Credit One Bank Reviews

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!!

I could not even understand the female representative's name due to very poor English spoken throughout the conversation. I had an issue accessing the mobile app for two weeks. When I signed in it kept saying "under maintenance" I deleted and reinstalled the app and still received same message. The representative keep putting me on hold and did not even acknowledge that I was still on the line when she came back and just started talking! Needless to say my issue was not resolved. I do not need this credit card if this is the customer service that I get. I will call to have cancelled!! VERY POOR CUSTOMER SERVICE!!

Credit One is a horrible company and their customer service is worse, this has nothing to do with payments or fees, they're rude and don’t listen to the customer. Run. There is better out there. They are so quick to close an account when you have been using the same bank for your payments for the last year. You have more than one card with them that’s used through the same account.

If only negative stars were an option. Customer Service is absolutely terrible. They not care at all. I only had one agent who spoke remotely kind. Still upset about many things. Was lied to, manipulated and spoken down to on multiple occasions. Would NOT recommend this company to anybody. ever. period. I work in customer service and have always been patient and understanding because I completely understand the other side- however I lost all respect (with the exception of the one woman) for these people.

I had to call 3 times before someone understood English enough to help. Brand new card. Wanted to pay it couple weeks early. For some reason payment didn't go through so tried again since I had the money. Still no, so I found my bank didn't recognize the charge and blocked it, but resolved it for future payments. So I made my payment like normal (early still). Week later Credit One Bank slapped multiple fees for every payment attempt that didn't work. Makes sense...but it was my first payment, I had the money and I was paying early. After letting them know I resolved the problem with the bank and would like to request the fees be removed this one time since I wasn't late and unaware of fraud blocks with some banks. They stated the "only" option is closing the account.

I have been with Credit One for close to a year now, and I have made all payments on time. I had a couple of payments come back returned but I made them up immediately. They closed my account with no warning or call or anything. A payment was in their system for the double the of the amount of the return nsf, and at the same time closed my account. Do not use this card holder. They are crooks.

Was offered this card, it came punctually, they took the $75 fee out the first day. Their agreement says they will credit $1.00 from your bank and debit the $1.00 back to confirm bank. They did not do this. I paid my entire balance on 4/19/23 (was due on 5/3), the money was taken on 4/20/23 from my account and as of today, 4/27/23 I still cannot use my credit card, even though it shows a -0- balance. Customer service is friendly but no help. They require a copy of my bank statement which I refuse to send them. $75 lesson. Card cut up, account closed after one month. SCAM, SCAM, SCAM.

If you are thinking about getting a credit card with this company ... PLEASE DON'T!!!! They are complete garbage. My payment of $30 was due 4/23 and because I did not pay it by 5 p.m. on 4/23, they charged me a late fee of $30. Yes, you guys read it correctly. If you don't pay by 5 pm on the "due date" (no grace period), it's a $30 late fee. I read the terms to my agreement thoroughly and that was not stated in there. I am a single mother of 3 and I work 3 jobs that I get off from past 5 pm. I am going to pay my full balance and cancel this credit card. Amongst having no grace period for their customers there are so many other things that just are not a good look for them. Run away! Run as far as you can. I wouldn't even recommend this credit card for people with bad credit or those trying to establish credit. Don't go with this company at all please. There are much better out there.

I received my card and realized there was a $95 annual fee and called Customer Service to cancel my card as I never used. The Rep made some offers if I would keep my card so I did. The next day I logged onto my account and noticed the promises were not being honored. I call Credit One again and was told they were not going to honor those promises. I told them I wanted to cancel my unused card and was told no problem but I’d still be responsible for the $95 annual fee even though I never used the card. It’s my opinion Credit One is no better than a Used Car Salesman.

As long as you never have any type of issue. If you have to call customer service you are addicted to pain. They do not think, they will keep reading script over and over. You call and different info. They will leave you on hold until the phone hangs up, or long enough hoping you will hang up. English is not the first language spoken by the representatives. This would be ok for basic calls. But for more detailed problems they will be pissed at you. If you get the card, just hope you never have an issue. No one should ever call looking for assistance and have this much pain inflicted upon them.

While Credit One cards give someone with bad credit a chance for a new start, there are cards that are far better than these.

I’m supposed to have a 400.00 credit limit but I’ve never used my card for that. Only the 30.00 I pay every month and lately I’m paying and not using the card at all, all they're doing is using their own card. I hate this place. Can’t wait to pay them off. And I don’t see why I’m paying off 400 when I've never used 400.

I have worked with many banks and card companies over the years and this has to be hands down the worst company ever when it comes to customer service and fees. They make it nearly impossible to speak with a company representative and they charge an extremely high fee for their card. I would never recommend this bank. Getting an account closed and annual fee return is also next to impossible. Horrible company!!!! Beware!

Watch your bills! I am on automatic payments and caught them charging me late fees BEFORE the due date even though I had paid my bill! This happens on 3 occasions. I wrote them complaining (because there is no other way to speak to someone) and they DID refund me, but they are giving me hard times removing the late fee on my credit report. Thank god I have the letter to submit, some of the credit bureaus took them off but I had to fight for it. Also! When I stopped automatic payments they still deducted the payment so I paid double for about three months also. I have been a customer for two years now and have never been offered an increase. Got denied when asked for one. Probably for the ‘late fees’ they charged me for. But honestly what is a $400 credit card when you should only spend 30%? So I’m keeping my balance at $30 and they can take the apr rate off that… They are not getting more from me! They screwed my credit.

I have called all 4 of their numbers several times today and each of them only ring busy. I had to go online to activate my card - yet every time I have attempted to use the card for has been declined. They accepted the authorization fees 3 times from the gas station...declined my purchase of gas. The customer service link on their website is a dead link. I haven't been able to speak with anyone through the phone or the website! I thought I would give them some time to maybe get my account working/activated even though it says it was - so later in the evening I tried to make a $20 purchase on Amazon, again declined. They have managed to charge me $75 to activate my card plus 7$ for my Purple card - yet I can't use it and cannot get ahold of ANYONE.

Worst credit decision I ever made was to get involved in this substandard company. I opened the account and kept the account in good standing for 11 months. I only got the card because it was an American Express card. They screwed up a scheduled payment of mine and did not take it out when requested due to an error on their end. When I realised it I called their non existent customer service department for days. I finally got through and explained the situation and made the missed payment over the phone less than 5 days later. They returned the late fee and phone payment fee. I was told it would take several days to get back the $30 in interest I was charged. Never got it back and closed the account. STAY AWAY FROM THESE LIARS. I wish I could have rated it 0 stars.

To keep you from paying off your balance early. They give you a limit on when you can only make an express payment five times in one billing cycle. Why can’t I pay my balance at any time. Very inconvenient when you need to use your card. Certain places only take credit cards and I can’t add money for situations like that. Terrible.

This horrible company does not give increases. I have had the card for several years with on-time payments and double payments. My credit score is 670 and I have zero balance. They are pathetic. Choose a different card.

They are the worse credit card company in the nation I believe. Even after a year they still won't give me a credit increase even to if they charge me the annual fee I will pay them off by July then I will close my account.

I have been up to date and made my payments for well over a year and I have been on time and paid more than I owed and I never called Credit One bank once to tell them about the payments that I made but yet if you miss a payment because you lost your job and you're waiting for the appeal or unemployment to kick in... They will call you five times before 10:00 a.m. on Sunday morning and they'll call 18 times a day every single day asking you about a payment. And every single one of the 100 different people that have called speak in a horrible Indian accent trying to speak English and you can't even really understand them!

I opened a credit line with $200 deposit to rebuild credit. I downloaded the app to track and make payments, etc. About 6 months later I changed my personal bank. I added the info, verified it through Credit One's app, seemed fine. Made my monthly payment, 5 days later I was sent an email that the payment was returned and the account assessed a 40 dollar return fee and 39 dollar late fee. I called customer service, explained I was sure I chose my new account, must be a glitch in the App. They returned the fees, I resubmitted, this time taking photos of me doing it since the app doesn't allow screen shots. Again, 5 days later, same thing. So I removed that old bank account to just cover my bases. Called in, explained, again fees removed. Resent once again and this time it went through.

I received a "pre-approved" letter from these guys. I should have known better. So I went online and was told that I was approved for a card with a limit of $300-1500--might have been $2000. So I said OK and received a card with a $300 limit. The first bill came and it had a $75 annual fee charge on a $300 limit card. I have never applied for a card that has an annual fee and I wouldn't with this outfit. Particularly with a $300 limit!. Either it wasn't in the application or was in really small print. I spoke with a Rep from the bank and we both laughed that it was ridiculous to have that high of a fee for a small limit card.

I originally had a low balance credit card with First National Bank of Marin. Years later, they changed to CreditOne Bank. I had not issues for the first few years. Then, around 2018-2019 things started changing. Random items in my account would change. I would go in and correct them. Suddenly, I couldn't get in at all. I noticed random charges that were not right and corrected them with the institutions that made them. Then, in late 2019, I received a replacement card. Activated it and set to e-statements with no mail and two factor sign in. A few months later, the estatements stopped and things seemed to revert. I went and tried to log in to reset them and found I could not even log in. Called customer service and got things fixed. Then in late 2022 it happened again. Called to get it fixed and was told that my information did not match.

Be warned... Credit One will lie and commit fraud... Charge you fees without ever sending a card. Then when you cancel because of the hassle, they will continue to charge your account as if it were active.

No Security! No better credit score! Not safe at all! Your information easily stolen and no one cares! I have a platinum visa card. My information was stolen from the bank and someone used my card in Walmart, Holiday Inn, and for Uber. I was billed for about $800 back in November 2022. It decreased my credit score as well. I disputed the transactions. They made an investigation. They accepted two transaction as fraud but not one which is made in the same day. Now I have to pay about $300 for someone who enjoyed my money. They don't care about your security. When I called them they told the system detected an unusual activity and sent me a notification which I never received and replied. But they made the payment without my approval. I don't know about my information was completely stolen or not like SSN. Think twice if you want to apply for this bank.

I opened a card with Credit One bank 2 years ago, since then they reached out to me about increasing my credit line but after doubling my credit line they sent me an additional card. Then reached out again about increasing the credit line another $500 which was another credit card, informed them I do not wish to have another account so they increased a card $250. What happened to the $500? Every time you try and make a payment you are locked out of the account for "system maintenance" or "account suspended" then you wait 24-72 hours and log in and what do you see? More unnecessary charges added from the previous file review.

Go read the hundreds of reviews about this bank on Yelp..to verify what I'm saying is true. Scammers. No one in customer service will transfer me to a supervisor....I've had to call back 8 times now and give 8 different people my name address and social security information...Each time they say they'll transfer me to a supervisor they hang up on me....I got approved back in January and they said they've sent it many times...in January, in February and now in March...

Every time I made a payment to this company I would see it post to the account and then it would get returned the next day later and yes I have the funds available in my account. I’ll go out be possible to post and then they just take the payment away. It just disappears like it never happened and I have proof and screenshots of every time they did this Resulting in a return payment just so they can scam off making money from the fees that they’ll give you for doing that even though the funds were available they still kept returning. The payment makes no sense. Now my account is closed because every single time I try to pay it they wouldn’t keep the money there. It would post for a day and then reverse right back into my account. They’re a SCAM. But they sure won’t hesitate to take that $75 fee from you though within a week of having the card.

My only real complaint is their website... It is the worst website I've ever used! It constantly says my request has failed and won't load any of my information. Every time I make a payment it says it can't confirm my bank information and they need to send me two deposits but never do, so I have to make payments on both cards at separate times because they think two payments is an act of fraud, which apparently is fine to commit two weeks late, I don't know. Then they ask me to switch to electronic statements, which I attempt to and then it kicks me out of the site completely taking me to a page that says I don't have authorization to view the site. It's utterly ridiculous to say the least!

This credit company has been awesome to me so far with high credit amount. Their staff have literally gone the distance to help both me and my wife when we needed help. You guys are awesome. Great job.

One star because zero is not an option. They took my money on 3/4. Said it won't post until 3/12. 8 days after my payment. My bill is due 3/10. So here I am paying 6 days early and they say it's late? BEWARE - They purposefully make it impossible to pay your bill on time, EVEN IF YOU ARE PAYING EARLY. The customer service rep said this is typical. This is wrong. Predators. CALL THE NEWS, PEOPLE. THEY NEED TO BE SHUT DOWN.

They would not remove the annual fee as I had made one purchase on my card. Do not use this company as they will give you a credit line of $500 and then charge you $99 per year to have this. This should be illegal but since it is a fee and not under interest they can get away with this.

At first everything was fine, card was received in a good time, and payments made was posting. Once I missed one payment on time they “suspended“ my card until I paid at least a “minimum“ and I ended up paying a the whole balance off and was told it would reflect on my account as soon as possible which didn’t happen. Called 48 hours later and was told it would reflect the next day. Nnot only did it never happen but the payment I paid in FULL that was “pending” was completely gone as if I never made a payment and it was still saying “cards suspended“. Even though it shows on my banking statement, No one could give me answers as to why this has happen. They just keep transferring me to different people, I will be taking legal action. $300 limit they give which actually is only $250 isn’t worth it!

2 situations my card was compromised and it took 2 months to get new card. Then I was out of the country. Ran into situation. Needed to get my 75.00 cash advance but didn’t have the pin which was never generated and when I called they said pin was mailed the day before to my home. Not emailed and nothing they could do. I AM IN COLOMBIA. HOW CAN I CHECK MY MAIL and everyone I talked to could care less about your situation. I owed 30.00 which it was zeroed out before I left so there were 30.00 in fees for having a zero balance. This company is a joke. Run don't walk away.

I apply for a credit card to rebuild my credit. It took the company over 30 days to send credit card. I received an email from them telling me that my account was going to be closed due to inactivity. Called the company cause no card was ever received. They then sent me my 1st card that they deactivated due to my call about no card. Then I received a card and they deactivate that card. On Jan 17, 2023 I called cause I went to use the card I did have and they closed my acct. After about 10 calls later each time they told me that I would receive a new card within 10 days. No card was ever received.

They hold my payment ransom till after the due date and charge late fee, I’m dropping Credit One Bank card! Terrible card and customer service! If you want to build maintain your good credit don’t use this company!!!!

Do not choose this card. My credit score is 632. I applied for and received the Credit One American Express bank card. They are deceitful and manipulative because:

Just say at this point, Credit One Bank is great. I had a bit of a problem when I first started the program but now everything is fine and I'm very satisfied with my service here. Thank you again C.O.B.

This is, by far, the worst company to work with. My credit card was regularly stolen and when I would call I would speak with people who are VERY difficult to understand, speak over you, and consistently transfer you to another person. My credit card information from Credit One Bank was stolen in October and it took them two months, and my constant calling to reverse the charges so I wasn't paying interest on those fraudulent charges. I decided I was just going to be done with it and I made a payment on 12/21/2022 to bring the account current while they continued their investigation into the fraudulent charges. I called two days later on 12/23/2022 to close the account. I then waited for a check in the mail for the over payment I would receive and now, in February, I receive a phone call that I'm past due on my payment for them? What? How?

This has been the WORST experience that I’ve had with a credit card company in my life. I have not had a credit card for over 3 months. They lied & said they sent it out. I updated my address. Waited two weeks later and I didn’t receive anything. I called back again and they said they had a credit card shortage, so there was a delay. Then they said they sent it & expedited it. Two weeks later, still no card. I called back AGAIN & they claimed to had sent it to my old address. I updated it with them over a month ago & I had my mail forwarded. They lied that time. I spoke with a supervisor who promised they would send it out. 3 months later, I STILL DON’T HAVE A CREDIT CARD.

Although Credit One offers a pretty good card, their service is horrible… My account got shut down for 0 reason, never missed a payment and have had card about 3 months, when I call to find out what’s going on they inform me my account has been closed, when I ask why I can get a straight answer, finally an “account supervisor” gets on the phone and tells me about “reversed payments” from this account… Every payment he brought up was taken from my bank account and I provided him reference numbers… He then asks if I could send in my statement so he could open an investigation… Too much trouble for no reason, I’ll use a different card moving forward. RUN AWAY IF YOU'RE THINKING ABOUT USING CREDIT ONE BANK!!!!

I have called five times, and also spoke to supervisor regarding card approved for in November. They keep saying they are shipping new card but it doesn't come. Funny, I did get a bill and letter from them though. Why are they not sending cards? Are they just using my information? Doesn't seem legit.

American Express should get out of business with Credit One fast. So I lost my card I called to cancel the old one and requested a new one. A month later I realized I still haven’t received it yet. So I go into my online account cause I know they have an annual fee of $95 and wanted to see if it was charged to the card for the new year. I found 599,00 charged on the card $400 at an Apple Store and 199 at a rite aide. I said how is this possible I didn’t even get the card yet. So I called them to tell them what’s going on and to let them know there are fraud charges on the card. They said we will have to review this but in the mean time you will have to send us a utility bill and your license so we can confirm who you are. I said, "Are you serious?"

I have been a Credit One card holder for about 5-10 years. I have had several issues with transactions being declined to avoid fraud. Embarrassing, but not unique to them. I have always paid on time and usually try to pay off each month. One often you cannot pay completely off unless all your transactions are early in the month. Not sure, but this is a bit annoying. I do not care for the 7 days after paying to have credit available, but still not my biggest issue. For the second time after making a payment (to pay the card off), they have suspended the card because my payment could not verified. The first time I provided them with the information they requested (proof the payment came from our bank account) they never reinstated. Then when we called, they said they had closed the account because we had not submitted proof. We cut up the card and it is still showing as an open account.

I applied for the card December 17th 2022, was approved on the 20th. Didn't get card until January 19th, but it was sent to me overnight, which I thought was nice. They also refunded me my annual fee because they were late sending my card. So overall I think they're very good and I would definitely recommend them. Thank you Credit One.

Don't suggest anyone apply this bank.. They keep over withdrawal for no reason.. I paid on time and they keep over withdrawal... hidden fee or whatever ... Don't apply this bank.. and hidden high fee that I don't know.. hurt my credit cause this...

Card itself is okay, so long as you never need help with anything. They have hands down the worst customer service I have ever had the pleasure of dealing with. No one I have interacted with speaks fluent English and on top of genuinely not being able to understand the CSR, the few of them that I have spoken with are beyond rude. They act extremely annoyed to have to be helping you and I use the term helping very loosely because helpful is the last thing they are. Not to mention not only can you not understand them, they can’t understand you either so it’s a phone call of constantly asking one another to repeat themselves, except they ask you to do so in an extremely rude, arrogant and condescending way.

My initial experience with Credit One was great. I had 2 cards, 1 for approximately a year. All payments except one was made on time and even that one was corrected shortly after. Few months later my lease was up and I had to move ~ unfortunately there were unexpected expenses related to move that threw my whole budget off. When I made my payment, I mistakenly provided them the wrong bank account (I have 2) ~ they attempted to push the payment multiple times running up nearly $100 in fees. It was my error so took that one on the chin, called them and gave them correct account. As I said budget was thrown off another payment came through and one of the payments didn't clear. Again - my error, however I immediately called them, requested to re-run the payment - they would not and closed one of my credit cards.

I rarely can make a standard payment and can't login to account and can't speak to anyone when I call. I think a 1 star is too much. I've tried everything in my power and cannot even see a statement of what I've been charged.

I've had my card for over a year now. I've paid my monthly bills on time with no issues. Until I was recently notified by Experian that my credit usage went down changing my score. Now I'm thinking how.... It's crazy I don. Didn't need any funding. I'm doing good with income so no need to spend unnecessary from card. Somehow my card balance was low. I called and I was told they didn't see anything suspicious on it as if it the activity been erased. Sounds nuts I know. Then I went on to ask for a replacement as I wasn't getting anywhere trying to explain to them how 96 dollars has just been taken out of my account. It's been 3 weeks since then. Today (1-12-23) I called to see the status. They wanted my SS#.

The worst bank I've ever had. Don't waste your time and money. They make up charges and fees. And when called and asked about it they closed my account. Credit One bank said it helps your credit. It does not.

Beware of this company! I Ordered a new card 2 months ago and still never received it. I Call them back 2 weeks later asking where it is and they lie and say it was shipped. Called back 2 weeks later again. They lie again and say the post office won’t allow shipping to my address. (I got mail from them before and after this but no card. I even get mail at both my address and mother in laws address About my change of address.) I call the post office. They say that’s a lie that Mail is not stopped at my address and never has been.

It’s funny, they talk about phishing on their site but the employee I just spoke to kept asking for my ssn, address, birthdate, and full name. Why do you need that information? You aren’t opening a new account for me! Also, it’s SO ** annoying that every phone call is someone with a thick ** accent. I understand they are outsourcing but I can’t understand wtf they are saying! And they don’t understand American mannerisms. It’s rude to say “AND YES MAAM make sure you do this AND YES MAAM make sure you do that AND YES MAAM don’t forget this.”

I have always been in good standing with Credit One bank. On Dec 13th I reported one charge for 96$. We ordered new cards and after 15 days of not receiving my card I called. They told me, "I’m sorry but we have had some technical difficulties. But your card was sent out today. It should be there within the next three days." It is now January 9 and I called to inform them that I still have not received my card. Today the information I received is that they are having a hard time getting the materials to print our card, and that is why it has not been sent out yet… NOT!!! been sent out…

Credit One Bank is the most deplorable Credit Card Service anyone may want to experience. Here are the reasons: 1. They lack absolute customer satisfaction philosophy - 2. They have fraud orientation. 3. Their pre-approval process is fraud. 4. They are total fraud. 5. They are nothing but fraud. 6. 100% fraud. 7. Everything about their operation fraud. If you try their product/service, you will regret big time. Don't even waste your time.

Credit One Credit should not be advertised or recommended by credit bureaus. As a card to use to build credit. The payment policy is ridiculous and has you set up to fail. It takes 7 to 10 days for a payment to process and post to your account. So even if your payment is made 4 to 5 days before it's due. You run the risk of it being late even though it will show it's processing. You have to pay to have it immediately posted to the account. This in addition to high interest rate and annual fees.

CreditOne Bank is a predatory lender. Anything they can do to charge fees or make it difficult for the borrower, they do it. Payments after 4 pm or on the weekend are considered late. Historical transactions cannot be downloaded online (only viewed). Login Verification Texts are not received making it difficult to log in and make payments. Interest Rate is ridiculous. Pay a fee if you want payment to be reflected immediately. Pay a fee if you want to make a payment over the phone. I HATE THESE CROOKS!!!

I had this card for several years. For some reason I did not realize my $39 annual fee was due. I never received a notice. I was then charged a $30 fee a few weeks later. I finally got notice they were suspending my account and charged me another $39. Previous to this I had a zero balance. So, after $110 in fees and never before late the account was suspended. I paid the fees and promptly cancelled this ripoff card!

They call you every hour to "remind" you your payment is due in a few days, even if you have a pending payment. It is almost impossible to get to talk to a human, and when you get someone, you can't understand them. The card is awful as well and it takes almost a week for a payment to process. Even if you have a payment processing they charge you a late fee if they don't take the payment from your account by the due date. I would not recommend this company or card to anyone.

I should have known when there was a limit to how many payments I could make. They closed my acct for a payment which my information was approved on their site. They accepted a payment after this one from same bank. Never knew my acct was closed. They charged me late fees on an acct they closed. I would never recommend this scam credit issues to anyone.

Credit One card was ok for about a year. They added on Credit Protection without my consent and charge me $6.67 a month. Also added almost $2.00 a month for cash advance that I never used. There was a charge I didn't make $129. 99 so I called them. They gave me a new card number. All I know is the last 4 digits. The card I have is my original one. I never got a credit card with the new number. They gave me a credit for that charge and then added it back on again. I tried to call and their phone cuts my call off immediately. They will continue charging the fees and ruin my credit since I can't make a payment. What can I do? I'm going to talk to an attorney. Please if anyone reads this don't accept a card from Credit One.

I originally got this card to assist me in raising my credit score due to my credit score being in the toilet. I was approved for $300 from the start. Within 7 years my credit limit had be raised $950 and stopped. I called and made credit line increase requests multiple times with non ** people telling me they have NO control over the decision to increase credit limits because those decisions are automated, made increase attempts on the website multiple times, and even changed my annual income when it changed and still no increase.

I was approved for a simple little card. Nothing has ever shown up for 4 months yet it shows how I still owe a annual fee. Every time I call the company a foreigner answers the phone which has the worst English on Earth and they end up telling me I'm not allowed to cancel the card nor could they help me any further if I don't give them my social security number and address. I 100% believe this is one of those scams in India or one of those countries over there that just steal from good people because they're bad people. There's no other way to word it!

Credit One is charging fees, sending a bill for those fees, BEFORE even sending consumers a credit card. It's been OVER a month. MY 1st calls to them were being assured that no statements no reporting UNTIL I received a card and activated it. A week later I get a bill in the mail for 75 bucks (an annual fee)... BUT NO CARD EVER. Hoops and excuses why cards aren't sent, and treated very rudely when I questioned Why, I was told one story, then the opposite. A BILL, NO CARD, that 2nd call the lady IN VEGAS, tried to degrade and belittle offering me 6 dollars off...OFF WHAT. I don't know about most, however, I don't pay ANYTHING, for something I never received, that was never sent, and never activated. Two stories, total opposite with each call. IT HAS TO BE ILLEGAL TO BILL FOR SOMETHING NEVER PROVIDED, NEVER SENT.

First off it’s been over 35 days since approval and still no credit card. Credit line is VERY misleading.. Make sure you doublecheck this before you accept the card and customer service will lie. Go with Capital One if possible. Anyone but these people.

Updated on 03/05/2023: 1st it took them over 2 months to send me my card, they have yet to list it with any credit Bureau and now claims that express pay is under maintenance, so everybody has to pay through a bank account, so they hold onto your money for 7 days, to collect the interest.

2 months ago I applied thru Credit Karma, I was approved. Know, I already have 2 other cards and a decent credit score. Credit One tells me that I'll have my card in 7 to 10 business day. 12 days later I call, oh look at that, they just mailed it out, so they say. I wait, and wait, and wait. 2 weeks goes by, I call again. Now I'm told that they are having trouble with the supplier. Ok, let's go that route. I wait, and wait, and wait. Then I get an email stating that I am past due on my bill. My bill, are you serious, the card was never received or activated. So I call, they act caring and say they will change the due date. I ask why do I have a due date when the card was never activated. No real response.

I filed a dispute for two unauthorized charges from a rental company. I provided proof of the authorized rental charge and the rental contract agreement associated with the rental. Credit one took over 120 days and only because I complained about the dispute not taking place per the rental company statement that Credit One had not contacted them regarding the charges. After well over 120 days, Credit One stated that they had conducted an investigation and found favor for the retailer. The retailer basically called credit one liars. They were never contacted. Also, Credit One has charged me for instant credit per payment made via debit card. They took the $4.95 fee but didn't provide the instant credit. This has happened several times. Another complaint is about the cash back, it's never available to add to your account. I will be closing my account at the end of December. I only got the card because I thought it was Capital One I was applying for.

I am still waiting for my card. When I called, could barely understand the customer service person, and basically was told you will get it when it's mailed out and was hung up on. I did just get email saying it's taking longer to mail out cards. Wish I was told this sooner or it was advertised, not the 5-10 days. Not a good way to start.

There was fraud activity on one of my cards. They said they closed the card but I still had an annual fee on that card. I called them several times and they said they were investigating it. While awaiting for them to contact me they double charged the late fee and made my balance go from $200 to $460. They did not resolve the issue and now they want me to pay on the card that was closed. I am looking into an attorney since they don't know how to treat their customers with professionalism and have an incompetent process.

This company is horrible. 1 week after activation there was a $1300 fraud charge for $500 over my card's credit limit. When I called to talk to someone I was calling India. It took 5 different people to verify my name, address, phone number, card number and social security. It was the worst almost 2 hours I ever spent eventually closing the account. Nightmare company!!!

Do not do business with this company. They are bullies and liars. They let you make a payment and then block you from using your card. They pick and choose the transactions they allow to go through. They think I am going to continue doing business with them after they illegally treat me like garbage. They blocked card for transactions right after I paid them. Then when I call to find out what I'd going on they turned around and made sure none of my transactions went through. ASKED TO SPEAK TO AN AMERICAN SUPERVISOR AND ThEY PLAYED games. They claim they are closed or under maintenance. I'm done

$40 "payment" fee 2 months in a row BEFORE THE CARD WAS EVEN SHIPPED!!!! Called customer service multiple times, eventually got ahold of a VERY rude individual to try and explain the situation only to have him hang up!!!! Closed the account weeks ago. "You owe us money", $300...

I applied for the Wander card. I was approved and verified. I received emails stating my card would be mailed within 10 business days. After waiting, I contacted customer service to inquire about my card. They said it’s not ten days, it’s 21+ days. Nowhere on my application or emails did it stated this extended time. I was told by numerous representatives that their website and my emails were incorrect. What?! They stated on their end it states this. I asked where can I find this information? Ultimately, nowhere stated this. I have immediate regret about applying for this card. It has absorbent APR and interest rates. If you need a card, go somewhere else. I have spent hours and hours on the phone today which led to no resolution. Predatory company. Disgusting.

They are illegal, they've got to be illegal, there's no way what they're doing to consumers is legal: they close your account when you use a different checking account to make a payment and report you to the bureaus as fraud??!! Like your family member or friend can't make a payment for you using their account, they're being slapped with a BIG LAWSUIT for messing up people's credit story!! Not only are they the ONLY company that charges for credit limit increase, their annual fee is HORRIBLE, their interest rate's exorbitant, their credit limit is lousy, even for people with bad credit, they're highway robbers!!! They need to be shut down! Every other credit card company in the country is better than them, they're literally the WORST...RUN!!!

I applied for this credit card over a month ago and wish I hadn't. I've now waited a month on my card and they took the 500 out of my account to put on the card! Every time I get an email saying, "Call if you haven't received your card." I call and they literally hang up on me or go silent! Then they tell me they didn't mail it out but they will today. 10 more days go by and same thing. I said, "Jesus if you haven't mailed it out to me yet just cancel it and refund me my money!!!" They then say, "Well we can't do that." DO NOT USE THIS COMPANY!

My card was damaged and needed to be replaced. Not lost, missing, or stolen, but damaged. I called for a replacement and specifically asked that my wife's card stay active. I also paid to have the replacement card "expedited", meaning I would get the replacement in 3-5 business days. They decided to cancel and replace both cards as if they were lost. This was 6 weeks ago. After multiple phone calls to the Middle East and speaking to multiple people who are extremely difficult to understand, we received 1 card. Now, they can't seem to figure out if a second card was sent. This company is a mess.

I've been trying to contact for the past week to request a verification of payment letter. Every time I call they state it’s takes 4-5 for a payment to process. I explain to the rep that is impossible. I made my payment with a debt card. She quickly change her tone and said I can put in the request but it take 48-72 hours. Ok that’s fine. Here we are 3 days later no letter. I still have no letter. I keep calling and they're giving me the run around. First Rep I spoke to that was a manager Rep ** and he said like he was just reading a script over and over. The unhelpful second manager I spoke to said I just had to wait. Number **.

Back in March there was 6 of the same charges that I didn't make until this day they are fighting me for it. I was paying the minimum payment so I don't hurt my credit so now they believe that it's me.

I didn't order this card, but got a bill for the annual fee anyway. I told them and they said give it more time to arrive. Reeks of a scam. That's how they scam you; they make you think you ordered a card and were approved, and then send you a $75 bill for the annual fee.

I got this card to rebuild my credit. Paid their ridiculous annual fee and used the card a couple of times. I missed ONE $30 payment as I had Covid. I continually communicated with them over the course of 10 days, set up a $150 payment. I paid and then they cancelled my card. I had it a total of 2 months. Paid them the $75 fee plus $150. The card still has a $225 balance on it and only had a $300 limit to begin with. Fee after fee will be charged for this card. It’s a terrible card to have, there are others out there to rebuild credit. My credit was only bad due to student loan debt and no credit cards or credit card debt, so I needed a card. My fault for choosing this criminal company

I got this card some time back and have used it and paid it off..Now during this economy and at xmas time I 8 days late on the payment..Yes I understand I was late...8 days!! My card was shut down by them over a wk late when I needed them and my card the most. It was put on hold. I'm so not impressed and will no longer use this card...ever!!! I would understand if I was continuously late or was a 30 day late...but a damn wk??? I was counting on that card for groceries for my two toddler granddaughters...who now have none because that card was shut down without even an email or any notice..I will never recommend this card to anyone..The only reason I got this card in the 1st place was that it's a visa card..but hindsight??? Hell no!! Never again!!?

This website is down more than operational. Constant issues signing in, even a customer service rep I got on the phone commented on the horrors they have with the site. Updates take days to happen, they charge an annual fee via a monthly charge. Outrageous interest rates and almost impossible to cancel your account or close it.

They approve me for a credit card and after a year using it I had to move to a different address. Well I end up calling and I never got the right help plus every time the phone call breaks up and you can barely understand what they say, and now I’m so mad at them because they block my card. I can’t used it and even that I told them that I provided a address identification they don’t want to unblocked. I’m done with them. Not recommended at all.

If you pay the bill the says it's due you get a $30 late fee. I paid via express pay that instantly changes my available balance and they charge $4 for that option. Now the next day I get an email my bills overdue and they applied a late fee. So one day late you get a fee even if you paid the day the bills due and it shows on your balance. If they were honest there would be no fees applied if you paid on time. They think they can give, print this stuff and people just accept it. Now the arduous task of looking at 3 years of bills and getting rid of this mess to see where else I was charged for oddities or paid my bill on the due date. I have 2 of their revolving credit cards and nothing to do with their banking.

I have a Credit One Bank credit card. I have had the card for 5 or 6 months now. They have refused to verify my bank account so I can pay. They charge me $5 extra every month for calling. They take money from same account they won’t verify. Do this to 10 thousand people and you have an extra 50,000 someone should investigate this. I know I am not the only one.

You'd be better off getting a loan from the mob. The interest rates would be lower but not only that they find a way to tap on an extra 30 some odd dollars on you for saying and pay the bill on time. When I clearly paid it the day before like I always do even adding in then I didn't pay it the day before and it would have been 10 minutes late it would have been paid after 5:45. If I had paid it on the day they said I did which I didn't and because of the 10-minute difference they want to add on 30 some odd dollars. I intend to pay this bill off with everything but the 30 some odd dollars cut up the card and announce to the world to watch them.

I applied and received a credit one bank credit card back in August this year. In October I paid the card off in full and changed my address. No one notified me of a block or any type of identity verification requirement until 8 days after they blocked my card and I called in because I was declined when trying to use it. They claimed it was for identity verification and my account was flagged for fraud. Since when is fraud paying a card balance off in full? ($995). They requested me to send W2, a UTILITY BILL to show my address, license/ID. I sent these items over a month ago and was told because I don’t have a W2 I don’t meet the requirements for identity verification. I explained I was on disability and I also then had to send my passport. Still no communication from them about why the card was blocked or when it will be unblocked.

On Wednesday 11/16/22 I attempted to open an account. It took all my information including my birthdate and SS#. When it sent me a six-digit confirmation number it went to my junk mail. I called customer service and was told to check my junk mail and try again. When I started over, as directed, it said I already had an account, but when I tried to open it The website said I did not provide sufficient info to continue. I called back and again spoke to Joe in CS who tried to find my account but could not. He told me he would contact his superiors and find out how to proceed. He told me he would call me back as soon as he heard from them.

I close my account on 11/12/22. I recorded the Operator #, and a Confirmation #. I was assured there would be no further charges. 11/18/22 - Receive email stating my statement is available. Upon review, my account was charged the 'monthly' portion of the annual fee...plus interest... WHEN? you ask, "Oh the charge was on 11/17/22." Customer Service stated (called 11/18/22), that my account status was 'closed', WHEN? you ask, "Oh 6:05 PST on...11/18/22." Are you kidding me. They left the account open just long enough to charge the fee one last time and then force me to deal with it.

Every time they offer no assistance. They tell me they can't do anything. Takes 6 days to process payments. They refuse to change my billing date. What miserable company. They do nothing. They offer nothing. They do not care.

I have been a customer of Credit One Bank credit card services for a year. I’ve read reviews with Consumer Affairs and completely disagree with many others. Do as you’ve agreed from the onset. I pay before the due date, have never had any issues and I’ve never gone over the credit limit! It’s that simple. It’s highly recommended to take advantage of their credit protection program as well. In the time I’ve had a Credit One credit card, I’ve been offered a second card with a huge credit increase and a huge interest rate decrease. The mobile app is great! It’s very simple to use to see your transactions, watch your balance or pay your bill. It’s equally as simple to reach customer service by phone if needed. I’ve called customer service twice in 1 year and there’s never a wait time. They’re extremely courteous and efficient! What more could one ask?

I opened the card trying to increase my credit score. I don't use credit. I pay cash or don't get it. I can't login, can't pay my bill & can't get hold of anyone same as last month and was told no late fee because it was only hours after the due date which I had no way of knowing since I never got a statement and had been trying for 2 weeks to contact someone. I was charged the late fee and here we are again unable to pay my bill. I will be closing my account asap. Don't need the stress.

This bank is garbage. They prey on people by using tactics I’m sure are illegal. Yes, I have had insufficient funds. When this happens they automatically unenroll you in autopay. When you log into re-enroll either the website is down or they make it impossible to figure out or get in touch with them. They are the first to report delinquency to the credit bureau. These suckers take advantage of people with bad credit and I would suggest all people considering this card to beware. They will be the first card I pay off and I will cancel my account. Can’t wait! They suck and don’t deserve one star.

I have not had any issues per se with my credit one American Express card… I went almost 10 years without using credit and although had absolutely no bad credit and paid all my bills on time on my house, free and clear, and all of my vehicles etc with a strong net worth I ultimately learned my credit score was below 600 or at 580 when it used to be 800… It took me over a year to get it back up and I was dumb enough to get the credit one American Express card. Now I’ve never carried a balance and I even used it heavily making sure each month it reported zero… The funny thing is they gave me a $500 initial limit and the day I received the card and activated it. They increased it up to $650. I’ve had it for 11 months now and have received no other increases nor have I requested an increase.

I have had a Visa card with this bank for 2 years. Recently my card became damaged. I called to get a replaced, only to hear first it would cost $22 then I called to report it stolen so I could speak with a human. I explained I have the card saved in my Google Pay Wallet as a virtual card but that I had now misplaced the damaged card. I got a rude lecture from some outsourced young foreign accented male (young as my grandkid probably), about it's my responsibility to take care of the card, when I explained I called the lost line in hope of avoiding what I feel is an excessive charge.

I got a card but closed the account because not enough line. Was told the annual fee. Because I only had it 3 days now they are charging me the fee and late fees and interest on a closed account and calls constantly.

This bank is absolutely horrible and does not respond to customers inquiries. I attempted to reach a representative and the automated system does not allow you to speak to a human. The only thing that they do well is collect your payments due.

I am no stranger to Credit cards. I currently have this Visa Card and am in the process of canceling it.. This Platimum Visa is one you don't want even if you want to rebuild credit as it won't help in that regards. It only reports to the credit bureaus about once every 2-3 months. It's so-called free credit report is highly inaccurate because they don't update it very often.

I like many others had credit issues and wanted to rebuild my credit. I received an opportunity to receive the Credit One card and would use it and pay it off each month. Each month I noticed different "fees" and would ask why my printed bill would say total amount due but when I call on the phone to pay the full amount there was another "fee" that could not be explained. I stopped using the card, then when my daughter relocated, I used the card. AGAIN, received printed bill for total bill amount, called on due date and paid total amount. Called two days later to make sure my balance was zero because of issues in the past and BAM, I was told I owed $54 because I paid my bill at 8:30pm on the due date and not 5:30pm!

Complaint Details. I closed both my 2 accts with this company back in March 21. After being alerted by Credit Karma in June 22' that I had a past due acct with Credit One, I called credit one's customer service and explained I no longer have any accts or a balance with this company and ended up escalated to a supervisor who said It only showed me as closing one acct not both in March and that I've since been charged a annual fee, late fees and interest on this acct. I said I closed this account already but haven't used it in at least 3, maybe 4 years, which is why I closed them to begin with along with Fraud getting pretty bad. I asked him to please reverse whatever charge they gave me and close this acct for real this time. He put me on hold to research my acct. He said they'd reverse the charge and he'd close my acct for real. Now he did close the account but didn't reverse the charge.

Very rude customer service lately. I had 2 credit cards with them. One payment will go through and the other one will decline leaving me with return fees. They talk over you and don't let you explain..