it back to my bank even though I have nothing showing that they sent it back. Then they made me pay them 310 dollars to be completely done with them even though my limit was 300 dollars and the lady told me she would not charge me the one time fee even though she did. I will never deal with them again. I got an attitude from each person I talked to and I will be telling everyone I know to never use this site. My credit is completely shot because of them!

I got my COB card and used it sparingly then they kept calling me. But when I answered the 855-306-4247 number I was called from, i just got a voice WHICH WAS SO DIFFICULT TO UNDERSTAND, saying give me your account number (which I didn't have off-hand) then give me your social security number. ARE YOU NUTS? I call COB and after 39 minutes on hold, I got another person WHO DOESN'T SPEAK ENGLISH. I got hung up on FIVE times. I called back BEGGING for someone who I could understand. They charged me $25 for a one-day late payment I didn't even know I was being charged for. After one hour and 49 minutes, it was canceled. YOU SHOULD BE ASHAMED OF YOURSELF COB. GET PEOPLE ON THE PHONE LINES THAT HAVE A WORKING KNOWLEDGE OF ENGLISH. I IMPLORE everyone who has a bad experience to call them.

On January 19, 2015 I submit an application online supposedly to Capital One for Walmart. Once I had finish the application it said it was approved. I been waiting for the card to arrived but instead I got a letter requesting documents, such as copy of my driver's license, copy of social security and my current w-2 form. I don't feel right about sending my identity documents.

After reading the reviews, I know I am not the only one going through this. Locked out of my account, phone calls all night and day (the most I had was 18 in one day), and the utter lack of communication from the Credit Card Company. Credit One Bank is breaking the law with their practices and you can get it removed from your report. Look up the FDCPA Act and do your research. Do all of your correspondence with them via writing, and keep copies! Please tell your friends about these people so they do not get scammed too!

Kept calling them for a bill. Never got one and they call me up, said I was late, and I gave debit card and charge me 9.00 dollar for using my debit card. My past due amount was 25.00 dollar - they charge 35.00 dollar extra. One week later after I pay my bill, I got my statement. Now I see they are doing again. I got 20.00 of and it's been a week now and nothing show up on the computer of how much I owe and you can't make a payment if show you don't owe anything. And I call them a couple time and said the bill is on it's way - after you late they send to.

My husband and I both have credit cards through this company and we never missed a payment because I pay our cards with my disability card. My husband got his federal income tax back and paid almost $700 and froze our cards now they refuse to refund or lift the freeze. They are thieves.

I was told to make a phone payment. It would cost me $9.00 and I told the clerk I would go online to pay. After setting up a username and password and changing it 3 times, the web still will not let me on, making me not have a choice but to call back and pay the $9.00. My first payment made took almost 15 days to post costing me a late fee but the girl did credit off the $25.00 late fee after I told her what date I wrote and mailed the check. I have been trying for the last two hours to sign on and make a payment.

I've been paying my credit card statement in full every month before the due date. Every month when I receive my statement it shows I'm getting charged interest on my balance that is added to my credit card at the rate of 19.90%. Most credit cards don't ever charge interest if the balance is paid in full every month before the due date. I am angry that I'm getting charged these fees. Should I take them to court? I would close my account normally but am trying to rebuild my credit and need this credit card.

I set up a account on their website. They told me my information was not accurate so they suspended my card even though they were receiving my payment. They told me to activate or disconnect my card. I had to send them a letter from my bank with my routing number then call back in 10 days.

I have a Credit One Bank Visa. I attempted to make payments online, however, Credit One bank claims that my Bank returned payment. However, my bank, a well known Credit Union, claims Credit One Bank has never, to date, submitted my online check for payment. However, Credit One Bank's customer service in India, keeps informing me that my Bank is wrong. However my bank has provided a print out that shows no request for payment from Credit One Bank. It has been impossible for me to remedy this situation, especially since Credit One Bank wants to blame everyone expect itself for whatever computer, internet, etc., error occurred, and the fact that one cannot get anyone in the U.S. on the phone, at Credit One Bank, which is beyond my control.

First and foremost, nearly every applicant receives a $300 credit limit. This by itself reduces your credit score because the limit is so low. Secondly, Credit One immediately charges $75 from the $300, leaving $225, which also reduces your credit score. Finally, since interest is compounded daily, it is next to impossible to close the account. In fact, it took two Credit One Attorneys to determine the final balance on my credit card. They continue to damage my reputation and my credit even after the account is closed and paid in full, and after losing in arbitration against a consumer. Their contact information is ** or **.

I got a Credit One card and was making monthly payments till they charged what I feel is higher interest than what we negotiated. I was in the army years ago and I am now disabled. I only get paid once a month. When I set the card up they said they would make the payment due on the day I got paid which is fine but they never did. I called into discuss switching my due date to my payday and they refused. They called me and asked me to borrow the money from a relative. I explained that I was raised in a children’s orphanage and have no family.

So every month I pay my bill twice because after I pay it off I will cancel them. But the ** tell me I can't pay my bill early and that if I don't pay on the schedule date, it will be considered late. So I told the ** on the phone "you can't stop me from paying my bill early and if it's reported on my credit report that it wasn't paid, be prepared to get sued". I throw the card in the trash just so I wouldn't be able to use it. ** this company, they're full of **.

I damaged my credit in my late teens/early twenties. Fast forward 6 years and I realized I needed to work on building my credit. Credit one bank gave me a chance. I got a small credit line and ALWAYS always always paid on time. You have to be diligent. I checked my account weekly. I never had any issues paying online and I never waited until the last minute. Customer service agents do have accents but I was always able to understand them and they were helpful and polite. This card helped me A LOT. I now have American Express cards and Discover cards in my wallet, thanks to this little starter card. When the time came to cancel it was maybe a 5 min phone call. They tried to keep me but were not overly pushy when they realized I was set on cancellation. I would recommend this card to anyone rebuilding their credit. Read the fine print. YES there is an annual fee. YES the interest rate is high. That's the price you pay to improve your score.

Had a very bad credit rating. Had no credit cards whatsoever. Every time I applied for a credit card, I was always told I didn't qualify because of a bad credit report. Applied to Credit One Bank and they accepted me. True, the amount of money allowed was only $300, but after making about 3 payments on the account, they increased the amount to $500, and they said that they would increase the maximum amount with further reviews. Since I've had the account, my credit score jump 75. I'm very satisfied with Credit One.

The first thing that upsets me is that they charge me $9.95 a month to pay my bill. I call and I speak with Glenn. I tell him I want to pay $150. So he says his usual "Along with that, you will have to pay $9.95 to process this payment." I then told Glenn "well then we can just end this phone call. I'd rather pay you nothing than to pay to pay my own bill." He then tells me that he was able to waive the $9.95 for me. Now usually I would pay online (Which I believe is free) but every time I try to pay recently, it tells me to call customer service. My belief is that they locked me out of my online account so that they can charge me $9.95 to process my payment.

The Credit One Bank appeared shady to me so I ended up here... I realized when I was reviewing the application acceptance letter that I was approved, I realized the top of the email said, "Credit One Bank." I thought that it was "Capitol One Bank" that sent an offer. I read on here that if you cancel via telephone and clip the card, you will not get charged. Realizing I am dodging a bullet, I just want to say that the practices that I have seen in these reviews are not the type I want to trust with my credit.

I saw the offer on the internet with no fees. Low interest rates. When I ordered it, some other things came up and I started reading of an 85 dollar charge every year. So when I received the card I cut it up and called them to make sure it was not activated. They said it won't even show up on your credit report because I did not activate it. Then within a few days I receive a bill for 81.25. I called and I did get her name and # and she said “no, it was not activated.” I asked then why do I have a bill for this when it was not activated. She said, "That is just sent out by the computer, just ignore it because it shows here you never activated it."

After the second month with this credit card company I had yet to receive a statement. We had yet to use the card for a purchase, yet I had a $25 late fee for the first month and then another $35 for the second month. Credit Karma reported this to me and I immediately called the "customer service". Credit one bank told me they would send out my statement on the 6th... still nothing. I raised holy hell with their customer service and the only answer I got was to go on line to check my statement. Not exactly the "legal" way to handle this type of transaction.

The worst company I have known. Bad customer service management, cheats, make use card charges in international countries. Speak well not know any language, or are not understand the english. The customer questions and they do not know that answer and take in help. Please find more options, capital one example, it is the better where 1 year and I'M delighted at all.

I was trying to pay my min. payment (and yes was late), but I had sent you 2 months ago a new address CHANGE. But aside from that issue, Yes, I did get my payment made, (or I hope it went through), I do have a Confirmation Number and I hope this was recorded.... DUE TO THE FACT I COULD NOT UNDERSTAND YOUR PHONE REP. Yes it went through but can you PLEASE put some ENGLISH SPEAKING PEOPLE TO WORK WITH AN ENGLISH SPEAKING PERSON. I have my acct no and I also have my confirmation number but this took too much time due to the fact that I had to have "your rep" repeat his sentencing too many times.

I have tried four times to access my account online only to be told they don't recognize my user name. I changed it and it was confirmed every time but when I tried to use it I got the same error message. I called every contact number on their website as well as the number on my card only to get the same voice mail message with no option to address online problems. The only way I could get a live person was to select the "lost or stolen card " option.

I made my payment on time and was expecting to get credit on the card, but they said I still owe more money on the card. And every time I make a call to them, a foreigner answers the phone. Please avoid this company at all costs. They're out to get you.

I lost my job back in December of 2013. I was still trying to make a payment too for my credit card. I now have a new job and found out that Credit One has added $114.00 to my account. As if losing the job and trying to make sure my family could eat and have a place to stay wasn't bad enough. Then I get a call from their collections team from Gary **. This was the rudest person I've had to speak on a call. He insulated the amount of the payment I was able to make, saying that "YOU MADE A PAYMENT ON DEC 12TH BUT THAT WAS ONLY -------- WHICH WASN'T ENOUGH TO COVER ANYTHING". He then proceeded to ask me "So how much of the balance can you pay today?" I replied with asking him if he was asking me to pay the balance in full. To make a long story short, Credit One will not only overload your account with fees, but they employ a ton of people with an opulence of attitude. I will pay this card off and deny any other offers created by CREDIT ONE BANK!!!

I got this card to help rebuild my credit. Year later I have fixed credit and got several better cards. I have called to cancel this card before they try to charge me another $75. It still shows I have an account, I called again, still month later is not closed. I will have to try and record call and get everyone's name but I still don't think that will help. It is like Comcast but worse because I don't get to at least get something out of it.

Credit one bank is a rip off in my eyes. They call and harassed me every single day at least 4 times a day. Some even starting at 7am in the morning. I hit a rough financial patch for a couple months, and I explained to them I was doing everything I could to maintain all my bills. They even argued back with me demanding I give them family and friends' phone numbers for them to call so I can get money from them. I mean who does this, and every time they call it's some person from India or something. But when I call them I can get in contact when I need to.

Ok, so got the card, whatever, they have their fees. Now what bugged me was the fact when I tried to get online to make a payment and it wouldn't let me in saying there was something wrong with my account? Like ok, wtf? So I called and tried to talk to some tech support and they just hung up 3 different times on me! So I waited and then of course here come the collection calls and I make my payment and tell them, “Hey, I can't get into my online account to pay” and they said they would fix it after I had made the payment and I told them, “Ok, but why couldn't I access it before my payment was even due?”

So Credit One Bank has an ingenious way of getting over on ppl by charging a late fee to your acct if you don't make a payment by a certain time on your due date rather than making it on the due date itself. I was charged a late fee 6 of 12 months in 2014. I didn't notice until Jan 2015. Just wondering why my balance didn't seem to go away since I only use the card for 2 recurring bills that's less than $40 per month combined. Customer service swear they can only waive one of the fees. So now I'm stuck paying them $125 in late fees even though I made the payment on the due date each month.

This is the worst experience I have ever had. First of all NO ONE is this company speaks ENGLISH! They ask for way too much information over and over and at the end they are unable to help!!! You are not even able to make multiple payments to your account. Something is very wrong with this so called company/bank. Hoping this is not some kind of Identity Theft!!!

Day one they charged me an annual fee. Before the due date, they called me limitless, everyday, early morning and late evening. At the beginning of each call, they asked continuously for my debit card and if I said no, they continuously asked why and tried tirelessly to get it. I went to three different bill-pay stores and this card is not in the system. They don't have physical address on the billing statement so one could visit and talk to real people. The numbers calling are always different and the people on the phone sound those scam callers! Hellooo! Can someone do something???!!!

This credit card company is more of a scam than anything else. They charge fees that are unsubstantiated, charging "annual" fees each month, even if you have a zero balance. They avoid being contacted. When I asked to cancel my account, on more than one occasion, they avoid, refuse to help and direct you elsewhere to those who happen to be unavailable. Fees continue to come out of nowhere and then they charge late fees for fees. This is a company you should avoid at all costs. Predatory at best.

Credit One bank is not Capital One bank even though they tried with the similar name. I just received my card and during the activation process a $94 balance popped up. Umm I didn't even activate the card yet. Apparently they claim to help people rebuild their credit however charging almost $100 before you even use the card is completely ridiculous... I called and canceled it immediately as should you. Stay away from these SCAMMERS.

After an hour speaking to 3 separate people I setup a payment supervisor. They stated it was not completed (it was) and charged $35. Another call and 45 min and two more foreign supervisors and they will not remove fee and want to charge more!!

I've been receiving phone calls 6 times in the past 2 hours. I decided to research the phone number, only to find that it's Credit One. They did not leave any voicemails of any kind. I logged onto my account and noticed that I still have a few days left until my Due Date. I called them asking what the call was pertaining to, and they said they wanted to call to make a payment over the phone. Before continuing, they asked for my 16-Digit Card Number, Full Name, Complete Address, COMPLETE SOCIAL SECURITY NUMBER, Primary Number, Secondary Number (Required! Can Not be the same number), Alternate Phone Number.

Ok I'm trying to get my credit back on track to buy a house. I had to file bankruptcy 3 yrs ago so I'm looking to get credit again. And this co said I was approved but when I got it and activated It I couldn't use it. Some foreigner said he would fix it but I still can't use it.

The worst credit card available. They harass you by calling you all day demanding account to be paid in full even before bill is due. I have credit cards through other companies and have never gotten a call from them. Credit One has no idea how to conduct themselves in a professional manner, they call constantly and can't even speak English well enough to talk to you. They are the worst company I have ever dealt with. They need to be investigated by the BBB or SEC. Would not recommend this headache to anyone. Their way of business should be illegal!

Not even due until January 26 and they just called trying to get me to make payment on phone!!! WHAT LEGIT COMPANY calls and harass you 2 days before the payment it's even due...I hate this credit card. Taxes can't come soon enough!!

Before I explain my story I want to say that I had marginal credit and was really looking forward to reestablish my credit. I saw this company CREDIT ONE BANK online and applied for credit card on December 17, 2014 and was approved immediately for $500 upon receipt of my credit card-approximately 10 days later I received the card. I began to read the disclosures and realize that this company charged exorbitant amounts of fees. I Immediately Called the company on January 4th, 1 day after activating the card and told them to cancelled the card for various reasons and that I had not made any charges on this card and that I wanted them to notate the account that the conversation that I was having with them was on record.

Was sent a credit card with 700.00 credit to my address from Credit One that I never asked for. I did not activate it, then two days later I get a bill for 51.95 for annual fee and premium design. I asked them how they can open up accounts like that without authorization and got no answer. I asked them to close the acct. immediately and they said they would. I will be double checking in a week.

I applied for this card at the recommendation of Credit Karma, and was approved for a very low credit limit. I read all the phone print and knew about the fees associated with the card. I received my first bill from them which I paid in full. Not needing the card I decided to just keep it for emergency situations between paydays. Then a situation arose where the card was needed and when I tried to use it the transaction declined. I contacted Credit One to verify why this happened especially since the amount I was attempting to charge was far less than the low credit limit they had set on the card and no one could give me an answer. I would not recommend this card to anyone whether looking to rebuild credit or not.

Worst company to deal with since I landed in America from Asia: A few words to Credit One Bank:

I've had Credit One for about a year. After the first few payment I made online my online account wouldn't take my password, I called cust srvc, they took my payment but charged me a fee. The next month the same. The next month I said I'm not paying a fee for trying to give you people money. At that point I cancelled my credit card and asked for a paper bill so that I could check out my fees and I would start paying them off.

First of, this is what happens when you don't take care of your credit. You are left with these options of getting a predatory credit company who risk giving credit and you have to pay for the bad service and high price to have a regular credit card. I have been a customer for a while. Can't complain except for as above. But I recently got an offer for a approved credit line increase. When I went to accept, it said declined due to my credit report. So now I have a new inquiry and was led to believe I was approved as I'm already a card holder.

Every time I send a payment, Bank One CAUSES A HARD HIT ON MY CREDIT RATING, delaying my house closing for months. Lost my wallet, called and canceled my card. Told them, "DO NOT SEND NEW CARD!" Not only did they send a new card, they added it to my bill. Guess the Indian named Tony didn't understand. NO CARD MEANS NO CARD, especially after being told I was going to be charged for it. NO OTHER CARD COMPANY CHARGED FOR THE REPLACEMENT. Do yourself a favor. When you see it in the mail, BURN IT or SHRED IT. Whatever you do, don't send it back. Read all complaints for yourself.

I have had this credit card for over eight years. I don't use it very often but lately, I've noticed that I was being charged interest even when the card wasn't used. They would bill and charge me interest in the same month but on an amount that I don't where it originated from. Upon trying to reach Customer Service, I was directed to the Philippines and India. I couldn't understand what they were talking about and they had no resolution to the problem. I think they are a rip-off for consumers. Please stay away from this company.

Attempted payment on Credit One Website. After submission, did not change screens, remained on submit screen - so exited and made payment directly from bank account. Transaction cleared my account and a second one appeared in my account. Called to verify why and no one could see it or clarify. I blocked payment with my bank after two calls to them, and they closed the account due to reject. But system should not allow two payments. They did get first payment only one due.

The customer service at Credit One is terrible. I called to make a payment and they told I could not until tomorrow morning. Why bother answering the phone at all? They won't hesitate to charge me late fees for non-payment.

Credit One Bank once again placed false late marks on my credit report when they are well aware I paid them on time. It is time to take these fools back to arbitration, where they LOST the first time!!

I received a preapproved credit app and thought it was Capital One. They charged a $75 fee, no problem I read that would happen. I'm angry, because I cannot make an online payment, or access my online account because they constantly suspend it. When I call to get it fixed, they hang up on me, you deal with India, lousy connection on the phone, full of static and very hard to hear what anyone is saying. I cannot wait to pay this off and not have to deal with them anymore. They started blowing up my phone the first month I had it because I was 8 days late on a payment. Being unable to access the online account, I had no way of even knowing when it was due at the time.

I have had emergency surgery recently and am waiting for my disability insurance to start paying me while I'm off. I contacted credit one to explain my situation and to see if they could help me out in some way as I am unable to make my monthly payment at this time as I do not have any income as of this time. They were unwilling to help me in any way other than telling me I needed to pay them a 25 dollar payment to keep me from being turned over to collections. I explained to them again about my financial situation and they told me to find someone and borrow the money to make the payment and then pay that person back. This company is totally not about helping their customers in a bad situation, only want their money or turn you into credit company and ruining your credit - very disappointed.

I received the credit one card today and when I called to activate it. This little foreigner tells me I have to mail them a copy of my driver's license and a utility bill. I told him nowhere on their website did I see that I would be required to send documents of any kind. He just repeated it over again. I told him this sounded like a scam. He simply stated that if they did not receive documents by February 7th the card would be canceled, I said good BYE!!! I pray to God above this does not mess my credit up.

I have had my COB card for close to a year now. When I first received my card, the annual fee had been added onto card, I had not gone the paperless option yet and had not received a statement for over a month and a half. By time I received the statement my payment was past due and a late fee was tacked on. I had contacted customer service explaining the situations and how I had not received a statement before first payment was due. Like so many other who have posted here, I got someone who could hardly speak English. I had asked to speak to a manager and was placed on hold for over 30 min. then hung up on. Frustrated, I just went ahead and paid late fee and set up paperless. Since then I have had no issues until here recently.

I have continually paid my credit card bills on time. The fees and the interest rates with Credit One are outrageous. I have have paid off the accounts (online) and do not get credit for money paid - they move it between accounts as they see fit. One account shows a $25.00 credit - the other shows I still owe $25.00 even though I paid each card individually, online, through Wells Fargo online banking. I have twice requested they close these accounts, they promised (by phone - only way to contact them) the accounts were closed. They are not closed. What do I do?

I just cancelled my credit card that I have had for less than 2 months because I believe their marketing to be deceptive, bordering on fraudulent. I responded to their "No Annual Fees" offer to later realize that they have an $8.00 per month fee instead after the 1st year (doubtless buried in the fine print). There is also a $75 initial fee charged (In lieu of the annual fee) for opening the account. The up to $1500 credit limit of course turned out to be $500 making the other fees in my mind usurious, particularly as a ratio to my $200 of actual purchases. I never received an initial statement so they charged me a $25 late fee which they did however waive. I asked them to at least pro-rate the initial fee for the less than 2 months that I had the card, I am not very hopeful though. I loath deceptive marketing and companies that employ it like Credit One Bank need to be called out for it.

I have had this card now for three months. Three weeks after having the card, I started to receive phone calls telling me my payment was due and I needed to express pay with a fee of $9.95 so my payment was not late. I explained I had initiated the payment through their website for $100. They said they did not get it and I need to pay right now, but according to the bill, I still had 10 days before payment was due. I reluctantly gave in and gave them my debit card information and made a payment of $100. It took 5 days for that payment to be processed and then three days later, lo and behold, another $100 came out of my account for the online payment I originally made. HUMMM??? So I just forgot about it and moved on.

Credit One Bank offered me credit of $500, which I got to help with my credit score. I did not use the card at all, ever. I never once purchased anything with the card. When my second ANNUAL FEE was billed I cancelled my account and closed out the card. I got another bill with more fees and late charges for not paying my annual fee. This added up to $77.84 in total that I paid to stop the fees from increasing. My interactions with the company's representatives offered no consolation or offer for reducing any of the fees even though I called three separate times to settle the account. Never did anyone offer to work with me on the fees on top of fees on top of fees for a card that was never used. Do not do business with this so-called "bank." The first "c" of credit is "character." This company has no character.

I read these reviews before I signed up 4 months ago. So far I have had a good experience. There are some annoying things like the 4 day delay in making a payment without paying the fee. Other than that, the website has had a 100% up time and login worked for me every time. I just recently received a $200 automated increase in credit and was not charged a fee. Also I haven't had any problems with the card being rejected at any merchants. It's not a bad card at all. Trust me there are worse cards. I will probably end up keeping it for a long time or until my credit score gets around 650+.

I applied for a Credit One Bank card and was approved for one. Then it says I should have the card within 2 weeks and it has been over a month and never received it. So I called them saying that I never received the card and send me another card within 7 to 10 business days. Then I have finally received my new card and find out that there were charges from my first card, transfer to my new card and I never received it. So I called to see about the charges and they reported them fraudulent. I asked them if I can use my card but they said I have to make payment of $25 before I can use. Why should make a payment when someone else used my card? I cannot use the card now.

They said I was preapproved for 3000 but only got 300. Ok fine whatever but then I checked my statement and there's a 75 dollar annual fee. Hell no!! I called and cancelled. I'll pay what spent but I'm not paying that annual fee.

I have been trying to get Credit One Bank off my credit history. I had a problem with them since 2008 and went to the OCC and they took and got my problem resolved or so I thought. Credit One bank has ruined my credit. I had OCC correct the problem then a few months later they resold my closed acct to another collection agency so I gave them a copy of the OCC. They closed my acct then Credit one Bank sold it again and so forth. I have sent letters to about 7 collections companies. I still cannot get it taken off my credit report. What do I have to do?

My only complaint is that I paid account in full about a month ago and then was billed 13.00 and some change for annual fees... I paid the fees and called and had the card canceled... Hopefully there are no more issues.

If there was a No-Star rating, it would be more fitting for a sham company like Credit One. I have been a cardholder for 6 months now and thought service would be similar to another credit company like Capital One (which I like), but when I saw some charges from an "Internet Service Provider" that I knew nothing about and NO CONTACT INFORMATION IS PROVIDED ON MY BILLING NOTICE TO KNOW HOW TO CONTACT WHOMEVER IS CHARGING ME. So, next I did what anyone would do and looked for the Cust. Serv. phone # to see if these were scam charges. But as it turns out, this is probably the only large company in the USA that has no telephone Customer Service and they direct customers TO WRITE ALL INQUIRIES TO THEIR VEGAS OFFICE!!! Laughable, so now I take all the time to get a letter ready for a simple $55 and $30 mischarge?

Beware of Credit One. I got approved for a Credit One Credit Card and I haven't even activated my card yet and they already charging me up the **. Here what they charged me. $75 for Annual Fee and a $6.95 for a Premium Design Fee for a plain standard card. Received the bill and I was displease with this shady company. They even have my name spelled wrong. Called in to cancel my credit card. The lady insist me keeping the card and she will waive $25 from my bill. Ain't that a **.. I haven't even activate my card. STAY AWAY FROM THIS CREDIT CARD company. I've didn't believe what others say, now it's true.

Received a "pre-approved" credit offer. When I pursued the offer, I received a communication via USPS demanding a copy of my driver's license, social security card and W-2 to process my application. WHAT?!?! No bank or credit company requires this. If this isn't a red flag that something shady is going on, I don't know what is. Someone should investigate this operation. Is this outfit using federal postal service to commit fraud???

I notice that my payment wasn't processed yet I was charged $25 for return check fee. I called them and they told me that my bank returned my payment saying "acct none transactional". So I called my bank and they said that they never even processed my payment that it doesn't even show they tried to call them and asked to speak to a supervisor because that's not right.

Since my last review on Jan. 2014 Credit One has issued a card with a $500 limit. Yes, it's got some cons - little higher % and annual fee. But overall this has started a positive path to rebuilding my credit after a bankruptcy. If you make your payments on time, every negative thing I read about can be avoided. I since then have been approved for a capital one credit card and a Kohl's credit card. Thanks to Credit One giving me a chance!

I had a Credit One Bank credit card. The fees were crazy, but I paid them. When I closed the account I talked to a rep and paid what she told me I owed. I asked if this includes all fees and interest. She said yes so I paid the total off on the phone with them. I then received my next statement on a closed account stating that I overpaid and there was a credit. I called to ask about the letter stating the account was closed (which I still don't have) and the credit. They informed me that there is no longer a credit because they made an adjustment on my account and the credit has been removed. They said that there must be a delay in the processing from when I got the total till when I paid it. Two problems with that... first if I delayed I would owe more money as the interest would go up and not have a credit. Second I paid on the phone while talking to the rep.

Their membership fee is expensive and so is their monthly administrative fees.

I was a victim of Identity theft and for 6 months I have been fighting with them to close the account and remove it from my credit report. They keep saying they've "mailed" me information that I need to fill out and return. But not only have they not mailed me anything, each time I call they tell me a different time that they actually "mailed" it to me. Not once repeating the same day (or even the same week). I've even disputed it with all 3 credit bureaus and they even "lied" to them saying the account is mine, so it keeps getting updated on my credit report. NOW! their latest scam is they say that they can't access my account anymore because there was a hold put on it because they were informed I was DECEASED! So, now they want me to mail my pay-stub and/or W-2 so the block can be unlocked! I honestly cannot believe there is a company like this in business in the USA!!!

First, their color scheme mimics the competition in order to mislead the public! They charge fees that are not explicitly indicated on the contract. Cancelling the card took 3 calls and each time I was on hold for an inordinate amount of time. I wonder whether they are legitimate.

After receiving the credit card I called to cancel the card and the company has been placing robo collection calls to me starting at 8:15 am all day until 9:15 at night even with my making my payments. I am now just paying card fees and late fees on top of fees because I never used the card.

for $81 dollars described as a fee for the card and informed me that my credit limit/balance is now $218. Not a bad way to make money. They charge you $81 for their soliciting your information in listing with them your personal information for a credit figure you are never going to receive, namely $3000. I called their customer service number 1 877 825 3242 and demanded they cancel the card.

I have been getting calls about my account at least 8 times a day. I don't need to be called so many times. I spoke with someone yesterday about my account. I can understand once a day or even twice, but not 8 or more. I would appreciate this matter to be solved.

I received an ad from Credit One in the mail and applied. When the card came, I saw that I already had a $75 balance. I called them and they said that was their yearly fee. I said that was not mentioned in the ad or I would not have applied. They claim it was mentioned (just hidden) but I still had the ad. I forwarded it to the Missouri Attorney General's Office. They said they would contact them but nothing came of it. In November I paid off my balance of $333. Then I started getting harassing phone calls from them. They said the payment got there late so they tacked on another $67 in late fees. I called a supervisor to complain. She offered to take off $25 if I paid right then. When I complied they had to add a $9.95 processing charge. Needless to say, I immediately cancelled that card. People should stay far from this outfit. The words usury, larceny, leech all come to mind.

This company has dragged me along long enough! First of all, they said that even as I was telling them about a Charge of 1.99 charge to this card that I had Discovered that this was a charge from a casting company. What I had discovered was someone that I was not about to do business with after checking their practices with a hook & bill 1.99 for 14 days with them. About 11 days after I was to be billed 35.00 then 49.00 a month, it had been about 3 almost 4 weeks since the original contact that ended with my calling Credit one Bank!! That is when I was floored to hear that they expected me to stop the casting Company as I had just relayed to the person on the line with Credit One Bank. I had just tried to have stop my credit one account from being billed and then they would stop the billing. As it turned out, not only have EVER CALLED OR STOPPED THIS CASTING COMPANY from taking any money out of my credit card and It has been a total Nightmare!!!

Received a real credit card (not one of those fake ones trying to get you to apply) in mail from this bank. Was very surprised, as I did not apply for credit from them. Information with the card said I had to call to activate it. Since I did not want it, I shredded it for security. Several days later, I received a statement in the mail from them for the $35 annual fee. Called customer service, first person hung up on me as I was looking for the account # on the statement. Second call, after a go around for a bit (basically the lady was not listening to what I was saying), I finally got her to understand this account was not opened with my permission and needed to go completely away. She did eventually claim to have closed the account and gave me a reference #. I will be monitoring my credit report to make sure it disappears.

Their website makes it virtually impossible to make a payment without assistance.

I have zero business with Credit One. I am a receptionist at a company with over 200 employees. Everyday, I receive about 15 phone calls from this company. They ask for an employee, but we have 4 employees with the same name (very common white girl name). I have told them repeatedly that until they can tell me what department, I can't help. The agents argue with me and are rude. In addition, one agent just offered to GIVE ME THE EMPLOYEE'S SOC NUMBER to verify which employee it was. This is so illegal! I don't know what else I can do, but I am really worried for the employee this affects since her personal info is out there.

These people are ridiculous and pushing. They will consistently call you for absolutely nothing when your bill is all paid up, they will call you and ask you to pay the full balance so that they may increase your credit limit. They lied about the fee and told me it was only going to be 60 dollars. When I received my bill I paid a hundred and seven dollars before I even used it. These people are terrible in the company every time you try to cancel your card trying to give you the runaround about the card. They do not help you with anything and sometimes when you try to call they do not even answer the phone.

I have had this card for about 6 weeks and it's a nightmare. I sent in a money order to pay my payment as I am in the process of changing all my account info at my bank. They have returned my money order stating insufficient funds. How the Crap does that even happen???? It’s not possible for it to be insufficient funds!!!!!! I called and spoke with customer service. They are rude and refuse to let you speak to a supervisor. I had a person call from there yesterday morning. She was very rude and yelling at me and hung up on me. When I tried to call back moments later it said the office was closed!!!!!! If the office was closed how was she calling???????? 10 attempts later miraculously the office had opened and I spoke to someone who sounded like they were from India.

They will start calling you before your bill is even due trying to collect payment. You never can talk to anyone from this company. I will be canceling this card ASAP. This is a worthless company.

In reading their decision to close my account, the bank validation received for the bank they needed was not the one they asked for. The information was not provided and unfortunately the account is not eligible to be reopened at this time. Which means they gave me my new balance and I still paid my payment days ahead like always but that fine. I will be on the list of people who are filing a class action lawsuit with Credit one also. Count me in! Again I am still paying it and I will mail payments via certified or western union.

For two months in a row a representative called me and Demanded Payment when my payment was NOT EVEN DUE YET! When I asked the rep to please advise me when the payment was due she didn't know and had to look it up. When she then told me payment was not actually due for another week I hung up on her.

We decided to take this card (like everyone else) to help rebuild our credit and we just have a small limit. We used the card twice and both times I went home logged on and paid balance in full each time from the same checking account and the third time I accidentally paid twice. They shut the card down. Cannot get our money back or get the card back on. We had our bank send a letter everything they ask for. We don't know what to do. Very angry!

I've had this credit card for about 6 months with no issues. I pay on time, never been charged unaccounted for fees. Then I get a message that I qualify for $250 credit increase for a $19.99 fee, so I accepted the increase and was OK with the fee. A week later, my card was declined for a $16 transaction. I tried it again somewhere else just to make sure it wasn't a mistake and it was declined again for a $5 transaction. So I went online to try to figure out the issue since I KNEW I had available money on the account. The website said my account has been suspended.

I paid my Credit One account in full and tried to use my card... it was denied. I called Credit One Bank and was put on hold for 15 minutes.... then I spoke with some low level customer support rep who kept asking me for my checking account routing number and bank account. I told him my bank account information was on file and he didn't need to ask for it again (I smelled scam here). He then proceeded to tell me my account was closed and my online access was no longer available. This was surprising since the previous day I was able to log onto my account and view my account --- paid in full. Now my card is de-activated and they're treating me like a criminal. Who are these people and why does our banking system allow them to operate in the US? I would trust Russian mafia over these thugs. Stay away from Credit One Bank... they're fraudulent on every front.

I've been with the company for a while. Everything was fine until I had to contact the customer service. If you call the number they have listed as "customer service" you'll end up with collection department no matter what. It's like assuming you always on collection if you are their customer? Moreover, all the calls you made will be answered by incompetent reps overseas. They either don't have the skills or you can't even understand/hear what they said, and they'll take you around the circles many times, have you reveal all your private information and tell you "I'm from collection, I can't help you with it"...

Twelve to fifteen calls on a Sunday. No message, wouldn't pick up, and then it holds the phone line when I had an emergency.

This credit card preys specifically on those with little to no credit, poor credit, or building credit. They offer a high APR (23.9% + monthly periodic rate 1.992%) in which you pay an annual fee of $100. However, if you enjoy being nickle and dimed, then this is certainly the card for you. If your card is lost, stolen, or you just need a replacement, you must pay for a replacement card ($25). If you want a credit line increase, you must pay a fee ($10). If you want to pay your bill by phone or on their website, you pay a fee ($10). If you are late by a couple of days, then you are subjected to multiple harassing phone calls, beginning in the early morning until late at night. And forget about customer service. Not happening. However, the most disturbing feature offered by this lovely bank from Las Vegas is that they begin charging the aforementioned ("reasonable") interest THE DAY a transaction is posted. Not 28 days, or 30 days... The very day. Which, I did not realize until I read the terms and conditions of an offer they sent for me to open a second line of credit.

I was given the offer to get a Credit One Bank card after a bankruptcy. I thought 'okay' the $60 a year fee is a little high but who am I to be choosy right now. However, that "$60" fee is just a smoke screen to get you to sign up. I get my card and had not even activated yet, when I get the bill, for $108.03. I called them to ask WTF?!?! and they tell me that it's the standard fee now. It's not the fee that was advertise so why should I have to pay that. Now I have canceled this card and have a 108.03+ cancellation fees bill in the mail. If you ask me, I think the government needs to step in and look at what they are doing and maybe put some folks in prison.

This is the absolute worst credit card period!!!! They had reported me late and using all my credit every month. They single-handedly dropped my score 90 points in the 4 months I had the card. You've been warned!!!

Made a mistake and hit pay the full balance on the card. Cancelled the payment and tried to make a regular payment. Would not let me. They cancelled the card and turned me over to a collection agency! My address was wrong, a different state that I never lived in. So I never got any correspondence from them. The only payment I missed was the one they would not let me make!!!!! If I would not have made phone calls I would not have known any of this. I even made an electronic payment for the Nov. payment. Hopefully I have it fixed with no help from them. Stay away from them....

Worst company to have to deal with! I had just barely opened an account with them when my card was stolen and dozens of charges were made. First thing is the horrible lack of fraud detection on this card. One place the card was used totaled 12 transactions in the matter of 15 minutes, all ranged from $1 and change (several at this amount) up to $30. A couple other stores had similar circumstance. Their response? "How are we supposed to know how you use your card?" Are you kidding me?! One of my other cards that were stolen was shut off after 3 transactions were made at the same store in a 2-hour period. Yet, this card didn't question several stores having numerous transactions in short periods of time? Ridiculous. I have had to call numerous times obviously to try to handle this, I'd say easily 12 times so far and every time I'm usually bounced to at least 2-3 people all asking the same questions. To add to this frustration, out of the dozens of people I have spoke with, all are foreigners, which is fine, however, what isn't okay is when you can barely understand any of them and they make you repeat half of what you say. For the most part, every phone call doesn't get me anywhere and I usually hang up lost and with my questions unanswered. This card is seriously not worth the hassle, no matter how bad you want a credit card.

I had to argue with them to reverse charges and file a fraud report. My card had been compromised and I was accused of making the purchases. I was told to contact the companies to ask for reimbursement because they could not do anything. I was not, until I became irate did they offer to take a fraud report and this is the second time. Also every other month, I have to change my password. Mind you, I keep a file of passwords because yes, I do forget and have so many. I can see 1, 2 times but this was happening as my card was being compromised. You can contact the "Office of Comptroller of Currency", they oversee bank. I have used them and it has produced results. Hand it over to those who have control.

Just like everyone below me, I decided to start building my credit. Got an offer in the mail for a pre-approved credit card with a credit limit of $300.00. I've been with credit one since August of 2013. It is now December of 2014 and I'm ready to close this account completely! I've been charged hidden monthly fees. I let it go after the first two months because they claimed there was a monthly fee just to have the account. Then I would make my payments ON TIME, and they'd return my payments. The last two months, they've returned my payments that I made on time, then charged me a late fee for both months, and then closed my account "temporarily". Who the hell closes an account temporarily.

I have closed my account twice now. I paid in full and closed account. Yet, I see a monthly fee charge again. I am reporting them to the BBB and now I have to contact the credit bureau services to dispute them. This is ridiculous! Do yourself a favor and DO NOT get this card! They are MORONS!

I recently closed my account for several reasons. First nowhere do they tell you in writing of the yearly fee charged on your account. The first year is $75 and I don't know how much after that. Second, they charge you interest from the date of the purchase, unlike other companies where you can pay a few days before the due date and eliminate any interest at all. Third, the interest rate they charge is 20.65% PLUS the US prime rate. That is very high. Fourth, you can't choose the date you want to pay online. If that isn't enough to NOT have one of their cards, then you will be paying through the nose for it.

I tried for 2 days to sign on to my account and finally just called. Found out that apparently they closed my account without notice for a payment that didn't go through. I asked to clarify what he was talking about because I never received any notice of this. Then I asked if I owed any money and he said it was a $0 balance that I had paid everything.... so how did a payment not go through if I had paid everything? So I just told him to keep it closed, I don't need the service and double checked that I had a $0 balance. He assured me that I owed nothing. I have a feeling that I am going to find out that there was their $7/month fee balance and that it will show up as unpaid on my credit report.... I think I may write a letter as well because that whole situation does not seem right. Be cautious. I held a $0 balance with them and paid the monthly fee every month on time and made a purchase every once in a while, but mostly had it while I built my credit back up. Have had this account in good standing for several years. And then this happened without even a notice is what baffles me most.

I have had Credit One for over a year and haven't had any problems until recently. I accepted the card willingly to build credit history even though there was an annual fee of 60, and I've already paid that fee last year. About 5 or 6 months ago they started charging me the "annual fee" of 8.95 per month. I was told it wouldn't go over 60 dollars. But it turns out I will be paying 8.95 per month all year long to equal 100. Ridiculous! When I called to renegotiate they refused. Said it was in my terms and conditions. I was approved for a Citi card and have done a balance transfer. And have yet to find out what will happen when I try to close my account. What sucks is the transfer won't go thru till my cycle date. So I will have to pay another monthly fee plus interest. Because this company still charges interest on your previous balance even when it is paid in full!!!

I have been with Credit One for over a year. I have never been late, as I always send in payment 10 days in advance. My Oct payment was received/posted on Oct 24th. I was charged a $25 late fee on Nov 8th, which also put me over my limit! Cannot get anyone by phone, as it's all automated. I am sending them a letter, and I reported them to the BBB. This bogus late charge has already hurt my cs. Still waiting on the consequences!

DON'T GET THIS CREDIT CARD! This is the worst credit card ever. They charge an "annual fee" every month! No way around it and interest on it. They also find a way to charge a late fee every month. Oh and good luck closing it. They just keep on charging. DON'T GET THIS CARD. BEWARE.

I hate this card. It's not a $99 annual fee. It's $8.25 per month + interest because they offer no grace period. Also, they only allow 4 payments online per 30 day period. Seriously??? Come on? Then don't charge me interest the 30 days I'm forbidden to pay

I received a preapproved card that I did not ask for, from this company. I cut the card up and threw it away. The other day I get a bill for an annual fee of $75.00. How can I get a bill from then when I never even activated the card.

I had Credit one Bank for about a year, everything was good until one day my payment was returned. I called them to verify what happen and they stated that my bank account was closed per my bank, or maybe I had the wrong account # or routing #. But I didn't change anything, it's the same account in the system I've always had. The crazy thing is that I received a confirmation online and the payment went thru with no problem. It took them almost two week to retract my payment, said I will need a written letter from my bank showing my account was active. I did and mailed it to the address they provided me. They claimed they never got it. Still stating that my account is close. Had this account for 21 years and it still active. Do all my transaction from this account. There is much more in my account than the payment sent.

I applied for a credit one charge, my first mistake! After reading their offer and reading other's reviews, I decided against activating the card they sent me. Well, they charged me anyway! I then made my second mistake of deciding to activate it since I was going to be charged anyway. My bill is due nov 27th, they started calling me 3 weeks before it is due. I could not get it through their head that they were billing me even before I had used it. I still have an available credit, which I’ve tried to use, and it won’t go through. I have capitol one, kohl's, etc, and have never had an issue. I’m going to pay them off and CANCEL their card. Huge rip off!

What does it take to cancel my card? I am in Costa Rica and I lost my wallet and I need to get a new card and cancel my old one. Please help. My number in CR is **. I have called many times and all I do is put on hold. Costs too much...

Credit One does not have a grace period for overdue payments and I was nailed with at least 3 past due fees, which was only one day late and fell behind on my payments. Monthly payments are too high. Customer service was very rude when I tried to negotiate terms with them. I asked them to drop the annual fee which was being charged on a monthly basis. Refused. I asked for a lower interest rate. Refused. I asked for a waiver on the current late charges. Refused. The customer service Reps could not even speak fluent English. I transferred the balance to another card and closed the account.

I was an idiot to ever deal with these crooks. Used the card twice. Someone stole my identity and made charges in California. I live in Michigan. I called several times, never get anyone who speaks English. Demanded to have them close my account..investigate identity theft. Never happened. They issued new card. NOT AUTHORIZED by me. I charged $55.00 on card. Owe them $400.00. Crooks..thieves..and terrorists. I need help.

Upon many offers with legit companies to open a credit account, I chose the WORST possible company to open an account with. So I was charged $75.00 as an annual fee that was due like 2-3 weeks after I first received the card. I paid the minimal amount of $25.00 that somehow did not go through so I was charged a late fee (how convenient). When I called the customer service care line, I could not get through to anyone. A week later, I get up to ten calls a day from unavailable numbers. Little did I know it was from these SCAMMERS! I finally answered one call and it was COB telling me my account was overdrawn. I told her I refused to pay full ridiculous amount and got transferred to her supervisor. The guy that answered had an american accent at first, his name was "Mike". Then I could hear his Indian accent as I told him I refused to pay the full amount. He told me I could make a payment of $25.00 and the other payment would be waived until Dec.14, 2014.

I was naive and signed up with Credit One Bank after having received a pre-approved offer and needing to build a credit history. That being said, I am trying to save any other, naive consumer from getting this card or having to interact with this bank in any way. I've been paying my credit card bills on time and in full amounts every months. First of all, they don't even have a feature where you can schedule payments automatically in full every month. This is unheard of for me and makes me think they want you to miss a payment. So after having paid my credit card in full for the first time, and I am sure with right checking account (funny that it's processed successfully with every other credit account I own), it bounced back and I received a notice my account would be closed if it happened again.

I'm so depressed about this credit card, the interest is high, they charge an annual fee each month?!$ ...and their credit protection is a joke! Please stay away from this credit.

I certainly was not aware that I would have to pay a $75.00 Annual fee. I would NEVER have accepted such a bad deal. How did I miss that? Where was that fine print? I can't email them. I NEVER heard of such a thing in all my life. I am paying this card off minus the $75.00 & they can go after me for that if they want, but I am not paying such a RIDICULOUS fee. The loan sharks out there don't rip you off as bad as CREDIT ONE credit card.

I have been a Credit One Bank card holder for almost 9 years. I have a great pay history. When they gave me the card, my credit was not in good condition. Now that I am on track with all of my bills and my credit is pretty much clean, they refuse to lower my interest rate. My interest rate is very high, I believe in the low 20% range. Their answer was that they do not lower interest rates for anyone. You have a credit card in your country and the people you speak to are not American. They must have a call center in India. Either way, just find it disrespectful that they do not treat long customers with the courtesy of lowering the interest rate if asked. I went ahead and shredded the card and am no longer using. As soon as it is paid, I will be closing the account.

Nowhere in the contract or documents does it say you have only a certain time frame to pay "early" for your next payment due. I apparently paid too early, that payment was applied to the balance and NOT to my bill. I didn't realize until I logged in to make another payment and saw the late fee. I argued for 30 minutes and basically was called a liar. I'm now seeking an attorney as that should of been disclosed upfront.

Couldn't get website to work so tried over phone and after giving my last 4 ss# ended up talking to someone other than Credit One. Had to want until Monday to talk to them and was told I called wrong # and nothing was wrong with website (sorry if confusing but 2 issues here). Long story short they were rude and no help getting my problem corrected. Still haven't gotten it to work. Will cancel card not worth wondering if my info is out there for all to see!

Called Credit One Bank and waited 20 minutes to speak a live person. He was unable to give me a satisfactory answer, so I ask to speak to supervisor. He put me on hold for 30 minutes (Believed he did not contact supervisor, hoping I'll hang up), which I did. I called back 6 times, and held on each time in less than 15 minutes each time. Never got to speak to anyone and I needed to use my credit card, but, unable. Once paid, I will close this account. Most importantly, every time I have spoken to customer service, I always get a person that barely speaks English.

I've been with credit one bank for over three years now and I think it is my worst mistake ever. I was hoping to build up my credit by paying way more than the minimum amount due just for them to throw MORE additional FEES on top of that! You can NOT just pay the minimum balance for this card because they will constantly add fees to your account for them to eventually slam a late fee on you. I find that very weird and unusual. I get charged over $10/month for finance charges and I don't even use this card anymore! Your money won't ever get credited into your account until a week later. I've never heard of any other credit card companies that charges so much for fees that you don't even know about until it's already posted onto your account. This company does anything and everything to try to SCAM you for your money. Regardless, if you pay over the minimum balance or just the minimum balance, pay before or on time, you WILL ALWAYS RECEIVE ADDITIONAL ** FEES!!!!!!!! Please people, do not open an account with them!!!! I'm hoping for higher authorities to do an investigation on the company!!!!

I got robbed on the night of November 8th. I tried to call credit one customer service and fraud service but couldn't reach them, they had a problem with the phone line and all I can hear is that the voice message is saying that “for maintenance issues please call back later.” I kept calling all the night but no success. The next day in the early morning I tried to call again and here we go finally someone answer and I told him about what happened, first they said that will start an investigation that will take between 60 to 90 days and that I shouldn't be worried about the charged made after the card was stolen but now they posted the charged and when I called back they said I have to pay.

I have not done any transaction. Still they have shown transaction in my statement. My card was with me, no chance of misuse. While I asked them about transaction, they could not give me any satisfactory explanation. When I asked them to close the account, their customer care representative pretended to close the account without closing it.

Have made several payments, which had never reach my account. Not only do their representatives do not speak English they cannot count money. Start deducting my payments or forget me as a good customer.

JUST would like to let everyone know if you sign up for that Credit One credit card this is the worse ever!!! They charge you for everything and anything they can POSSIBLY FIND. If you damage your card by accident for example and just need a replacing one, OMG their fees are so high, the amount of 25$ will be billed to your account just to get the same plastic card where in comparison with other banks there is no charge to get a replacing card. If you want to apply for a credit increase there is also a fee of 24.95$, this is just ridiculous! Annual fees etc, I'm just so not happy with this **, I'm trying to pay it off asap to close this account and be done with them. I have other credit cards and I have never had any issues like I have with CREDIT ONE BANK! Please guys just think twice before you apply for credit one credit card.

I had the card for a 5 months and I haven't had any trouble with them. I was charge a late fee because a holiday and they didn't get my payment until the next day. But they gave me that fee back.

I just opened this credit card account. I regret it. My payment is due 11/13/14. Today is 11/9/14 and they have been calling me non-stop trying to get me to pay my balance in full. I was confused as to why they are calling me for payment when my payment isn't due for several days. I could barely understand the woman who called me. Her English is awful. After she argues with me about my not being willing to pay my account in full today, I tell her I am making my payment online. She proceeds to tell me if I don't make the payment today (account in full), they will charge me a $9.95 fee for paying online. Are you kidding me?! What kind of scam is this credit card?! I'm paying this account in full and closing it. I regret following Credit Karma's advice and opening this account.

I have had several credit cards issued by other banks but never have I encountered so many add on fee attempts as with this bank. I advise do not open an account with this company. Tip: refuse to make any further payments until the add fees are removed, including the ten bucks they charge you to make a payment on the telephone. PS, please give the poor Indians and Filipinos in customer service a break, they are only doing what they are told to do by their employer.

After many months of having zero balance on my account, only paying annual fee, decided to close my account. I was charged a late fee after account was closed. As if they couldn't accept my closing statement and were looking for more excuses to continue stealing money from people. I'm very concern about keeping my good credit. They are a rip off company. If you really want to RUIN your credit, open an account with this named company.

I haven't had any problems with Credit One except that I paid the $9.95 for the express payment to get my payment and "available credit" posted sooner. It still took them 7 days to fully credit my available credit back so there was no point.

ANTI Customer service. I don't honestly know how to stop this scam card. It is affecting my credit score badly. I need to post min. payments every 2 weeks because they delay my payment for 8 days to force me pay late fees. Any advice?

Applied for credit card, I was approved. When I received the card, tried to activate. Account restricted due to fraudulent activities?? I haven't even activated it yet...called up - need to send driver's license front and back, bank statement, s.s card also send in b/c just In case. Now 1 week still no response. Have to send in more info. Really?

After having Credit One for 6 months, and no problems, my account is suspended. I faithfully paid my full balance every month, and then I changed banks. Instead of billing my new bank, Credit One continued to bill the old account on 4 occasions. My once 700 dollar limit card with a zero balance, is now suspended with a 702 dollar balance. What the **? I tried to call them several times, only to be disconnected, or badgered for the full amount. I changed my banking info online, and over the phone... This is a total scam. I am not some deadbeat who doesn't pay their bills. I do not recommend this card for anyone.

Not only do they charge you $100.00 at the beginning without telling you, they add on several other non-valid charges. Very horrible customer service. 200.00 has cost me over $800.00+.

I signed up and received my card in the mail on Oct. 7th. I did not receive the invoice/bill until November 1, 2014 and there was a late charge. (That seems to be how they do business with many others who have written in to complain). I called and told them that I just received my first bill and there is a late charge along with another charge of 97.50 from a FYF Technology Co. which I never ordered from. When they requested payment and I complained loudly about the $9.00 they said they would take it off. I also have the original offer from this company & they say there is no interest until Aug. 2015. But my bill says 23.90%. This is BS. I am going to write and not take this and threaten them! DO NOT ACCEPT THEIR FRAUDULENT TACTICS. THEY ARE A SCAM.

I have my account for about 6 months. Paid the minimum due on time or early! October I sent my payment of $25.00 in early but was $1.00 short from $26.00. I was charged a 22.00 late charge that also put in over my credit limit.. Called them today and they refused to waive the late fee. Who charges a late fee of $22.00 if you're $1.00 short?!

I was about to pay my November 19th payment. (today is 10-30). I noticed that I was charged a late fee. I called (anti) Customer Service to ascertain the charge. Unregrettably, the Indian cust serv person with his broken Indian accent kept parroting, that they did not receive my payment. So, in return, I kept regurgitating, that my payment was due on 10-19-2014. In an efficient manner, I sent my check early; it was cashed on 10-07-2014 - check #** from TD Bank. He hung up on me! Luckily for me, but to his dismay, I was reconnected to the same person on my call-back. I kept yelling through his miscommunication to get me someone to help me!!! I was transferred to a supervisor (did not help me find my stolen or misplaced $100.00), who in kind transferred me to someone else. Somehow, I was disconnected again!

This credit card is nothing but a fraud and scam. We make our payments every month & now we get harassing calls from them saying our payment wasn't made & saying we have to pay the full balance & I don't think anyone we talked to was in this country.

I have had my credit card with Credit One for about 2 yrs. I was tired of paying them monthly payments on the annual fee. So I applied for a Discover card and used that to do a balance transfer and Zero out my COB card. Once it showed my balance as Zero, I called on 8/13/14 and cancelled my account… Now today, I get a call saying my payments are past due. They "claim" I called in on Aug 23rd and changed my address to somewhere in Philadelphia. And then used my card in my town on September 8th. I spoke to 3 different people and they now claim that my account will be zero but will take 30-60 days for them to investigate. This is crazy. I have worked so hard to rebuild my credit and they are going to destroy what I have done so far.

This Bank must be shut down by FEDERAL & STATE Authorities for their Misleading Statements, claims & above all Annual fees SCAM. Once consumers get a small line, $200-300 range credit line, these fraudsters Keep adding 8.95 a month on top of 75 INITIATION OR setup FEES. By the way they will not allow you to pay $96 Annual Fees at one time. They spread it as Monthly Charge SCAM, 8.95 PER MONTH. Wishing you are delay by a day & CHARGE 30 TO 50 DOLLARS LATE FEES PER CYCLE. We can't believe why. This Credit One Bank is located in Las Vegas, Nevada & scamming innocent people of their savings in name of building CREDIT. THE GOVT SHOULD SHUT DOWN THESE CROOKS.

This is the worst bank in the history of banking! Warning!! Never apply or accept a credit card for this bank. I was victim of fraud and these idiots said, "because the charges were made in your geographical area you are responsible". Is that even legal?? I called their Fraud Dept. 20 times and left numerous messages and they never called me back. I'm planning legal action against this bank. Again, Never do business with Credit One. It was the worst decision I have ever made in banking.

What a worthless credit card company. No option for 0 Stars? Almost impossible to talk to real person in Indonesia who can barely speak English? Don't waste your time with this company. They should be shut down for their business practices.

They sent a bill saying I have a credit card active. I let them know that I had not lived at that address for a few months so they offered to send me another card. I informed them by both phone conversation and letter that even if they did send a new card after reading what some people had to say about the card, charging $75.00 for $400 is Ludicrous and asked them to shut down the card and take me off their list and I wasn't going to pay for a card especially with them making it seem as if they were as good as Capital One. Please help me get them off my back. They keep calling and they have affected my credit score, hoping somewhere there is a class action lawsuit building against them.

Customer service is horrible. Asked to pay full balance on credit card right at that particular moments. No buts, no ifs. No other options on the table. "Let's take care of the balance today, I'm ready for your debit card number." Horrible.

Credit one uses all the usual methods to generate fees. Takes at least a week to post your payment, so you pay off your entire balance 2 weeks early to avoid late fees, but they wait until the last week of the month to post some transactions. Those come in after your payment so you really didn't pay the "total" monthly balance and they charge you the 30% interest on them. Also the website is often hard to access. (Not to mention the annoying credit card application page that always comes up when you sign in. Excuse me I already have a card.)

To be fair, the COB offers credit to people with less than perfect credit to give a chance to rebuild and improve their credit. This is why I applied and received the Credit One Bank card. I did not notice the Annual Fee charge when I applied, but paid the fee as I wasn't sure I might have missed the fine print. Now I see I'm being charged eight dollars and some odd cents every month and I no longer use the card as I now have several and have built my credit up. My issue was when I decided to cancel the card because I do not want to pay the monthly (Annual) fee. All their posted numbers except one, to add protection plan, is automated and there are no choices to cancel the card. Credit Protection could not help me. I finally found a number on my Experian Credit Report for Credit One Bank and was able to cancel after turning down their offer to waive the monthly fee for three months. The number for Credit One Bank to speak to an actual person is (702) 269-1000.

I signed up for this account, as I wanted to give my son (who is 18, and just building his credit) a card with a low limit. I was granted an account with a $300 limit, which I thought would be perfect. First, they charge a yearly fee, which is immediately billed to your account, upon opening. Fine - except that they didn't actually send me a card for over thirty days! So, by the time I even received my card in the mail, the account was past-due, and had late fees billed on a $99 balance.

I applied for a creditOne Bank card in September, received my card in October. Called a week later to activate the card, signed up on their website within 10minutes of activation to find that I had a $100 balance due on the account. I called the 800# provided and spoke with a rep by the name of John. I asked why I had a balance when I just literally activated the card within a 10minute time frame. I was advised that they immediately apply $75 to the account when the card is processed for an annual fee and because I haven't paid it yet they applied $25 late fee. I just activated the card and already I have $100 charge and late fee!! What a scam!!! Had I known upfront that I would have been charged $75 just for applying I would have never done it! I have filed a complaint with the BBB, which probably will not amount to anything. My only choice at this time is to pay the $100 just to have a card sent to my house and cancel the card. This is a total rip off.

I ordered a card online and after reading the agreement decided not to activate it. One Month later I get a Bill for the membership fee 75$ plus interest. When I called card support there was no option to speak to a real person. Issue unresolved as of yet.

Applied for credit card, received it used it, then never received billing statement until 9 days after Bill was due. Called to ask when was the statement sent, got no answer. I paid 80% of my bill more than the minimum, and I get a phone call threatening to take my account to collections. The service reps were extremely rude and very unhelpful in any capacity, do not use this company.

I see by reading the disclosure the firm must have the best lawyers. You get UP TO 1500 but most people probably get 300 dollars for a $75 annual fee that goes up to $99. They write in their form letter that you are a perfect match for their credit. Well they think a friend of mine is the perfect sucker for their card as my friends poor credit is what they want. This is a scam that baits one. You can be pre approved which is meaningless. No one answers their phones. And fine print says they can change your eligibility... Just recordings if you have a problem. Stay away!

A couple of weeks ago I went to use the card in order to pay my electric bill and didn't go through. I knew I was nowhere close to my limit so I tried again with the same result. Yesterday I went to the laundromat since their machines accept credit cards. I swiped the card and got an "invalid card" message, so I called them to discuss the problem. They told me they had no record of a declined card or any other sort of message and asked how I was using the card. I told them I've typed in the number and swiped. The person I was speaking to said maybe I typed it in wrong, to which I said "that's why I tried it twice." She said she could send me another card to which I said "why would you send me another card with the same number if the current one didn't work even typing it in." I swear I had to say it more than 3 times to her.

I have been trying to cancel the card and they don't make it easy. I went to their site where I clicked on remember password because I have short term memory loss. Well when I clicked on forgot password, they said that they would send an email so I could go to my password hint. Well I did this twice and never got an email. I intended to use this card to help rebuild my credit. Now it seems that I have given my social security number to untrustworthy people who are no more than parasites and scam artists. Instead helping me they are further destroying my credit by creating a bill that I have gotten nothing for. I want to cancel the card but I don't even have a phone number where I can speak with an actual person. Please help. I am a senior on a fixed income and planned to use this card sparingly. I just want to get rid of this card and the trumped up bill they have given me with nothing to show for it. Thank you.

I just applied for a credit card at "Capital One" services. I received an email stating that I was approved. Today, about 3 weeks after being approved I received a letter from a "Credit One" not Capital One, stating they need a COPY of my driver’s license, W-2's, AND SS card??? I have never had to do this before... I smell SCAM!!! This is NOT Capital One correct? Just with this company wanting all of this personal info really has me scared!! Someone could steal my ID immediately with all of that info in their hands. I am not responding to this correct?

My now husband received an offer from CreditOne shortly after filing bankruptcy, and figured he would apply "just to see" and was approved for I believe a $300 limit, with a 29.9% interest rate, and I don't recall the annual fee, but I'm pretty sure it wasn't $75.00. I'm reading the reviews on this board and wondering if it's even the same company that we dealt with! We never had any of the issues mentioned with customer service or being declined, and when he called to cancel (Capital One had sent him an offer with a much interest rate, right at the same time we'd paid CreditOne off), he explained this as his reason, and they offered to decrease the rate. He simply explained that he didn't want to risk getting in over his head with credit cards, but would keep them in mind for down the road.

I called told them to cancel and they dropped call. I called back and the amazingly offices were closed.

Let me start off by saying I did not look up reviews on this credit card before activating it. I see that that was a HUGE mistake. I also should say that how this happened could possibly be part my own fault since I did not read everything in the disclosure as well as I should have. With that being said though, I just got this card about a month and a half ago. My bill was due 2 days ago, on the 10th. I only used the card twice, aside from being charged the ridiculous annual fee of $75, which I was not aware of, from lack of reading thoroughly I suppose. My credit limit is low, only $300, which I thought was a good start since this was my first credit card, aside from store cards.

I am a new customer. I did receive a credit card from credit one. I had missed a payments. Now, I am being harassed on a daily with the phone calls. One time I had answered the lady, told me to ask someone for the money. I was mad. Now, my credit score is messed up.

Where do I start... I had a kitchen fire 18 months ago. Completely forgot to pay my bill. They called my place of employment and tried to start wage garnishment for a balance of $300 when it was 2 days late. I called and had to pay a late fee of $30, plus the payment. Yesterday.. I paid a $1000 on my balance so I can rent a truck tomorrow to move out of state. I went to pay for the truck and there is a five day hold on my payment?!? The money is out of my checking account... where is my credit?!? I called to inquire about this and the lovely Indian woman told me that if I had made an express payment for $9 more it would have been available immediately. I told her she took my money immediately and it would only be fair if her company could give me the credit I just paid off. Nothing she could do.

After reading the reviews I can't really add much more than my story as most sound similar. My Husband and I both have/had an account with COB. I recently closed mine because they refused to change my last name (we have been married for almost 2 yrs now), too high of an interest rate for my credit (I got it over 3 years ago to rebuild my credit - I have never missed a payment and my credit has gone up over 700 so I have better cards now), and because even though I paid the card off they still charge you the "monthly" "annual fee" of $8 and change. They gave me hell trying to close it but finally did it.

They give you everything upfront. Nothing is hidden. I used their card to help repair my credit score. After a lot of work...530 now an 813... in 5 years. Stop making excuses. They offer a product to people who normally can't get it. Follow the rules. They will also up your credit line once they feel you are reliable.

I have been with credit one bank for a number of years and the customer service is horrible. One, everyone speaks very little English, you must ask to repeat and on and on. You can stay on the phone for over 1/2 an hour to say the least. As a senior citizen living on a fixed income, my bill has come to $1100... every time I sent a payment before due date, I am charged a late fee but how can that be? for example: payment not due until 10/1 but payment made and logged in 9/21? I am constantly charged late fees... I will never be able to pay this off but I am going to send only the regular payment due... then I will default the late fees and they will have to eat it as this is an illegal rip off. DO NOT USE CREDIT ONE BANK CREDIT CARD.

I only got my card a few days ago. I went online right away and registered for the online account. I was aware of the $75 yearly charge. It did state that on the application. I also took the standard card because it also did say the charge was $6.95 for a custom card. It did ask me if I wanted a second card? I declined. So setting up my online account there was as I thought, $225.00 available on my card. HUH! I tried to use it at Walmart. Sale was $55.05. It was declined twice.

Signed up for the card, which I did read completely over the entire terms that were sent. I knew about the $75 fee being upfront and all that; however, I originally thought they were Capital One. I mean, look at their logo. Credit One/Capital One... Same exact logo design. How could I not be confused? Anyway, I went ahead and signed up anyways, figured, why not? Also noticed the terms on the mailing (and within the cardholder agreement) stated one would be waived the annual fees if they did not use the card AND did not make a payment. Not 'OR' but 'AND'. Very very very misleading.

I had some breaches on my account causing me to have my payments already made online returned. Then I had to stop my account at one point. Credit One will not let me make phone payments without making express payments which they charge for!!!!! They get enough in interest. Never had a card nor let me make phone payments for free!!! Each associate I talk to has a different answer and they all have heavy accents!!!!

Unfortunately, due to circumstances, I have been a customer of Credit One Bank for just about a year now. Whenever I've had an issue I would, of course, call to attempt to get it resolved. What a crock! The only call centers available are either in India or the Philippines. Aside from being so very difficult to understand, they are not at all helpful. Whatever the issue may be, all they do is repeat and repeat and repeat and repeat again whatever it is they use to disparage your complaint.

This company preys on the credit disabled. Can you believe that after owning this card for almost 2 yrs and never a late payment, they sold me a credit increase of $150 for a fee? The customer service is also terrible. I'm so sorry that I ever, ever got this credit card. Do not recommend. I can't wait to pay off the $650.00 I owe them. Then I will burn the card.

When you want to pay back your bill COB makes it difficult for the disabled and anyone else. They do not offer a way to pay with your account by phone or automation. They tell you to pay online not everyone has a computer or can they wait 7 day for it to be mailed and be charged late fee. Many people don't have a computer to pay without being charged. They don't want you to pay the money back because they get more money on late fees and express payment fee. If you can't find or lose your card even stole 25.00 replacement card. They need to be sued and I would stand 1st in line if any lawyer would like to take the case and others like it. They have no help for the blind or seeing impaired. So besides the high interests to straighten out your credit you get charged in my case 7.00 for interests 3.00 credit card fee for insurance, 10.00 to make express payment and another 25.00 to send me out a card because mine is lost. They make it difficult to pay your bill back and charge late fee to boot if not paid on time without lenience they really have high tariffs. Group lawsuit or so but they really do consumers bad, take advantage, they want to clean up their credit and take the customer literally to the bank.

Last week I began receiving psycho calls from Credit One at 630 am, one call after the other. They were telling me that my payment was Late! Turns out they had sent me a $150 credit increase and had charged me $39 for the increase which I never authorized. Even if your balance is $0 every month you owe them $8.00 plus change! If your payment is past due ONE day they will blow up your phone day and night with harassing phone calls! Credit card is mostly declined everywhere. Don't get it!!

I was told that I could close the account for a settled amount and could call back to make that payment. When I called back, I was not able to get a person to help me with the settlement amount. I was transferred to outsourced operations SIX times between collections and customer service. I explained that Credit One Bank offered to settle with me for an amount less than due but no one could would address this issue. I explained that I could go through debt consolidation and that would offer less to close the account or they could accept my payment and close the account directly with me. Every transfer was worse than before, the outsourcing connection was horrible and hard to hear. The customer service personnel accent for English was very difficult to understand. I was not able to get any help at all.

The hold-time to speak with a representative is too damned long! It's my understanding that Credit One Bank offers 24/7 phone contact. At 5 a.m., gave up waiting for assistance after 12 mins. 2nd attempt at 7:45 a.m. was 23 mins. Gave up!

They changed their website and I couldn't get on to my account to pay my bill and every time I tried to login to change my password it asked for my credit card # but I don't have it because it has misplaced so in the meantime I call Credit One Bank and half of the people that work there I can't understand!!! I requested a new card a month ago but still haven't gotten it. Me personally think this Credit One Bank is a total rip off and they are out to scam a lot of people including myself. So I have been trying to close my account with this bank and they keep trying to talk me out of it and it pisses me off then I hang up. I can't deal with these IDIOTS anymore.

Credit One contacted me involving my wife's account. I asked them if I was on the account - they said "yes". They said I was an authorized user. The name was totally different from mine. I asked for her balance and her last time she used it and her account and they gave it to me. At that point I got furious because what happened to the privacy disclosure right.

I had this card for about 6 months. Made a lot of grocery and fuel purchases. Always made large payments. One day my card was denied. I called c/s and was told I was over limit. I looked at the online current charges and there were 6 fraudulent charges. I explained that to c/s and they agreed to investigate. I was sent a new card but was unable to use it as according to them, I was still over limit. The following month, the fraud charges were removed. After about 30 days, my card was denied again. I looked at my online statement and the fraud charges were back.

While updating my checking account information the incorrect number was added. I receive a letter that my account number was not located. I sign on to Credit One site made the correction and made a successful payment. Upon calling back, spoke with a rep. They refuse to allow me to speak with a manager or a person who could speak English. She was very rude! I called back today and the exact same thing happen. (This rep rushed me off the phone.) After speaking to the 3rd rep, she stated that the issue would be resolved, allow 72 hours (I could understand her).

Why would a bank only take 4 payments a month? I never heard of such a thing but the reason would be so that you get charged interest and late fees. I have a credit account I was trying to use for bills for my business and this has created a nightmare. I have to pay recurring payments using two accounts now. What a scam!!

I have been disconnected countless times. I called over 20 times trying to get them to attach my military orders. They have no clue what a POA is or military orders. I finally paid off account so I didn't have to deal with them. They are a very bad company to work with - not worth the headache

So I received a bill in the mail yesterday from Credit One. I was "given" a $400 credit line with them for which I DID NOT apply for. They immediately charged me $75.00 plus interest and I haven't even seen nor use their card. About to call them and give them a piece of my mind. Then will be calling the Attorney Generals office on them...F5

I tried to pay off a bill for someone, but they want MY bank information. I'm not willing to do that since their reputation is so poor. I am willing to transfer from my bank directly to the account, the same as I would pay any other bill, but they seem to be a bit behind the times and can only take debit card numbers. It's not bad enough that I can't understand anyone, they're also living in the stone age. Do business with them at your own peril.

I applied for a credit card after they sent me a credit application in the mail of a lower interest charge than other credit companies. I received a statement that charged me $45.00 and no credit card. I called them and they reissued me another card but then received a billing statement of a $25.00 late fee. I called them and stated I just got my bill. How can I be charged a late fee. I was told to make a payment over the phone right then and there and they would waive the late fee. I told them to email our conversation of waiving the fee then I would make the payment online. Not over the phone so I would have proof of the conversation. They stated if I did not make the payment right then and there they would still add on the late fee. I told them I will cut my credit card up and will not use them again. They told me they are going to still charge me the $25 late fee. They did not want to keep my business. So to others that read this: Do not trust Credit One. They are not truthful or honest.

Received my first statement with a late charge. Billing period on statement shows 8/15 to 9/14 so I called the customer service number listed on the statement. They told me that the bill was due 9/10. After questioning how that can be when the billing period ends on the 14th. All the rep would do was ask how I would like to make payment. After repeating myself several times I could not get an answer. I then hear a child in the background and ask where I'm calling. India. Probably to someone's home. Told him to cancel the card. He stated he couldn't and I would have to call customer service on Monday because they are closed. Funny thing...I had just called the customer service number and someone answered. Told him since he wouldn't cancel it that I want to report it lost. Still he told me he couldn't help me. I hung up...called the same number back...and guess what? The customer service department is closed. This is a complete scam!!!

I switched my account to billing by email. I went for months with no bill so I had to guess the amount due and billing date. It took forever for me to get someone who understood what the problem was. They had the correct email address. So I begged them to send me bills in the mail. I couldn't understand anyone I talked to. It was very frustrating. I am not sure if this problem is corrected or not.

I called to see if I can get some help so I can pay my bill on. The person who answered the phone was rude and she hung up on me.

I never received a pin for my card to use at the atm. When calling the company, they would say this really fast messages and hang up in my face. They would also say their system was down and to call back in an hour.

There are hidden fees of 75 that is nowhere on the application. When they send the card and you activate, you find out that there is already a balance of 75 on the card.. I began to use the card for a month and when the bill was due it slipped my mind and the next day, I get 3 missed calls from them. And when I finally answer I get harassed by a agent from another country telling me I need to pay my bill with debit card now. I ask to speak to manager immediately and tell him I want to cancel the card and pay off the balance. I was given a runaround and placed on hold for about 40 minutes. Finally I am able to pay off the balance and was passed to 2 other people to get card canceled. Their english is very bad and hard to understand. This company needs to be shut down.

Absolutely horrible customer service I have ever experienced in my life. If I could give them no stars I would. They are clearly operating from a third world country and have no clue how to conduct customer service AT ALL. I also had a situation where I PAID MY BILL through my checking account. My bank told me the payment cleared and Credit One never posted the payment to my account and told me they never received my payment!!! With a past due account now I try to rectify it and their systems conveniently shut down!!!

Every month I have trouble logging on to my account to pay my bill. Randomly my card stopped working and was declined yet there was still available credit. Communication is difficult due to the language differences when you call them. There is a charge for making an immediate payment.

I am very disappointed with credit one bank. I have had this account for a few years and have paid on time. Having this card has helped me to rebuild my credit, but at a cost. They charge you for a credit line increase, their interest rate is very high as well as even if you want to change the design on your card, they will charge you. My banking institution made a mistake with my payment this month and paid twice, even though I had authorized only one payment. When I informed them of this they rectified the problem and refunded the duplicate payment, but a few days later I found out the refund was from the payment I had made to credit one bank. Therefore, it looks like I had not made my monthly payment, when in fact I had.

I too was building credit with this card. I read the reviews and understood that some people had difficulty with the customer service when terminating the account. I always have positive experiences with customer service dept. and 800 numbers so I was not worried. The stories are all true! I wanted to call the police. I felt like a hostage with this company. After a year with a fine experience building credit. I stopped using the card had a 0 balance. Then I was being charged monthly fees even though I was not using the card, I wanted to cancel it. They truly hung up on me dozens of times when I asked to terminate my account. I had countless names of people I had spoken to through this process. On one number my call was blocked! I had to use a different 800 number to get to someone. I was in tears by the end of it. It cannot be legal to cancel a person’s account when asked. I finally got a termination # in June 2014. I just checked my account online (Sept. 2014) - it is still OPEN! This company will hold you hostage. Seriously it is not worth this gripe I am going through. If you do this you will experience it as well.

I received an offer in the mail, applied for the card and was approved for $1000.00 CL with a $45.00 annual fee. It took me two weeks to get the card. Once I received it I paid the annual fees and my account went back to $1000.00 CL within five days. However, I will only use this card for small purchases and pay in full ASAP. I have to say this has been an ok card so far, at least I was given $1000.00 CL from the very start. My CS wasn't that bad. I started out with a 669 and a month later I am at 700 with Transunion. My credit wasn't bad to start with - just had a lot of inquiries, but after two years the inquiries drops off. Hope this help. Excited about applying for another card in the months to come. FYI: With this card you have to pay your bill at least ten days in advance for it to be on time and not late.

Every time you call there's someone from another country talking to you. And it takes them too long to get to what they are calling you about. Their interest rate is way too high with the economy.

To start, we applied for this card and were approved. We never received an actual working credit card, but I know that closing open accounts has a negative effect on your credit, so my husband and I paid the annual fee via check, and left the account open. A year later we receive a bill for $60. I call and they immediately demand $104. I told them that seemed completely ridiculous for an account that we never even used or had an actual card for. On August 4 while on the phone with them it was resolved that I only owed them $30. I agreed to pay this amount under the stipulation that this account would also be completely closed. I confirmed this with them 3 times, that this $30 payment would completely resolve any obligation to them, and they would close the account. Then received another bill from them.

I was trying to rebuild credit after nasty divorce. They deceptively use a logo much like Capital One. I WAS happy with the company, but as time went by they began to decline charges. They would not let me use it at Wal-Mart, and Home Depot, which is where I mainly shop. I kept mostly a zero balance and was never late with a payment. Customer support told me that both businesses has "suspicious activities" and would not allow me to use the card, but I was free try another store. When I asked what stores I was permitted to use the card they said they couldn't tell me that. I attempted to close my account 3 times before it worked. When I called the 4th time, they took my final payment with my debit card and then promptly hung up before I could get any kind of confirmation. I believe I should be able to use MY money where I choose, especially at big name merchants. I strongly recommend you avoid this card company.