Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I opened this credit card to improve my credit score. First of all they charged me fee every month for nothing, then I did not receive the bill and got more fee on next bill. Okay. I decided to cancel the card and called customer service. They barely understand anything!!! I guess the customer service is in India. And I cancel this card. But...here is the bill again!!!! They did not cancel it at all. I have to call them again.... I will file more serious complaint if they still doing this after my phone call. Unprofessional bank and inconvenient credit card with horrible customer service!!!

I too got scammed with Credit One Bank. I made 4 payments in one month and they locked me out from making any more payments and I needed to verify my checking account AGAIN!?!?! I noticed today when you go their website it has links that go to other websites. And it clearly states that the links are not affiliated with Credit One Bank. And may not be secure. What type of scam is this company running? I am closing my account asap...

Finding this year that my credit scores sucked big time after me and my fiance were trying to purchase a house and her score being a 690 and mine being a 510, I decided it was time to start rebuilding. A friend of mine co-signed for me to receive one of these cards! That was 2 and a half months ago! Still have not received the card even though we were approved! They kept telling us that the cards were shipped but yet, we have not received them as of today! I got hit with a bill and yet the cards have not arrived nor had been activated! What a rip!!

I have had a card with them for some time now, maybe 3 years. Never had any issues. I lost the card in a recent cross country move and ordered a new card. March 3rd. I went on two business trips and a ski trip totaling 22 days away from home. I expected the card to be at home when I returned. I get back, nothing. I call the next day, April 1, and tell them it never came. They say it didn't have an apt number and was returned - ok fine, resend to this address, thanks, and please rush it (they claim it takes 10-15 business days to get a card lol!). So I asked for Rush and the customer service guy said it would come in 1-2 days.

If only I could put a zero star. If you read this and did not get sucked in by Credit One, I suggest you run, run, run. It will cost you a bunch of $$$ just to get them to go away.

I received a random email from Credit One stating how my credit score had changed and to login to review the new score. I logged into my credit card account to review my score and noticed an unusual high balance on my account. I reviewed the recent transaction and noticed that I did not authorize nor charge the transactions with my Credit One card. I immediately called customer service and a lady answered the phone that spoke a little English, and got frustrated when I asked her to repeat what she was saying.

I canceled the card in December of 2014 due to obtaining 3 credit cards with capital one. Since then they did not close the account and continued to bill me the monthly fee and reporting 4 delinquent months to my credit report. Worst card one ever experienced. I highly recommend Capital One and Bank of America.

I wish I found this site before I said yes to the pre-approved offer. Their offer looks so much like Capital One that I responded too quickly. Thanks to the email I received yesterday, I quickly started looking for reviews and was I surprised! When the rep answered the phone, I was told the card had already shipped, but after I said I wanted to cancel it, I was told it hadn't shipped and they could cancel my application. We'll see what happens. The bottom line is if you all are still experiencing problems, go to your local courthouse and file a small claims case for around $25.00. You don't need a lawyer, just your proof. They will act right when they receive notification from the court and you will never have to worry about them again. Know your rights.

This company get too many bad wraps. First it was the easiest credit card to set up. Second because we pay our bills we were given a credit line increase asap. Third their credit line protections program stepped right up and made my payments (min) plus and assisted us when I got cancer. So I give Credit One bank a+++ rating in my book. Thanks guys and gals at Credit One. Long term customers now and forever. My thought is this, if a small bank card company helps like this shouldn't they be my big bank card company. The big card companies are still stumbling over themselves to do something and it's been 2 months Credit One took 5 days payment in. Amazing. Little company wins in my book.

I have not used the card for over 14 months; suddenly call after call about charges. Then a screaming match on the phone with a supervisor who did not want to cancel my card. This is a group of highly unethical people. Shameful. The three calls today were ridiculous and a waste of time and I have no confidence that my card has been cancelled.

I applied for a card and it have been over one mouth and I never received not one yet. Called on the 19 of March 2015 to reported that I have not received it during the time they stated it would have been mailed out on March 2, 2015 arrive by March 12, 2015. So I changed my mailing address to United State Post Office BOX on the March 19, 2015 and by March 31, 2015 the only letter I received from them was a letter stating they have updated the information on March 24, 2015. It also stated that the NEW CARD was mail out on March 24, 2015 as well. Still at this date April 06, 2015 I DID NOT received a CARD.

I made a payment way before my due date using their express option at $9.00. Payments are supposed to be posted the next day. But instead, it took 3 days for a payment to reflect on my account. I had trouble contacting them. When I finally did, the person on the other line seemed angry that I had called, when I questioned them about the express pay they gave me no answer. They didn't even say “how are you?” or “have a nice day.” Seems to me like they make it impossible to contact them on purpose. My tip… pay way before your due date but don't use express pay. Paying before your due date doesn't give them time to charge you interest.

When you make a non instant payment, it tells you your funds will be available in about four business days. OK, I made a payment on 5 Apr, after it processed I get a message my fund will be available on 12 Apr. That is 5 business days and two non business days. What kind of crap is this. I guess I should have read all the outstanding horrible reviews before I got this card. Note to all: DO NOT OPEN AN ACCOUNT HERE!!!

Note if you are trying to better your credit profile and have bad credit, this card will help you more than those rip off credit repair guys. Just remember it's actually a service your and it works. Took me from 550 to a 606 and climbing in one year. Just pay your bill. You don't even have to use the card. The monthly service charge shows up as a ontime payment every month on your credit report. They even give you money back on gas purchases.

I received this card unsolicited. They immediately sent me a bill prior to my activation for 75 dollars. I missed the payment date by one day because I was unaware a payment was due. They charged an additional 25.00. I already owe 100.00 for a card I never used. I did not apply for this card and have no idea how they sent it to me. I have tried to cancel the card since I never asked for or used it. The representative was extremely rude, I asked that this card be removed from my credit reports immediately.

I received a credit card worth 300.00 and the minimum payment was 75.00. Then before I could cancel the card I was billed a 25.00 late fee and a 25.00 replacement card fee. My total fee was 133.44 without ever using the card. This is outrageous. I called customer service and I felt like I needed to record the conversation just like they monitor the calls. The customer service rep said that I would not be liable for the charges but I still feel like I need records. I would never recommend this company to anyone for any reason. I can make more money than this by taking junk to the junkyard. I am monitoring the outcome and waiting to see if they will continue to bill me late fees and other charges. Anyone out there, be aware of these people. I could not even understand what they were saying on the phone. Someone should really investigate this (bank).

My wife has tried contacting this bank several times via phone and never got through to a human. I have called and when prompted for my account number the system would repeatedly state that this was not a valid account number. I was finally able to create a on-line account so I could review and pay for their $8 monthly service fee. (Rip off.) Upon checking the account it stated I had a balance of -.13 cents although I was looking at a bill that showed a balance of $33 (which I was attempting to pay but could have sworn was paid last month). There was no way to pay the $33 balance on-line so we tried once more to call and find out what was going on. They urged us to not close the account and that they would waive the fees for 3 months so we would have time to reconsider. These guys are TERRIBLE. NEVER USE THEM!

Credit One Bank card can only be paid with a checking or savings account without charge. If I pay with my credit/debit cards, they charge $9.00 for each payment. If a customer is using the credit/debit card, they cannot pay over the phone or online without incurring a $9 fee. This is unfair to the SSI recipients, family support recipients, and human services recipients, since our only money comes on a card. I feel this is discrimination. If someone is low-income they have to pay $9 extra each month to make a payment. The customer service reps also hang up on their customers. I was hung up on 4 times today alone.

First of all I was disputing I charge on my account that had showed declined when I ran the card with United Airlines. So I called United and used a different card. When I checked the account today it showed to transactions for 300.00 to United Airlines pending. When I spoke to the Credit One rep, he refused to listen and continued to talk over me. When ask for a supervisor he refused until screamed and threaten to call back. The was not much better. She ask me to call United Airlines on a three way call. The United employee stated that they had not charged my card with Credit One bank. They had no record with my account, but my card with another bank was charged. After hearing this the credit one card rep still refused to credit my account stating it will take 10 days. This is the worst service ever... Please do not give them your money.

I have had my card for only a month and a half. Random charges keep coming out of my account and putting my balance at zero. Customer service can hardly speak English and are not willing to take fault for anything. 5 days before my payment was due I received a call from a man with a different but very strong accent - he asked for my card info. 3 times and tried to say I would be avoiding a $9.95 fee if I gave it to him. I finally told him I had made other arrangements for my payment. DO NOT GIVE THEM YOUR INFO! That part was definitely a scam but I think they are working with Creditone to take as much money as possible. I will be canceling asap.

Got an odd email in my personal email account from this company saying a card was on the way - please call if you don't receive it. Thought it was simply spam. Then I get a bill for a $75 annual fee due within a few weeks with a late penalty of $35. I call the company and they continually asked me for personal information that I was unwilling to give them (if they gave me a card they should already have it right?). They finally find me in the system (miraculously of course) and they tell me that if I don't activate the card within 30 days it will be cancelled. I didn't believe them.

I paid my balance two months ago and requested account to be closed. The customer service, after arguing with them that I wanted it closed, said they would close it. For two months I continued to get fees, one month interest on a zero balance, which I paid, then an annual fee, which I called customer service and explained I already closed this card and I wanted the fee waived. The customer service woman said she could not waive fee and she continued to try increase my credit and not close account. I repeated 3x that I already closed account and did not want card and they were running a scam by continuing to charge me fees for an account I have repeatedly asked to be closed. After being put on hold, customer service says they will close account, waive fee and send a letter within 7 to 10 days that account was closed, which I heard two months ago from them, but I will believe it when I see it with this company. THIS COMPANY is a rip-off. BEWARE.

Sent a letter 2 months ago asking to close our account. Called and asked a month ago to close the account. Account still open! Paid in full and always on time. Calling again to ask to close the account.

To all consumers be aware of this company's practices. Please read the BACK of any cc offer you receive from this bank as it is where you will find the important information (according to the customer service person the info is buried at the back) ($75 annual fee) so you Can make an informed decision whether you want a cc from them or not. Completely disgusted by these practices.

I have tried numerous times to pay my bill online, never have been able to sign into my account and then I have to call a payment in and it is 9.95 every time..... There is no CS when I call and make a payment, it is all foreigners. They are rude, you cannot understand what they are saying and this is very frustrating. I will pay this card off and not use it anymore. Too much hassle.... When you have no local CS, that is a problem. Very dissatisfied... I have had this card well over a year and my payment was paid on the 18th, was due the 17th - a 25.00 late fee. I'm through with the issue.....

My husband just received his card not even a month ago with a $300 starting limit. The company already charged $75 which we were fine with. His due date isn't until the 2nd of the month and we received a phone call asking for a payment prior to the due date. He is not even late on the bill. How is this not illegal debt collecting practices. They should be sued for harassment! I can't believe they think it's ok to prey on people who are simply trying to get their credit back right.

Every month I pay this Visa card automatically with Bill Pay at my bank. My payments are not getting credited to my account. Bill Pay has called them that the checks were cashed. They said that they issued me a new credit card replacement and that I didn't update the new number on my Bill Pay. They won't tell me where my payments went. I have late fees that weren't removed. I am trying to rebuild my credit score. I don't get credit for paying early, they think that I am late. I use Bill Pay from West Bank Iowa. Bill Pay's phone is 866-409-5440. They have called this Credit One twice on my behalf for not crediting my account and charging ridiculous late fees when I paid early.