Credit One Bank Reviews

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.

I tried to make an account several times to pay my first bill on time. The verification email never came then after my payment was late, I try again and my email comes. That way they can charge a late fee.

I do not know how this place is legally in business in the United States. They overcharge & make fraudulent changes to your account. They charge monthly maintenance fees for no reason. You can't ever talk to anyone unless you say your cards been lost or stolen. You get absolutely nowhere with them. I had to just pay the balance they said I owed so I could close the account. Spent hours upon hours on the phone going over the same thing. No one's first language is english. They're also rude as heck. I paid them over $300 that I didn't spend. This whole place is a complete racquet. I would suggest staying far away from them. They should be shut down for shady business practice. Im out $300 just to close my acct# so my credit wouldn't get pinged. They're terrible and hopefully karma finds everyone of their non English speaking reps. KARMA may find this company. If ever there's a class action lawsuit hmu for real.

Beware of this company being affiliated with ** call centers who are also ** “scam” call centers. If you are a customer, get rid of them especially when they refuse to let you pay unless you give them your bank account number, and or your Social Security number. Every month, I had to make a payment it would take me no less than an hour and a half to process a payment with this company because they would outright refuse to accept my money unless I gave them my bank account number or my Social Security number. Below, all those numbers listed for all seven days of the week are from this Credit One scam call center. I haven’t had an account with them in almost three years. When I left I paid them in full. I even called them this last time of a more recent year ago to ensure that nobody had access my account. These scam affiliated companies have infiltrated our banks and our credit cards with no oversight from Congress. Beware of them!

Did not receive a product or service, disputed charges, "merchant claims you did", said I had to pay. Asked for their required mandatory arbitration. They sold account to predatory service who is now suing me for double what they claimed I owe instead of the arbitration... on something I never received. Avoid this "bank".

I really truly like Credit One and would definitely recommend it to anybody. Just sit back, be patient and Credit One will give you a lot of help financially. I've only been with them for about 3 months and truly love them and would never change to another bank ever.

Just a horrible company. Waste of money and time. They I paid my total balance off and they closed my account. Now it’s going to report on my profile as a closed account when I’ve never had a closed account on top of them closing it after I paid total balance.

My credit card payment is due on the 1st of each month, I paid my bill on the 1st at 7pm their time and because it was not paid by 5pm they charge me a late fee. I am paying this card off immediately and closing account. I will find a more reputable company. Also it takes forever to get a live agent on the phone, just RIDICULOUS!

Credit One is a great credit card, but not sure if my problem was handled because I received another call from people claiming to be from Credit One Bank which showed up on my caller ID. The phone number that showed up was ** and I KNOW they are not Credit One Bank. If you call after hours, they tell you have reached Credit One Bank after hours and to leave a message. I know better and did not give them any information, but these scammers are using the Credit One Bank name to confuse people into you giving them your information. These people asked me for my social security number to identify myself with. Please will someone from Credit One Bank fraud department take care of these people. They are making Credit One Bank look bad. One other thing when you call that number you get a human when the phone rings. Very strange. Not the Credit One Bank that I know. Thank you. Linda **

After receiving my card. 2 days later. My card is locked for identity verification. I sent in everything needed. It’s still locked. Looks like this happens often. Now it will go on my credit. The card in unusable. I’ve called multiple times. This bank is a scam.

Takes them a very long time to accept payments and gives you random charges out of nowhere, wish I never started banking with them. The "Express Payment" on the app never works with me and I don't know why, you even need to pay a little fee for that too. This company has cost me so much in money, even when I dramatically reduced my monthly income since I lost my job they highered my credit card spending. I seriously don't understand this company, I can't afford to keep up. I feel robbed.

I used this card for less than a month before they wanted to verify my information. Seems reasonable until I was told I need to PRINT and MAIL copies of my social security card, driver's license, and a utility bill. My time is worth more than that. I won't even waste an envelope. I just canceled the card instead. Other issuers have given me no such hassles.

After becoming ill and losing my job, I had a tough time with my bills in debt. I contacted Credit One only to find out that they said I was way past due. I said why wasn’t I sent anything in the mail? They said, "Because we don’t do that. It’s an online account." I said, "I contacted you to tell you that I was hacked." I could not receive messages on my online account so they put me on hold.

If I could give them 0 stars I would. They have poor customer service and they will close your account even in good standing. The worst experience of my life, people. Please stay away from this card. They will take forever to process your payment. The interest rate is high. This card will mess your credit score up.

Credit One is abusive and harass you consistently on weekdays with robo calls even though they have an active lawsuit. They will make mention of your payment and use that against you saying it wasn't enough and will need to bring a supervisor on the line even though you are just asking them to stop calling you repeatedly. This company should be banned from existence for operating with just malice. I'd be better off defaulting on my balance. Worst choice I ever made was signing up for two cards. There's no point in saving my credit anymore.

Credit One Bank fraudulently pulled my credit report without my consent. I asked them if they pulled my credit report and I was told no. I asked several times and was told no by a supervisor named Rose and representative named Anna. I reminded them that I did not give them permission pull my credit, and was told by Credit One Bank that they didn't pull my credit report, and didn't know how to. I recorded the full conversation between Credit One Bank and myself as proof, and took a screenshot of them stating it would only be a soft pull if they did pull credit. However, I found out on October 14, 2025 that Credit One Bank did in fact pull my credit, did a hard pull from all three major credit agencies, and lied about it.

Constantly charged late fees although I paid before it was due. Their site to pay your bill was constantly down. I called about a late fee recently, I paid before the due date the entire statement balance. She transferred me to the account advisor. He was clearly aggravated. He said because I was a good cardholder for so long he would adjust the fee. The next day I received an email that my account was closed and being report consumer reporting agencies. I have never made a late payment. It honestly feels like a scam. I’ve never had so many issues. And to have my account closed and reported the day after speaking on the phone with an angry advisor is strange.

I got this card to get my credit score back up after going through some financial hardships. This card has given me nothing but problems from fees to saying I made a payment late when I didn’t. Now more recently I have a return payment when the payment shows on my banking app that it posted. I will wait until I get paid again to try to pay once again and then I will be closing this card. It has brought my credit score down.

FRAUDS, LIARS, CHEATERS, they do not report correct information, credit bureau, their frauds and magnificent customers have the card blocked. Well, they charge interest and receive it. They're running Ponzi schemes.

I have had 3 Credit One cards for 5 or 6 years. I was never really upset with them until recently. I can't setup my account anymore to take out monthly automatic payments. My bank completely screwed me up but there should be some kind of reset when freezes happen but the account is active. I am so used to doing this that I forget this one card company won't let me do automatic payments on the card. I keep being late cause I forget it's no longer automatic. The biggest issue is they lie about anything and everything. They'll tell you you're always late when that's not true (was only late because my bank froze my account to verify a large deposit) when you tell them to waive your late fee (your one a year).

I contacted them about a fraudulent charge on my account. It was hard to get ahold of someone, but once I did they cancelled my card quickly and issued another one. HOWEVER, they also transferred the fraudulent charge to my new account. When I contacted them about it they said I needed to send in proof. I did and after a couple weeks of nothing happening I contacted them again to see what was taking so long and why this charge is still on my account, They said it takes months to review and remove it. So I can either pay for a charge that is not mine or refuse to pay and let it sit there and then late payment goes on my credit report. This is not ok. Closing account immediately.

Worst credit card I ever had. Poor and unresponsive customer service. Their fraud alert system is stupid. Almost any transaction you attempt will be rejected especially at a gas pump. Do not attempt to use at a gas pump. Go inside the station. Their “American Express” branded card has nothing to do with AMEX and not supported by AMEX customer service. I had the card for two weeks and cancelled it. Useless bank and useless customer service who have no authority to do anything. Their antiquated computers and business model runs everything. Avoid at all costs. Super high annual fee too with only 1% cash back.

They are manipulative and are predatory from the word go. They know people with low credit start there, and a $95.00 yearly fee is a joke. The whole "Rebuilding your credit" is a joke as a system, and my life should not have to be based on the best predator. I closed the card 3 weeks before the yearly fee was due. Low and behold, they are still charging me, and saying I can "Reinstate" my card???? That's not what I said, but apparently it's a Credit one thing. I have to pay the 95, or it will be reported to the bureaus. I'm over it.

I do not have a credit card nor do I have a bank card. All of my accounts they either locked me out saying they couldn't tell me. Why are they try and act as if I am working with them on AI. I don't use AI but Grok and I don't have any of my vending accounts. They show on my devices I'm vending yet never say what. They have stolen all my inheritance and I will get it all back. Everything that has been done to me or my family will be paid back twice in full and they will never stop paying it back. They have already been pulled from earth so it is only a matter of time.

I just got this card a couple months ago $200 limit. I never used it. Today I received EIGHT phone calls within two hours. Apparently they wanted a payment. A payment?? I never used this card. I called and canceled this card. The rep said she will do her best to waive the payment. My God! This bank should be shut down.

I've had this card for almost two years. It has an incredibly low credit limit, but I needed an American Express, which is the only reason I accepted this card. I recently received an email stating they were increasing my limit by a whole hundred dollars. I have good credit, and this card is far below the limit on my others. Capital One doubled my limit after a year, and now it's almost a 5k limit. These individuals limit me to 600 dollars. It's time to pay off the small amount and take my business elsewhere. Don't waste your time with these people. Customer service is poor, and the card is not worth the fees. Credit One, you should treat your customers better!

Credit One is mailbox information is in the US. They are from another country. Actually should be reviewed by Federal Trade Commission. They give credit. You make payment on time at that. Then decline your card for identity fraud and want all your personal information mailed to a P.O. Box in Nevada. Plus e-mail them. For 2 months I been harassed by this company. My account is officially paid and closed. They also wrote a bad review to my credit bureau reports. My lawyers will be handling this from here on out. How is this legal within US standards. 🤔 There is no Credit One Bank in the US.

I would give no star if a option, not only did they have high fees they also wanted me to pay $15 for a credit increase, I didn't do that instead attempted to pay them off ahead of time, then they kept sending but payment back so I used another bank account of mine and they did the same, sent it back and said it was insufficient funds which is wasn't. After that they closed the credit card account and wouldn't reopen, they continue to call but I can't even sign it to pay on it now so do not use them it's awful!!!

They are predators as has been stated in several reviews. I missed ONE PAYMENT and was charged over 200 dollars in late fees. Instead of marking the payment as misses they kept adding it on saying I didn't pay the full amount due each month for over six months. They knew they were wrong because they credited a little less than half back. I reported them to every agency possible to no avail as their response was the same each time...sending me copies of the agreement and copies of the bills that I had already sent them. They closed my account and I didn't receive the letter until AFTER it showed up on my credit report. Save yourself the trouble and find another company to try to help rebuild your credit. These are money hungry predators.

This is an active criminal organization engaged in multiple levels of fraud that appear to be perpetuated by all employees. They purposefully provide false information to fraudulent charge late fees. They charge late fees on on-time payments. They report on-time payments as non paid to credit companies. They do not even try to hide it. Contact local regulators and authorities... This isn't a bank, it's a fraudster literally targeting your dead relatives. Not speculation, we state this as absolute fact.

This bank is the worse! I haven’t had a chance to enjoy the card. I closed my account and pay more than my minimum and my account is ALWAYS over the limit, I’m not even using the card. They don’t give grace periods like normal credit card do. They are a ripoff! Their customer service might as well be robots, they follow a script, not personal at all!! STAY AWAY FROM CREDIT ONE!!! You have been warned! Do not use them for any reason! Ripoffs!!!!

Credit One Bank is holding my money for 7 to 10 business days because of fraud. There is no fraud on my account. They want me to submit documents on their website and wait 7 to 10 business days to verify that they are indeed real documents. To me that says that they are in financial trouble and they cannot afford for anyone to look over the documents. They also keep crazy long holds on things. They are literally the rental center of credit cards.

Trying to prove your identity seems to be impossible. They ask for your driver's license, your social security card and also a utility bill along with your signature. It's been 3 weeks and I still haven't heard anything.

Don't do it! They are PREDATORY and will file a FALSE and FRAUDULENT report on alleged balance on an account opened in March, 2025 and CLOSED in April, 2025, an account that was never been ACTIVATED. They will LIE to the credit reporting agencies in an attempt to EXTORT monies from you, denying ALL of your rights afforded by law. Then they will call you 18 times a week, even on Sundays, which is ILLEGAL. Don't allow them to bully and intimidate you. Law firms are well AWARE of this company's business practices. see you in Federal court COB.

Run, don't walk away from this bank! I had a fraudulent charge, which eventually got reversed, but they still keep charging me interest on the charge. After multiple attempts to get the interest charges reversed and their assurances that they would, the interest keeps adding up. Customer service is apparently useless!!

I had their card for over 9 years. Actually 3 cards. This year earlier I closed 2 accounts as the fees were not worth the benefits. I kept 1 as it was my oldest card. It was set to expire in June and they sent notices the card would be arriving soon. It never came so I called to have it cancelled as it I assume went to the wrong address. They stated they would send another replacement card which they did not! Extremely deceitful pack of losers. I closed my account and took the beating in my credit for closing a 9 year old account and paying it off. Best move I ever made. Run don’t walk from these people or you will be sorry as many are.

WORST CREDIT CARD YOU WILL EVER OWN! DO NOT DO NOT apply for this card! You will pay and pay and pay with no decrees! They are quick to dock your credit too! AWFUL BANK! They closed my card and yet still penalize me with CRAZY INTEREST and Late Fees on a CLOSED CARD! Yeah sorry Credit one. You are a SCAM!

They sent me a credit that had a restriction preventing me from using the card. I sent them documentation multiple times and still no resolution. They were even reporting to the credit bureau that I had a balance when I never used the card due to the restriction.

Credit One Bank should consider closing its doors as they exploit their customers. Customers diligently make timely payments, only to have their accounts closed, negatively impacting their credit. This was the case for my son, who consistently paid his credit card on time without any delays, yet his account was closed without any explanation, which adversely affected his credit score. I strongly advise everyone against using Credit One Bank.

Credit One Bank just lost a massive class action lawsuit for their shady practices and they haven't changed a thing. I've been working on rebuilding my credit since co-vid and as my score increased, so did the frequency of offers Credit One sent to me through the mail. Finally at the beginning of May, I was curious as to how much credit they were offering and scanned the QR code in the latest mailer. After verifying my identity, I saw the they were offering a $400 line of credit. I thought it was funny and exited out of their website and forgot about it. About a week later, I was shocked to see that they mailed me a card! On the card was a sticker with another QR code to scan to activate the card. I did not activate the card. Another week goes by and I received a bill from Credit One for a $95 annual fee.

Unauthorized phone payment. Paid off my card. When I called they said it’s not fraud, but I never authorized the charge. This is the second time I’ve had an issue with charges from this company. Avoid at all costs!

Dont do it! Don't get that card. I had their Platinum card for a year and canceled my account! A year and a half after my account was canceled, I received a letter from debt collectors saying I owed $80 to Credit One and now I have to pay $1,000 to the collection agency. I've never been late on my bills. Credit One didn't send me any letter in the mail telling me about the fraudulent $80 they invented I spent. Now I'll have to spend money on a lawyer, a court, all because they can't send a letter to resolve the fraud issues of a CANCELED CARD. A card on which I spent $500 a month and never was late, but they believe I spent $80 after canceling the card with my account empty. A horrible surprise and a headache to resolve this problem when I have enough going on in my life.

This bank would have gotten 5 stars. Because it's pretty good except for they don't tell you everything when you call them and ask questions. My credit card got closed because I had a misunderstanding between this credit card and my bank. Instead of. Email me and saying hey if your payment gets rejected 2 more time we will close your account, they just say rejected payment. Now mind you I did not have to make a payment. But I wanted to go ahead and put ten dollars on it to get it under the two dollars that I was over. Instead I was just told that my card was closed period. No, explanation of why not that?It meant that I didn't have a credit card anymore.Just that it was close. Close to me could mean anything like.They closed it until my payment was made. Yes, that was my thought, don't ask me why I thought this. I guess they expect you to know every single rule even though it's three pages a rules to remember.

I can’t speak about personal experience “using the card” or making payments (common complaints). But I can for sure attest about never getting this card in the mail after being promise I will get it. In fact, I NEVER go it in the mail after all the waiting. First expected delivery nothing! I called they said wait 10 days. I waited 10 days then nothing! So I smelled something fishy. I called and canceled it right away. All I can assure is that reading about all these disappointed customers I realized this could be true. I really believe that the card never coming in the mail was a blessing in disguise! Because I immediately cancelled it. However, I’m still waiting for them to complete the process. Let’s see how all this unfolds.

Don’t do it! You will start a credit account with debt to pay for annual fees then additional fees and high interest. Payments you make usually don’t apply to anything so you are wasting money! If you miss a minimum payment, they blow you up excessively over 10+ times a day and from different numbers! I started getting a ton of scam calls around the same time their behavior started!

Credit One’s handling of my account was an absolute disaster. I opened a credit card and linked my dad’s bank account for payments, but they blocked my account and demanded a bank letterhead within 30 days to verify it. I couldn’t get the letter in time, so they closed my account without warning and refused to let me make any payments. They allowed $40 late fees to pile up for over six months, then reported it to credit agencies, tanking my credit score. Their customer service offered no resolution, leaving me stuck with a damaged credit report and no way to fix it. Avoid credit One unless you want unfair treatment and zero support.

Negative 5 starts if I could. The absolute slowest to process and post payments. I've paid extra and tracked my payment by mail and through website and for them to receive a payment on a Monday and it's been there over a week and not posted. Every single time you call it's no we don't have it, allow 7-10 business days and 5-7 to process. Your balance is... You have a payment due would you like to make a payment, add bank account info. Call back in few days. Every single month every single time. They need audited severely.

I've had a Credit One credit card for awhile and find their business practices to be unscrupulous and unethical. First they abuse collection calls and charge usurious rates that probably violate most state laws.. They ignore correspondence and provide no live telephone response.. DO NOT HAVE ANYTHING TO DO WITH THEM..

I attempted to set up a savings account with Credit One Bank. There was no mention anywhere about transferring money to fund it from a trust account. I then found out that a Credit One Bank account cannot be put in a trust. Why couldn't they provide that information up front? Extremely misleading.

This is THE WORST CREDIT CARD I HAVE EVER DEALT WITH IN MY LIFE!!! I keep getting declined for charges I APPROVED AND I AM AWARE OF, yet it still gets declined. This card left me in a really bad predicament about a week ago, and now they put a temp block on my account. I still went ahead and followed instructions by uploading my ID and utility bill for identity verification purposes and they have the audacity to tell me it'll take 7-10 business days to verify then unlock account. What was the reason for giving me this card again? Not to mention it took forever for the card to be mailed to me. Just overall experience so far is TERRIBLE!

I had 2 cards with this company. I've paid each card on time. I recently paid off both cards. One particular card I made the payment the Bank One system. Not even a minute later, I canceled the payment. I received an email stating Bank One canceled my payment thru their system. I decided I wanted to pay this card using my bank's online payment system so the money can be draft immediately out of my account.

They took out over 1,000 in my account without authorization. They were authorized for 39.00 only. My bank gave me a provisional credit and have a dispute going. I talked to five people in one day, then next day 3 different people. They told me they will give back my money to my bank in 10 days. Not happening yet and will be contacting my attorney. This is FRAUD. IN INDIA AND READING MULTIPLE COMPLAINTS ON CREDIT ONE! DO NOT USE THEM! THIS CREDIT ONE AND NOT CAPITAL ONE! BEWARE.

Unfortunately have been a Credit One customer for 4 years now! I lost everything and had to start over which involved rebuilding my credit. I fell into the credit card trap but I am getting out of it! My sincere advice, Credit One charges too many fees and did not have my back on fraudulent charges.

Beware. These guys are from India and are scamming people. They get you signed up, once you make payments, they take the money and shut your account off. They want you to increase your balance to "Help raise your credit score". It's a scam!!! Beware.

This is the worst card in life. It would state I have available credit for over 300$ then would decline on 20$ purchases or less. I have been told by multiple customer service reps that I need to have a backup card to pay for this because it will keep getting denied due to security protocols, but there is no proper learning in their security profiling. It denies you despite you approving the purchase and stating it is valid. It also sends a text message an hour later to try to validate the purchase, then will deny you again when you try to purchase something. I wasted too many hours of my day calling their horrible service center. Don't wast your money, credit, or time.

Terrible customer service. I was transferred to multiple departments. Was told I would get a call back. Never any resolution to my issue. I disputed a charge. Was told I had to pay for it even though I said it was fraud. I asked them for the merchant’s phone number. They gave me a number that was not in service. I called back again and was given the runaround again and was still told I have to pay for that charge. The credit card company does not back their card holders. They back the merchants. Even the ones they can’t give you merchant information on. How is that even legal not be able to provide accurate merchant information. The one customer service rep told me to Google it. Beware.

I’m warning others about my terrible experience with Credit One Bank. An account was opened in my husband’s name without his authorization—he never applied for or received the card. Despite paying a $35 annual fee in error and calling three times to dispute it, the company closed the account but continues to charge fees and interest. They’ve refused to remove these charges and are reporting them to credit bureaus, damaging his credit score unfairly.

I got this card to put a $15 subscription on and pay off each month to help my credit usage rating as I rebuild. Over 3 weeks went by since I was approved and 5 days passed since the estimated arrival date according to the shipping email and app. So I called and asked them to cancel it out of concern it was stolen or lost in the mail. They told me it would be another 5-10 business days. The first issued card shows up 3 days after we closed it.

I had three charges of $100 on my account. The one I looked at it there was no sign of fees or anything. My balance I had paid off was $129 and then I looked at it again a week later it was $426 and I never knew how so many fees could accumulate. They charge my account three times and I'm pretty sure I did not authorize those payments.

So today I get a text saying…I’m $122.98 negative…so I’m like…hell to the naw naw…I just paid my bill on the 25th…Long story short…I called in to see what is the problem…as I'm talking with the first person about this matter…they say that my account has been closed…so I asked why…This person couldn’t tell me why after putting me on hold…so I asked for a manager…Manager tells me more information about why my account was closed…We then go on to the refund process…The manager told me that…if I have refund sent to my bank…it will take 30 days, and if it is mailed…then it will be 7 to 10 business days…

I've requested documentation in writing over 30 days ago from Credit One Bank and have yet to be received. I contacted the bank the same week I activated my card due a restriction being placed on my account within 24 hours of activation. I contacted the Bank May 31st advising of such issues and was advised by an account representative the bank required to verify my identity, banking information, lease agreement, utility bill, drivers license and employment salary. Now, the option for communication (due to theft of our postal service mail) I chose all communication be uploaded to my "documents/statement" section within my portal. The only document I've received from Credit via portal is the latest statement. I also paid by bill within 2 weeks of activating the card, prior to the due date and prior to Credit One uploaded the new statement.

Save yourself the stress, do not get a credit card with this company, insane taxes and APY before you even activate the card, if you’re in the market for debt Credit One is for you, if you want stress and no remorse for your future Credit One is for you, or if you just wanna throw all your money away in interest changes before you even make a purchase, Credit One is the credit card company for you.

I’ve been a loyal customer a little over a year. Pay my bills on time & good 740 credit score & can’t get an credit increase. Very disappointed. Why can’t I get a increase. I’m thinking of closing my account.

I called Credit One to ask what payment issues could lead to my account being closed. The frontline rep was not knowledgeable and confirmed the supervisor i requested would not have any more answers. The supervisor Sophie was also not knowledgeable. She just through random scripts and suggestions never answering my question. When I asked where to find the information the human staff could not provide, she directed me to online portal and term I agreed to... I asked if she knows I will find the answers in my documents, or is she just telling me things, the call ended and I got no call back. Poor customer service team who obviously lack the tools to provide simple answers.

First of all, getting someone to understand your concern is nearly impossible. They are scripted and not able to think outside the box. I received mail as I had accounts opened with no account number and I called to see if someone perhaps has fraudulently opened an account based on the telephone number on letter. They wanted so much information that a scammer would want to certify if I had an account or not. Months ago, I continued to receive mail at my location not addressed to me. I called and called to let them know no one lived at my address by that name. No assistance. So this is why I called due to me feeling like something was fishy and that the person opened an account based on this.. no assistance! Consumers' data has been breached and you never know who is using your information.

I obtained a Credit One account thinking it would improve my score. Did not help. Credit One is inept, rude and slow. They MAKE IT difficult, I believe, purposefully. I paid every payment online, on time and Credit One consistently delayed payment. My device was hacked and Credit One behaved as if I was to blame and reluctantly cooperated. Tried to close account and Credit One still failed, Credit One actually tried to put an additional $30.. I STRONGLY ADVISE ANYONE TO AVOID CREDIT ONE!!

Payments to this credit card are processed but does not reflect in the available credit for over five business after the money has cleared your bank account. Very unorthodox practices due to the available modern technology of 2025. I’m sure any other option is better. Don’t get this card.

Based on my experience, I cannot recommend this card. Upon activating the account, I received over ten scam robo-calls daily, at all hours. Despite blocking numerous numbers, the calls persisted. Furthermore, the card carries a high annual fee. After a year of these issues, I closed the account, and the calls ceased. I have since learned of a lawsuit against Credit One regarding harassing phone calls. Therefore, I advise against this card.

I have had nothing but issues with Capital One Platinum credit card. Before I even received my card in the mail they were fraudulent charges which maxed out the card. I contact the customer service to order a new card and they said they would send it. I told them to send it by FedEx and not the United States Postal Service. After receiving my new card I later found out that I could not use my card for its original $1,000 spending limit because I would have to wait 3 months until the fraud investigation was completed. I only had about a $100 spending limit on the card at that point. I have spent so much time on the telephone talking to Capital One Representatives about these issues and it is very frustrating and I would have never ordered this card if I knew I had to go through all of this. I keep wondering how was a fraud committed on the card that I never even received? I do not recommend Capital One credit services.

I would have to say that my experience with just receiving the credit card has been the worse. I didn’t receive the card so I called to update the address and a week passed so I called again and was then told the address correction process wasn’t done correctly the first time so I would have to wait another 7 to 10 days. The staff is just incompetent so I cancelled it. I wouldn’t waste my time applying for them.

If I could give this ZERO STARS!!! I would!!! I got a low limit line to help build my credit back up. I made TWO PAYMENTS and BOTH WERE RETURNED TO ME!!! Then they marked my account late and charged me a late fee!!! And now it’s on my report that my payments were late when I made them!!!!! They returned them to me for what?!? I literally made my payments on time! Absolutely terrible. Did nothing but made my credit worse for absolutely no reason.

Credit One Blows! I made an almost $200 payment and they restricted my card and refuse to issue credit despite jumping through ridiculous hoops. All I want is to give ZERO STARS!!! What's up Credit One, you like scamming good customers?

Card is unreliable I took a trip to New York City trying to get a hotel for two nights it only allowed me to book for one night. Also I have a large available credit limit but my card keeps getting denied. No one has told me how I can approve charges that I'm actually doing. My card has not been stolen. I have available funding on the card however I keep getting denied when I try to use the card. At this point the card is as useless as the plastic that it was printed on. I called Credit One after several attempts finally got through to customer service. I wanted them to cancel the card and just issue me a new one, hopefully the problems will subside. They stated that there's a $25 charge. Why would I pay $25 to fix their problem. This is the issue with getting a credit card this issued to people with a low credit score. Moral of the story keep your credit score high and intact and you don't have to deal with foolishness!!!! I will be closing this account as soon as possible.

Awful customer service. No cash back, high impact on credit score with no time tolerance for small amounts. Call harassment everyday, any time, late in evenings and at the weekends also. High apr and interest rates.

This credit card company is horrible. They close my account without my knowledge and did not mail me. Any information in the account was closed. Open my account and then ask for documents for verification. Horrible. I would not advise anyone to open an account with them.

This is a terrible credit card company. I've been with them for almost 2 years, always made my payments on time. I asked them for a credit increase and they said no. They're extremely hard to get a hold of. Nothing but automated responses and AI robots. Whatever your credit limit is take $40 off of that because that's all they let you spend. Silly business is what this is. I have had a much better experience with Capital One who has been working with me to fix my credit and I now have three cards with over $1,000 in credit limit. Credit One had me at $300 and kept me there and never let me increase.

I fully wish I would have read the reviews before getting a credit card from this trash company. No wonder they are rated 1.1 stars. They put a hold on my credit card that I sent with my husband for a fishing trip and now he doesn’t have any funds to use. Thankfully I don’t owe any money to this place, we will no longer use them. Everyone go get an Amex card. They process payments next business day. Credit One, you SUCK!

I got my credit card. Paid the $75. They returned my payment. Now charging me a late fee and constantly blowing my phone up. I highly recommend NOT USING THIS COMPANY. FIND A DIFFERENT ONE that respects you as a customer and a person.

My credit card was hacked, and can you believe they charged me for a Security Adjustment three times for $97.96? They also increased my minimum payment without reason. I've had this card for less than 6 months and locked. This is a dishonest bank. Do not deal with this bank.

Run for the hills. I just got this card, and the very first transaction gets flagged fraud. I respond that it's not, talk to customer service multiple times and they keep telling me that it’s OK go to another merchant, go to another merchant, go to another merchant and I keep doing this and then what happens is because I tried it too many times then it flagged my account. So then I’m now waiting 24 hours.

This is my third day calling. A few late fees were suppose to be removed and I have to keep calling to have it settled. I have been hung up on twice by a supervisor. They have really terrible service and they’re really rude. Honestly, I have never dealt with a credit card company when you’re trying to pay and get rid of late fee fees and take ownership of payment deal with you this way.

Do not get a Credit One Bank credit card! This company is predatory and should be shut down. They don't care about individuals; they prey on them. They target people they consider weak and expendable, taking advantage of their poor credit status. Knowing these people are struggling and most likely in need of money, they lure them in with guaranteed approvals. They charge exorbitant interest rates, aggressively seek payment from people's bank accounts and contact them by telephone multiple times a day, even if only one day late. Then, they close the account, even though they know doing so will harm the person's credit even more, ultimately leaving them worse off than before they ever succumbed to their predatory manipulation tactics. Just soulless.

Horrible company. Horrible customer service. Do not enroll in credit protection. They will figure a way not to let you use it. Then basically state they will close your account, even when you call to schedule payments.

The customer service is bad. They charged me an annual fee for the card but blocked me from using it then when I paid my fee in my card so my credit score wouldn’t be affected they closed my account and then proceeded to ask if I’d like a new account opened.

Service is not that great. Customer service agents are rarely able to solve problems. You can tell they're just giving you automated responses. A lot of times, the answers are very general or may not even be the answer to the question you're asking. You may get a different answer from different employees. Policies can change with no explanation or written evidence. You may even get a different policy answer on a different day. It is really frustrating to deal with them. I cannot wait to pay this credit card off and switch to a more reputable financial institution.

I’ve always paid my Credit One Bank bills on time until I hit a rough patch. First, our home’s heater broke and cost us thousands to repair. Then, I got injured at work and was out for a few weeks. I reached out to Credit One for help, and they offered me a 3-month payment plan and promised to waive late fees. They told me to call back when I was able to pay again.

Don’t use this company!! I tried to pay my bill on the phone and they try to charge 8 dollars for phone payment! Then I went on app to do it and it wasn’t working right so finally after 2 days it went through ! They said thanks for your payment my available credit and nothing about a late fee! It was due on the 10th. Took me two days to get it to go through! So they sneak in a 39 dollar late fee!!!

I’m very unhappy and I regret applying for this account! I always keep up with my payments on time! I even pay my balances down. I recently signed up for auto pay because I’m about to undergo surgery and I didn’t want to worry about missing a payment. My account clearly shows that I have auto pay yet, says that I’m past due! I called Customer Service and they confirmed that I have auto pay as well. However, I was given that “Unfortunately" BS! They refuse to remove the past due charge and how it reflects on my account. How am I past due if I have autopsy??!! They’re not helpful! or reasonable whatsoever! So what’s the use of keeping this account and recommending their services to others!

Do not go with this company, they don't honor their word at all and reports incorrect data all the time! I just paid them off over the weekend, tell me why they try to say I am 60 days behind!!! How am I behind when I just paid you off make it make sense, yeah if you have better choices go with them because this is ridiculous and right at the time I am looking for a house so of course they would try to damage my credit score and I wasn't even late at that. Never again!!

This card is garbage. 3 days ago they gave me $150.00 credit increase. Today they send me email account has been closed for multiple return payments. Mind you it's on auto pay and this account has $2500 plus all the time. Not one payment in their file on my account showed unpaid. I paid my $250 balance today and told them keep account closed. Had to tell guy on phone 8 times routing number. For christ's sake it's on my account. According to their records that account is not on file. Well then how the hell have you been taking money out of this account. Do yourself a favor and don't ever use Credit One. Thank you.

I am not a fan of this credit card. I have never been late and always on time. One day my credit line was higher and then the next day it lowers, then it rises again. I haven't purchased anything during those times. I don't use this card often and my available credit changes back and forth without purchasing. It's a sketchy card. High interest as well. I would avoid.

Fraud. They charge on a never-activated account. I closed account and never used card. They charge the fee immediately. I called them and they say they will waive fee but it's a lie. I will file a consumer complaint with the Attorney General office.

I have had this credit card with Credit One for a short time. I noticed an unauthorized charge on my account and immediately reported it. I received an email stating there was no error and I am responsible for the charge. I requested the case be reinvestigated, provided police report, and filed IC3 complaint through the FBI website. They have sent me the EXACT same letter by email 3 times now after "investigating" further. They have showed zero evidence that any investigation has been done. A merchant listed as SP ZWYKEchielconnyib@ MSD was paid $329.34 (unauthorized) but Credit one cannot supply me with a contact number for them.

Please take note of this fraudulent Credit One Bank credit card. These individuals are criminals and engage in deceitful practices. They provided me with a credit limit of $500. I have consistently made payments for two years without any missed payments. Recently, I received a notification from my credit report indicating that my account has been closed. When I contacted customer service, I encountered a representative, whom I believe is from India, who was very rude and claimed that some payments were returned, which is untrue as I have evidence showing that the payments were deducted from my bank account. I strongly advise against using this credit card, as it appears to be a scam.

I placed a Phone call to Credit One. To ask a question about western union payments, and the foreign guy I couldn't hardly understand said I was being charged 7.95 for that question!! Something is definitely illegal with this, and I don't plan on making any payments to this fraudulent company, I'll fight it, People out there, DO NOT fall for CREDIT ONE BANK fraud, and their lies, he also said there is an online Chat, no there is not!, another lie he told!

Literally the worst credit card company Ever. I will never go through them again. They’re not trustworthy. They make you go through unnecessary tasks just for them to tell you your account close to reapply again with the information.. They’re not accommodating after everything you have done so your account be active. I’m so pissed. This should be the last resort for wanting to get a credit card or improve your credit

I went with this company, applied, was approved, waited 25 days to get my card, it never showed. They forgot to mail or something. Contacted them about this. Well I was talking to a very non-English speaking person, could not understand a thing he was saying, finally got a new card, all was good. Paid my bill, then card would not work. Kept getting denied, contacted this customer service person again non english speaking person, stated my card was locked. I asked why he said it keeps kicking it out because security code is entered wrong. Said I had to go to their website and do all kinds of things to correct it. I said, "I'm not gonna do this. You should be able to fix this on your end," so make long story short had to have now get this a third card, this company needs to pull their head out and move customer service to America with real english speaking employees. Not happy at all,.

Credit One is an untrustworthy bank to do business with. They are a company that doesn’t help hard working Americans, but preys on them by expecting hard working people not to pay their bills on time. This company gave me a limit and suspended as soon as I paid my balance in full. They suspended my card and their reason was suspicion of fraud! I was then declined a purchase only to be asked by Credit One, to supply them with my banking information, pictures of my personal account statements. Who is committing fraud here? Why is my personal bank account information being asked for, just for making a payment that cleared. Credit One is not a good option. They might be selling your personal information. I would not deal with this company. Fraud department, customer service have no real answers. Very poor service and management.

This is one of THE WORST AND THE MOST THIEVING credit card companies, do not I repeat do not sign up with them if you see they send you an offer throw it in the bin. These people purposely process your payment late EVEN when you pay a head of time then charge your bills ahead for late payment and add extra charges to your account then report that you have late payment. They are the WORST. STAY AWAY. Thank you .

I have had this account for maybe 6 or 7 months… I have given them so many chances. EVERY payment I have made has had some kind of issue needs some sort of verification, which I’ve done countless times now. I pay extra for the express payment, but it never ends up being any faster. A few months ago, when trying to verify my payment once again… the girl even tried to tell me there was fraud on my account (that I of course couldn’t see) and she cancelled my account and started a new credit account without asking me. I just wanted my payment to go through.

Credit One is doing some unfair practices with their accounts with new members. You called and tried to talk to them but they keep asking you to verify your information which they should already have on application that I filled out, There's no sense to keep giving your information up when they don't know anything.

Please do not sign up for this card. My credit limit was $400 and somehow they were charging me over $900. When I wasn’t even using the card. And they took me to court LOL for 900. You know if a bank is taking you to court for $900 they are desperate. Listen to the other reviews and don’t get yourself into one of these cards no matter how desperate you are.