Credit One Bank Reviews

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.

They are so thieves. Too much interest. $95 and $22 charge. You can’t email and call them because they are thieves and lier!!!! Too much you get on me monthly. You are kind of thieves borrow money to people and you do like that. We cannot call or email you just because you are thieves. I pay more than but you still charge me.

IF I COULD GIVE 10 ZERO STARTS I WOULD!!!! They closed my account because they said I missed a payment that I never missed. I had an acct with them a few years ago, closed it and the checking account that I was using. I opened a new account w them and started paying out of a different account. Payments were never missed and on time. They closed my account because they said when I opened the new account, they transferred all the information from the old account, including the closed checking acct #.

Their service is terrible. When you are approve for a higher limited they charge you a fee. Now I see how they are getting sued all the time with these under handed practices. This company Is a fraud. And let’s not forget the annual fee for like CL for $2100 and yet they want to charge you all these fees.

Awful company- stay away. I paid my first payment in full and they made that difficult. I ended up just canceling my card. Customer service rude and will help in no way. Try any company but Credit One Bank.

This company could improve the customer service skills of their employees. They call you too many times in a day if you forget to make your payment on time. Long-term customers should have more credit line opportunities.

Worst bank ever. They gave me $300 credit card. When I received the card and activate it, it doesn't work because I had zero available balance. Couple days later I logged in, there's $75 charge for annual fees. SMH, how can you charged someone when they haven't use the card yet? So when I called in, they said I need to send in my DL to verify. Huh? How come you didn't do that before you approve me? How come you don't tell me there's $75 annual fees for a $300 credit card when I applied? Wtf 75 out of 300 card ? And why you charged someone when they haven't used your product yet? This is not how banks work. This is more like a scam.

Called me 23 times in a week from different numbers. I missed one payment a few months back and suddenly my 300 dollar credit limit is stating I owe Almost 500 now. Before I missed the first payment it was only down to 227 which didn’t make sense because at that time I was making payments on time and way more than 90$. I stopped trying to work with them after explaining what I can Afford to pay and them not accepting it. Now I’m getting calls multiple times per day from different numbers. This is harassment by law and is illegal.

I'm sorry to say but this is the worst credit card I've ever had as in payment wise. No matter when I pay it or not it always tells me that I'm negative and credit line when I wasn't a few days before and I have not used this credit card in a while because I need to pay it off. I thought it was going to be a good credit card to help me get my credit back up but it for sure is not. I paid the minimum like I'm supposed to and it always saying negative. Not a fan of this credit card. It says that you would be able to pick the day that works for you and that is not true. I would have gave it zero stars but that's not allowed That's the only reason why they got one star.

Credit one bank, takes advantage of people with bad credit. I closed my account and a month later I was still charged for the annual fee of $95 dollars, this stealing and taking advantage from people. A BANK SO DISHONEST!!!

CREDIT ONE put a hold on my account because they thought my last payment may be fraudulent. I have been a cardholder for several years and have made payments from my current checking account, and they wait until I'm traveling to suspect payment fraud. We are now stranded abroad with no credit card but our bank card. No warning, no call, nothing but putting a hold.

Absolutely terrible. Scam of a credit card company. Asked to closed my account multiple times and still got charged even after confirming my account was closed. They are fraudulent thieves who need to be shut down.

If I could leave a 0 star I would. I was approved for a $2000 limit credit card with Credit One. I initially applied to pay a larger bill. The card was sent to me and I then activated it. I went to pay my large bill and it got declined. I called their customer service and they said that I needed to verify myself for security by sending them a copy of my driver's license, check stubs, and a bill with our address on it. I was so mad! I now was late paying my large expense! I sent in the information via the website and called them to have them activate my account. When I called they said that my drivers license address didn't match the one listed. They had me go get another license with the correct address.

Very poor customer service, cannot get answers to questions, trying add accounts but no assistance. Always getting run around. When I do get a person, I end up on hold for "2 minutes" cancelling this as soon as I can.

DO NOT GET A CARD WITH THIS COMPANY! They have ruined my credit score and I will have to fight them for charges made AFTER I closed the account and they failed to send me ANY statements after closing it! I mailed them money and a cut up card- they sent me a letter agreeing to close it. So sorry I thought this card would build my credit!!

Credit one sucks...why? Cause they charged me a late fee supposedly. I did my autopay to pay more. I set it up on the 2 for 45 extra and even though my autopay was set up they still charged me a 29 fee so watch out these guys will get you hidden fees or steal your money...

Credit One is a scam bank that steals from the people that use their card, or try to use it. Before you even use the card you're charged an annual fee, even if your account is restricted and you are not able to even use it. I would highly recommend never signing up with this scammer bank, that would rather steal your money than actually help. Customer service was a waste of time..

So horrible that I’m struggling to find words! Honestly the worst customer service I’ve ever experienced! Please help? How can you continue with such crap product and just taking advantage of the little person?

I got approved for $1,000 last night. Took it despite the annual $95 fee. After reading the reviews, I called customer service, told them cancel my application, cancel my account, don’t send me a card. Double checked I’m not getting any “fee”, lady was like “No sir, you’re all set.” Think I dodged a bullet here.

Worst company to get a card through, they ran a payment twice in two years on a card I told them to take off in the first place and they didn’t, then send me an email saying account has been closed due to returned payment when it was there fault, and the customer service guy was a complete jerk to work with, I paid it off and closed account and don’t recommend them at all. If you can avoid at all please do so. Nothing but high fees, low credit availability, and they act like they are the best.

Horrible experience. I was approved but no credit available for weeks. Then was asked to submit a ton of documents ie. ID, w2, address info, utility bill. Since my utilities are included in rent I do not receive utility bills in my name. Was told I could provide lease instead. I submitted lease, w2, tax docs, ss card, state id. Weeks went by, multiple calls. Total runaround. Paid the annual fee while waiting for all of this to get resolved. Never used card once. I submitted a refund request and closed account. Complete waste of time. Avoid at all costs!

This is probably the worst credit card company ever. Charged my husbands credit cards late fee when he paid on time and twice in a month, they ask for your checking account, don’t have my husband info right so I was never able to download the app sooo I had to pay 7.99$ payment fee. Never fixed the problem, they hate the customers they are so disrespectful and always hanging up the phone when they realized they have been caught stealing from people or yelling. I will be reporting them asap.

CreditOne Bank is a very desperate BATE and SCAM you company. I had a $1,800+ balance on a Visa and about $700+ on the MC with them a few years back. At first, they seem legit (Bate you in) company, then after you get a high balance, they start to scam you. While the Visa payment was always about a week ahead of the MC, I would pay both at the same time about two weeks ahead of the Visa's due date in separate envelopes. Since the Visa had a larger balance, every month they would claim that the Visa payment was late and would charge me a late fee. But the MC was always on time.

I would give it a zero if available. They sent me a pre qualified letter. I accepted, filled out ALL documents they requested. Shipped me the card with my name on it. REPORTED to the credit bureau HOWEVER I wasn’t fully approved for the funds. So it basically shows I have a credit limit that’s not available to me BUT the card is reporting to the credit bureaus PLUS I OWE them monthly fees and $75 yearly fee so I have a BALANCE on a credit card I can’t use. If I CLOSE the account it will be a negative on my credit report.

Scam company. They sent out checks, apparently for credit line increases. I never even use this card. Now they’re claiming I cashed it even though it was sent to the wrong address. I made complaints and disputes. They said I’m responsible for it even though I proved it wasn’t me. Just scam.

Do not apply for this card. Credit One X5 is CORRUPT! They will bill your yearly fee on the same day the statement closes which causes more interest AND reports to the credit reporting agencies as if you had a past due balance. They say that they are billing more than required 21 days per law but billed me 26 days before the due date which just happens to be the same day the statement closes??? They are supposed to give you a fair chance to pay before reporting ANY charges much less a charge they implement! They are corrupt!

They're quick to take your money when you make a payment but takes 7 days before you see it credited back to your account. I paid off my card and they were quick to hit me with a $40 annual fee. Stay away!

I applied for a credit card with Credit One, "You made a great choice! Your application for a new Credit One Bank card has been approved. Congratulations You're Approved. Your new card will be shipped soon. We will send you an email when your card is on the way. Thank you for choosing Credit One Bank, we look forward to serving you. Your Credit One Bank card has shipped and is on its way to you. Shipped on Saturday, April 12, 2025. Delivery Date** Thursday, April 17, 2025."

Credit One Bank can not speak english, paying a fee every month without notice!!! They will not remove fees!!! Their interest is so high!!! They charge for credit increase!!! I pay them lots of interest and they charge me a monthly fee!!!

If you receive any advertisements for this credit card, burn it, shred it, use it for compost or toilet paper, because this card's only main goal is to take your 'hard-earned' money for what they want - hint interest. I had used the card, made the payments and even used 'express' payment. But now they are saying my birthday is incorrect and I was the one who filled out the application and put my 'correct' date in there. My parents and I are very much aware of the 'correct' date. You would not believe the amount of 'hoops' they make you go through and it wasn't even your fault but theirs.

SCAM! They target people with poor credit, charge your card before You Even Use It! I called them and they promised to remove the charges and they did not. I have spent more hours calling them than is remotely reasonable trying to get the Fraudulent Charges Removed That THEY Put There! RUN, RUN, RUN. This place will steal your money and bring your credit down further. Please listen. They are Thieves.

They play games with people and their credit. they say verifying identity takes 7 to 10 days, try almost when you are about to have another bill to be paid then take advantage of your money that's already applied.

I am writing to express my extreme dissatisfaction with the prolonged and unresolved issue concerning a fraudulent charge on my credit card account. Since February 27th, I have been repeatedly assured that reimbursement for this fraudulent charge would be processed within a specified timeframe (initially 7 days, then 14, and now a full month). These assurances have proven unreliable, and the delays have caused significant inconvenience and frustration. My interactions with customer service representatives have, unfortunately, been characterized by unprofessional conduct and misleading information. I have encountered both unhelpful and dismissive associates, and supervisors who have failed to provide accurate updates or a satisfactory resolution. In other words STAY AWAY.

Dishonest Credit Card Company!! Credit One Bank acts like it’s an option to report to the credit bureaus, unless when it hurts your credit, then they’ll report that every time!! I pay my credit cards off every month, before the payment date and don’t use it until after the statement date. Pay close attention to your credit report and score if you have Credit One. They are very unreliable when reporting good credit habits. They won’t to keep your credit score low because they make more money off you when your credit isn’t good. My advice is to stay away from them and use a credit card company that reports EVERY MONTH, and not when they feel like it.

I asked Credit One to help with a refund I was owed, sent them the requested papy that I returned the item and they never got my money back 115.56. Don’t ask them for help. They are useless. 2 of their managers couldn’t tell me why they didn’t help me. I canceled both cards I had with them and because one of them was due an annual fee of 95.00 they want to charge me because I called 1.day too late even though they never got back my 115.56

This company is a total scam and rip off. They were not applying my payments and they made unauthorized transactions to my bank account that I did not approve. They keep sending me emails and then refuse to speak to no me over the phone when I try to call in. The only excuse the lady could provide is the spelling of my name was incorrect. I'm seriously going to report your company to the BBB.

APPLICANTS BEWARE!!! I was late paying my credit card bill for the month of March 2025. From March 12 - April 9, COB CALLED ME 211+ (I wish I could bold this) TIMES!!! THEY WOULD CALL ME 10X PER DAY!!! OFTEN 2-4X IN THE SAME MIN. IF THIS ISN'T HARASSMENT, I DON'T KNOW WHAT IS!!! I was also late paying my Discover Card. Guess how many times they have called me? ONCE ❣️. This is the difference between a REPUTABLE company and a NON- REPUTABLE one!!! I'M BEGGING YOU TO RECONSIDER DOING BUSINESS WITH THIS COMPANY!!! Now more than over I'm determined to pay them off and sever our ties!!!

Consistently refuses to apply my payments in a timely manner, even if I pay the fast fee. I have been watching them decline my auto pays, making bills late, despite updating my balance 5 days ago, using the fast payment option. Poor service.

My experience with this bank is somewhat good and bad. They give you more credit as you pay off your monthly balances regularly, but it comes with some consequences financially. They have many fees, so if you are willing to pay the fees then they will work on your credit, but they also report you to the credit agencies without giving you a chance to explain and they are slow to increase your credit limits even when you are getting pay raises at work. I will continue to work with them, but as soon as my credit goes up so that I can work with a bank with better offers - then I will get rid of these credit one cards.

Horrible bank. Can't believe they are still in business. Flagged my account with no warning and continue to give me the runaround on what I've proven to them what they required. Everything takes 7-10 days to process to only be told I have to send in documents I've already sent.

I will NEVER IN LIFE recommend this credit card company to ANYONE in search of some financial help or a credit card in general. This company does NOT give out full information to how their card works and they took $500 from my account and didn’t notify me or anything. Now I have to wait for that $500 back (which they told me would take 30-45) days. Now I have to come up with ANOTHER $500 UNTIL YOU GUYS SEND MY MONEY BACK! And I WILL BE SUING this company if I don’t get my money back as well! Horrible service, company and horrible experience. I’ll NEVER RECOMMENDED ANYONE TO THIS COMPANY!

They keep billing year after year and if you don't use it or know about it. They will harass you with phone calls after phone calls. I'm talking 5, 6, 7 a day. Oh and if you don't pay the fee they charge you late fees. Really bad company.

I got a credit one card and it is a scam. With 0 balance I got gas 45 dollars March 7th they took out 175. Won't be available till 15th. Blame it on merchant then I went in to atm and attempted to get a 100 dollars and was denied but it is also being held till 15th and I did not receive a dime. Not one company I know of will do that.

If you were not absolutely desperate for some sort of credit card do not get a card with them. I used almost my entire credit limit the first month I had it and then paid it off a week before my bill was due. It took 21 days for my available credit to be updated. After that I was able to use my card twice and then every single charge was flagged as fraud and they refused to do anything about it. After calling and trying to cancel it they refuse to cancel my account and told me to just try doing a cash advance or just try using my card at another merchant and if that didn't work to just wait about 5 days and try to use my card again.

Credit One Lies. NEVER GET A CARD THROUGH HERE. THEY WILL RUIN YOUR CREDIT. NOT HELP IT!!! I WAS TOLD ON February 27th that if I pay $288.30 my balance will be at 0!! Nope I now have a 30 fee on there. They will not remove and they say they record the calls but won't go back and take off the fee!!! CREDIT ONE ABSOLUTELY SUCKS. NEVER EVER EVER USE THEM. I WOULD RATHER GIVE MONEY TO A STRANGER THAN THEM. YOU WILL HAVE BETTER LUCK GETTING IT BACK!!! I GIVE THEM A NEGATIVE 5. JESS

I make payments and when I make my payments they are always even 40.00 or 50.00 dollars then because it's a express payment they add $7.95 on top of your payment so the payment of 35.00 is now 37.95 then they add a fee of 7.95 on top of that. So when all is said and done you are making a express payment that now costs 15.90. That is illegal to double dip. Also my card has been locked since I made a payment that means no charges are supposed to go through? They have charges on a locked card??

I had two credit cards with Credit One and I have now canceled both of them. I called them when I suspected fraudulent purchases made on my Credit One card, they told me they were freezing my card and sending me a new one. During the time I was waiting on my new card other fraudulent purchases were made. Upon calling them again and reporting these new fraudulent purchases they told me they would not be able to refund my money and I would have to file a police report before they can open an investigation. I would strongly suggest not getting involved with Credit One. They are not on your side.

Credit one customer service team is great however I am reviewing the company not the individuals. The low entry to the credit card is good. Everything is a massive pile of hot garbage. There is an underlying feeling of ransom. Holding your credit limit hostage unless you pay a little extra to have it lifted quicker but they aren’t shy of taking your money out of the bank and counting it for a week before releasing it to you. Other companies take a while to process to but at least they release some limit to use instead of keeping you penny less. If you can find an alternative, find one. It feels like I’m dealing with the Mafia.

I'd give it zero stars if I could. The absolute worst. I hope you never get a fraudulent charge on your statement. They don't allow you to speak to their "investigative dept." They will not share sources, if they even have any. I will NEVER put another penny on a card connected to Credit One. EVER.

Credit one does not help you when you go through hard times. They will not settle for a lower pay off at all.T hey send you to Access credit counseling, what is that going to do if you don't have the money to pay your bill, they closed out my account and is still charging me interest every month plus 8.51 a month too, VERY HIGH INTEREST RATE. Stay clear of Credit one.

This is the worst credit card I every used. If I could give 0 stars I would. If you miss one payment they will call you more than 7 times a day even on holy days like Sunday. I told the person 3x to cancel the card and I give consent to cancel and they still didn't cancel the card. It took 3 times to cancel the card and I was asked several times why do I want to cancel the card. I would never recommend or use this bank again.

Barely understanding English and common credit laws! I was given the run around on $5,700 that was paid to the wrong card. Ok, I get it, how did that happen. Fine mistakes are made. But bear in mind the card that received the $5,700 payment HAD A ZERO DOLLAR BALANCE! This was made in October 17th, 2024. I’m still waiting for the check for the credit back to me for the credit on my account, it’s February 14th … they’ve given me the runaround so they must be hard up for money to claim in revenue for 2024 because they kept mine which didn’t belong to them. I’m not saying it’s not a good way to rebuild credit, but be careful if anything goes wrong, the inability to communicate will greatly reduce your pleasure in dealing with this creditor.

I am reviewing this card to express my profound disappointment regarding the handling of a recent fraudulent charge on my American Express Credit One Bank credit card. Despite providing substantial evidence demonstrating that I did not authorize the transaction, their investigation concluded in favor of the merchant. (Receipts were requested however if the transaction was fraudulent there will be no receipts). I have contacted customer service department multiple times via email and phone, but my concerns have been consistently dismissed.

Worst experience with a card. The card was almost totally maxed out when I got it and they kept doubting that I didn’t make the charges, despite them being in different states on the same day. The barely understandable rep, told me they would cancel and close the card in October. Well it’s January and I got a huge balance statement with late fees. Upon calling, not only are the reps impossible to understand, but they repeat the same scripts and won’t actually answer your questions. Huge scam. So I will now have to dispute with the credit bureau.

Horrible. $95.00 annual fee in small print on the back. Very unethical. Other credit card companies present this boldly and clearly. After you use the card even once, you are on the hook for it. I will warn everyone about this sneaky business practice. I got taken big time.

Awful customer service, hold payments 7 days to be credited To your account, I would think that if they were smart, they will credit your account asap once they clear payment so people can use their credit card, isn’t that what smart banks do, so they can generate income by allowing their customers to use their card, specially with their ridiculous low $300 credit. Their app and web site SUCKS and of then they lock your account. My credit score went up and I’m cancelling my card as soon as I finish typing this message. Do yourself a favor, DO NOT get this credit card or you will be dealing with a DIFFICULT stupid bank. Cheers!

If you ever have to deal with fraudulent charges, this company is extremely difficult to work with. I had to involve the police in order to get my money back. It took me many months, numerous back-and-forth emails and phone calls. I had to provide every piece of evidence I had, only for them to repeatedly tell me that they were denying any fraudulent charges. They even gave me a hard time about canceling my account after everything. Every time I called for help, I had difficulty understanding their representatives, who all seemed to be from India. I was hung up on multiple times. It was so extremely frustrating! My other credit card companies issued fraud alerts right away and were extremely helpful throughout the whole process, without any issues at all. Credit One was the only bank that made it nearly impossible to get my money back.

I only gave 1 star because there is no option to give ZERO star. This is by far the WORST card/bank you can deal with. High fees, slow credit increase. Do yourself a favor and go with Capital One or any other credit card other than this.

I accepted a $600 line of credit with these users. There was a $39 annual fee (red flag), but I'm looking to improve my credit. I am credit-worthy and do pay my bills, to those who assume that people who complain do not. They sent me a bill for the $39 annual fee and the first transaction I attempted was declined. I called customer service and was told a lock had been put on my account until I provided "proof" of identity through a driver's license, proof of address - such as a utility bill and my...wait for it...W2. You knew where to mail my bill, though didn't you? I told them to close the account and I am refusing any requests for payment for a card that was issued with the sole purpose of stealing an annual fee and giving no credit in return. They are complete frauds and liars. Good riddance.

I'm going to say that they're not even members of any credit bureaus, and therefore can't submit any reports concerning your credit. As such, I'd just report them, ignore them and forget that you ever had dealings with them.

Rates are high but that is to be expected. The thing is though, I pay early but still get a late fee. Every single time. I'm trying to cancel my credit card account. The late fee has changed but you can't seem to get ahead.

So, with all this being said and me attempting to let Credit One Bank assist me in rebuilding my credit by keeping their card in my wallet, it surely has not. By accepting this card, paying for services I did not receive, then holding onto it I found that they did help with my credit but, this wasn’t for a better score. The card was cancelled and this, in fact, did impact my score negatively. Thank you Credit One for being so great at your job. Next time you want to send a “you’re reapproved” kindly reconsider. I hope this lengthy review reaches all of your potential clients and they choose wisely with a different card. On the upside of this, I do have Discover and BrightWay through OneMain Financial which have helped greatly but, we all know what one bad mark on your credit score does… until next time.

The rates are too high and the customer service is worse. You can never get a hold of them. I was on hold for almost 30 mins before I gave up. The app or website offers you nothing as well as you can make proper updates like mailing address to your account. I would not recommend to anyone.

Warning! Please do not sign up for this credit card. As a single woman that had their credit score above and beyond after many years of hard work. I finally caved in and decided to apply and was approved. Of course they approve anyone and all. You can pay your credit card off monthly and it still will not change your credit score, if you’re aware of how this impacts your life with improving your credit score and getting above again. This company and credit they give out, will only ruin you once again. As I am learning over again in life to only consult with a credit union, local bank or a well known source of impacting your credit score again.

I like most of us obtained this card to build credit. That's where it stops. I too, once approved was told can't use the card because they could identify me. I did what they asked and it still took forever. Fast forward. 7 months of one-time payments and they cancel me because I changed payment methods. I had fraud on my Wells account and since my payment method changed they canceled me. Keep in mind even using a new Wells account they did accept my payment then canceled me. At this point I'm going to fight them to need. KTLA NEWSin California is going to do a piece on this company due to the consistency of their fraudulent practices but also the lack of customer service representatives that can listen or speak English. I'm on a mission to expose them if it's the last thing I do. Run and don't look back.

SCAM ALERTTTTTTT!!!! This credit card company is an official scam, they canceled my account for a the silliest reason that happen with my bank account. Their reasoning behind the cancelation was "multiple" bounce back, and this was not true. I verified from my bank statements and from my bank that the payments were effectively taken out of the accounts via their express payments tab in their portal. It was only "One" bounce back from my account, ever since I have been making consistent payment. This credit card company are complete scammers, and will not recommend them at all.

This card is a joke. If you are already struggling and need to build credit, this is not the way to do it. First there is a $95 charge to have the card. So a $500 limit is now a $405 limit. But if you try to use it, it will not let you. I tried to use it to pay for my tires and was only able to use $325 due to the limit restriction and charges. So now I owe over $500 and only used $325! Also, THERE IS NO GRACE PERIOD AT ALL. I tried to set up auto pay and it charges you over $7 to use the auto pay. So I set my alarm to pay it direct. When I went to log it, my account sign in was wrong and it locked me out. So I paid it the next morning from my work computer. They charges me a $29 late fee. I WILL BE CANCELLING MY CARD ONCE IT'S PAID OFF! NOT WORTH IT.

Transferred money into my account on Nov 28, 2024. Still have not received my winnings from the casino. This is worst bank in life to use. Never in life get a account with them ever. Have late fees for my rent and will be asking that they pay it. The check was never sent. The funds was never returned. They ain’t worth your time or day. Over 7000 dollars in. Have not got a cent of it.

This card was straight-up a scam... They called pretending to be Capital One and after that, it all went downhill. I called 4 times trying to cancel after paying their stupid 95-dollar fee they have just for having the card. I have never had a credit card where you have to pay to have it. But after talking to 4 different people I gave up and mailed a written notice to cancel card and they still didn't cancel it. They tell you they did and then a month before the yearly fee comes up, they send you a statement. It's a scam and they are worthless.

I was not helped in a way to save my credit. They keep trying to run the credit protection instead of taking a small payment. Now it's denied saying I didn't pay. Why didn't customer service try another option now I have 1600 on my credit. Half or late fees. I want this off my credit. You did it. My other account is current.

I had fraud charges on my account and Credit One even though they received a Fraud report from Amazon and The police department they denied my claim and are making eat the charges on my account. They filed the claim under a dispute and not fraud and will not file it as fraud. The reasoning is because I paid my monthly payment during the time due to other charges that needed payment. If I hadn't they would have charged me. Then they said because I logged into my account online to find out my payment info to send to them they used that as a excuse as well not to reverse the charges. This is an extremely dishonest company. Do not trust them.

This company should be discontinued. They are the most incompetent people I’ve met thus far. Even worse than the idiots at Amazon. They return your payment saying it’s the banks fault. We’ll come to find out it’s their fault. They have a kindergarten child as an accounts manager who obviously sucks at her job. They like to throw threats at their customers so be aware of that. They discriminate against damn near everyone. I wouldn’t use this company. They can’t get their business right.

This card WAS great until I lost my job. I signed up for the protection that they offer if you ever lose your job. The customer rep called me and I could not understand a word she was saying. I had no idea what she wanted me to agree to. I was so aggravated. I paid the full amount owed and they closed my account. I felt blindsided. I missed two payments but was able to catch up and still have no idea what she was saying. Oh well I'll just go with Capital One.

For a financial company, outsourcing to India for customer service is a bad idea. No wonder Americans get their identity stolen. People like Credit One outsource because they're greedy. Now some foreign guy has all my information and you wonder why there's so many Americans getting scammed... especially when 95% of the scammers are located in India. I will be reporting this to the proper government agencies for review!

I was slowly rebuilding my credit about 2 years ago when Credit One sent me a pre-approved VISA. I accepted the offer and have been pleased with the result. Yes, they do have an annual fee; that is understood. Since I have had the card, I have used it sparingly and NEVER carry a balance. I pay it in full every month. As a result, I have had no problems with it. The online portal is easy to use, as is the app. I believe the people who are writing poor reviews either didn't read the fine print when they applied, or carry high balances. It was a good card to get me back on track. I now have an "excellent" credit rating and a bank credit card with a high credit limit. However, I keep the Credit One card, just as a backup. They extended me a lifeline when no one else would.

Absolutely horrible they charge for a lost card! 25$ and I hope it’s not the same number of the lost one because if someone finds my lost card they make you liable. They punish you for losing your card which is totally unfair!

Was issued two credit cards, paid off the balance and closed account. Meanwhile received two new cards, I requested and having been receiving monthly statements to pay interest fees on cards that I have not utilized. They have sent this to my credit report, which has lowered and damaged my credit score.

I was offered one amount, received less than half of what they offered, then billed $95. I then received another pre approval and my statement for my bill being due and I have yet to receive my card. I have already made 2 payments with no card! I would never recommend this card to anyone. It's also a hard hit on your credit so I would have gotten the other offer with a higher approval amount. Big time scammers!

If there were a thing of speaking to someone in the United States, I believe customer will have a great experience with Credit One Bank credit card services. Every time I call Credit One Bank someone from another country answers the phone very unprofessional and they love to hang up on you without a call back three or four times in a roll. I will be closing all three of my accounts with Credit One Bank along with my wife accounts. I believe if anyone else is experience such rudeness and unprofessional services from Credit One Bank I will advise you to do the same.

Credit One is so unfair they ruined my credit, I am a very loyal customer and paid on time always: never late. I paid in full last month what was due and thought I was not to pay anything until the annual payment was due. I was sick with ammonia. Was not able to read emails or answer my phone for a while. Apparently I had a charge for 20.00 on the card I was unaware of and they after 6 days past 30 called all the credit agencies and reported I was a late paying client- They basically destroyed my credit. I am only 24 yrs old and work 2 jobs and in college. I was going to buy my first car and now I can not.

Closed my card and kept getting annual fees. Called to ask why I have late fee and annual fee on a closed card and the representative named King would not refund my fees. Notes had shown where I had closed a card.

Credit One is a horrible place. I recently was in a car accident and am unable to work, so I have been selling things to make money to pay bills. Whenever I sell something, I try to put money towards my credit card to pay it off, but Credit One denied me the ability to pay. I called them and they said I had already made a payment this month, even though it wasn't the full amount that was due.

DO NOT use this Credit Card company to rebuild your credit. You will never pay it off, they hit you with random fees, then put the interest on right before your due date of your monthly payment, so you're negative or breaking even right after you make a payment. This company is a scam and use ONE to confuse people (Capital One). STAY FAR AWAY!!!! SCAM SCAM SCAM.

This 1 star is being generous. This company is very unprofessional. I received my card, activated it and then found I was unable to use the card during a purchase. I called and was told I would need to further verify my identity. I sent the documents but was constantly told it wasn't accepted. They advised me to send the documents via email instead of uploading it after a month of calls. I sent the documents as they requested and never heard back.

When I applied for the card, I didn't see that I would be charged 75.00 fee a 15 dollar fee for adding a authorised user, I paid m my bal of 149.00 on the 15th of the month, I noticed I was charged a 29 late fee. I paid it at 513 pm on the 15th, I never saw where I had to pay by the 5 pm. They charge 31% interest. 75 fee. I'm in the wrong business. I have had the card 1 month, used it 3x, I asked for a refund of the 75 and cancel the card, no they will not refund me the 75. I will keep it for emergency only. Come next October I will cancel card. Their money already cleared my bank 149. But if I want access to my credit l have to wait for 7 days unless I pay 7.95 then my 149 put back same day even thou it cleared my bank same day I paid it. I recommend not to get.

I've had two credit cards with Credit One Bank for several years now. It's frustrating that you have to pay a $7.95 fee to make a one time payment over the phone with a live representative. Mostly all the time, you speak to a foreigner that you can hardly understand that speaks good English. Not only that, if I miss one day late payment, I automatically get a $34 late fee, reported negative to the credit bureau and no representative will waive the late for me at anytime or give you a grace period to make a payment without it being late.

They will open an account, take your money right away, lock your account and want you to prove. All this bs but it’s impossible to reach anyone. They ask me to get a letter from my bank. To prove payment, even though the Payment posted from my bank account in my name. Then they want it uploaded on a site that doesn’t work. And once I finally did that, after having to mail it a day later, locked again, wanted me to prove my address.

Credit One has been sending me pre-approval offers for years, and when I finally applied, the offered me a card with an $800 limit. I know the fees are high, but I did it out of necessity. I was approved and then I created an account on their site for payment purposes. They sent me the card and I activated it. A week later, they sent me a letter informing me that my card and account has been suspended until I give them an ID, a copy of a utility bill, and a recent W-2 paystub or a copy of a 1099 form if self-employed. The first two are not a problem, The problem is that I am self-employed, but don't have a 1099 form for them. Why in the world would a business approve you, and send you a card first, only to de-activate it a week later? This whole thing makes absolutely no sense at all. Now I know why these people are giving this company a single star.

I have had a Credit One account for some time. We have been working on paying down credit, and I have been making payments weekly towards this goal. Today, I went to make the last payment, the remaining balance online as I always do and it said I would have to contact customer service. When I called, I was told because I had made 4 payments from my checking account in a statement cycle, I was not allowed to make another payment using my checking account until the next cycle. But I could make a payment using my debit card, FOR A FEE. I asked where this was in writing, disclosed to the consumers and they advised me nowhere, they are not obligated to disclose it.

Absolutely horrible, unprofessional. All out of the country customer service tonight heard chickens, children screaming. How ethical is that? They sent me a pre approval in September I responded in October. They said I was pre approved for a 400 American Express. Great I accepted. Asked for identity verification mailed first of October and emailed. This repeated FIVE times. They ask driver's license, social security, W2, utility bill on and on through November. December no card, but a bill. Still asking for driver's license, social security, W2, utility bill which o already sent email and physical copy. Yes they “pre approved“ me and courted me? Then the audacity to send me a bill. A hundred dollar bill. I have never received a card, what. I call am transferred three times to “managers” literally children screaming in another country. What! You can’t pay for US cs? Now they have dinged my credit, no card and I owe them horrible am contacting a lawyer!

They literally rob you, with interest and annual fees. DO NOT GET CREDIT ONE CARDS. I have 2 and wish I did not, I do not use either one anymore. They are paid off and still getting fees. I have to call and argue over constantly.

I received a letter that I had been approved for a $200 credit line with a web link to register to receive it. I registered some info and got a date it would be issued. I didn't see any details about annual charges. When it arrived, I called rather than activate the card to get a clear picture of their fine print agreement. It came with a $300 credit line, however 75 had been deducted for the first years annual fee, which they considered as a purchase amount to be paid back with a average daily interest rate of 28%. Had I canceled the card after activating it, and even without using it, there would have been a $30 fee. The agent told me the second year and on annual fee would be $99. Doing the math, I figure I could easily incur $300 fees and interest in 3-4 months for a credit line of $225. I immediately canceled and the agent said he would put a "request' to waive the $30 fee, and know more in 5 days.

Credit One is, without a doubt, the worst credit card company I have ever dealt with. After our mailbox was broken into and mail was stolen, including an inactive Credit One card, $200 was fraudulently charged to the account. Despite this, Credit One refused to help resolve the issue, leaving us to bear the cost of the theft. Avoid their cards at all costs—you’ll regret it.

I can only assume there are many negative reviews here because all these customers don't pay their bills on time and get penalized by Credit One. This is a card for people with no to poor credit. There are fees and high interest but in my experience, I paid my bill on time, usually early, and after a while my limits went way up and I was offered other cards from them that had no fees. The interest was still on the high side so I eventually got rid of them for more mainstream credit cards.

When I missed a payment due to financial reasons, I was harassed by them, they called 9 times a day every single day. When I would try to call them back to explain my situation, I was unable to speak with anyone.

App works good. Just be warned to anyone who just got a Credit One card.... Customer service is trash. Probably worst I've seen out of a credit card company. Never dispute anything because it's only a waste of time. They don't side with you on any dispute. Very rude customer service as well. Like to hang up on people and aren't patient. I would only recommend doing tiny purchases on credit one if you must have to or hope to God you don't have to call for any type of customer service issue.

Credit one bank card difficult used app. Pay by phone. 7.00 charge like talking to someone in third world country. Started making payment by money orders. Now they saying payment is due. Have all money order receipts. Their name is deceiving. I thought applying for capital one card. Now they are saying miss payment in 11/ 24 but have money order receipts.

I had constant problems with them. They always hold your payment in processing for as long as legally possible to try to incur late fees for one. After so many issues with them, I filed a complaint with the Better Business Bureau. Because I did that, they closed my account. They didn't notify me of the closed account. A couple of months later I lost my wallet and ordered another card, they said it was on the way, but it never came. So I called again a few weeks later and that's when I found out my account was closed months ago. Stay clear of this company.

Was approved for $300 limit but was only given $225 and $75 was for Cash Advance that could be withdrawn from your ATM bank. Was not able to withdraw the $75 even after calling Customer Service to verify and confirm that I could, to later finding out I was not giving the correct information and was told that the $75 was for my Annual Fee but still being charged to pay back $75 that I was never able to use off my card or even withdraw. I will never consider anyone to Credit One Bank and if I could rate them at 0 I would. They still reap the benefits off of people by not being truthful and that’s not fair nor right!

Credit one charges an "Annual Fee" $8.25 +.09 int. =$8.34 "MONTHLY" = $100.08 Annually! Plus 28% interest! If you call them they will waive the monthly fee. You cannot CANCEL your card online or even send an E- mail. You have to VOICE call them. The only way to speak to a live rep. is to call (877) 825-3242 and select "Lost or Stolen card". Then you can actually speak to a person, who then has to transfer you to their customer service account representative.