Credit One Bank Reviews

If I could leave a zero, I would. This bank is horrible, and they absolutely do not cover their customers. Credit One allowed fraud to happen to me. They also did not back me up or fight for my money back. Horrible customer service. Not American owned. Please do not use this bank even as your last resort.

This company is out to deceive you. Got approved, never got the card, was charged fee, never received it back, customer service didn't understand the complaint. Don't get involved with them, they should be shut down and sued.

I went with this company as I was working on improving my credit. My pay history was so good at one point that they issued me a "black" card with a higher limit. Well I became deathly ill with RSV and COVID. While in the hospital for several months, I ran out of leave time at work which left me in a leave without pay status, causing me to miss several payments. When I was finally able to catch up my payments, I find out they have closed both accounts even though they had documentation from my job and doctors. DO NOT GET A CARD WITH THIS COMPANY BECAUSE IF YOU SHOULD FIND YOURSELF IN A SITUATION LIKE MINE, THEY JUST WRITE YOU OFF. Horrible experience to say the least. My card companies worked with me, but not them!!

They charge you 9 dollars a month and 30 dollars fee yearly and you can not pay the 99 dollar fee ahead of time. Oh and Don't misplaced your card that a 25 dollars. This would be the last card I would use in case I need to use a card. I can even understand their customer service.

Applied and got approved for this card because Credit Karma gave me excellent approval odds. There is no way to contact Credit One Bank that I can see. They have a bunch of FAQ's, and from other reviews that I'm reading, I'm not the only one that has this issue. What isn't explained to you upfront is, when you pay your bill, it takes 7 days to reflect in your available credit unless you pay an extra $4.95 "express" fee. No thanks!

This credit card is full of fees, never updated your credit usage as it dissipates, but hits you hard as soon as you use the card. They charge you for not using it, take fees to have it, and charge you for using it...worst credit card company ever. Waiting to find a cancellation fee associated once I cancel.

I have credit card from Credit One Bank. It does not raise my credit scores. I pay one time which is every month. Every time I pay my credit card bills I never get money for me to use, not even cash advance.

I was in Mexico and left on 2/11/24. A few days later I realized I did not have my credit card. I call to report my card stolen and charges made after I returned to the US. There was 4 different charges on 3 days after I returned. They asked when I lost the card & I told them I did not know. They denied the dispute because I did not know when the card was lost. I then sent a letter with my flight ticket showing I left on 2/11 and I was not in the country when the purchases were made. I was still Denied! They are the worst Customer Service with no common sense. Go elsewhere even at a higher rate!

Filed a complaint with the company about a fraudulent charge. The charge had not posted yet so the rep informed me the complaint would go in as soon as it posted. Was informed it would take about 3 months to investigate. This was on 19/28/23. I called back in Jan to find out how it was going and then received a letter saying I waited to long to file a claim???

I have been with Credit One for a couple years now and the end of last month my account was flagged because their creditors called a wrong number and someone said I was dead, that happened on Dec. 26th after paying my balance off and using the card all of a sudden it declined. I was so Pissed. I have called everyday since and I get the run around about the forms I now need to send in proving I am alive.

Just found out I've been charged an "ANNUAL FEE" every month for the past year and a half. Turns out, they decided they were going to change their terms of service and never notified me. I dug through my financial documents and emails, no sign of this change of agreement. So I went looking for the original agreement when I got their card. The paper* agreement that came with my card said nothing about changing to a monthly fee. Legally speaking, you should be asked to sign an agreement if the terms change and are not included in the original agreement. I will never recommend this company for this nearly scam-like breach of agreement practices.

2x months I had scheduled a payment, both of which were cancelled unbeknownst to me. I found out the day the payment was due with a text telling me I had a pymt due. Although I made screenshots of the 2nd payment showing the date of scheduling [thought I learned from the 1st time] When it came to the phone call, the information in the notes had been changed. When I asked why there was no notice for the cancellation, I was informed "BECAUSE we don't provide references/notices for cancellation" So I got screwed regardless of what I said, they had a "scripted answer" and had manipulated my page to the reflect the info they wanted. Was told the only way to keep this from happening was to set up Autopay. Although it is against my better judgement, it looks like I have no choice and no way to protect myself.

I had paid my balance in full and it showed availability but then when I used it, iT declined. I called they said fraud in the area so wait. Yet I never got a message asking me if I tried to use it and none of my other cards had issues. Then I finally could use it for $5 but nothing more though my limit was paid in full. They just asked I prove I paid for it. So I went online to show it and the site never worked!! Omg this is the worst card. Don't bother with it. You can't ever use it.

Just received a letter from Citibank that my account was closed due to uncovered unusual activity. Paid $39 for the annual fee and this is I get???. What if they collected 100 people for $39 and close the account before one or 2 months?...I called customer service and just say, they could not refund it.

They don’t care about you only about their numbers. They will do what’s best for them and not you. They took my money and never gave it back claiming that they did not receive the documents when they did but it was in my favor so they closed the case.

I accepted an offer for a $500 credit line through Credit Karma. I received the card and upon registration of my account on the Credit One app, I was able to see that I owed a $39 annual fee. Cool, I read about that. I paid it off immediately. A couple of days later I used the card to pay $25 for a Netflix account. No problem. I waited until the statement date and then immediately paid off my whole balance. The next day, I go to buy snacks after work, and my card is declined. I call customer service and they tell me they locked my account due to "security reasons". Wouldn't tell me anything specific. They ask me again for 2 forms of ID uploaded to their website.

Their websites and apps won't allow you to make payments. You will be forced to call customer service and be charged 4.95 to make payments. No customer service representative or supervisors will speak English and you will be transferred, transferred, and transferred again. Don't use this company for credit card or any product they offer.

Couldn't get replacement card for 5 months. Each representative lied about following up on the card in 7 days. They shouldn't be a lender. Cancelled account. Thank you Jesus each month on the phone over an hour, everyone of them speak gook or can't say your name.

If you’re looking for a credit card do not go for this one. This is the worst credit card that you can get. They charge annual fee and interest. There will be a time that you don’t owe even when it’s paid off. You close the account and they keep adding charges. Worst company ever. DO NOT GET THEIR CARD! They will be your worst nightmare plus customer service is very unpleasant and very rude.

While I was thankful to be approved for the minimal amount approved, the waiting period between paying your monthly balance, the balance updating on your available credit and the time for the funds to be available for withdrawal again is a bit ridiculous. The Credit One card is the only card I have ever used that applies this format. Once my account is paid off in full, I will be cutting the card up and melting the pieces out in my fire pit. I always destroy my personal financial documents and expired/no longer wanted cards that way. Less chance of someone else getting ahold of such information. To each their own but, I do not recommend.

Instantly charged card $75 upon approval and then wouldn't let me use it until I provided information they didn't need.. I gave them w2 statements. SS card. Drivers license and they still wanted more, from my roommate... I canceled and they still tried to charge me money.... Do yourself a favor, try a different card!

There was fraud on my credit card and they did not and would not help me. Worst company ever! I spent over an hour on the phone fighting with them and their horrible customer service asking for me to prove to them it was fraud! This company will not protect their customers from fraud!

The cards are ok. High interest but I pay bills on time weeks before payment is due. Issue is that can't use wallet or apple pay as it doesn't support those cards. Come on now! Also are there any people who don't have ** accent that we can speak to so we can understand them better on the phone?

I've had 2 Credit one cards and for years things were fine. Then when I lost my job I was able to make my payments. But not long afterwards my 14 yr old grandson lost his battle after a year with cancer. I needed to help with financial stuff for my kids. So somehow I was late on a payment. Silly me I went paperless long time ago. I called to get a paper statements they were to gong to mail me them with in 14 days! They NEVER did.

Do NOT USE CREDIT ONE BANK!!! I have been fighting a “charge back” for 6 months. I stopped payment on a fraudulent order. Now Credit One is CHARGING me for the product I stopped payment on! They call it a “charge back”. I have been FIGHTING this for 6 months! So for stopping a fraudulent charge I’m being FORCED TO PAY FOR SOMETHING I DID NOT ORDER in order for them to release the Bad report they put on my Credit that has gone DOWN almost a 100 points since this started. This is outright theft and ransom money they are charging me!!!

Credit One is charging me late fees and giving me a negative credit score for paying early. If my credit is going to be ruined for paying early, then I might as well not pay at all. They are the only credit card besides varietal one Walmart! The card was cut. Walmart next! I’m done being robbed for doing the right thing!!!

I went use my card the other day to pay for parking which was $12 and I logged into my app. Saw that I had $86 of available credit and to my surprise the card was rejected/declined. Called customer support and was told my account was closed back in Aug of 2023 to which I had no knowledge of and have been making minimum payments every month. Bad practice closing out someone's account without informing them and then the next day in the app it shows I have $0 available credit but still nothing saying my account has been closed. Credit One needs to make this right.

Why is it impossible to pay off my credit card and have a zero balance with Credit One Bank? I paid my current balance, which was the same amount as the statement balance by the way, then I called to request for a fee to be waived. They approved for the fee to be waived, which should put my available CREDIT over the limit. Two days later, I checked, and I saw that instead of my credit being over the limit, I had a balance. I called and asked why, the supervisor whom I spoke with said he was sorry and promised to reverse the remaining balance to put my balance at $0. I checked today, I account still have a balance. Is it their way of making people pay interest non-stop? Am I missing something? All I really want is to have my balance at a $0 balance.

Credit one bank Is a rip off. I was told to mail payment pay off payment to correspondence and now they can’t find my pay off amount. I am furious. Customer service is rude and not helpful at all. I’m filing a lawsuit.

Applied for one of their Cards, this card never arrived in the mail. What I did receive was a bill for charges on it. I contacted Credit One and spoke to one of the rudest persons, with absolutely NO customer service skills. His job was only to call me a liar and blame me for the charges. After some time of arguing with him, he said the charges would not count against me. I asked the account to be immediately closed which now upset him again. Credit One Bank began a nonstop campaign of Calls, Text, E-mail going back on our conversation and again blaming me for the fraudulent charges. They have never offered to show me copies of the signed receipts required for purchase with a Credit Card. They now have reported as Derog on my credit, multiple times for the same account. They close the case then re-open it as a new card, hurting my credit ratings. Credit One Bank will not stop and has resorted to extorting me for their mistakes.

They gave us credit card, no problem but I was appalled that I have to pay $4.95 to pay for it but it could be supposedly paid right away. If not they’ll make it two weeks wait, two weeks for two appear on your account and my husband and I are both authorized users on each other’s cards and I wanted to be on there to make his monthly payment, do you want to charge us $18 for that even to make the payment so they just goddamn rip off.

Before the card even arrived it had been canceled, they even tried to charge me the fees associated with the account. The card had never been activated, but they claimed it had been lost or stolen. I wouldn't ever apply for this credit card.

After several years with these cards, it has become apparent to me that they purposefully make the billing confusing so that they can charge late fees. We are going to pay these cards off, use them sparingly and pivot to our Citi Cards instead. We are tired of the late fees and the intrusive phone calls in the middle of the month begging for money for payments that we already paid, but were partial payments because we weren't aware what the actual payment was on the due date!!

My card has been restricted going on a year. I keep telling them I have no utility bill to provide so they asked for my w2. Provided my w2 and my card is still restricted. Not only is it restricted but there's a balance of 125 on my card when I haven't used it in months. My last payment I paid the entire card off. And customer service won't talk to me about my balance cause of the restriction but happily takes my money to pay this bill every month when I can't even use it. Just dealing with customer service gives me anxiety. I really have no idea how they're still in business especially when they blocked my card while I was out of state and needed it the most even after I verified my identity multiple times and informed them I would be using my card else where. Tthis whole thing is a scam and they should be investigated. If I could give them no stars I would.

I have been a customer for over 20 years and I have never been late on one payment. I noticed that I had multiple back to back charges on my account in which was totally out of character. Once I was aware I immediately made them aware and they reversed the charges and issued me a new card. 2 weeks later I seen that they added the charges back to my account and I got a email saying the investigation department said I was liable. I made a in depth police report and tried for a week to send it to them where they told me to send it but the website kept saying try again. So I decided to email it to the address that sent me the notice that I was liable. Luckily they did get it. Because the address was supposedly unmonitored they said that they got the report and not to email them back... It’s been a month now and they still haven’t finished their investigation.

I was on my way out of the Country, and I contacted customer service and advised that I would be out of the country so that I did not have any problems while gone. I stopped at a restaurant in Istanbul Turkey and when it was time to pay my card was decline besides being embarrassed. When I contacted the customer service, they told me they had a block on my account for identity verification. They also told me that they needed my driver's license. I informed them I was out of the Country and that I had my passport they told me that would only work if I sent them a copy of my bill.

Card is always declined despite having it paid off and customer service is worthless. Their customer service phone number is automatically flagged as “known malwarebites scammer” too. Customer service is worthless in solving this issue. I’m shredding both my CreditOne cards. Don't waste your time or money on this high annual fee worthless trash card. Better off not having a card at all so you can avoid paying for a card you can never use.

I canceled a card because Credit One Bank charges crazy fees on their credit cards. I canceled my card with them. They put charges on that I had to pay before I closed the account. After the account was closed, they put an annual fee on the account and called me three times as of this date, trying to collect 39.00 on an account that is closed. They are obnoxious and a price gouger. It's the worst credit card company I've ever interacted with.

Once you open it you can not close it. I paid off my balance 2 years ago and closed the account. They open it every year and say I owe the yearly fee. When you call the girls keep transferring your call. They will not give you their name. They do not speak English. I have put in a dispute thru the State's Attorney General. Now they have sent to my credit report as me owing 103.00 dollars. I have to sue them.

I've been with Credit One Bank almost 3 years and my payment history is pretty exceptional. In December of 2023, I was approved for the credit protection program and was approved but not activated. I don't understand this idea of assistance if they're still charging me a minimum payment each month with interest growing plus late fees adding up against me. Where's the help in that?

I DO NOT RECOMMEND THEIR CREDIT CARDS. I'M TELLING YOU NOW. Once you receive the card and try to make a transaction you have to receive a text message or email to confirm it's you making the transaction or else your card will be blocked. AND I'M TELLING YOU NOW the online features for real time alerts notifications are disabled. You will be stuck in limbo with a blocked card. I'm telling you. You'll see.

I called telling them I had bank fraud and accounts were frozen and to not charge my other account late fee. Because the payment won't go through because of bank fraud the bank froze the accounts. They didn't care. They still charge me late fee and close my account because they could get payment right then and there. I called twice explaining. Don't get this card. I would recommend it.

I got this card because credit karma said it would be good for building my credit but has done nothing but put me worse than I was. I have a 300 credit limit, I've made 8 payments and they say I'm over my credit limit! Paid my bill on the day it was due, they waited 4 days, then said my payment was returned and charged me a 30 dollar late fee. I've already confronted this company once because they charged me late fees when I didn't even activate my card yet! This company is trash! They made my credit worse! Try to get in touch with someone again and it's all automated! Worse customer service ever! I will pay this off in full and cancel this piece of crap card forever and advise all to stay away!!

Do not get this card. I used the card for 20$ of gas. The gas station put a 200$ hold on it, I got gas at another station. They also put a 200$ hold on it. I called the company. Say, "What's up?" They say, "Oh your holds will be off in 7 to ten business days." Who wants a card where most people don't accept American express so I said, "Cancel this card. They did and they also charged me the 100$ annual fee and I only had the credit line for one week so they stealing from me. I hope this review make them lose millions. Remember I told you so don't use them as a credit builder. Go to Capital one. There is a reason their stars are low. Follow your gut. Don't use this company!!!!

I applied for their $200 security cash back card. I received the card and activated it. I got a letter say it was suspended for verification process. Sent in DL, utility bill, and paycheck stub. In Oregon, when you move, they do not give you a brand new license, they give you sticker with new address. I submitted front and back of license (sticker on back). I waited for their 7-10 business days. I tried to use it and it was declined. I received and email saying I needed to contact them at the number. I called. First off, I don’t have a problem with their customer service department being outside of the United States. Second, they are very polite. But it literally is a cookie cutter response department. I keep getting this, "You need to send a copy of my drivers license." I have submitted that 3 times.

Applied for credit card. Was approved for $300. They took $75 for activation card was sent to my old addresses. I called to tell them I never got it. Gave them my new address. They told me they were going to FedEx the card to me without me knowing they added a $19 FedEx fee to the current $75. At this time January 2024 29th I still haven't got the card. I have never activated the card but there is a $90 fee already on the card from my initial $300. Unbelievable. Wow. Bad service. Don't get this card. I'm going to cancel it.

So, it seems like ConsumerAffairs are more about making things more peaceful when writing a negative review on a scam artist creditor, even though I see OTHER reviews that are a lot harsher than mine being okay to publish on the experience section. I WILL be continuing to write negative reviews until one gets approved, because I don't like when an negative experience being ignored, while protecting a fraudulent company to benefit in the long run, so I highly recommend you accept this one ConsumerAffairs.

Had 2 cards. Both paid in full and on time for over a year. Because I made multiple payments on one card in a month they shut the one card off. Wanted to see my bank account. I called and called. Mind you both cards were paid in full. After getting nowhere with them I closed both cards out. With their high fees and etc stay away from them. If they can't make money off you they will put a hold on your card even if you were on time and never late. They offered me a credit line increase if I kept the other card. Needless to say I told them to drop dead AND CLOSED IT OUT. CENTENNIAL FINANCE IS THE BEST TO GET LIKE REFLEX OR ASPIRE.

DO NOT GET A CREDIT CARD WITH CREDIT ONE BANK!! I was charged an annual fee after I already closed my account the prior yr and didn’t realize until it showed up on my credit report!! I called in and they charged me 2 late fees plus the annual fee adding up to $111 total for an account that I had already asked to be closed!! Also to top it off this was an account that had literally the lowest credit line I’ve ever had!! Please do not do business with them. They will charge you on top of charges and not do anything to help!! So of course I had to pay $44 to close my account in full and it's not reflect on my credit report!! Total Bull. Like seriously. Credit one you can do better!!

If I can warn 10,000 people about Credit One Bank and get them out of business I sure would. If you miss a payment with them they call you 20 times a day on different numbers even after you block them and it's always a foreign ** or ** person that calls you. Their credit claims are also fake and not real. They don't report on time payments and it doesn't help your scores improve. It's basically like a firm or any other company cheap company for low credit scores. 0/10. Never again. When I pay them off I'm canceling for good.

Horrible and fake credit card offers are their techniques if receive that offers please dump in to the trash bin, I’m warning you, they are real cheater and offering you something doesn’t exist. Please don’t use it at all.

If you make a payment on Credit One's app you have to put express payment and pay a fee. If you do standard they will hold your funds for up to a week. Paid off my card and they are not releasing any available credit for 5 days.

I've never experienced such incompetent group of people in my 34 years of life, we spent over an hour in just trying to report our card lost/stolen. Please whoever is reading this, stay AWAY from this company.

I tried to use the Credit One Credit Card online, and it set off all kinds of fraud alarms, they locked my card, and gave me a different story each time I called to try to resolve. One of their Reps went so far as to tell me “Tough luck. We might have it straightened out in 3 to 5 days.” They have no knowledgeable people in Customer Service.

$300 limit CC with COB for 2 years no late pymts. 3 mo ago my father passed and I had funeral expenses. Alerted COB my CC pymt would be delayed 2 mo. I got collection calls every 4 hrs, 7 days a week for 2 mo. HORRIBLE!

Good god almighty, the company HARASSES you if you fall even one month behind. They call every day even when you’ve told them, you can’t pay yet, but the payment will be made the instant I get paid. Then they still HARASS you daily. What else do you want me to tell you other than I’m sick of being harassed, I can’t pay what I don’t have! DO NOT get a card with them. The interest is ridiculous, the yearly fees, the shady charges that show up if you don’t keep track of your statements. Late fees AFTER you pay the monthly statement. Idk, I've reported them to consumer finance for harassment at this point. Life is super stressful for a lot of ppl, so do yourself the favor of not adding anymore to yourself by getting stuck with Credit One Bank.

I am disgusted with this company. I was sent a credit card and used it for three weeks, paid it off in full before it was due and a temporary suspension put on it as they wanted to verify that I paid it, which makes absolutely no sense as it was paid and they state that in the letter. Then they closed it as I didn’t send them the proper paperwork - they wanted a copy of my bank statement, reported it to the credit bureaus, which brings your score down 50 points! I feel this is a disgusting business practice as people are trying to repair credit or get credit. This will instead ruin your credit. This is a scam credit card to get your first payment which includes the yearly credit card membership. If you read their reviews, there is so much that can go wrong here with this company.

I got a $324 charge on my account that I did not make and they are making me pay for it. They’re making me file a police report to think about reviewing the case. I’ve banked with them for 16 years and I’ve never been late on a payment. They do not care. They told me they’d waive monthly cc fees since I’ve been such a good customer but then proceeded to say, "Oh that’s not correct info, sorry." They’re awful, steer clear.

I have been trying to pay balance for months and it stays the same after not using the card. Talking to the customer service foreign person is ridiculous. They repeat the same thing that I'm behind after my thinking I've caught up. Then doubling payments on me. Nope would never recommend. Total rip-off. Just checked balance again after two $30 payments within one month and balance is still $350.

Do not lose your credit card, Credit One will charge you 25.00 to send you a replacement card, not very smart on their part, I'm not paying 25.00 for a replacement card, so I'll just pay my bill every month until it's paid down, then I'll be done with them.

I have the app and enrolled in autopay as soon as I got it. The system didn’t process it. I didn’t find out until the next day checking all of my accounts. The app says late payment and autopay enrollment is turned off. I pay the bill and turn on the autopay AGAIN. I see I’m charged a late fee I call and the representative is speaking to me as if I don’t pay my bills but he can clearly check my history with them and know I have more than one account and have always paid them on time. I ask for the late fee to be removed as a courtesy and he said we can’t do anything but put you on a hardship. I’m not asking for a hardship. I’m asking for you to take care of your customer because you have a glitchy app.

Try another credit building place instead of this company. It’s not worth it. Please take heed to my advice. They will bring your credit score down drastically. The customer service sucks especially Elijah and it’s just bunch of ** idiots in office that doesn’t know what they are doing.

Have had a card with them for a couple years, just keep it as back up and never use it. Ridiculously high interest rates. Then to top it off, I make my payment on time mind you on the day that it's due but because it wasn't made 2 hours prior it didn't post to the next day and then they gave me a late fee. I called them to request they remove the late fee and they told me they could not do that. Utterly ridiculous considering the fact that I don't ever call them to ask them to pay late fees because I'm always on time and have never been late. Not to mention somehow I'm subscribed to their stupid credit protection plan which I know damn well I never subscribe to. They had a pop-up come to find out where the subscribe button is in the area where you would usually find a no button. So basically they trick people into subscribing to their BS credit protection plan.

I want other real people to know the truth about your organization. I personally believe there should be a review by Better Bureau of Business. Your rates are too higher to pay off monthly. I was recently unemployed and call Credit One and they offer me credit protection program as cutting corners to pay the minimum pay on the card credit the company adding on extra interest fee to the account making it more than what I borrowed, that’s is wrong. I have try numerous times to be in the program credit protection that’s allowed me to manage to pay down every 100 dollars for 1 for eg if I own 400.00 I will pay 4.00 until I get back on feet, this some thing Credit One bank advertises. I send my paperwork, they receive it and denied me twice without my knowledge. The reason was I wasn’t up date on my payment. I am unemployed. How is that possible? They are liars and rip off. This does not build anyone credit. I am real person review not Robot.

I ....went to Quick Check and got 30 $ worth of gas and Credit One put a hold for 150$ and it will take 7 to 10 business days to have my money released...all this for 30 $ worth of gas, no other credit card I have ever had took 10 business day to release a hold, this card is worthless and the Credit One will try every trick in the book including making you think the account is closed until they hit you with an annual fee or they have garnished your paycheck and then you will find out they lied and never closed the account just so they could bill you and screw up your credit.

ALL THE CREDIT ONE NUMBERS ARE DISCONNECTED AND THERE IS NO WAY TO REACH ANYONE. Every single number that they have just Beep... Beep....Beep...Like wth is going on!? Is my credit score going to be a screwed now because they are taking my payments but my available credit is never updating?!

Short story, account opened and annual fees paid $39, but credit card never been activated. All requested documents uploaded including social security, DL and Water Bill, still not activated, at the end of the story account closed. Annual fee not refund, reason account closed even though card never been activated, to say "used". Agent said check will be send, supervisor said no way to refund back, KIM manager said after 2 months Credit one Bank cannot refund money back. This is called stealing people money. How many client went through the same issue like me? Let's say 100 per months times $39 = $3900. Don't be part of unaware customers like me and others. You are warned, never say, no one said anything!!!

They don’t know what they’re doing. They don’t know their own protocols they don’t know their procedures they don’t know how to turn on your credit card they don’t know how to turn off your credit card they don’t know anything about anything and these people are running a company. It is a gamble if your card works because of credit protection, the way credit protection works. For example, if you’re at the Marriott checking into a hotel a nice one they will flag that as suspicious activity for the merchant and then they’ll say that they’ve had lots of fraudulent activity there, and that’s why you can’t use your card there and target. I don’t see that at Walmart and, and that’s why you can’t use your card there and target. I don’t see that at Walmart and they’ll say that you ** go.

Walmart can say I order something online. Only thing is I didn't and have to get a Police report. They should be the one getting it. I didn't make the online package. They not doing their job, they lazy what about my card protection. Why am I paying that for. Tell me. Tell me.

Credit One Bank's refusal to grant a $400 credit limit increase to a customer with a stellar payment history and a credit score over 750 is not just disappointing but outright baffling. Instead of rewarding loyalty, the bank suggests opening a new account with a $1500 limit, conveniently forgetting to mention the accompanying maintenance fees. It seems Credit One is more interested in profiting from unsuspecting customers than valuing their financial responsibility. Stay away from this bank if you value transparency and fair treatment. I wish I could give it zero stars.

If you are ONE day late on a payment, no matter that you have made all your payments, they will call you continuously during the day. They have called me up to 20 times per day, every day. It doesn't matter if you talk to them once per day - they will still call you multiple more times that day. DO NOT USE THEM.

I went in to pay my bill with Credit One. As I logged on showed my account need to be reinstated. It was a shock since I used my card in October and November 2023. I spoke with the first representative who informed me that my account was closed due to the wrong mailing and email address. I informed her that their system showed the items were updated in August and September then she went on to inform me that the system blocked my update. I requested things be reversed, an email sent to me of the information we discussed, and an update to the credit bureau since this was on them. I was told that couldn't happen. Then I informed her that I would record the conversation and she jumped to the defense that wasn't authorized.

It is the most horrible and impractical credit card that can exist. I opened it by mistake, it charges an annual fee of more than 95 dollars, it offers practically no cash back and charges continuous interest for each purchase you make, in my opinion it is simply a scam, we already know that banks do it but none with the nerve of Credit One, I recommend that you do not use this bank as long as you have other options.

I’ve been using my card and paying on time every month. I got a second card and immediately after the first transaction they place a hold on it and want me to send them my ID, a bill with current address, ss card, etc. I have now been 2 months trying to get the hold off of this card and the red dot idiots will not take it off hold. I am closing both accounts and spreading the word to never ever deal with this terrible company!!!

So I had fraudulent Uber charges onto this card. No record of the Uber activity on my Uber account. And I called them about it and they said it’s going to be going under investigation. I open my Uber account and see the charges are still there, so I paid it to get it out of the way and then Credit One gave me the charges again next month. I haven’t used this card in months and I will be closing this card and never using their service again.

I had a Credit One card then I asked for an advance and they sent me a 2nd card. Interest rates are about 30% I would pay more than the minimum to avoid late fees, and tried to have other bills paid with that credit card. By the end of the month that extra money disappeared and all those bills I had to come off the Credit One card were not honored. I couldn't understand what happened to the extra money that was supposed to be used for my personal use and ended up being absorbed into thin air. I owed no late fees, my bill for that month was paid and I paid more than expected. The next month I was back to square one. The more money I paid on the account the more they took for themselves. So I let it go to collections, worked out a settlement arrangement with the collection agency and paid it off that way.

This is by far the worse credit card company that I have ever had. Not only do they charge a monthly fee to have the card but the customer service department is horrible and pretty rude. I was very happy today to call and close my account with this company and would urge others to look to other companies before signing up for this card.

PLEASE READ THIS AND DO NOT JUST SKIP OVER IT! Credit one is HORRIBLE. The card only works maybe 20% of the time. Customer Service is less than a joke. You won’t get any help when you call. They will say that every charge that you do is fraud. I was initially able to do regular everyday transactions. Then “suddenly” there was fraud on my account even though I got no calls/texts about it. I call and call and call but those who do speak English don’t help. They just say everything is fraud. I’m To the point now where I literally just have a card in my wallet taking up space. I can’t use it for anything. PLEASE PLEASE PLEASE DO NOT GET THIS CARD. Don’t be like me thinking “well none of this has ever happened to me before.” That’s exactly what I thought too and now look at me, stuck on stupid. And I want to just cancel the card but all of my money that I have left is on it.

Needed to reverify myself immediately after being accepted, sent the card and even activated. Wait no, send us MORE information on who you are. It was the worst by far experience I have ever had with any credit card company, I'm not sending my w2 after I've already been approved, just too much with this company.

Save time and problems. I would give you no stars but I have to give you the lowest score. They require you to submit ID documents but never get back to you in the time they tell you. According to them Visa requires it yet no other visa card I have required it. Then to upload documents only allows two megabytes. They are just awful.

The customer service at this company is horrible. I can’t WAIT to pay off this card so I can close it! All of the customer agents are non ** and have a hard time understanding English but act as if it’s your fault! I hung up 5 times because they were not able to understand how to spell my last name. Then one agent proceed to play as if he couldn’t understand because he noticed I was annoyed! This company needs to be shut DOWN then look at how many bad reviews they have. That is a shame of its own!

This company supposedly gave me an amount of credit and in less than 2 hours they started deducting fees and charges out of the credit. Then the credit was not given as they told me I qualified for. It’s almost half of of the limit they deducted and now I have to pay it without me spending the money. Nonsense company and ripoff. Then you call customer service and it’s in other countries and they lie about things. Nothing resolved. Just do not waste your time with this company. Credit One is not good. Nothing compared to Capital one.

I had this card for a bit and it was nothing but trouble and they don’t care if you have problems with your card, declined purchases, need verification of bank making payments from, etc. Got the information they requested and still not good enough they claimed they needed different info and customer service reps are extremely rude and speak very poor English to the point I have to ask what they say every single statement. Get Capital One, they are very helpful, courteous, and don’t act like they just hate you and everybody else too. I don’t understand how they allow companies like this to continue bad business like they do but learned my lesson the hard way. I would rather die and lose all I have than to have to deal with crooked people like credit one bank. They hate America and of course this part is my opinion but it sure seems that way to me!

This is the WORST COMPANY TO BANK WITH. No one speaks English. Everybody tells you a different thing, they will block your card without you knowing. Interest rates are sky high!! Wouldn’t RECOMMEND. 0/10.

I got this card in 2022 not knowing if I would be approved. There were some issues with this card as it took a very long time to come in the mail. When I notified Credit One of this issue, they sent my card the very next day first class mail. The other card came later and I just cut it up. Fast forward to Dec 2023. I was offered a credit increase. I accepted it only to be charged $14.95 for a credit increase. Then I opened a new card with them and unbeknown to me that I would be hit for an annual fee of $95.00!! I called them immediately and informed them that I wanted to reject the offer per the pricing summary and do not want to be charged any additional fees.

Nothing but the scam, don't open credit card with Credit One Bank. They fool people on undisclosed annual fees as well as interest on credit card balances. They advertise as interest free but get you once you commit. This business must be reported and closed. They don’t even have secure login information. I was unable to set up an autopay after the first statement was received. System shown an error and they redirect to their IT service. Fraud!!!

Use this credit card company. You will to regret it.

After about 3 months they suddenly locked my card and decided I needed to do a identity verification which I had just done when I opened the account then I sent all documents which they never reviewed and then they decided to close my account, I have been making all my payments on time also! I regret ever using them. I suggest looking elsewhere and staying away from Credit One!

This credit card company is the most absolute terrible company. They are scammers, that make fraudulent charges/fees at their discretion. They would send me a statement and text reminder one month for payment, then fail to send another statement or reminder for months which then causes late fees and charges that raises the balance due on your account over the credit limit. They then harass their customers by calling 100 times a day trying to collect even after their customer has told them to Cease and desist all calls to this number. I work in billing and collections and this is illegal! They must send a statement or payment reminder every month, not every 3-4 months after they have charged you with every late fee or other fee they can find in the book to make you owe them more than you do. I refuse to make any other payment on this account until they have fixed their mistake/scam.

I wish I could give negative stars. Reaching out for customer service is a complete nightmare. I had my wallet and my card stolen a few weeks ago and dealing with the fraudulent charges couldn't be more difficult with credit one. After 3 weeks they sent me an email saying that "You had requested to cancel your disputes." I never requested any of this. I have been trying to reach out to their customer service and in broken english they only respond with "you wish to cancel your disputes." I reply multiple times saying "no" and they say the connection is difficult and they hang up. Infuriating to say the least.

Called several times to make payment to satisfy the amount owed to close it. Just to find out it never closed. Call get 5 different totals. Wouldn't get this card if it was the death of me. Literally!!! Horrible customer service!!! Only deal with them if you want your credit score to drop!!

I had Credit One Bank credit card about around 7 years ago, never had any issues and in fact I paid off the card and closed the account to minimize the amount of cards I had. I left in great standing. I just recently decided to get another because I never had any problems that I recall...let me tell you. My credit card was mailed out the end of last month and the 13th of December (yesterday) made a full 10 business days waiting... no card. I'll rewind to what I dealt with leading to this day first off. 1 week ago, I check my account, no card yet, but I noticed my available credit had dropped way over the $39 dollar annual fee. They look into it and immediately was told that a transaction was applied to my account.

I was trying to build credit, as I had been told from a young age to avoid credit cards. Now that I need to get car and house loans, it has been a problem. I tried this alongside my credit union's credit card, and have had the worst time with this company. Very unpleasant emails, no assistance whatsoever, and when I pay diligently, and even extra, they drag their feet on withdrawing the money. You would figure a company so bent on obtaining their bottom dollar would want their money faster, but they do it in an attempt to rack up more fees due to 'your' negligence. You can pay $5 for them to accept your payment same-day, or chance your money being withdrawn for payment within 5-10 business days. If you pay on Thursday or later, the money has a good chance of not being withdrawn until the following Thursday, or later. Terrible experience, taught a good lesson to not give companies like this the benefit of the doubt. Please do not make my mistake!

I'm never late on a payment....I paid my card on time and my available credit is showing..Every single time I pay which btw I made 11 payments to Capital One in one month and because they have these foreigners that obviously don't understand how it works, every time I pay, my money is out of my account showing paid...They want to make me wait over a week to post available credit for me to use my card again even though I received an email showing my availability...I paid 12/10.... Today is the 13... I'm told my availability will be posted on the 19th....No. They don't work with you. Capital One always has and if I run into this problem they will go ahead and post it....

Most consumers are unaware that credit card companies offer Purchase Protection. It protects the customer from theft, fraud, damage, and loss of a purchase for up to 90 days after a purchase with a credit card. Since I worked for a major credit card company (a long time ago), I had some knowledge of it. However, each credit card company has their own policies as to how they handle purchase protection.

They never help you with nothing when you call in. NEVER!!!! I would call in and the agents are just non helpful. They have a very heavy accent and don't understand YOU. What's the point? If you not able to help why proceed with call? It just makes the customer really bothered.

Besides high interest rates, the customer service is horrible. Your account is constantly blocked and getting ahold of someone on the phone is an exercise in futility. This week, the automated phone system was down for a couple of days making it impossible to pay your bill if your online account is blocked. I had to go through 3 different departments to make the payment and finally close my accounts. If you are credit-challenged this may be your only option, but once it clears up find a better company to deal with as this place is a mess.

I applied on the 29th of November, input my bank information.. submitted the application, they said my application was pending. More information was needed. They would contact me in 7-10 business days with what to decide. I wake up to my account being short $200 so now my rent check is gonna bounce! I called them and had them cancel the application and told them they are scammers! I did not authorize you to debit my account without knowledge!

I only had this card for about 3 weeks before I closed it. This company is incredibly horrible. They will continously report you for a maxed out card you don't even have. The balance on my card is zero and They still reported it for having a large outstanding balance. Couldn't even use the card because they put a hold on it. It lowered my credit score over 20 pts. I had to dispute it through Credit Karma. You've been warned. Don't use this company if you're trying to raise your credit. I regret it.

I been paying on my Credit Card weekly. This company randomly just locks your card without notice because they say they have to verify a payment I made to make sure it's coming from my bank account. This is the most stupid reason to lock a card. I been paying it weekly so I can have a rental car to get back and forth to work. Now it's like I got to wait ten days for them to investigate a freaking payment to my account. After this I'm done with them. I been with them for years. It was all good at first, until these unexpected rules start applying.

I received the card in the mail, then activated it in October went on vacation and I had no credit and already owed them $60, called to ask why, they said they would fix it. This card has an annual fee, do not get a card that has an annual fee. Still never got fixed. I’ve had zero available credit the whole time I’ve had the card in my wallet. Now I just paid $150 so I could cancel my card that I have never used because I’ve never had a credit available on it to be able to use. So I just spent $150 for them to send me a piece of plastic to sit in my wallet. Do not recommend this company. Customer service no help. If you are going to get a credit card, definitely go through a company like Capital One or Mercury.

All payments I tried to make with Credit One except for 1 was declined, but credit one called demanding payment for all. So I asked them to send me a detailed brakedown sheet on all payments and all but 1 that was sent back to them was paid by other credit cards, I called them back and of course they are recording me so I turned the tables on them and recorded them with my android a14 phone built in feature! And after they tried to tell me I was double billed I told them I was recording them and they declined to speak. In the meantime I have all the evidence they are scamming me. They need to be shut down so what should I do next?

I called the corporate office and ask them to fix my credit reporting and it’s showing incorrect on my credit report but they refused and it’s showing my credit card has been open since October 2021 but the payment history for 2019-2021 is missing and Credit One Bank refused to update my credit report and ruined my credit report and charged me 5$ Monthly fee

Credit One is the worst company to build credit. They charge high interest rates and outrageous annual fee. Soon as I pay off my balance I‘m closing this card. It a total ripoff. By all means stay away from credit one bank credit card.

Don’t get this card! Open my online account to register one day and the very next day I had to charge an annual fee of $95 before I’ve even gotten my card in the mail. Spoke to the service representative and he stated I don’t use the card. It’ll be charged at the end of the year like a regular annual fee. A complete joke and fraud. Who charges an annual fee before the year is over. I can already see this card is going to be a mess so I do not plan to use it.

Closed credit card on me without having zero reason for it. I was never late, not one time! Messed up my credit when they abruptly closed the card as well. Credit score went down a whole 32 points, not cool. Especially because they had no reason and when I called, they couldn't do anything for me.

I had a credit card with this company for 3 months. Every step of the process to make a payment made me regret my choosing this company. It takes up to 5 days for them to pull the payment and about double for it post to the account. Then they called me at all hours of day and night even after the payments processed claiming it was not paid when I had proof it was. I called them to inquire why my balance was still negative and they closed my account without any notice. But welcomed me to apply again?

This credit card is one of the worst credit cards I have ever had. They charge random interest fees which that’s not how credit cards work. That is in your payment. When you make your payment they bill you for things you don’t sign up for. If you lose your card they charge you $25 for a new card which is outrageous. The yearly fee is astronomically high, it is the worst credit card you could ever sign up for. Never ever try for this credit card. Go to Capital One always!

This call center I dread every time I have to call, (this is not a one or two time occurrence literally over a span of at least 10 calls consistently getting the same thing) incompetent people who don't speak or understand English are tasked to help you. The same mundane questions are asked over and over again. If I wasn't in need of rebuilding credit, I would cancel this immediately. They are HORRIBLE. I asked to speak to someone else because the rep couldn't help me and she said you can call back and get someone. They are reading off a script and do not make sense, nor are trained to actually answer your questions or provide customer service or even a explanation of what they are saying because they do not even understand themselves!!. Altogether this company really sucks.

Credit One has decided to take the side of scammers in Mexico for a $113 charge on my card. Wants me to write a letter with documentation (Not sure what documentation I can provide on something I have no knowledge of). Canceling cards. I have been a good standing customer with Credit One. That ends today!

I was approved for a credit limit and while waiting for the card to come in the mail I did some more research and found a lot of disappointing information about this company. Once receiving the card I immediately cut the card up in small pieces and threw it away. A few weeks go by and I just received a bill in the mail for the annual rate. How are you going to send someone a bill when they haven't even activated the card much less used the card. So I call the customer service line and of course I get connected to someone that barely speaks English.

Pre approved for 2000$ limit, no annual fee but got a card with a 300$ limit with 100$ annual fee, called and said, "I don't want this card. It's not what I applied for and was approved for." Then they tried saying I owed them 100$. I guess for cancelling it? They kept trying to talk over me while I was pointing out there's no way I'm responsible for paying them the 100$. It was their mess up. Oh plus the hard inquiry on my credit! Feel like I'm getting punished for something bad they did.

I accepted an offer from this bank because it seemed to be an easy way to for me to build my credit. They increased my credit line quickly and I used it regularly and built up a balance but I also had a regular schedule for paying it off. A few weeks into paying it off, they started taking payments way later than I anticipated. It looked paid on my end but wasn't finalized until a day or two before my next payment. I had no idea they were getting bounced back until they closed my account. I called them about it and despite the fact that I was regularly paying my balance down and still paying despite not being able to use the card, they were unwilling to work with me. Every time I called I got people with accents who asked for tons of personal information too. I'm just gonna get rid of this card because Credit One is too sketchy.

I paid off my credit card $2500.00. This was paid off 10/28. I get a statement on 11/5 saying a balance of $49.50 for a charge on 10/8 for a Uber trip, which cost me $14.23 plus interest which was $41.17 plus fees of $8! The interest of 29.9 % should definitely be the first ⚠️ warning. Don’t use this card. It’s based out of Las Vegas and you could never understand customer service for the language barriers (which is stated to be the worst). Please take heed to this and warn anyone you know to avoid this institution.

Each time I have called in to customer service to get help getting back into my mobile app they have hung up on me. No tech service on the weekends when I have the most time to be on the phone because I work an 8 to 5 job and three toddlers to put the bed and give dinner when I get home. They don’t listen to you at all when you’re trying to explain that you’ve been through the process and keep getting hung up on and just wanna go to technical support.

I have been trying to get into my account for months. They keep telling me everything is good. It’s not. I’m trying to pay off my account so I can get out of this ** card and they keep charging me more.

I get the offer in the mail saying I pre-qualify for a $2,000 credit line. I apply and get approved....for $300. The paperwork that came with the approval for the Credit One Platinum card said there is no annual fee. This is the reason I accepted the offer. I make a purchase and when I check my statement online a week later, I see they charged me a $75 annual fee. Their website sucks and is hard to navigate.

This card worked well for me for a long while--until I needed to talk to a customer service agent. There are no customer service agents. Only automated and AI responses. No way to chat, email, or even phone. I am trying to dispute a charge for which I never received the item and I have written to their PO Box and gotten no response. I have been trying to resolve this since last March (Now Nov. 1). Infuriating!!!! Once this card is paid off, I will be cancelling BOTH of my Credit One cards. Check for good customer service before accepting any card offers.

So, I understand there were certain fees associated with opening this card. Unfortunately, when I tried to link it to my phone for easy access the process went from bad to worse. Card opening went easy, fast approval for an expensive alternative. My credit has taken a severe hit due to life, and this was only meant to be a quick fix. Set up failed when I tried to add the card to my phone. I was able to pay my bill and do a couple of charges. Once I paid it off in full, when I went to use my card, it had been locked out, by Credit One. They wanted additional banking information that they already had.

Credit One Bank offers you a card and upon activation you will already owe them 75.00 to use, you get a small credit limit then they hit you with a 75.00 charge at the get go what a crock of sh#t. Stay away from credit one bank.....

I called several times stating that I just moved and I sent in my light bill and my lease and manager told me to put in a message that my ID was not change due to the fact the timing of the info needed I'm a over the road truck driver and barely home to get my class a cell change so they keep giving me wrong info to get this issue fix from management to employees. One employee yell at me cause I was asking several questions to find out what the deal is. It’s now been over a month. I have my new card but can’t use it. This is the worst business I ever did with. They left me with a lot of pain and stress on this ordeal.

Worst card ever. They never give an increase no matter how well you use your card. Also I reported my card lost and they mailed me a new card before my card came in I saw a new charge account which was wierd because my card should have been locked. Well I got my new card in and it was the EXACT SAME NUMBERS. Including the same CVV and expiration date. There was absolutely no fraud prevention measures there. I do not recommend.

Ridiculous high fees to start. Try to pay online, nope system has issues. Pay by phone, nope can't get thru. They do their best to make it difficult to make a payment, then charge you astronomical fees when you're unsuccessful in your attempts to pay your bill. Stay away.

I used to like Credit One and was a customer with them for almost 10 years. Went through a recent DV situation and had to file a BK. Accounts with them were paid off and in good standing prior. After the BK they approved another card with a fee and a lower credit limit, fine, but they wanted me to physically mail them personal documents for "security of my account" when I provided all the information over the phone and said I had no issue uploading online or emailing in but sending through the mail would be unacceptable as I would have to pay postage and make copies and go to a post office and what if it’s lost and now someone has copies of my ID and other personal information.

I have had this credit card for years and make on time payments and most payments were made in full. Only received a $350 increase. I also used my credit protection I've paid for since 2021, due to being on FLMA because of heart surgery and in turn they closed my account and reported it closed. They said so I can't use my card that the indurance was paying on but I paid for this service that went unused over 2 years. They also charged my account two $30 dollar late fees when the payment before activating my credit protection was on time and so was the payment made by credit protection.

Do not use Credit One Bank credit card. They are the worst. They do not know how to process payments. You make a payment on that day they're supposed to take out the money from your account. They don't do that. They wait till whenever they feel like it and they take it out whatever they want to. You may have the money in your account at the time when you make the payment but by the time you get the payment process you know I'll have that money in your account because you thought you had already paid it but for some reason they say they can't. They can't do nothing about it. They are the worst. Do not use their Bank. Do not use your credit card at all. The worst.

I opened this card to help rebuild my credit. I opened it with a modest $200 limit, which is exactly what I wanted at the time. After 6 months they doubled my credit limit without my asking, which I didn’t want. I went with it for a while, but am starting a new occupation and didn’t want to have a lot of credit card debt. Between service fees and interest rates, the card was maxed out before I knew it. I had made my payments on time every month, but after this, I started getting threatening texts and emails about my bill, being over the limit and overdue. Their app does not work at all, if you are not connected to Wi-Fi. So, if you are a paperless customer like I am and are having problems with your Wi-Fi, you are literally unable to pay your bill. I called customer service about this problem several times, and they are of no help.

I only wanted the AMEX card to build my credit... Now it will go down, because Capital One Bank is incompetent. I linked 3 bank accts and Verified them with Microdeposits. Cash App and Credit Karma payments evidently are not recognized, even After verifying. Paid down 300 on my bill out of Credit Karma spend account. Payment not recognized. Shut off my card. Told them to shove it up their **, after calling 3 times and writing 3 times with screenshots of the payment in Question. I had just moved like all my bills to the Amex card too. I am a War Vet. This country has gone straight to hell. ** the credit system. Cash is King.

I’ve been a customer with them since 2019 and finally closed my account today. Their automated systems harass you constantly, they have terrible customer service, in four years I never received a credit increase, my card and my account were locked multiple times for fraudulent activity. For some this might be their only option, if you have other options, take them.

My bank rejected the auto payment twice in a year. 5 minutes after I received the notification I paid the 4 dollars fee to make payment. I have never been late on a payment. I paid full balance every month so I didn't get interest charge. They closed my account because of the 2 rejected auto pay payments which was paid 5 minutes after.

They have been charging me every month for payments being returned. And then late fees and over-limit fees on top of that. And the payment actually went through. I was hung up on yesterday with an agent and a so-called supervisor to try and get this resolved. I'm cancelling this card ASAP.

Poor for building my credit; All my other cards gave credit limit increases. Credit One Bank card... nothing for 3 years. Some of the other cards gave $1000 to $5000 limits like Surge and Fortiva apply for those two... NOT Credit One Bank. Really awful!

It started as a great card. However, after receiving a line increase and a new card. That's when things took a turn when I tried to pay my bill. I couldn't see my information via the application. I called. That's when the rep advised SOMEONE called and said I was deceased. Mind you no one is on my card but I and they never called, texted, or emailed to see if the information was true. I've sent in the required documents 3 times and the latest information will arrive today. I feel this company should be investigated and I feel there are some inside shady practices. I will continue to pay my bill on time until it's at a zero balance and close the account.

I have had this card less than 4 months and every time I make a payment to pay my card down. I always receive a message two days later that the payment hasn't gone through. Now they call and say that I either make a payment over the phone or my card will be cancelled out.

I paid 482 dollars and 6 hours later couldn't use the card. It was declined every time I use it. I use Express to get the funds on the card right then and there. Didn't work. Call the 1800 number three or four times. They try to reset my card. Didn't work so the 5 time they said I had to wait 5 to 7 business days to use the card. Sad. Please don't get this credit card. Run. My mom paid her bill on the 6 of October. She still can't use her card either. So sad. Am paying this card off and shutting it off. Sad trash.

What a joke this place is. In the last 3 months I've had more problems and issues with this credit company than ever before. I've closed 2 accounts and will be closing the 3rd account. No one has any answers, they repeat themselves over and over only read from a script. They are zero help. I can not understand half of what they are saying. Unexplainable charges, taking a week to process payments and available balances. I hate working with these people/company, it makes my blood boil by the time I'm off the phone with this company. Unacceptable how they handle business. If I could give zero stars I would.

I received a pre- approval when I first began working to build my credit. Knowing it had a $300.00 limit and very high interest, I decided to accept the card offer but would only use it if I knew that I could pay the balance in full, on time every month. I received the card in the mail and activated it. I created an online account to monitor my transactions. I didn't use the card for three weeks. I decided to use it for a $33.00 purchase at my local Dollar General. When I attempted the transaction the cashier gave me the strangest look and whispered "it says it’s declined due to suspected fraud!" I was horrified. I cannot describe the embarrassment I felt other than it was likely the most embarrassing moment I had experienced in over a decade. Until 5 seconds later when I realized that I hadn't brought my wallet and that was the only form of payment I had with me. That's right!

Let's start at the beginning (and I apologize if this is long). Around 4 months ago, I was on my Credit One app. I already had a card with a 3k limit. To my surprise, I was offered an American Express Card with them with an 800 limit. We were in the middle of a move, a hurricane, and a new job so I put it off. Several months went by and I was checking a transaction and remembered I still had an approved card waiting to be activated. I called the back of the number to have it activated and the process was smooth. They would send out a card in 7-10 business days. Life kept moving on and I forgot about the card.

Be absolutely careful with this people. I do not recommend this product at all. My card is expired long time ago (more than 3 years), I asked them not to send a new one, but they are charging maintenance fee (for a card I cannot use since it is expired). Now they say I have a non expired card, can you believe it? They just want to take your money. It is the only card I have with that TERRIBLE service and actions.

I previously really liked this bank. Not anymore. I do not like their website AT ALL. It is extremely difficult to sign in to view or pay your account. You have to try multiple times a day because on most days, the website signs you in and then automatically signs you back out. It makes it really difficult to pay your bill on time or monitor your account. I would close my account, but then it would reflect negatively on my credit report. If you do not mind the hassle of not being able to see your account information when you want to, then this is the bank for you.

The customer service is terrible. I received the card a few months ago, used a few hundred dollars for a vacation purchase. I submitted a $200 payment shortly after the purchase. The payment cleared, no issue. Then I receive a letter from them stating that they put a hold on the account because they needed to verify the account. Ummmm what?? Didn’t you just accept and process my payment. Ok. So I call them, and they explain this ridiculous policy. They need a bank statement with my name on it, the charge, routing number, etc.

This is the worst experience I have ever had with a credit card. They will sue you over the smallest amount possible and then tack on court fees. NEVER use this bank or credit card. Both my wife and I were sued by Credit One over less than $500. After it was all said and done, it ended up being $2,000 in fees and court costs. It shows that they care little to none about the actual customer and just about what they can squeeze out of customers. On top of that, their rates are outrageous. I would rather go homeless than deal with this bank and credit card.

I obtained this card years ago in an attempt to re-establish my credit. My checking account was hacked and received a new account number. I mistakenly paid my bill using this account instead of my main account. Called customer service immediately after and they informed me they could not stop the payment. I was hit with a late fee and when I called back after I made another payment from the correct account I was told nothing could be done. The rep attempted to talk over me and rush me. I interrupted him because he never gave me a chance to explain why I was calling initially.

Asked that they cancel a card that hasn't been used by me. No charges are on this card and rather than shut it down they are giving me a run around. Simple no charges on it. Cancel it. Seeing charges but no purchased material. This is a ripoff. Sad.

If your payment falls on the weekend. You will be charged for a late fee. Most of the time the website is slow to upload and the App is even worse. It the hard company to pay when it's due. I believe they make they way to squander more money from their customers. I paid on my due date Sunday, on Monday they charged me for late fee even though they sent confirmation of payment on Sunday. This is a double jeopardy company.

This company and their credit cards are atrocious! Their customer service is abysmal and you will be routed overseas during normal American business hours. From there you will also be constantly interrupted, talked over, and ultimately have your issue dismissed either due to ignorance on the rep's side (I blame training, not their lack of effort, my issue is not with the overseas people just trying to do a job), or in their limited amount of knowledge on things like, say, I don't know, rightfully disputing a charge. Their app is inferior for uploading dispute evidence, not even screenshots were able to be uploaded and finding an actual email address to send said evidence was another uphill battle.

I am a 100% service connected veteran and was approved for a credit card limit of $300. Understandable, I am rebuilding my credit. I was told I had to submit my driver license, a utility bill and my w-2. W-2? Anyway, I informed them I was disabled by the Department of Veterans Affairs and informed them I do not file taxes but I wouldn't mind sending a copy of my disability award letter. I was told by a phone representative, as well as his supervisor that I also needed to send in a letter explaining as to why I was disabled. Excuse me. I don't think so. I asked to speak to an American representative since I was speaking to a call center in a different country. Which I have no problem with, but they were very disrespectful. I wonder if I'll even get a call back from Credit One Bank. FYI, even though I DO NOT have their card, I already received a $75 bill statement from them.

One of the worst credit card companies! Stay away from them. They will issue a card, and you will never receive it, but here is the kicker! There will be fraudulent charges made to the account, they will send you a text alerting you of the suspicious activity, and you will do the right thing and notify them in minutes that you never received the card or made these fraudulent charges. They will issue a new card and then TRANSFER ALL THE FRAUDULENT CHARGES ON THE NEW CARD and when you try to dispute them, they will say you made those charges because we mailed you the bill statement. You will go in circles trying to resolve this, and good luck communicating with unqualified customer representatives who are like bots reading from a teleprompter. You will probably not even understand 80% of what they are saying, it's all in Jembrish's language.. The absolutely worst company I have dealt with in my entire life!

Spoke with some horrible customers service. First gave me wrong information and then they closed the account. Try to reinstate again customer service lied. Did me a favor. I applied for different credit card better. Do not apply for this. They will cause fraud in your bank.

On 9/19/23 I attempted to use my Credit One credit card. The transaction was declined, and I was unclear as to why, as the payments were up-to-date and there was credit available. I checked my account online and discovered that there was a charge of $83.65 at grocery store in Hampton, VA on 9/7/23. I called Credit One support to dispute this charge, as I live in California and have never been to Virginia. When I spoke with support, I was told that my card was declined due to possible fraudulent use. I was advised that they would open a dispute claim and ordered another card.

Worst company, staff was okay, could have done better. I was using my account then they said they needed more information so they locked me out of my account. I can't get on check my statement. Do not recommend this card. It has been one headache after another, I am going to pay it off and close it I should have read the reviews first.

Please run, if you think this is the only company that will give you credit card you're wrong I promise. They are terrible. I reported them to The BBB and filed a formal complaint. They have terrible customer service. They treat their customers with no respect, my card was always locked. Please do not apply.

RUN!!!! This company handles business VERY shady. I attempted to set up a payment method after receiving my card. I decided to do that because I knew there’s no way in hell I was going to pay a Rep $4.95 for taking my payment over the phone. I finally used the card after about six weeks. I wanted to make the payment and since I thought I had set up the payment method, I paid. I didn’t not realize that the attempt failed. I tried again and it failed again. I tried a third time and yes, it failed. I realized that it was the payment method, made the correction, and FINALLY made the payment. I have made payments every other week since then. That didn’t matter because Credit One closed the card because I had three return payments. It was return payments.

Credit One Bank has the worst customer service in history. They are foreign. You do not understand anything that they are saying and they repeat the same thing over and over again. I recently had a name change through the court. I sent the proper documentation in to Credit One. They told me that my name was too long to put on the card. So they ignored me and the court and would not change it. As soon as I pay the remaining balance off I am going to shred this card and never ever use this card again. I recommend you not get involved in this company. Once again the customer service is horrible.

I have not one, but 2 cards with Credit One. Out of the blue, and without notifying me, they closed my AmEx account, leaving my Visa account open. Talk about an embarrassment trying to use my card!!! I'll be closing my other card.

Twice I've gotten this card in a few years and they have dropped me because of excessive payments and saying 2 was returned yet it shows on their app it went through and my bank account paid the annual dues and all just to cancel on you. 1st time 9 hrs away from home no money and needed gas they cancel my card. The second I made a payment always before due and cancel me again. Screw this company. Please I know reviews can be 2 sided a lot but don't use this company. They are predatory lenders.

I applied for this card thinking it would be a good opportunity to build my credit. Instead they charged my account $75 the first month it was opened which is pretty steep. A few months later I had missed one payment by one day and they processed to call me 9+ times a day everyday. I found it to be intentionally irritating on their part. I also work night shift so it was disruptive to my sleep and work performance. I will never do or recommend anyone do business with them.

I've been in the process of paying my cards down. Never had an issue with this card at all. Went to use my card at work for it to be declined even though it had a balance of $300 in available credit and I was only spending $10.00. Well when looking I notice this card expired 6/23. Here it is 8/23. So I call on 8/15 and request a new card because I never received one. Make a payment on 8/24/23. Get notification saying my payment posted on 8/26/23. I log in to see what is available and what's left to pay, notice 2 charges on the account from a town 30+ minutes away. I call and report the fraud.

They tried to force me to pay for fraudulent charges even after they knew my card had been compromised. All the evidence showed fraudulent. They said they had evidence but couldn’t produce it. No resolution. Had to cancel card, stop all payments and take credit hit.

For no reason, a security hold was placed on my card. I've tried to verify my ID using my DL and an IRS bill. My bill goes to my office, so I have no utilities there. They refuse to accept it. I get too frustrated trying to deal with their international based call centers. The people are unhelpful and rude. I've never been late. I pay my card early every month. I finally just paid it off (early again) and told the close it. I just don't want it out there. I'll go get a different card this week. One with less aggressive people in call centers where culture is not an obstacle.

Very bad experience. They should not be allowed to do business. Stay away from them. It is a fraud. I paid off my balance and closed my account but they are still charging me additional fees even my account is paid off and closed

I closed my account, because they refused to change my last name after a marriage. I closed my account in June 2023. Here we are 3 months later and I am still being charged. I called and closed account again and paid the $2.23 on account. A month later this amount went up to $3.05 and adding interest by the day. I did receive a check for a little over $2.00 because of overpayment. I utterly confused, as to how they can charge more money on a closed/paid account. Customer service is the worst I have had to deal with in my 30 years of adulthood. I do not recommend this predatory credit card company. Please do not open an account. They are thieves. I can't seem to rate a "0". That is my true rating. They don't deserve a "1".

ATTENTION PEOPLE OF COLOR AND ALL WHO IDENTIFY AS HUMAN!!! This is the worst credit card company ever in the world and I think they are only here to pray on the poor and have not and to put ** people and people of color in way more of a disadvantage than they can find themself in. How can a bank not want to take your payment because you paid too many time in one month, and now they need to know how you get your money and need a full bank statement as if every ** person is selling drugs. It was not until I asked to closed this account and to make the final payment they were able to accept the payment. FYI They did not want me to pay that way because it lowers the interest and keep your balance low which helps MY credit. If you're ** or of ** decent or identify human do not bank with this fake ** knock off of Capital One and just go to Capital One.

Worst experience of any card I’ve ever held. I got billed $75 for the annual fee before I even got the card. Every time I used it my purchase got declined. Then I’d have to sit on the phone with someone in India while they attempt to “activate” my card all over again. How many times does a card need to be activated?! Incredibly frustrating. The balance was never correct and when I call it never adds up. They also verify you asking your name several times so you’re just stuck repeating yourself over and over. This company is a joke. I had to ask them if they were stupid or something which is completely out of my element. 0/10 Wouldn’t recommend.

I didn't receive my first card, so I called them. They told me that I could still use that line of credit with the card #, and that they could activate it on their end. So they did, except they wouldn't give me my card #. Ok... So I wait for my second card to arrive 3 weeks later. When I get it, I can't even use it because they've already started charging me fees and I was overdue on paying them. When I explained that I was lied to about being able to use the first card, they said I was lying, even though I had never used my card. They refused to push back the due date of my bill. Literal interest/fee farmers. STAY AWAY.

Opened a new card with Credit One with a 500-dollar limit. They charged a 95-dollar fee and IMMEDIATELY locked the card. I’ve been on call with them 14 times trying to get the card off the security hold. They keep telling me it’s “for my protection”. I was left stranded in my car in 100-degree heat because of the card being declined. Every call is a loop of how the card is fine and there’s no reason for it to be declined- as there’s 15 declines. “Oh just do a in-person transaction it’s only blocking online”, “Sign up for real time notifications”, “Wait 24 hours” I’ve done it ALL. They told me there’s nothing they can do and to just “not use the card”. 95-dollar fee to not use the card.

I have never missed a payment and my account was in perfect standing. Until last month. Made my payment using a debit card we rarely use. My husband thought it was fraud and closed that card.. which kicked back my payment. I immediately corrected it with our bank and resubmitted my payment using my usual debit card. Credit One immediately closed my account and are sending it to the credit bureau as closed by creditor effective Sept 1... thus destroying my credit. I have been fighting them for weeks to fix this. I have spoken with multiple reps and supervisors. I was asked to upload a letter stating what happened with a request not to close my account, and a letter (payment verification form) from my bank stating my debit card was reissued and I am in good standing with the bank.

I purchase a card with this bank, I submit all the documents they ask me but they still put a block on the card. After I they received the payment fees the bank closes the account with negative balance even I don’t use the card and pay the money… don’t trust this bank.

I would not recommend this company to anyone. No way to reach a representative of this co. on the telephone. I will tell everyone I know and broadcast on the internet. These people do not deserve to be in business!

If I could leave 0 stars, that is what is deserved. I applied for a credit card, was approved and the card was mailed to me. The annual fee was charged and I paid it. No big deal. I tried using the card and it declined. I called customer service and they said I needed to provide additional documentation. Ok, so I did. Still card declined. Called a second time and they are requesting more documents. Really??? So not only can I not use the card, they want to keep my $75 annual fee!! This is a total scam!

There’s of annual fees hidden in this card when you get it you don’t notice it right away. If you’re a day late with your payment, even if you call them to reconcile, you will be hit with the credit bureaus notification and drive your credit score. The interest rates are high. The rewards are so low. It’s not even worth it.

For the ones stating this is a great card and giving it 5 stars because they offered them a card when no one else would, I highly suggest waiting until you can get your score up enough to get a different credit card. I’ve had the card since I was 18 and when I was 21 I tried to cancel. The representative I spoke with did not know English very well, and then his supervisor got on the phone. They offered me a higher credit line, less interest, anything to keep me. I said no and went through with the cancel.

Beware of this company. Go to Capital One. This Credit One Bank is a joke. They offer cards but then won't release the card until you give them documenting like a electric bill? Your driver's license? And W2 form? All personal information that SHOULD NOT BE uploaded or sent in the mail. Stupid assessment. Why did you offer and send me the card in the first place if I wasn't good for it? I have over 700 credit score and I already have a card with Credit one bank. But they wanna offer me these additional cards but want more information? No thank you. You are the worst credit card companies to deal with besides First Premier Bank. Yep I'll deal with Capitol One bank from now on and Discover. Repeat: stay away from Credit one Bank!!!!

Ok so after going through a marriage where he wiped out bank account to a negative balance, and other financial misdeeds, it has been a struggle to rebuild financially. So I was excited I got approved here; alas the pain was just beginning. I discovered, after calling to find out where the card was, FIVE CALLS later I had been told to upload my details to their website. I was ok with all they asked except sending pics of my Social Security card, which is just an invitation for bad people to use it to commit identity theft, or access anything attached to it, say my disability check one big thing that comes to mind! I was absolutely incensed and wrote out a complaint to the government regulatory agency overseeing this bank.

3 stars because the cards help with my credit. I had 2 credit cards through Credit One Bank for 6 years. Good to rebuild credit. I started out with a $300 limit plus almost $100 yearly fee (broken down into monthly installments). I have canceled both. After six years of early payments, NO late payments my credit limits were $1750 & $2500. I HAD to pay to have my credit limits raised. I have 6 other credit cards with NO ANNUAL fees nor am I charged to raise my limits. I just had one raise my limit by $3000. So I don't understand why Credit One charges all those fees. When I called to cancel they offered me 6 months of no account fees ($5 a month) and $30 credit on my card. I guess they really don't care about their customers.

Credit One Bank is illegally reporting a 30 days late payment when I have provided a bank statement showing successful payment was made. I want to formally report them to all bureaus as it refuses to correct it!!! I have tried countless times at filing disputes to no avail. They just say it's being reported correctly and they will not remove the bogus late payment on my credit report. I am being forced to close my account to make the late payment go away. I just wish they could do the right thing and lift a finger and delete the inaccurate late payment. At this point I definitely would say stay away from this company at all costs.

This company is NOT for their customers. They will ruin your credit and they charge you SO MUCH. This card is a nightmare - PREDATORY!!! This was the ONLY credit card co out of all of my cards, that would not help me in any way after I became unemployed. Prior to becoming unemployed I paid on time, every time. I called to see if they would assist with putting me on a payment plan or SOMETHING, not that I wouldn't pay but I just needed help. I called all of my other cards and they were wonderful and assisted me with making my payments without falling behind or harming my credit... But CREDIT ONE IS FROM HELL. They gave me the runaround, they were UNBENDING and although I explained what was going on, they seemed to not care at all.

These people have been harassing me for 3 years constantly. Calling my job & my cell phone every day all day. I block the number and they’ll call from another number. I’m not understanding how they’re still in business. They should’ve been shut down for fraud “ripping" people out of their money.

I had a Credit One Bank Credit Card. I paid the card off in September 2021. In fact Credit One continued to make offers about increasing my credit limit. Starting in October 2021 I have been charged an $8.42 Monthly fee. Further, I went to use the card and was told my card was frozen, HUHHH. Today I was reviewing my credit report I saw that I was still being charged the amount of $8.42 but could not utilize or activate the card I have on hand. I called customer service and was told the $8.42 was for maintaining the account, and reporting to the credit bureau. WHAT!

Strongly discourage any interaction with this company. My experience with them has been an absolute nightmare. I applied for a credit card on June 15th, and since then, it has been nothing but a series of broken promises and incompetence. Despite calling them every week in July, their customer service was appalling. Each time, I was fed with empty excuses like the card being expedited or rush delivery, but the reality was far from it. On July 5th, I reported that I never received the card, and they assured me a new one would be sent out. However, that only led to more frustration when I called them again on July 12th and found out the card still hadn't been dispatched. The operator claimed there was an issue and that they would rush deliver it, but even then, the card failed to show up within the promised time frame.

On June 19, 2023, at 2:46 PM CST I was at my work located in Richardson, Texas when I received two text messages from Credit One Bank alerting me to two purchases in two separate locations, Clique in Queens, NY and Foot Locker in Elmhurst, NY, that were declined because the card was over its limit. I logged into my Credit One account ending in ** and discovered there were two unauthorized purchases on my account. These purchases were for $119.76 at Champs Elmhurst, NY and $141.54 Asphalt Store in Elmhurst, both on June 19, 2023.

This Bank is the absolute worst! Stay Away! They commit fraud on the consumer. I applied for their credit card. I was approved and they mailed me my card. They didn't open the card. They immediately blocked and put a hold on the card when I tried to create my account online. The bank claimed they needed more ID to identify my identity. They claimed they needed my DVM license, Utility Bill and a pay stub. I told them I didn't have a pay stub since I own my own company. Therefore they said I could send a 1099, which I did. They said this wasn't good enough since it didn't match my name. Yet it did match my last name and home address. I told them I still didn't have a W2 but I did have any old one. So they said to send that which I did the next day.

They started charging me fees before they could even get the card to me! I got the card to build my credit but it did the opposite. Customer service is incompetent to say the least. And they charge $30 fee every time you turn around. Just say no and save yourself the headache!

This bank has put multiple fraud charges on accounts and will not correct it bc I'm sure it's them or them benefitting from it. I called over and over again, was transferred multiple times. I think I woke one guy up. They will send your account to collections on your credit report and report the wrong year and balance owed, doubled. Account balance and charges don't add up either, by hundreds! Don't waste your time w/ this so called "bank".

I have Credit One Bank card. My payment was due on the 28th so I paid it on the 28th. They charge me a $30 late fee because they said I did not pay it before 5 o'clock PM, I paid a early payment on July 3rd of 130.00. My payments are only 30.00. They said it didn't count for July because the billing cycle starts after the 5th of July and that I would still owe July 28th payments. The first time they got me was I thought my payments were due on the 29th of each month so they got me for a late fee of 30.00 for that too.... This company is a big rip off and scam. They need to be investigated..How can they do this to people and get away with it....Why hasn't the better BUSINESS BUREAU GOT INVOLVED YET.. Because if you cancel this card it will mess up your credit score. This is not fair to the consumer.. Please somebody help with this scamming company. They need to be stopped and sued. They have ripped millions of people off...

I got approved for a credit card back in April of 2023. They mailed the card to the wrong address five times! Every time I call to let them know that I have not received the card, they swear that they will be mailing the card out expeditiously. I called them again on 7/10/23 to close out the account since I've never received a card, and of course they swear they will be sending the card out via priority mail. I was told that 4 cards ago! Each time I call to let them know I haven't received the card, they issue a new card number.

Annual fee nowhere in the application, 5% cash back on gas and groceries is a lie! Total rip-off!!! Walmart is not part of the 5% "all grocery stores" nor gas 5%, only the once qualified!! Total rip-off!!

Credit One relies upon the goodwill of Capital One by copying their logo & similar name. Their pre approval is scam. They hide many fees until you submit an application. When you are approved they send you a card but place a hold on your account. They then require you to upload a copy of your DL, utility bill & a copy of your SS card! Requiring such sensitive documents is ridiculous. Even when you do, they will still refuse to release the hold on your account. In the meantime you will notice they have charged you $7.99 to send you the card & an annual fee charge of $75 while you can still not use the card. Customer Service is handled in India & good luck with solving any issue. This bank is a scam & suggest you go somewhere else because they will inquire about your credit. Their reputation of a shady lender to subprime customers will not help your credit.

Do not accept this offer. $75 for a $300 credit line. Also, their online presence is severely disorganized. I dont understand how a company could offer such bad service. There is a reason it has a 3.5 star rating.

I recently lost my Credit One card and I called customer service to request a new card and was advised that a replacement card would cost 25 dollars to replace, I never in all my years of doing business with banks have been asked to pay a 25 dollar fee to replace a lost credit card.

Just opened account for this card. Charged the $95 annual fee. Payment due on 6/27/2023. Paid in full the $95 on 6/23/2023. Today receive notification statement is ready. I log in on the APP to view. My balance is $.96. Call customer service and they cannot for certain tell me what this charge is for only that they believe it to be interest. WHAT?! I'm being charged interest on a balance that was paid 4 days prior to the due date. I have to wait 24 hours for them to be able to see the actual charge. Right out of the gate this is company appears to be fraudulent.

I have had a secured credit card with Credit One bank for almost 2 years now. I sent them my money which they took electronically from my bank. I only had to have good credit for 18 months with them and they were supposed to refund my deposit and roll my account into an unsecured credit card. After 18 months of auto pay and perfect credit history with them I was told that I had to wait 2 years to get my security money back. My balance was paid in full every month for 22 months and in the meantime I received several unsecured credit cards with much higher limits.

I received the card and was faithfully paying the card off in full. I received a notice that they needed a bank verification letter. I called them and was told to go into my bank account and send them proof of payment. I sent them proof of payment. No one ever called to say I needed more. I call again. They say the bank has to send a letter that a payment made was from my account. The bank then sends them a letter. Still my account stayed suspended. I called again and was told that I needed to upload a bank proof verification letter that a payment I made in full was my account. I faithfully paid the card in full monthly. I thought this was a good thing. I paid off the card. I tried to apply again just to see what it said. I'm furious that they faithfully took my payments from my bank account and closed my account stating suspicious activity. Why are you accepting payments from my account. The very one you claim isn't mine. You would think it's 30,000 but it was only 300. Closing an account on someone who is faithfully paying is absurd.

Between Nov 9th and Nov 19th 2022 persons unknown used my Credit One visa card to make 11 transactions for confectionery from 7 different vendors online.

AVOID.... AVOID....AVOID. This is the worst credit card I have ever had. I've been with them for several years. On May 8th, 2023 I called to report my card missing. I was told it should be there for 7-10 days. In The middle of May, I called to speak with a supervisor, she informed me that due to a security reason, my card wasn't sent out but now it's all taken care of. She couldn't tell me the security reason, but she did say it was all taken care of and I should receive a card in 7-10 days. On 06/09/2023, I placed another call to inform them I still haven't received my card, this young lady apologize and stated she will have it expedited in 3 days. On 06/20/2023, I placed another call, the gentleman tells me it wasn't sent out until 06/15/2023, I should receive it by next week. Yes, I have been making payments, actually overpaying them. So I can excuse myself from this company. Seriously how long does it take to mail a card?

I am rating them one star because they are full of donkey dust! The fact that they provided me with a credit card based on my credit is all good but means nothing if it is causing me more harm than good. In 2015, I applied for their card. I signed up for coverage that protects you if you cannot pay, i.e., job loss, medical issues... I lost my job about two months after receiving the card. I made payments to the card. FYI - I believe the cost for the coverage was $1.00 in addition to your monthly income.

The website or app wouldn't let me set up auto pay. I could pay a 5$ fee and make my first payment. took me hours to try and set it up so I call the number. Couldn't understand a word they where saying. When I tried to talk they talked over me.

Card shows that I have plenty left to charge but whenever I tried to use it ...blocked. I called them and was told it was on a block because I made a payment. You heard that right...I was blocked because I made a payment them deemed "too large"..It was a little north of $400. Most ridiculous thing I've ever experienced. I closed my account.

Credit One is a SCAM, again Credit One is a SCAM. I had a credit card with them and paid for insurance in case I lost my job or disability. I called and reported to them I’m not working, I was told we look into and they sold it to LVN Funding. Now the company is suing me. They will sell your information to other companies

I’ve had my card over a year. Just paid it off and all payments on time. Now they suddenly need proof of identity and shut my card down? My daughter had the same to happen as well. Submitted it in info online on May 10. Still no resolution on my account. I’ll be closing this account!!