Credit One Bank Reviews

I love the fact I got approved for this card. I was surprised. It's easy to use and the mobile app is easy to use. Great place to start rebuilding your credit. I've used all the features and nothing is too hard to use

Paid my full balance and was charged $4.95 for an “express payment,” but it was not processed immediately. The money was taken from my account the same day, yet the payment was not credited until about 24–25 hours later. Customer service was frustrating and inconsistent. I was told that because I paid using my checking account (not a debit card), the payment would not be credited until May 5. This makes no sense, as I have previously made standard payments from my checking account and they were credited the next day without paying any extra fee. Every time I pay the $4.95 “express” fee, I seem to have this same problem. I was also unable to speak with a U.S.-based supervisor, and the representatives could not clearly explain the situation. Charging for an express service that does not work as promised is unacceptable. I am considering filing a complaint with the Consumer Financial Protection Bureau.

Yes, I would just like to say that when I really needed someone to help just a little bit, y'all were there and giving me a chance to better myself and I want to thank you very much for your support. 🙏❤️

It is a great service, a lot of places denied me but here they approved me in no time...

Glad I found out about them, and would definitely recommend to anyone

Gave me a 2nd chance! It came at a great time. Thank you Credit One!

I'm very happy with my new Credit One Platinum Visa..The mobile app is convenient for me to keep a record on my account and transactions. I would highly recommend.

Could be better perks. Tried to get credit increase. Denied.

The customer care service was very good. He was very helpful.

My review is letting people know Credit One is piece of trash. Zero Stars. Zero star. Zero star. 00000 star. I should never get this piece of anything.... People go with Capital One. That's number one. Capital One the best credit card...

Terrible and immoral company. Use any different card unless you like extremely high interest and unreasonable fees.

Idiots from start to finish. No customer service on weekend. Perhaps the biggest moron on the planet.

This company is absolute trash. Don't waste your time or money on them. Their customer service can barely speak English and are dumb as rocks. This company is a scam that got big!!!

First credit card I’ve had. 12 years go to. Use it at the gas pump. Won’t let me use it so I call and after two weeks they need further verification of my identity. It would be 2 weeks before I use the card. I cancels it. I’ll continue to use cash or my debit card.

Horrible company!! I can never get anyone that speaks English!! They never do what they say there gonna do!! It's a big time scam!! Be careful!! They can't even read at this place!!

I want to thank y'all for issuing me a credit card. It has worked wonderfully. Thank you!

Neither myself or wife can never use our cards! It's a hassle to be rung up at the register and then get denied without explanation!!!!

It’s ** company credit. I have new card and I don’t know why don’t activate, I call them every day and they say it’s activated, but I can’t use right now because it’s inactive yet, ** declined. Declined. Decline **.

Love being able to get approved after nobody else would.

Absolutely ridiculous the fees they charge just to get their card and even worse you didn't make a purchase yet on the card YET they send you a bill as soon as you activate the card for payment due in TWO WEEKS 🙄. Canceling it or let it go on my credit. Absolutely foolish!

Excellent card. Easy to use. Great customer service. I highly recommend Credit One.

I haven’t had any issues. They have been great to me!

This is my first time using your credit card and it has been a nice experience

Loving it! I appreciate the approval and trust process.

I am very honored that you have extended credit to me. You have been very helpful in securing my future.

Credit One Bank made it easy to get approval and my card came in the mail promptly as well.

Horrible customer service, horrible at honesty and horrible at retaining customers honestly, just a bunch of thieves. Can't ever speak to an American. All they care about is taking your money and not helping you receive what you’re owed in return. Hope they go bankrupt because really they deserve to by treating people the way they do.

My Credit One platinum card came in handy. Thank you.

I find the accessibility of this card acceptable and easy to maneuver through given the fact that I have to multitask and deal with distractions outside of my control or want.

While I prayed to God for car insurance money, this card magically appeared. While I'm wearisome of more cc debt, the chance to drive some more to the island, is on my life ending bucket list. God bless.

Credit One has been great to me. Great to use. Keep your balances low and pay them off every month, and you'll be rewarded. I prefer Credit One over Capital One any day!!!

It's a top-notch business, the people are extremely professional, a reputable company, and I'm sure it will grow significantly. Congratulations to everyone for their work; I'm delighted with everything that has happened.

I really love my new card. With the additional available credit, my credit score went up.

I was so excited when I got approved with this card to get my score up but I'm disappointed because didn't have the card a week and already got hit with the $49. Monthly service charge and my limit is $200 but also had $49 taken out before I used the card ... So my balance was $151. The start of use ... So I'm thankful but not happy with the way they went about it and they already used half the amount before I could actually use it ...

Great service and no worries. Never had to wait or talk to anyone.

Credit One is the Best. I have been with them for many years!

Enjoy having a high limit credit card with zero yearly membership. Every dollar counts so the fact that you don't have to give away free money just to have a card means a lot to me.

It is terrible—completely unusable. Costco doesn't accept it, payments can't be processed on Amazon, and it didn't go through at IHOP either. Basically, it just doesn't work.

From the application process to the arrival of the product was efficient and seamless.

Every card I try to apply for I get denied. This is the first one that actually gave me a chance to better my credit.

I love this card to use as credit card. It’s safe and fast.

I didn't know about this bank. But they sent me an offer and were willing to give me credit card, which I appreciate, I applied for the credit card. Without any hassle I received the credit card. It’s fantastic

So far, it's been a thank you. The opportunity to raise my credit points, THANK YOU.

Credit One won't allow me to close my account with them unless I send in id for which I'm not comfortable doing. They use to charge 8.50 every 6 months and I would call them and get a refund but when I made a report with credit karma they changed it to 8.50 a month. I call. I'm on hold and then the phone hangs up. The 2 times I did talk to someone they said they could not discuss it with me because they couldn't verify it was me and they would lock my account and continue to charge me every month. I need help to figure this out. My other card like esl etc etc range from 10,000 to 33,000 and they only provide 2 or 3 thousand and charge monthly and I never use them because their interest rate is way too high for me so I don't need them. Someone help me out here please.

I'm so glad I signed up for this card! I Love my new card!!

Terrible customer service!!! I needed information from when the account was opened and they refused to give it to me in writing. They would only tell me over the phone and refused to send a letter or email! I immediately closed the account. I’ve never been more frustrated with a company than this! Avoid them before you get frustrated also!

Great, Credit One helped me more.. Financial freedom starts with credit one.. This inspiring.

Credit one credit card, BEWARE!! They have very very poor customer service. Missed payments, hardship, they will not work with you. They will tack on late fees and sue you. Do yourself a favor, don't get suckered in on credit one credit card flowery advertising. They're wolves, and prey on you.

Thanks for the service. I really appreciate it, and I hope my credit grows more with the credit card.

Great service and fast, on time money. Talked to customer service and they got me right.

I have had the card a couple of weeks but so far, I am very happy to have it available.

I really liked the fast delivery of the card and the whole process was fast.

Filed fraud dispute with documented proof charges were not tied to my Apple account. Claim was denied without proper investigation. Currently escalating.

Really appreciate the opportunity to build my credit and have funds available for when I need them the most.

I love banking with you guys and I really appreciate the customer representative who responded to me when I called for my lost card then.

Awesome for emergencies. I get emergency food because I don't have any food

Have not even used my card yet. But I always liked Credit One/American Express, I am sure I will be happy with my account.

I want to thank you for the card. It's going to help me out help build my credit, so low is real low, though. I love her. They had a $100 card, but I meant it is what it is, it's a good start and I want to appreciate you the service.

I’m glad to say Credit One had a huge role in me getting back on my feet at this time.

I would give this card a 1 star, have had some horrendous experiences with this card, there is a high annual yearly fee which I didn’t know before I applied, totally disappointed either this card in every way.

I was being overcharged at a dentist/dental scam. I tried to dispute it on my credit card and of course they were no help at all. Honestly, this was very unfortunate. You can bank with these people for years and what help are they to you?

They great. They tended to my needs and helped me fully.

I am absolutely pissed off with this bank. I have been a customer for 7 years. All my payments have been on time, but the second I go to dispute a charge it became a problem. I purchased some items from a shopify store on January the 4th. The merchant emailed me after I initiated a chargeback because it never arrived. The merchant reached out to me several weeks later stating that the package was returned due to being damaged. Then the USPS informed delivery mysteriously stated that it had been delivered on March 24th 2026.

The day my payment is due I get 6-9 call. I’m on autopay. The harassment is insane and they have 100s of numbers they call from.

Good and easy to use. So far good Customer service. The only thing I could say negatively is the $75 membership fee to have this card. We should not have to pay this high fee as no other credit card company charges this much as far as I know of. But hey, I joined because I had to start somewhere.

l like the credit card. It help so much. l appreciate all staff of Credit One Bank.

Love my card. Easy to use and it easy to manage through app. Would refer this card to anyone.

Please know that your service review is outstanding. I appreciate all the help you have given to me as a consumer and customer. Thank you so much.

Great. Credit One helps with bills, I was depending on benefits to pay bills. Now credit one have ready for next month.

Great job guys for lending me a credit card. Thank you.

Easy to apply. Got accepted right away. So simple.

This has been the most wonderful card to have. It couldn't come at a better time. Thank you.

It was a great experience to use this card. Many thanks.

A very professional, quick, and smart company to do business with.

Do not do business with this company. They'll claim that your bank sends back payments even if they don't just so they can close your account without notifying you and continue to charge you the monthly fee while your account's closed. They claim my bank sent back payments on two different months. I just went over those months lined by line and my payment did go out to them.

Credit One Bank, I was real excited about getting this card rebuilding my credit! I received my card I paid before bill is due never was reported to my credit report. Paid have of the balance no report on my credit report. Take in mind my bill is not due until April, I'm 3.00 dollars over the limit, they reported this to my all of my credit reports. Not one payment shows on my report but the 2.00 dollars over the limit does which made my score go down 13 points. Unbelievable. I do not recommend this card. I'm paying it off and closing it. Unbelievable.

I recently started using this card but was shocked by the low credit limit and then the games began! They sent me a much higher level card but wanted a large annual fee and I said no! Then I got a letter with a smaller increase but in small print it said I would have to pay 9.99 for it and the interest rate is 29.4%! They're worse than Synchrony!

I initially paid installments of 106 dollars before using the card. I didn't find an explanation for it yet. It's better if this fee was canceled. It's too big. 106 dollars is a big number and I paid it before using the card.

Credit One is a good way to start good safe credit without all the hassle. I think it's a good way for anyone to start building credit. I recommend to everyone to start building credit. I'm grateful and happy with credit one!

Amazing customer service. The financial services they offer are top notch and are helping me daily. I appreciate the help that US Bank has given me in regards to credit lines and opening my accounts with them.

I was recently approved for the Credit One credit card and I love how easy it is and and how they are patient with the payments and I love the cash back rewards. I would highly recommend the card for new credit builders or if you have not so good credit. Thank you Credit One!!

I didn’t realize that I was being charged almost one hundred dollars even before I use this card. I’m almost willing to just give you the ninety-five dollars and stop doing business with you. I‘m researching how this will effect my credit score before I make this decision.

Quick setup. Great customer service! Love the credit line and text alerts right to my phone so I’m on top of my balance!!!! I’ve had other cards and they are so quick to put my card on hold for simple Amazon or even pizza delivery!

I was told I was join to get 2500 approval. I only got 300 credit, don't tell people they approve for a exactly amount if you join to prove them for less.

I am very happy with this credit card company. I love everything about it. It has been very helpful to me. I will always be grateful to have this credit card. Thank you so much. This is absolutely amazing.

Credit One bank has been a pleasure to work with. Their app is super easy to navigate and very user friendly. They have great customer service, and I love both my cards from credit one and use them daily.

Great card to have for unexpected emergencies which happened to me right before it came. Glad I was able to manage those unexpected expenses when they arrived. Cause keeping a well running vehicle is a must have in my field of work.

I've really enjoyed having their credit cards. They increased my credit limit without me even asking, offered me another card with a higher limit, and I'm happy to be part of the Credit One Bank family.

I was really disappointed when I got my card because when you sent me the first letter about getting this card, you said I had a $2500 limit. When I got my card in the mail, it was only $300. I was going to go somewhere because I haven't gone anywhere in years. Plus I needed to have some work done on my Van. Now I can't do any of that. So, yes, I'm disappointed.

Amazing card. Came very quick and helped during a time of need. The app is amazing and helpful and the card itself is very nice and very well made! I think that everyone should try to apply and have this as a back up way of paying since times are so hard for everyone nowadays with the increase in pricing everywhere.

Very happy with new card. Looking forward to improving my credit score and using it towards a financial goal of new home and other endeavors. Application was easy and seamless and was accepted pretty quickly.

I would recommend Credit One Bank credit card to anyone. I would recommend it, great customer service experience, thank you credit one bank. 2026 the overall experience with credit one bank has been amazing and everything they answer all my questions, take good care of me

The annual fee is very expensive. In the first documents I received, it said or at least suggested that the annual fee would be paid in monthly installments, but that’s not the case. They also have a very high interest rate. I’ll probably use the card for at least six months since the annual fee has already been charged, but I wouldn’t recommend it.

Wish I had a bigger credit limit if credit limit on my account would help me out better. Otherwise I really enjoy the card. It works and it very helpful when you're broke until next paycheck but like I said really wish it was a higher limit

My credit score went up by ten points the first month I had my card. I've used it and paid more then the payment requires. It has helped me with purchasing items I need for my vacation this summer.❤️

Bankruptcy 2022, and I have six years left before it is dropped from my credit file. Prior to then I had a credit score between 680 and 725. Today I am no better off in terms of my credit score but I am so old that I will never buy a house or a car. APR after bankruptcy is about 30%, which is atrocious. Getting banks to even give you a credit card becomes difficult after bankruptcy. My situation was different because my credit was always good, I was simply over extended. Call me the least disciplined person on the planet and with advanced year cognitive reasoning and executive function is not what it used to be. Enter Credit One Bank. I got an AMEX card, probably the least functional of all major credit cards. My payment history with them was good. I kept up with payments so well they offered me a $200.00 increase. So why I am complaining about them? Well to go on to the really bad points:

Can't get in touch with customer service, I haven't applied for this account. Someone is telling you the wrong email address. This is the only way I can let them know and I don't know what else to do. Maybe it's a typo on the email address, but who knows.

Read the fine lines. They charge a lot for a cc/year. Takes long, like a week, to pay the account balance and you need to pay extra if you want to make it instant. It's basically unusable when the remaining balance is low. Rewards are hard to earn.

I have had the worst experience with Credit One Bank. They recently offered a increase of my credit line. I have been with Credit One for over ten years. I've faithfully paid my account above the minimum due so yes I accepted the increase. Credit One mailed a new card to me Premier card but I immediately noticed that when I went to make my payment my account from the old credit card amount was still asking for payment. They opened a separate account. I have 2 different credit card accts. I immediately called Credit One and asked if I was paying on 2 different accounts. When they told me yes I flipped. I told you can have your Premier Card back. Close out that account for being so sneaky and double charging me for a increased line of credit. I thank God I didn't spend that money and I'm warning you do not deal with Credit One Bank. They not trustworthy. This happened today 3/4/2026.

I'm not to happy with the 95 dollar fee right from the beginning!!! I haven't even used the card and already I owe you money. That is b.s. in my humble opinion. If it wasn't for the 95 dollar fee, I would have recommended you to about 5 of my friends and family, but I guess that is how you work so.....

Approval was fast and fair, great chance at better credit and better life. I would recommend this card for anybody trying to better their credit score and also knowing you have a great team backing you, thanks.

I was led to believe I would receive a credit line that makes paying the card a rational decision. This was a waste of time. The card is almost as expensive as the credit line. While interest rates and feed are high. This feels like a bait instead of a proper financial service.

I’ve had a positive experience with the card and appreciate the benefits it offers. However, I was a bit disappointed that a $75 fee was taken from the initial activation, which significantly reduced my already small credit limit of $300. This means I only have $225 available to use. Despite this, I’m still satisfied with the card and its features.

Horrible bank, no security, nothing at all. I opened a credit card with them and hackers was able to have my account and change all my information and I did not receive no alerts or anything at all. Hackers were able to get my card and change all my information.

What a scam. After activating my new credit card, the first time I tried to use it, the transaction was declined. Called, and my account was frozen. Weeks later, I’m being billed the $95 annual fee, but nothing I do will get them to unfreeze the account. Now I owe a $95 annual fee for a card that I have never been able to use.

Haven't used it yet, but it's good to have, when something happens and you need a Extra, help, or you want to buy a small motor for your little boat, or gas or food, or take a trip to use it for the gas you use to get you there and back home safe again.

My bill was 25$. When I went to pay it they charged me 3.00 more and when I called them to ask why they try to tell me my bill was 28 $. I told them that I had a receipt and they still told me my bills was 28$. Canceled the card. Stay away from this card. They also had a big lawsuit

Easy application. Fast shipping. I was able to get my bills paid on time quickly. Payments process fast. Online orders as well. Building credit is important. I'm able to build my credit score thanks to Credit One.

The fees are not welcomed. They do provide help but at the end no one likes fees, please remove the fees asap so I can enjoy this more please and thank you.

Love the app on how good on detailed it is and how easy it makes for the consumer to navigate as well as the offers and reward system you guys have. I'm now just starting to fix my credit and it seems that this is going to be a good journey to fixing my credit

They have a limit that prevents you from making more than 5 payments in a month which is plain stupid. Why would you prevent customers from making payments. How is it good business to turn down payments. These people are nuts. They said it's a security issue. Thieves steal money from credit cards. They aren't going to be making any payments on anybody's credit card so Credit One makes no sense. It's an idiot policy which led me to cancel their stupid credit card. Capital One, Discover card are superior. Plus credit one charges customers for phone assistance payments a fee of 4.95.

Everything has not gone through with my orders online. The most important one is medication for my one of my pets! I understand that it's ordered from a different country, but when Credit One texted an alert and I confirmed the order, the transaction should go through and be processed. Now I have to wait for the next business day to call customer service because I cannot afford to wait to see if it gets processed or not and then have to call. I wish I would've used my debit card now because I'm very concerned about the health of my pets.

First transaction right after activating my card was cancelled by the bank. No email, no call, no text, nothing. Days later when I go to check when my order is being delivered is when I find out the bank cancelled with no reason. The first person I spoke with, rudest man I’ve ever dealt with. Told me he couldn’t help and then had the AUDACITY to tell me I never used the card for a transaction based on what was “on his screen”. Asked to speak to someone else and he continued to try and talk to me. I continued to ask for someone else. He finally put me on hold to never come back. I immediately called back again and was thankfully put through to someone competent enough to tell me my card was locked, for no known reason as I had just activated it, and was able to help. The fact I had to go to Reddit to even figure out how to talk to a real person is crazy. Needless to say I’m quite unhappy and concerned about using this card/working with this bank in the future.

I'm so grateful for the chance to have credit. I’ve been underwater for a long time and now that I'm getting ahead I'm very glad for this opportunity. Thank you!

I'm saving this one for emergency use only. So I haven't used it yet but I do have other Credit One cards and they are great. Will be used for gas to go see a loved one who's dying. It will also be used for hotel stay.

Credit One is the worst credit card company I've ever dealt with. Even with unused funds, the card has been declined multiple times. After a while, they had to replace it, and the same thing happened with the new cards. To top it all off, my money has been blocked for two months now by a security department that has no knowledge whatsoever and relies on system updates. They simply don't consider all the identity verification I've provided sufficient. Customer service is the worst thing ever; absolutely no one is trained to resolve any problems you might have with your card. The ignorance in that department only makes you more frustrated than you already are with the card itself. The worst thing that can happen to you is having a Credit One card that you can never rely on.

Overall Credit One is a good Company and been very good to Me on rebuilding my Credit. But I wish you would lower your APR for customers that have been with you for years.

I like being with Credit One because they are always helpful if I have any questions, and the service is awesome. They provide me with options to protect my accounts, and I can use my card with ease. I would recommend them to anyone.

First, I want to thank you all for the support offered me. It is has truly helped me in this day and time. My family and I has been been appreciative of this opportunity to have the opportunity for a chance of Credit One American Express. Is a blessing.

I lost my card and instead of giving me a new card they charged off the account! I am now going to a credit repair company to dispute this! How dare they! I have been a customer for 4 years and this is what they do to me?! I needed a new card not a charge off.

They shut my card down when my personal bank made a mistake with my payment.. I paid them anyways... I feel this company keeps adding hidden charges because my bill never seems paid off.

Credit One Bank is the best as my knowledge. It is very truth and people love it. I don't know other people, but we love it. And I will recommend to my friends and family, too.

My only problem is I can't reach a person to talk to about an increase in credit limit ... I couldn't get the email to work but other than that I'm pretty pleased with your service you provide.

I am getting billed when my card isn't activated. I just wanted to let you know what kind of scammers that they are. I have tried to talk to them about this matter but they keep giving me the run around. I will be getting a lawyer for the problem. They are committing fraud.

The credit limit was not as expected. I sent the membership fee because of having an AMEX logo on the card via priority mail and representative claimed. Never got the money order.

This is the worst credit card I ever have in my entire life and I regret it. I will not encourage anyone to get it. Not only that their interest rate is high, you are not covered in case of fraudulent transactions. My card was stolen and used in NJ while I live in PA, they said it was an authorized transaction. Crazy thing I ever heard. The worst part of it is that no manager ever available to discuss this matter.

Well I love this card. The only THINGS IT'D YOU CHARGE A LOT OR FEE YEARLY IF I WANT THIS CARD ACTIVE EvERY YEAR. People sometimes want one of this cards. But they think about because you charger a lot fees yearly. I need it for now but I will close this account the soonest I can have a change

Credit One sucks. They overcharged my card right away with a 1 time $75 yearly fee, the damn company ain't nothing but a bunch of scammers! $75 is the exact amount of money they are offering for Cash advances! Seems to me it was a cash advance and not a one time payment! I'm calling bullshit!

I am going to pay the 75.00 fee that you charged for extending credit of 300.00. I will never use this predatory lending card and I will close this account before I have to pay anymore fees.

Helped me out to rebuild my credit. Def would and will recommend to friends and family. I wasn't expecting to be approved, I've had a bad divorce that had a negative impact on my credit. Thanks Credit One.

Not happy at all yet! Account was hacked before I even received the card. Then filed a fraud claim to remove the charges and I'm still waiting for that to happen!

If I could give zero stars, I would. Getting in contact with somebody is nearly impossible. My husband and I both got a 5% cash back reward card, but we're only getting 1% back. The rewards part sees that we're getting 1% and we're in the program to get 5%, but says there's nothing they can do. Then, you call the card side and they can't see nothing beyond the 1%. Total SCAM. Now we're stuck with these cards and we can't close them, because we're buying a house and it looks bad.

This was my first transaction after receiving my Credit One Bank credit card, and unfortunately it resulted in an issue immediately. I made a purchase at a Walmart gas station for $22.99, which is clearly shown in my Walmart app. However, Credit One Bank displayed an authorization/charge of $150 for the same transaction. What made the experience frustrating was the lack of customer support. I attempted to contact customer service using the provided phone number, but there was no option to speak with a live representative, only automated IVR prompts. As a new customer, having my very first transaction disputed and being unable to reach a real person was disappointing and stressful. Better communication around authorization holds and improved access to customer support would greatly improve the customer experience.

NEVER have I had such a hard time PAYING a bill! It is IMPOSSIBLE to edit my contact information. IF I want "customer service" from a so called agent it will COST me $5 and I STILL get an AI bot that "can't" help me with a simple task.

Consumer friendly website. Grateful for credit limit offered. Helps for emergency repairs. In this day and age thank you for the help to make ends meet with breathing room.

They will RUIN your credit!!! I had 2 accounts with Credit One. After the first 6 months it went downhill fast.... After one year of me paying way more than the minimum payments and sometimes double payments my available credit never was available. By the time they hit me with their crazy fees and interest there was NEVER any available credit. I called multiple times and first of all the customer service representatives are located in India or wherever they are absolutely ZERO help. They are nasty and rude...

False credit report, didn't send statements through mail and received multiple late fees, they even returned my payment back to me, posted an over the credit fee.

Was add on my email to invite me open account with Capital One and get bonus $300 plus no fees, plus no % until the 2027 and I found out it is big SCAMS, people be aware it is new way to scam people!!! They took 75$ for fee and said never heard about promotions. I'm saying removed all lies fraud from this World 🌎! Let's have this evil back to this company!

I would love it if payments were cleared faster. Waiting for payment to clear makes the card with small limit, useless for the wait. The credit card company is very accommodating reachable when an issue arises. Security is necessary, this online shopping is a risk. I wish that it could be done without the embarrassment of decline in a public shopping place, but online decline is good.

I am in the middle of a snowstorm. I have available credit on my account. I’m getting no text alerts for any type of transactions on my card. They’ve denied every transaction that I’ve tried to do. I’ve even tried to do in person transactions. All the banks are closed no one is helping me I’ve called so many times they have no legitimate reason why they keep suspecting fraud if I’m saying that it’s me and even offered to use my identification I’m literally in a state of emergency and I can’t use my credit card, which is for emergencies. How is it that when emergency happens when I can’t use my credit card. They make me wait 10 days for my available balance to be available and then when it’s available, I still can’t use it. I have no extra protection on my credit card whatsoever.

The card is good. The only thing that makes it not "great" is the yearly fee, don't you guys make enough off of interest without charging a yearly fee? You want to know how to make it better? Get rid of the fee!!

So far everything has worked out well. I was a little bit suspicious of it in the beginning, but they actually came through and they gave me a credit card with somewhat decent credit line. When Nobody else has without some sort of cash upfront.

They approved me for $1500 with my 'fair' credit, mid 600's. Thank you Credit One! Card came quickly in the mail! I called customer service about a question and they answered right away and were very polite!

Grateful to start with a reasonable amount of credit. $5,000 and over is just asking for trouble. Interest rates are ridiculously high in general. Started right away with a simple purchase online. My goal is to pay it off every month.

Credit One Bank was great at giving me a second chance to rebuild my credit. However, I am very displeased with this bank for a couple of reasons. I have listed them below.

Credit one is the worst credit card company ever.. You can never catch up and they do nothing to help you... I called in and got on a payment plan and it did nothing for me as I still got impacted on my credit report and was still receiving delinquency calls and contact and was still being charged outrageous rates... They are the only company that would not help.. Once I pay off my card I am closing my account and will never do business with this company again..

Very grateful and joyful and blessed and motivated and healthy and happy and trying to stay focused on the present 🎁 that's at hand right now! I love how my credit is going up and I will stay motivated 💪🏿!

Although not crazy about the expensive $95 annual fee. It was easy to get going. It shipped quickly and came in for use when I really needed it. Credit One has been good to me prior to the current one I had before. Kudos!

Credit One is a good credit card to have. They are very professional in the service they provide. So, I don’t think I have Any other thing than to always work with Credit One Corporation. My experience with them have been very long good one . .

Absolutely love it. Best decision I've made. I've tried many others and they can't hold a candle to this card so I'm trying to get my wife to get one now but I would recommend this card to anyone. Highly recommend.

Company: Credit One Bank, N.A. Credit One Bank approved and enforced a $1,000 charge that I never authorized, despite my only agreement with the merchant being a $99 annual subscription. The merchant later publicly admitted that subscribers were charged amounts they did not authorize due to a billing error. Despite this admission and my submission of supporting evidence, Credit One denied the dispute multiple times using the same reasoning, continued to bill the disputed amount, assessed late fees, restricted my account by reducing available credit to $0 despite unused capacity, and furnished adverse information to credit bureaus while disputes and arbitration were active.

Your card is a great help for me. It helps me to pay my bills in very critical time. Please increase my limit and help me to have secure management of my money. Thanks a lot for your help. It was a great opportunity.

ZERO STARS! Company is practicing deceptively! Becayse I used my card "excessively" despite gaving acailable credit, I must now wait several days to cool off before they will allow me to use the card again! So, forget about setting this card up for recurring purchases like Amazon, school fees, etc because I will never know if it will work. I am starting a class action and cancelling this horrible, ghetto trash!

Wish I would have got approved for more than 500 but that 500 definitely helped me out. I've applied for other credit cards and never got approved but I've been building my credit up and finally I got approved. It's pretty nice to have a credit card to have something to back up on.

Very good at this point, thank you very much. I'm very happy with my new credit card. I'll continue using my new credit card. I'll recommend to my friends and family for sure. Very good customer service. Thanks.

I love using Credit one and I like how fast and easy it can be used and it didn’t take long to come and I would get another credit if I get approved and I’m so grateful to be a customer at credit one.

I'm glad I join Credit One Bank. It's was no problem joining. Team members are very polite and professional and my card arrived on time straight to my mailbox. Thanks for excellence. I encourage you to give them a call.

It’s impossible to reach help, and they charge me $150 on a $30 fill up on gas. I’m trying to deal with it but they have no customer service. It’s a shit not that doesn’t give options needed. Zero stars.

I am happy with my new card, however it's says to update your income for credit increase, but does not increase your credit? So why offer if increases only happen once a year when reviews are done? Because that's not cool.

I have been trying to talk to someone for 2 days. When I did my original sign in I put the wrong area code in. Now I can't login to anything and my bill is 200 dollars more than the receipt I have. But can't get any help.

Do not use Credit One for anything, I've been waiting for 2 months for cards they've sent 3 different times and haven't gotten the first one. Before my first card was to even arrive they sent me a paper bill in the mail with annual fees before my card even got here. I know they have the correct address because I got the bill just not any of the cards. I think it's a scam just to get you to pay enormous fees and not have anything usable. Would NOT recommend to anyone.

Thank you for the opportunity to rebuild my credit. It’s a great new start for me. Thank you for the experience of using this incredibly great tool. For purchases, gas and online shopping what a great experience.

Very easy to use and easy to navigate through. I also like how you can get notifications within seconds of using the card as well as being able to see the credit available for you on the home screen. The app is easy to use as well.

I was surprised that I got the card, but I do appreciate the card because it came out a good time. I was needing gas and also I was needing groceries. So that’s all I have to say. My review is very well.

They charge the highest interest and on top of that they charge $99- 100 Annual fee every year you pay $100 for having their card plus 29.9 % apr.. It's like if you buy something for fifty dollars you are paying them close $100 back. And they will hike the annual fee without notice.

I’m still not even sure this bank isn’t a scam. Received my card last week - activated it and 5 days later I still cannot make a charge. Everything is instantly declined with reason being “charge rejected by card issuer - contact bank for assistance.” Excuse after excuse from customer service but I was certainly charged the $95 annual fee as soon as I activated the card.

Great bank, approved me evene when I was struggling with credit so I could build my credit. Approved me for credit cards, easy to make payments and use the app. Couldn't be a better credit card company.

I haven't even been able to use my card. It gets declined everywhere. So this is worthless to me. I have called multiple times and they tell me that it is active and working fine but then nothing gets approved.

Customer service was great. Answered all question and solved my problem. The Representative was knowledgeable on the products of the company and explained everything in great detail. I would recommend Credit One.

Credit One Bank has been a game changer. It's helped me rebuild my credit, gave me steady limit increases and has plenty of rewards. Would definitely recommend to anyone needing to start their credit journey or hitting the restart button.

Whatever you do do not use this bank. They are liars. They told me they were going to give me a credit limit of $2,400 and when the car came the mail was $400. I don't deal with losers and as soon as I pay off the $400 I'm going to give them their card back.

This card was one the best choices I made with my personal line of credit. My friends and family all use Discover Card and they completely satisfied. Thank you so much. I own a home and my personal line of credit is very important to personal financial well-being being.

I love it! They were quick shipping my card. Took the annual fee out of my 500.00 credit line and the app is completely self serving and I am so grateful and happy to have them inclined with my upcoming credit success!!! Thank you Credit one!

Unbelievably garbage customer service! First of all, foreign/offshore customer service is being utilized - complete garbage. When I asked for an assurance of a credit to my account for what they claimed to be a "system glitch", they stated no one in the organization was able to send me an email confirmation. These people are liars and not to be trusted.

My card was easy to activate and came at a crucial time for me, thanks Credit One. However I have spoken with customer service several times and they've done a great job of explaining how things work. In the future I plan to link my bank account and things will move forward even more. Excellent way to build credit for those like myself just starting out.

I give it a one star, because that app is always crashing. Never lets me log in even with my finger scanner. I recommend the company update their app and make it more accessible. I don't like how I can't pay my bill off. Please put this thing in your top priorities for fixing the app.

Horrible customer service and a mediocre card at best for credit building. There are so many credit builders that don't charge exorbitant amounts of money and do the same thing. God forbid you forget to make a payment with these guys; they'll call you 3 million times while you're at work and only ask for information, giving no reason for their call. Yes, let me just provide my social security number to someone with a heavy accent calling me at 9 am on a Wednesday, claiming to be from Credit One Bank.

Credit One is a great card the application and approval process was easy and stress-free. I was approved very quickly with no hassle and no weight. Card is great awesome so far so good. They also made the payment process very easy and you can choose your own date. It's great.

Easy use of card, less interest than the others, gotta start somewhere, so $300 credit limit could be worse... Thanks for giving me a chance... They don't charge you $300 annual fee and programing fee like the rest either... So when you get your card, you have whole $300 available to you....

I love it 'cause I can pay whenever and get the credit right after I do it and good company and good service and good card and plus they don't change arm and leg for fees or trying to take money from you.

First I just want to say that I'm grateful to Credit One for giving the opportunity to build credit by using their card and I love how quick they were to approve me to send out my card to give me my card. They let me know what was going every step of the way. There's just one thing that I found to be a little bit frustrating that being apparently getting this card to the card I got there was a $75 activation fee if they took from the starting balance of the card and they gave no indication during the activation of the card that such was happening and I hadn't seen the thing that said that that was going to be the case and so I literally started off with $75 less to the account than what I thought I had and having known that in advance would have changed how I had initially spent some of my money but other than that everything's great.

What is embarrassment. They sent me a congratulations for $300. They don't have my right phone number. They don't accept my email to even accept my card. I don't want it stick it up there. What you know what I mean. As soon as it gets here I hope they can be able to understand. If I hear from you again I'm taking you to court Credit One. $1,500 no hassle. Great business Capital One. I don't understand. You're a piece of s***.

Applied for card and was approved, and the card came on time. The service was excellent. I would recommend this credit on service to my friends and anyone else. If someone asked me about a credit card.

Enjoy the opportunity to be able to purchase I wanted to purchase for Holiday gifts. Credit One is a reliable financial resource and offers many different benefits. Which makes managing credit services easier to manage.

Amazing. I was able to start making purchases that I needed immediately as soon as my card arrived. Amazing card. Great features and it works for every purchase. Was great to be accepted for this card. Truly blessed.

I applied for this card and was accepted with no problems. I like that I didn't have to pay upfront, they took it off my card instead. I've had no problems using the card in store. Thank You Credit One, Visa.

Words cannot express how much I hate Credit One bank. If you are considering using this credit card company, don't! Save yourself the hell. Made a payment using a debit card over 18 hours ago and the available credit is still unavailable. I've had this card since 2021 and have never run into this issue until now! Completely ruining my travel arrangements for Christmas. There's a special place in hell for this credit card company.

Experian recommended this company to apply for a credit card. The online application was easy. The response was quick. They give you a selection of card faces to choose from. I got an email letting me know when it would arrive. I received it in a few days, and another email confirmed the day it was in the mail. I received it that day. This card will help me rebuild my credit score. The limit is just enough to work with, and the interest rates aren't as high as other card companies.

I was charged 70.00$ something on my card that I had just activated but have not used... THAT IS SO NOT RIGHT!!!! I should have never been charged when the card has not been used.. That is a scam.. Y'all are scamming me for money.

While I appreciate the opportunity to improve my credit, the first payment made was returned with demands for bank validation from the bank where the funds originated. They locked my account and won't remove the lock. I am not able to provide the documentation they have requested because it is not my bank. My fiancé wanted to pay this for me. They want validation from his bank and a copy of his driver's license. This is not his account, and out of privacy concerns, he will not comply. The payment was for the full balance due, not just the minimum. However, they can offer no explanation for why they have taken this action.

Good for emergency, and vacation expenses. I will probably use now for Christmas. I have 6 grandchildren and they all will be receiving gifts this year, plus my wife needs new earrings. I thank you for the increase.

Thank you, for helping rebuild my credit and giving me a chance. I had just started building and you came through to help. They was fair when needed to be. Just try it. If you don't like it then you can cancel it.

I filed fraudulent report, they all were from Dunkin' Donuts, the fraud detection people on their end even say Dunkin' Donuts is known for doing these things, I don't shop at Dunkin' Donuts as it is, mind you all these purchases are made from places away from me that I don't visit, they filed the disputes, and found them to not be fraudulent, under the guidelines that since I paid for them not seeing them on my statements, mind you one of the numbers connected to one of the disputes came up a couple times. They said one one of them they did say was fraudulent and accepted, how ya gonna accept one as fraud but not the others, so they reversed reversed all credit they gave me back from the disputes and threw them back on my account,.

I really appreciate the opportunity this card has given me to work with some credit. This card came at the perfect time for my situation. And the support from CreditOne is top notch, not intrusive, but not missing.

It was easy and fast to apply. I received my card sooner than the estimated delivery date. I got approved for an amount and when I activated my card it was less than what I got approved for. That is the reason for 4 stars rating. If that is fixed then the rating would be 5 stars.

If I could give less than 1 star I would. I've made on time payments, and paid the full amount off every month. Every time I submit a payment it takes over a week until those funds are available. As someone who lives paycheck to paycheck; this company's policies make it impractical for use.

This is not a bank! This is a scam center. I regret the day I opened my bank account with Credit One Bank. To begin with, the bank did a hard credit check on me. It lowered my credit score substantially. Absolutely abusive and criminal! Do not do any business with them. I regret ever opening an account with them. You will to. Don't.

Very poor-they keep sending me someone else's mail. I have never been a customer, nor do I intend on being a customer. They do not comprehend I am not person they are sending mail to 5 TIMES. They do not listen nor do I think they care.

I really wish I didn't have to leave any stars but since I have to leave something I'll leave one. These guys suck. Don't go to them. They only let you use your card where they want you to use your card and if you don't then they lock it so don't rely or depend on using it if you're going on vacation or anywhere else because you'll be stuck. You've been warned. And they charge you $75 annual fee for nothing.