Credit One Bank Reviews

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

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

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

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

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

Well Credit One has given me peace of mind knowing that I have extra money put aside for when I really need it. Especially right now in the time and economy we live in. This extra money helps at time after paying my bills like car payment and rent something I need a lil extra for food, clothes and gas. So I’m very grateful for credit one for giving that security I need! Thank You!

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

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

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

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

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

Credit One was punctual sending the card. They are on top of any needs or questions you might have. Overall, a pleasant experience.. Also, they really look out for you when making purchases. They will lock your card if something doesn't look right on their end. I think that's great and shows that they are really committed to you. Thanks credit one.

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

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

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

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

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

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

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

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

Am enjoying my new card but on the third of this month I went to fuel my car at a shell gas station, fuel was for 43$ but my card was charged 200$ so when I talked to the shell guys they said I will get the money back in 7 days, and when I don’t get it they told me to tell you to file a dispute.

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

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

I’ve had a good experience with Credit One Bank so far. I originally got the card to help build my credit, and it’s actually been pretty helpful. The approval process was simple and the card came pretty quickly. I like being able to check my account and payments easily, and it helped me start building my credit history. As long as you stay on top of your payments and don’t spend more than you can afford, it works well. For someone trying to build or rebuild credit, it’s a good option. Overall, it’s been a solid card for me and helped me move in the right direction financially.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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