Credit One Bank Reviews

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.

Opening an account with Credit One was the worse decision I could have ever made. In 2019, I had an unexpected events happen back to back and couldn’t maintain the payments. No help was offered, they put me into collections and then sold it to Mandarich Law Group. THE ABSOLUTE WORSE. Worked out payment plans, they didn’t take my payments through my card, claimed I never tried to pay and at some point tried to garnish my wages for a payment of 1k?! I paid it. So glad to be done with both Credit One and Mandarich. Please wait for a better offer before applying to credit one.

Okay, credit one is very good, BUT their customer service is HORRIBLE! They have NO knowledge of how to interpret what an American is telling them! That being said is enough! Get more English-speaking reps!!!!

This company is not customer friendly. I called them to discuss how to correct a honest mistake made when paying off my credit cards with them so that the transaction could be completed and paid and full. I explained the situation including that the money was the last of what I had so that I can be done with making payments to them, and they shared that although they could waive the late fees for two of the cards, I would be charged with a $39 processing fee for all three accounts. I would think if a customer is attempting to pay off their accounts, they would work with them. A $39 processing fee times the interest is ridiculous!! I am glad to be done with them!!!

Avoid the Credit One Credit Secure Card. I obtained a Credit One Secure bank credit card in December 2023, and everything was running smoothly until recently. I made a change to my bank and cleared my credit card balance using my new account on the 16th of this month. However, Credit One Bank is currently withholding my funds and has refused to credit my account until they verify my new bank, as they consider the payment a risk due to the different payment methods used. They informed me that they required a bank statement or a letter from the bank to confirm my account, but my new online bank stated they do not issue such documents, though they offered to confirm my account via a three-way call.

Bad experience with the company. I will never recommend it to my family or friends. They froze my account once I made my first payment and now I got to show them proof of my bank account that I paid it with. Ridiculous.

I never contacted this company and they have been blowing up my phone calling me. I've blocked about 15 different #s of theirs and they keep coming. Apparently I'm gonna have to take my time to tell them to stop calling when I never requested they call in the first place!!

I would stay far away from this credit card company as possible. This company has really ruined my credit. I was paying on time yet the bill would never come down. It kept going up and I could not understand why because I paid it off and they tried to say I did not so they lied and now they are trying to get me for over $1000, and it’s now affected my credit score so bad, so no I would run away!!!!

Terrible credit card bank. I had fraud on my account. Next day my account didn't exist because they didn't want to do the work. Good thing I have better cards elsewhere. I will never use them again...

This bank is harassing me. They are the true stalkers. Even if I block their number because they CALL AT ANY HOUR OF THE DAY, they call me from another and I was just late for $90. Like WOW, just frustrating. They have 0 boundaries at all. I know I have a responsibility to pay what I borrowed but stalking and harassing a person is not the way to go.

The company sucks and the customer service was so terrible. When they changed my card to a new, They won't give my previous report from old card nor breaking down the beginning balance carried forward to new card. Very terrible. Did not provide transparency for the statements. This is the reason I closed my account with them. Also, I had an overpayment in their card, yet they won't send back my money. If there would be a no-star at all, I will give you that instead of 1 star.

Credit One sucks!!!! I was approved for $300 a few months ago. Activated the card and everything was fine until this month. Every month I pay the card in full. I paid the full balance, paid the $7.95 express payment fee. Noticed my available balance was still zero. I called. They told me I had to verify my identity. Sent them the requested documents. Denied my utility bill because it had my service address as my residence but it also had my po Box address on there because I don't get mail at my residence. They said that wasn't good enough. I am still fighting with them to release my available credit. They aren't making any money off of me in interest because I pay the card in full each month way before the due date. I said this to the representative and he told me, yes it's possible that's why they froze my credit so I can't use it. I am closing the card tomorrow.

Absolutely the worst credit card company out there. My wife was approved for Credit One's American Express. She received the card and activated it. A month later she tried to use it to purchase something and the card was declined. When she called Credit One to ask why the card was declined, they told her that they had cancelled the card because she hadn't used it. Absolutely ridiculous. She applied with a different credit card company and upon receiving her card called to confirm that she didn't have to use it right away. The customer service rep couldn't believe that Credit One did what they did.

If I could give a zero rating, I would give that. I have nothing but negative to say about Credit One bank and would NEVER NEVER NEVER recommend them to anyone--even if that person had a 2 credit score. I would advise EVERYONE WITH A LOW CREDIT SCORE TO get a secured card for $100 or $200 (save your pennies until you have that amount), buy something for $10 or $15 that you can easily pay back BEFORE THE STATEMENT DATE, continue that process for 5 or 6 months--you will eventually have a card that becomes unsecured and you can continue to build your credit from there (Open Sky is a great example--also Capital One). CREDIT ONE takes advantage of those with poor credit by charging high interest fees and high annual fees.

Horrible card to have. Spoke to a customer representative regarding a fee. Which it he couldn't remove. I also had a few other questions regarding the card but couldn't hear him because his dogs were so loud in the background. The only reason why I have a Credit One card is because I thought I was opening a Capital One card. Also, it takes about 7 to 8 business days for a payment to come out my checking account. They know actually what they doing.

Nightmare. I had switched over to a different account for my bank and unfortunately the auto pay was trying to withdraw out of that. When I finally caught it they canceled my account and I explained to him on customer service and they said it was not reviewable and not able to be restored. It's not like I didn't have the money. My money is just not good enough for Credit One. Basically the feeling that they give you is like you're just coming out of federal prison. And you're on probation. Well they can kma I will not endorse them ever. If you ever remember the Keystone cops and their customer service is equivalent to that. Stay awake at all costs

I got the card and after making a payment from my bank account they locked the card without notice. I called and they wanted bank statements. I sent that information and the card is still declining. Wouldn’t recommend this card for anyone. DO NOT GET THIS CARD.

Horrible company. They do not have functional working Fraud text message system. They lock your card after you pay the balance in full. Then give you some lie that it is the merchant. My use at Target (NATIONAL) store should be a problem that you BLOCK the card! They are SO horrible. Run away!

Credit One is a a shady credit card company who have morons working for it. I had 2 accounts with them. I overpaid one of my accounts with them and I was penalized with a missed payment due to their mistake. When I asked for the mistake to be corrected, they mentioned that in a review they could not change the mistake even though they caused the mistake. My credit score was affected and fighting now to have mistake taken off credit report. Do not acquire a credit card from this company or do any business with this company. This are shady and dishonest.

I made too big of a payment from the account I make every payment from. They can see that they have my money and won't take the restrictions off my card no not a purchase a payment. Now I have talked to 23 people and every last one is useless.

This card has done NOTHING to help my credit at all. The only reason I signed up for this card was to help improve my credit score. When I make a monthly payment, I am still going over my credit line due to all of the additional charges from Credit One Bank. I am not even using the card but yet I am over the limit and all Credit One Bank does is report me to the credit bureau for being over my limit. Why doesn't the monthly payment include these "additional fees" so their customers who are already struggling to get their credit score back on track can stay within their credit limit. How is this helpful? The interest rates and late fees they charge should be against the law. I just closed my account because this is hurting my credit NOT helping it at all. What a damn joke!

I accidentally scheduled a same day payment on October 29th 2024 for the full balance. Noticing my mistake an hour later I called Credit One to cancel the payment. Which they informed me they could not and to contact my bank to have the payment stopped. Before going through with contacting my bank I called creditone again to make sure they couldn’t cancel. They once again said they couldn’t and to contact my bank. So I did, I contacted my bank and had them put a stop payment on the payment to credit one. Being the person that I am I contacted credit one immediately after contacting my bank, I asked for a supervisor and asked why I couldn’t cancel a same day payment when they have let me do so before and the supervisor said since it was a same day payment that it couldn’t be canceled.

I've been with Credit One for over a year. I started off with a $500 secured credit card, and about three months ago I received a credit offer of $1500 in the mail via USPS, which I accepted and was approved for. Unfortunately, since then, I have not received the card, and I have called several times but to no avail. Over the course of these three months, I've talked to multiple representatives who said that the card was sent out twice, but I doubt they are telling the truth. My mailing address, personal information, and 2FA text codes on the account were verified each time. Yesterday, I talked to a supervisor who told me he would send out the card via FedEx and that a tracking number would be provided, but I have yet to receive electronic notification of this.

I made my first payment to pay off the balance. They blocked my card so I could not use it. They need verification the payment came from my account. I sent the verification and they still would not release the block. They took an annual fee. I paid and now can not use the card. They stole my money. I called, asked for multiple supervisors, was on the phone for an hour and then they hung up on me. Very poor customer service. Do not get a card from them.

Like most I have a Credit One credit card to rebuild credit. I did have a late payment towards the beginning but have not had one in almost 2 years. My biggest issue is their reporting practices to the credit companies. I am well aware of the 30% rule however emergencies happen. This is why we have a credit card. When I use the card and go over the 30% usage. It is reported to my credit bureaus immediately. And by immediately I mean within three days. Like I've used it on a Friday and by Monday it's reported to my credit. Before the end of the billing cycle. Before the bill hits. Before I even have a chance to pay it. I.E the payment is not late. If I had the money to pay it off in three days I would not have used the card. Even if I was planning on paying it off the next month. My credit score then drops 40 to 80 points. Each time. This is not an exaggeration

SCAMMERS, they lock your card systematically to make you pay for it, which also destroys your credit. DO NOT do business with Credit One Bank, go to Capital One bank instead. At least they are serious.

Terrible bank! I paid off my balance, which was under $300, and they kept the money yet locked my account until I sent a bank statement proving the payment came from me. Their call center is in the Philippines, so you can expect significant language barriers should you ever need to discuss your account. CreditOne is an extremely shady and unorthodox financial institution!

CREDIT ONE BANK has horrible customer service, you call for a a problem and they compound the problem. I started with them used the card the first month I paid the bill on time and then they cancelled the card. I am convinced they want pissed off customers. Now I get a bill from them monthly. The obvious solution is to pay the whole balance off and close the account which I will do the first of next month, regardless you get on the phone and they just argue, they don't listen and the person I spoke with spoke very poor English and was obviously reading a script. DO NOT RECOMMEND THE CARD. Hindsight is 20/20.

They take way too long to take money out, they have a fee for everything and their customer service is actually useless. Over them. They just keep repeating the same answers like it's a script and they're actually useless when it comes to solving anything. I've never been so annoyed at a bank until I met them.

Received a bank statement from this SCAM CreditOne Bank for the card I NEVER applied for. They are showing a charge of $75 for annual fee. This CreditOne bank is PREDATORY business focused on EXTORTION of money from unsuspected US citizens. I tried calling the 'customer service' number. No live agent. Don't enter any info, not the alleged account, no social, nothing. They will use it against you. They will claim you provided the info during the application process. This scum knows how to work the system. Don't fall for it. Write them a CEASE & DESIST letter and send a copy to US DOJ and FBI. These CreditOne bank people should be prosecuted and executed to the last one scumbag. Next prosecution is about people who sold them my information.

How do you approve a Lucent, send them their card & then advice them once their card declines that they can't use their card because they need more information. That is unprofessional & needs serious work in the steps of protocol in the approval department. You can barely understand the customer service representatives because of their thick accents and condescending tones. I now understanding why this company has a plethora of law suits going on. I will NEVER recommend them. And honestly they need to be shut down.

I'll never get these cards again. Closed these accounts 6 months ago. The interest, just keeps going up. Never once raised my credit, but raise of how I owe. Had these since 2017. The interest went up since. 24.9% to 29.9%. This is out of control.

Jerked around and lied to by the customer service representatives. They keep changing their story when I attempted to make payment arrangements to pay off my credit card debt. When I initially called them earlier this week I explained to them that I was going through financial hardship, Credit One Bank told me I would only have to payback about half of my outstanding balance as long as by 1/7/2025. I called back today to confirm and their service representative acted like he did not know of what I was talking about. He said finally found a fee waiver. I then asked if he could send me details of fee waiver to my Gmail or regular mail. He then put me on hold and told me he could not the system won't let him. Will see what happens. I'm doubtful they will keep their promise. Credit One Bank also would bother me by calling me 6 to 7 times a day wanting payment, unwanted irritating calls.

Garbage bank and Amex card. Amex express should cancel their partnership. Real quickly as I don't want to waste any more time on these people.

Terrible. They do increase your limit from time to time but their rates are high. You do get cashback on VISA and if you get an AMEX that cashback automatically goes towards you balance after 30 days (you cannot do it manually). You can only make 5 payments towards your card per month and you have to pay $7.95 if you want the payment available immediately. However that's not my issue: my main issue with Credit One Bank is how unreliable their customer service is. I've had constant security issues with my card where I'll be the one using it and it gets declined for fraud. No matter how many times I've called to verify that it's me using it, eventually I have to callback to reverify over and over again.

Terrible, no way to contact customer support, they don't offer email, speaking to a rep is out of the question. Absolutely 10/10 would not recommend. Credit limit is too low to make it worth dealing with not having any contact options and such a high yearly fee.

Scam! So they closed my account because I wasn't using the credit card for so long. And then they charged the annual fee but they refunded the annual fee because they closed credit card so a month later they reopened the card account recharge me the annual fee at 75 dollars, you didn't charge me a late fee of $30 and then when I called to ask them why the account was back open and told me that I opened it through the mobile app which I never downloaded because I never used the card. So customer service contacted me to see why I haven't paid the bill and they just gave me the runaround until they put me on hold but it sounded like they just set the phone down because I could still hear commotion in the background but nobody was talking and they said they kept saying if I hung up in the account will continue open.

I have absolutely no problem with the bank itself. I pay my credit card on time. They continue to increase my limit, it's great. My issue is with customer service. On August 8th there was fraud committed on my card, so they cancelled it and sent me a new one, wonderful, they even said I would receive a $200 convenience check. Prior to sending them I updated my new address with the woman on the phone & she told me that there is nowhere for her to enter my apartment number which made no sense to me. So there was nothing I could do, I waited 2 weeks & the leasing office nor me received a card or the check so I called back & that person updated my address with no problem & said that they resent both items.

Absolutely horrible, have had this card for 9 months, zero balance every month, credit limit of $700. I was hacked for $81 dollars, they cancelled my card, sent me a new card, and suspended my account till I prove, I am me. Ok fine!! Well since I am a travel nurse my driver's license home address will never match the address where I live in the moment. Because of travel tax status.. my driver's license address is my home state. I gave them my current lease, Social Security card, birth certificate, and a paystub all matching same address they still wouldn’t unsuspend my account because simply my driver's license address and my lease address do not match. Even though by federal state tax laws, I cannot Work within 100 miles of my home address,. and must keep a home state for tax purposes. WTH!!!! Been dealing with this for over a month now. Over it!

The worst company to go with. Just file a complaint at ** or call 1855-411-2372... You'll thank me later. My experience was the complete worst with them. They don't listen. Their customer representatives are the worst. Majority of them there. A few goods though.

If I could give zero stars I would. I opened an account with them and they did not require any documentation. I used the card PAID the balance in full and even paid the 7.95 to do the express payment. When I tried to use the card the card kept getting declined and when I called they said to try a different merchant. On Monday I checked the balance and my available balance said ZERO! I did not even use the card after paying it in full. I called to speak to a manager to ask why did they not ask for documentation prior to use or explain that I would need a utility bill in order to show proof of residence I would have never even gotten the card as I don’t have any utility bill to show! I asked could I submit a phone bill, auto insurance bill, car note bill, or any mail with my address on it I was told no. If I had known this I would have never opened the card with credit one. They are a scammers.

Based on a recommendation, I decided to go with Credit One, hoping that the company would stand up to the level of integrity that I was expecting from doing business with them. It was after two years that I found out that I was in a manipulative situation and taken advantage of with a secret “plan protection fee”, that they were charging me every month for almost two years. A plan that I never opted in for. I called to make a complaint, and when I asked to speak to a supervisor, they put me on hold, and then hung up on me moments later. I called a second time and the same thing occurred. I called a third time and immediately asked for the representative's name, and this time they didn't hang up on me, but connected me to a supervisor.

This card really sucks. Been having the same problem everyone has been having since September 26. My card keeps getting declined. I call and have to upload two forms of ID so I did and they still giving me the runaround.

I've had this card for maybe about 9 months. I called to go to credit increase because the amount was only $300. They told me no which I make over 4,200 a month and they wouldn't increase my amount. All my payments were made on time but it is not a good card to have. Even my bank told me not to get it so be aware. Their rate is 35 points some percent. Bad customer service. Bad card. They chose to close my account because I got mad because the increase wouldn't happen. What do they expect people to do? Stay for a $300 credit not worth the trouble and the fact that they charge you $9 be if you do it over the

Horrible experience! Changed my name and address on both cards! Cut off one for fraud! Over a month of uploading extensive documents and still having to wait 7-10 business days for them to verify documents! I moved states. They won’t accept the paper document the state of Ga gives you. Had to wait 3 weeks for plastic DL to come in the mail. Completely outrageous! And the other card is still active! If you are so worried about fraud why wouldn’t you cut both cards off??? When I asked them over the phone to verify where my other statement was going they would not verify my own address to me! Once paid off will NEVER do business with them again! Been a loyal customer for over 10 years!

Pointless customer who can not help when the card gets blocked for no reason. Cannot unblock security when there is no fraud and even when you call to say they are approved. No other recommendations but the same repeated nonsense.

Don’t ever get Credit One credit card. Every transaction they will put hold on your card for days even if you call and say you authorized it and if you call beforehand and let them know it doesn’t help. They still put block on almost every transaction I made. I made a halfway payment and it was rejected and they wouldn’t tell me why I had money in my bank to pay the amount. So they just decided to shut down my credit one account altogether and I would have to wait for new card. This bank is a joke.

Credit One bank will misrepresent the facts at every step. This is a predatory lender. You might be tempted to apply to help your credit or to buy that item that you've been wanting, but do not fall for the bait and switch. A sparkly new purchase may feel good for the moment but they'll make sure you pay for it for years.

I reviewed my Credit One Account with my Accountant & we found they were "illegally" charging me since day one for Credit Protection. I have NEVER signed up for that service. We researched & found that they have did a number of Fraudulent things in regards to Consumers accounts. I am going to take Legal Action for years of Stolen, Unauthorized Fees. Don't trust this company.

I have a Credit One Credit card. I have had no problems in using the card until recently. I have been declined twice because of fictitious purchases. This happened on Saturday, September 28, 2024 both transactions. Now, they are telling me that I can't use the card because of fictitious purchases. I'M NOT A FRAUD OR FICTITIOUS!!! I'm the one using the credit card. I'm very upset and this is unacceptable and ridiculous! I'm ready to file a lawsuit against Credit One.

It's hard for me to write a review without prohibited rude words. An incredibly bad bank, I've never seen anything like it. There is no online support, it is not clear how to top up your credit card with a transfer from another bank. I add the details of the bank and account from which I need to top up the account and in response I cannot process the request. This bank is also not available in Zelle.

I got a letter in the mail from them saying I was pre approved and since my credit hasn't been so great for a while and I was looking for a cashback credit card. I decided to go on the site and use the offer code. When I read all about the card in the mailer I received, it didn't say there was a yearly fee and it also said there was a promotional offer. If you spend $500 in the first 3 months you get $200 cash back. Long story short I made a purchase of $1025 after getting the card on May 31st. So after August 31st after all not seeing the rewards on my account I called and spoke to someone. I had been on the phone for a while and he said he would try and take care of it for me and put me on hold. After a while I got disconnected. No one ever called me back. I called again and the representative said there was no cashback offer on my card and kept arguing with me.

Worst card you could ever get. I highly recommend you pass this card, this bank is garbage. Look elsewhere for a credit card. Will never use them ever again. They sent my account to collections then tried to sue me. They can go get bent.

I would give no stars if I could, extremely predatory company. They allowed a fraudulent charge that was TWICE my limit to go through, even AFTER I called and told them it was fraudulent when I saw it pending. I paid off my actual balance and disputed the charge several times, to which they did nothing, and after they harassed me via telephone for weeks on end, I told them I wouldn’t pay a cent more so they closed both of my accounts with them and sent it to collections. DESTROYED my credit. Do NOT use this company for ANYTHING. They need to be investigated and shut down immediately.

Credit One Bank treats you like a child by locking your card for week for using it on websites they say gives the impression for fraud. I made a payment 2 weeks before it was due and paid more than my payment to increase my credit limit and help improve my credit score. I called to make sure I would be able to use the my card at the grocery store. The person reassured me that all was good. I could use the card. They locked my card on the first try. I tried it again thinking it was the card machine. It was locked so I had to leave my groceries and go outside to call. The person said They locked it because I tried use it multiple times, They again said I wasn't allow to use it for a week, like a punishment, Today I called to ask for permission to use the card I spoke with MR. ** a supervisor. I asked if I could just withdraw cash at the ATM, if he could please unlock my card. He said sure and sure enough I put my card in and it locked!

This company froze my account because I made a payment and they wanted to verify it. Then told me that I had to wait for my September bank statement (a week away) to be sent to them and then it would take another 7-10 days for them to remove the hold. TOTALLY UNACCEPTABLE!! I was not overdrawn, nor was the credit limit that high, so this makes no sense whatsoever. I will NEVER use them again. They clearly do not care about their customers.

Worst credit card company ever. They have fees for everything, even fees that you’ve never heard of and they take forever to upgrade your balance. It’s like they’re open that your other account that you used to pay for it runs out and it’s time to update and there’s no funds. They charge you again.

I have had their card for quite some time because it doesn’t matter how many on time payment you make the bill never goes down!!! They are charging me every month 100 dollars and for almost two years the bill stays the same. When you speak to a customer service they will give you the runaround!!! Very disappointing service and once I am able to get the entire bill paid for I will closed the account and never use them again!!!! Stay away from them!!! No good company. They are there to steal from you....

I do not recommend it; I thought this company was good after seeing positive reviews, but it is not what I imagined. One issue is that they charge you for making a payment to the account if you want to have more credits available and lower the balance because they will charge you $7.95. Now, if you pay using standard payment, you will have to wait 7 days, and that can be problematic. For instance, if you have a direct bill charge to your account and you do not have enough credit, then they will not allow the transaction. Another thing is that they charge you almost $100 a year to have your credit card. As I see it, it seems like a scam by Credit One, as that's not how Bank of America, Discover, or others operate. Credit One makes billions in profits with all these fees they charge and then adds very high interest rates.

I highly do not recommend this company. My experience in 7 days has been horrible with several declines and my card being blocked because the company suspects each transaction is being made with fraudulent vendors. This includes chain merchants. They have a scripted response to the issue that continues to repeat, with inconsistencies in the duration of time to attempt another purchase. The last rep told me to wait a few days, opposed to the first time it happened, when they said to wait 10-15 minutes before using the card again.

Very terrible... No email support and they charge $100/year even if you are not using the card. I paid off the balance and contacted them by phone to close the card 2 years ago. The $100/year fee should be a credit or refund check mailed. And how come the customer support is based in India or Thailand.... I can't understand 75% of what the customer service people say.

My card was canceled because I didn’t send a photo of my driver's license. Never got a email or anything in the mail about it. Payments take forever to post unless you pay almost 8 dollars. They did me a favor.

Terrible company. Horrible! First my card got block because they said the restaurant I tried to use the card at was suspicious, then it got blocked because "I used the wring pin at the ATM", then it got blocked because I paid it off and they wanted a proof that it was that made the payment!!!! I've never heard of showing proof for a payment. I got to use the card for a week and it's been blocked for two weeks. I spoke to 6 people and they all gave me a different answer. And now I have to wait 10 more business days for them to verify my proof! The customer service is horrible as well. You gotta call India, all representatives give you fake american names and they can't help with anything. They only have one answer which is "it's the system, we can't do anything about it." Don't ever open an account with them because you're not gonna see your money and at the end you have to cancel the card and drop your credit score.

When I first got this card I was very satisfied but overnight it changed. After a few months I started having issues with them freezing my card and not unfreezing it after I confirmed any legit orders. Every month they got a payment from me at least double or more for a payment but would charge me a few if I was a day late. To be clear I was only late twice and called to explain why. Then customer service was great until the last few months. They talk over you so they have zero clue what you need to say. I asked the guy tonight to let me finish talking instead of talking over me. I had ONE simple question. He laughed and said ok and guess what?!! He started to talk over me again.

I am being generous with my one star, wish I could go lower. Worst bank ever!! The interest is too high, and they charge me $75 twice, then wanted me to make a payment for their charge. It really is a scam. Don't do it.

I am being generous with 1 star. My credit card was recently charged off. Sent to collections. Reason late payments. I have had 1 late payment in the last 7 months and that was 1 day late. It ruined my credit score. Dropped over 100 points. My recommendation is don't apply to Credit one if you are trying to build up your credit.

The past few weeks the purchases I make are getting “flagged” or “blocked” and counted as fraudulent. These purchases getting declined (some low $$ some higher $$$) happen randomly. We Removed a blocked at 10:40 am today, a purchase of $34 was declined at 12:13pm same day. Called back to figure out what’s going on, couldn’t access the account without calling my husband again (that would be three times in one day). Option is sending in a power of attorney to permanently give me (authorized user) permission to access the account via customer service. It’s not optimal but it’s Credit One procedure.

Wish I could go lower. They keep screwing me. It denies everywhere just about. I pay on it. They don't update it. I usually use debit card. Well lost it so pay with bank. They lock me out of it because I used my bank instead of a debit card to pay.

Credit One has called me at least 10 times a day to harass me about a payment that was already made. I make payments online and they take so called fees out to leave my account in the negative. I have spoke with the so called manager which was **, he lied about everything that was said on the phone. Do Not Use This Company.

Horrible customer support, they blocked my account once I paid in full, they said for scam security protection!!! I called and the only way to unblock is sending email with documentation!!! Which take about 10 working days to be reviewed!!!!

Worst mess I have ever experienced, trying for the third time to close my account paying in full, got email showing account closed with zero balance. Today showing past due $73, I paid it twice already and they keep saying my payment method was rejected, complete theft!!

This is the worst bank. I closed my account and they continue to charge me fees. I closed the account and paid in full my balance!! This is fraudulent!!! I have called every month!!! To be told my fees are waived... what fees on a card I closed and owe nothing. They are a disgrace. Do not use this company. I'm still arguing with them and continue to get bills.

After reading other one-star reviews, I can see that my experience is common to many people who have had the same situation occur: a block being placed on your card (allegedly), by their system, that flagged a gas purchase - within the United States - as if it was a fraudulent card use. Instead of getting a call (on my mobile phone), or text message, to verify it was me who was using my AMEX card - in a different state, other than the one they have on record where I reside - I had to call them, and they told me they have a "policy in place", which required me (get this while I was on the road), to transmit an electric copy of a utility bill, and a state-issued ID, uploaded to my online portal for Credit One Bank to review and use as proof of identity - so the block can be removed.

Terrible. Do not use this bank!!!! Every transaction I do is considered suspicious activity but I did not know Burger King or Amazon shopping for my pregnant wife was suspicious activity!! They're a joke and when they remove the block they suggest you do not use the card for 5-7 business days. I have never had an issue with any other bank but Credit One Bank absolutely trash, I would recommend capital one bank. Stay far, far away from this bank. If I could rate 0 I definitely would.

I am highly disappointed with Credit One Bank. They provide little to no help and fail to explain critical details about their payment process. If you make a payment using a different card, they lock your account, making it impossible to access your funds. This is never clearly communicated, and it's incredibly frustrating. While they are quick to take your money, good luck trying to use it when you need it.

This is complete and total scam. They send you a bill before you ever receive the card. You cannot get a live person on the phone after they lock you in and they charge a ridiculous fee for EVERYTHING. I will return the card and cancel ASAP!

Fraud 100%. Do not get a Credit One credit card or bank account. They force you to pay fees or they will not accept your payment. Even after setting up payments without fees they will still not accept a payment without fees. They will refuse your payment or send it back and threaten to close your account. They need that $7 fee so bad they will destroy your credit just to get it. Annnnd they harass you night and day even when you don't owe a payment. Call after call after call, night and day, weekends, at all hours, multiple times a day. Do not do business with them under any circumstances. You will definitely be sorry.

I was put on bed rest and unable to work, I contacted them to see about lowering payments for a couple of months and was told no. I will be honest, I did miss a couple of payments after that but then I was able to make small payments and the last 2 months larger payments. I called to see about setting up a payment plan until account completely caught up and was told they won't do that but I can call a credit counselor. I have been with them for 10 years. They are a horrible company!!!! My other card companies (2) are working with me and were very nice about it.

Accidentally got this card because I thought it was Capital One due to Credit One's logo, looks an awful like Capital One! Their first tactic to get you stuck. 2. When you go online to pay your monthly bill, and the min payment is. say for example $40 dollars' and you pay that and can't figure why your bill is not being paid down, it's because that amount is different on your statement say like 78 dollars but you only paid 40 because that's what it said on the payment screen so you have now missed your payment, you only paid 40 and not 78 and you do this for say a year, not realizing the amount was wrong and you now get that 49 missed payment fee every month, you only pay 40, and they do that to get you stuck and hope you don't but two and two together. I even printed both screen just to prove it if I had to. Crappy card.

A bunch of clowns is what this bank is. I had three credit cards open. I paid them off and closed because of poor customer service. So I thought I’d give him another chance and applied for the American Express Card both came back that they thought my entry was fraudulent. Can these idiots be? I got the same information on these applications I had with the three previous cards. Thank you for not allowing me to continue because now I remember why I closed the other three accounts.

They tried to charge me the annual fee in the first month, taking it out of the credit money. They didn't say that before when they were trying to sell you the product. I didn't even use the card, I immediately asked them to cancel it.

No live customer support whatsoever, and charges $175 per fuel purchase (different gas stations; if it was just the same gas station company it wouldn’t be Credit One doing it), which takes a week to reverse, quickly depleting available credit when you drive all day every day for work. As soon as I pay off the balance I’m canceling the card.

Credit One is great for people with poor credit that they want to build up. I opened one up and wish I had not. I didn't need to build up my credit. I already had a Capital One card I was pleased with. I refuse to pay a monthly high annual fee for a low card balance. Customer service is extremely rude and hung up on me. I have never had a hard time paying my bill or paying it off. They are a garbage credit card to even keep.

Credit One Bank sent me a Credit Card. Thought that it had no fees But later they sent details that it had a fee of $ 75/ which for me senior person can't afford. I never activated this and I called the toll-free no to cancel this card but there was no option to cancel and in two minutes the call dropped. Finally, I wrote the letter and requested to cancel. Its has worst experience to contact the bank.

Horrible experience. Excessive fees. When I tried paying them off completely they made it almost impossible. I had to get my bank manager involved to pay them off. The branch manager contacted Credit One and told them outright what they were doing was illegal and in violation of banking practices that govern credit cards. We then wire Credit One the balance and paid them off completely. Credit One sucks.

I paid off my Credit One Card and closed the account. Now they are sending me a bill for 8.00. I called to say the account is closed, and asked why am I being billed. I was told I didn't pay enough, I did pay what I was told I owed. Now they want more. I haven't used the card for over two years.

THEY SUCK, take long to do anything. They don’t understand your needs even when you verify everything. It’s a pain to get my card on Apple Wallets. The interest is high. I’m going to pay off my cards and cancel and go with another bank.

I recently had an absolutely terrible experience with Credit One Bank that left me beyond frustrated. I flew to visit family and needed to rent a car from the airport, but when I tried to use my Credit One Mastercard, it was declined. I had just paid off my bill the month before, so this made no sense. I called Credit One for help, and after being passed around with no real answers, I finally insisted on speaking to a manager. When I did, he shockingly told me I would need to rent a car from a different company because Credit One doesn’t work with the rental agency I chose. Since when does a credit card company dictate where I can spend my money?

Credit One Bank is one of the best companies I've ever had the pleasure of dealing with.. They really care about their customers and their experience with them and they are willing to go the extra mile to do whatever they can to see that you're satisfied. It is being their customer. I look forward to this being a lifelong relationship with this company.

If you want to be embarrassed at the store from your card randomly being put on hold and declining purchases sign up! I am all for security but when I’m making a 30 dollar purchase at a local convenience store on my lunch break and get the hassle of having to stop the entire line and find another method of payment because they found me buying a sandwich suspicious it’s annoying.

OMG it's robbery without the gun. They offer $300 and take $75.00 before you actually get the card. So you actually get $225 - 12% per dollar. In the end you owe them $300 and they only gave you $180... plus I tried to pay $40.00 and they sent a email that said they refunded my payment, I have yet to see my $40.00 payment. This is actually turns into a prepaid card, because you have to pay the full balance to use it again. It's not like you pay and a percentage of credit is restored.... Nooooo you must pay off the full balance if $300, but they only gave you 180.00. Omg... No!!!

If I could give zero stars I would. I would make a payment from my bank account, they would show it pulled but then three days later claim they never got it. I have never been on the phone with a financial company so many times!! Their customer service is a joke. They don’t understand English and just keep reading from a script. Shady. BEWARE!!!

Would not recommend this company at all! I have had my account(s) in good standing just to be told some agent closed my account ILLEGALLY! I also did a dispute of a charge 'cause the product stopped working and they reversed the charges! Consumer(s) BE AWARE of this company!

Had and charge on my account and called to straighten it out. Called customer service and what a waste of time. Foreign call center staffed by people who speak broken English. They have no comprehension of what you're trying to get across to them. It seems all they do is read off a guidebook. Totally!! Worse customer service I've ever dealt with!

I keep getting charged $8/month for a card I closed a year ago. Customer service claimed there wouldn't be any fees so I didn't think anything of it at the time. Called them multiple times and they still refuse to remove the fee.

I have been recovering for almost a year. One missed payment and 12 robo calls in one day because I was too sick to answer. I am almost 70 and on Social Security only. The makeup payment will be made as soon as August's payment comes in on the 14th. Will cancel card and make monthly payments until paid off. The number of calls a day is unnerving and crazy. A couple I could see but 12 almost back to back is horrible.

My experience with this Co is horrible. It’s Tuesday and I have had 2 calls when I am going to my bill. It’s due Friday in 3 days. I said I would be paying Friday the due date. She kept pressuring me to pay on Tuesday during the call. She asked what time I would paying on Friday and asked if I was paying via the app or calling the payment in. I don’t appreciate being HARASSED when my payment isn’t due for the days. Horrible customer service. Very rude and respectful.

Worst card I ever had in life! Had to call during EVERY transaction because they blocked every transaction. Then had to speak to 4 agents & a supervisor every time. Never again will I make this mistake.

After having a Credit One Bank card my card was used fraudulently 3 times in 4 months, they sent me a replacement and that one was used twice fraudulently in 3 days apart. Please stay away from credit One Bank credit card.

Oh, how horrible this company is! I was dinged for over use that did not happen. I paid off my account, including what I did not owe (12.00) and cancelling today was a nightmare. The rep kept reading and talking, and I'm sure it was because they are paid to keep people on the line. In addition, customer service is nonexistent, I had to choose the option to report my card lost or stolen in order to reach a human. I was told I'd receive an email confirmation of cancellation within 24 hrs. Avoid Credit One!!

After receiving several offers telling me I was prequalified for the X5 card I gave in. I have not received my card and I already have a $95 annual fee charge on my online statement. I am not going to activate my card when I receive it, instead I’m going to cancel it and cut it up in tiny little pieces. How in the world are people rating this card five stars is beyond me. I would never recommend this card to my friends or family.

Heads up people. Credit One will lie to you, and disrespect you. I haven’t even been a customer a week, which we all know that the credit one credit card isn’t in my possession yet but guess what, I already have a charge on it. The card was supposed to be here today and guess what? NO CARD. Horrible customer service, barely speak English. I canceled the credit one card and account. If this is how it’s gonna be in a week I can only imagine what would go on in the future. Bypass these fraudsters. You will get lied to, ripped off, and your credit score is at risk.