Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Scam! They will double charge fees and argue with you, say they will fix it and don't, not report for months you've paid, I have an entire month missing from my payment history, ridiculous, I've made higher payments than the minimum on time every month and get double charged, they increase the fees and annual fees with notifying you, they double charge, it's hard to get in touch with a live person, the ones you do get are obviously coached to twist things around and not do anything, I reported them to BBB.

DO NOT DO IT!!!! Bad, bad, bad company!!!! If I could do 0 I would. They keep putting things on my credit. While I’m still making my payments. They sold my account saying I didn’t make payments when I just paid them $60 in the beginning of June. My bill isn’t due til the 24th every month. Saying I’m not paying. And my credit has dropped almost 125 points because of their little “remarks” they keep putting.

Worst service ever, poorest Customer service, No protection that you expect, and very bitter experience could be what you get from Credit One! I have several Bank Accounts with different organizations and I regret my time using CreditOne credit card.

I have had these cards for several years, I now have a 750 credit score and they are trying to charge me $9.99 for a measly $200 credit increase and also a yearly fee like the over 33% interest isn’t enough. Can’t wait to pay them off and throw them in the trash.

They kept locking my account even after I verified purchase attempts via SMS. You have to report your card stolen just to be able to talk to a live agent and don't expect to be able to communicate very well. A helpful hint is to ask to speak to someone in the United States. They also reported a high credit usage for the month and late payment due to their error. I was hoping to keep this card as one of my longest lines of credit but it's way too much hassle and will hurt your score.

These people will blow your phone up 20 times a day 3 days before your payment is due, it’s unbelievable. I asked her why they have been calling and that it clearly says the payment is due on the 12th and it’s the 9th. They have not stop calling my phone.

Worst customer support. Worst customer relationship. They closed my card without my permission. The call center in India and it is hard to understand them. Customer representatives give you an attitude as if you owe them something. Had two cards with them. Closed both. Also, if you have a negative balance on your card, you need to call them every single day until you get your money back. The communication is the worst.

I had Credit One bank for 7 years. Never a late payment. Not 1 late payment in 7 years. I had closed a bank account and accidentally paid with the closed account instead of my new account. I immediately caught the error and paid with my new account. They closed my account due to the returned payment. I am in the middle of purchasing a home and it is crucial to have no changes to my credit. When I called to ask them why they closed my account without even some type of notification they said it was due to the returned payment.

They are not understanding, if I am a day late, they will charge me. I am on SSI and I get early pay day, I can pay it 2 days after my due date, but no! They just want their money! No grace period, nothing!

I will never consider them when I get back on my feet. Explaining what is going on and oh well. No empathy. We all go through hardships and telling them anything is a waste of time money money. People would be more open to keeping you when going through rough times if you care.

This is the worst app I have ever used. You people need to do something to make this app better. I literally hate having to use this app. I can't wait till I pay this off so I won't have to use it ever again!!!!

Fraudulent, disruptive and dishonorable practices will leave you speechless. Once you pay your bill in full, they will begin to stop the card, question funds received to pay your bill, and demand personal bank statements and other documents to be sent in for their review, only to claim they never received them. If you have had a similar experience I urge you to file a complaint with the Comptroller of the Currency and your state attorney general's office. These guys have to be put out of business.

I have made payments on time and when I am late I will pay the interest owed but I am unable to pay this off nor increase my limit. When I pay at least $90 towards my account I am unable to login to see if the interest is paid. This company is not functioning properly.

Worst company I have ever dealt with. They’re thieves. Hidden fees and will charge you ridiculous amount of money. They charged me 100 as soon as I opened my account without warning and when I called to cancel. They did and kept charging me. I used $20 and now I owe this thieves over 300. Do not open an account with these thieves.

I have had my Credit One account since March of 2024. I have made every payment on time, even multiple payments a month. I prefer to use my credit card for daily purchases just in case of fraud, that way my bank account doesn't get affected. I made an express payment through their app and apparently the app changed the payment type without my permission. Well I made the payment so that I can use my credit card this weekend while I am away on vacation so I don't have to risk my bank account.

Worst decision I've ever made, I missed a digit of my routing number by mistake, called customer service to see why the payment was returned, tried to process the payment over the phone, and they closed my account. Really the worst bank and customer service ever.

I pay my bill off monthly with Credit One. With that they can not make money. I made an express payment the other day and happened to check the status today and they never sent it through. I almost was late because of it. Also I see a lawsuit over their express payment fee and they are still charging it to customers. It was $ 5.95 now $7.95.

BUYER BEWARE - I got a $300 limit card, unsecured. I used it for some groceries, with the intent on paying it off at the end of the month. They gave me two options "express payment" which charges 5% or something or ACH draft. I chose the express, not realizing the options, and my credit was available in two days, and the money came out. Next month I paid it via ACH. It's two months now and the credit limit is still unavailable. I call and they say I have to send them a full copy of my last bank statement to prove it's my account. Bizarre... They had no problem TAKING the money out.

Two years ago I stopped receiving my Credit One statements in the mail. Phoned them & asked for back statements that hadn't arrived. Still no action taken by them as of June 20, 2024. Then over the past 3 months, they have put the wrong payment due date on my account on their website. Sent them a note about this error when I mailed my bill 2 months ago, still no action to correct due date on my account. This is a horrible company. Don't get a card from them. Fees are high as well.

You have to pay your balance of 100% and have a $0 balance or you cannot use the $75 cash advance. The quick pay went from $4.95 to $7.95. They only allow you to make 2 payments a month max and only 1 per 24 hour period. Customer service sucks big far you know what. They do speak English cause they are from India but the men are super rude especially to women. You can't use the card anywhere. It comes back invalid. Record the conversation but don't tell them they advise you it's a recorded line so you don't one person only has to in the conversation. I got a bunch of supervisors being discriminative towards women. But you do not get one cash advance once a month it's only with zero balance if they allow it.

Never ever bank with them. They steal your identity and they also discriminate against POC. My friend who is ** have the same card and never had her acct closed. Racism lives here. This a directly violation of all civil rights. My lawyers have been involved and have sent them a summons.

I've had a Credit One Visa for two years. Last week they incorrectly reported to the credit agencies that I had gone over the limit. It lowered my credit score by 23 points. I called up customer service and they told me there was nothing they can do because credit scores are supposedly private so they can't access it. Canceling the card tomorrow.

If you can see this DO NOT GET THIS CARD!!!! Interest rated sky high, which is to be expected depending on your credit profile. But the worst part of it all is they have this process where they’ll turn your card off to validate your bank information and that can take 10 business days and if they don’t receive it within the 10 business days, you have to send it again and wait another 10 business days. And on top of that, the customer service agents do not speak English very well.