Credit One Bank Reviews

Do not get this card. Very hard to make payments, they charge you to take the payment if you are not set up with bank account. I’ve been trying to reset online app for weeks. They are no assistance, they never give credit increases even if your credit has improved, this is not the card you want to use to build your credit.

On 10/3/22, I called Credit One Bank and spoke to representative Leo at 877-825-3242 who advised me that my October payment can be deferred due to Hurricane Ian that had hit Florida. He said my next payment would be due in November. All my other credit card companies were offering the same without any reservations. I received a bill that is due 10/20/22 in the mail. I called back Credit One and spoke to rep Shecila who told me she had seen note from 10/3/22 when I spoke to Leo but they cannot defer a month's payment. They can only waive a late fee.

I was approved for this card and made my payments on time every month sometimes $50 more than the normal payment. When I went to pay through the app and told me my payment was due the 13th of October this year but then my credit limit was gone. I called them. They said my payment was due on the 7th. I tried to explain to them that the app said the 13th. They would not work with me so I feel this was predatory so I advised them I will pay the card off for and cancel it. I feel like I was ripped off in so many ways. The app gave a different date so how us as the consumer going to know that it changed?

This is the worst bunch of scumbags ever. They immediately charge you a ton of fake fees and then make it impossible to fight them by not having any way to dispute a transaction or fee. I've had the account for one month and have had to call them 11 times and spends almost 7 hours on the phone just trying to get fake fees canceled. Over time the call 'accidentally' gets disconnected. So pissed off the government allows companies like this to steal money from people. It's insane they can get away with this.

Had a representation call me at 8am on a Sunday a day before my payment was due, asked if this is how they do business? Their customer service said, "Yes they call to remind you."- Sorry I am an adult and don't need 8am reminders.. Wtf. Worst 3rd world customer service ever- tried making my payments online and was unsuccessful so had to pay the fee and had to deal with customer service. Was offered a credit increase and was told there was a fee. What? Ridiculous, bad company policy. There is no reason for that.

My purchase was declined today at the Emergency Vet. I cannot get into the app I recently downloaded and the representative spoke such broken English that I could not understand a thing she said, other than that there was no one in IT that could help me. I hate this card already and I haven’t even started with it!

There are many bad reviews, however, follow the rules and everything will be just great, high fees, what do you expect, you have bad credit, but if you pay it off every month no problem, the best way to make a payment is make payments through online banking, otherwise your payment will be held a few days to clear. Use it every month for small things and pay it off every month, that’s how you will get ahead. Those that have bad reviews are those that are not working the system smart, after your credit get straight, close the account if you choose to and get a regular card. This card will work if you abide by the rules and stay ahead of the game.

I live in Orlando Florida and these people called my 32 times asking me to pay a bill during hurricane Ian. While my house is flooding and fence and trees breaking all around me they are asking for a payment. I said I'm in the middle of a cat 4 hurricane and you are asking me to make a payment... They responded, "Sorry you are having such a rough time. When can we expect a payment." Never in my life have I been so furious at the inhumane conversation. State of emergency doesn't mean anything to them! What happens next will be their own fault

Received the Card a couple of months ago. Used it a few times. Paid it off before the due date $300 to 400 dollar payments at a time. Called customer service close the card, I told them the annual fee was too high. Customer service rep talked me into keeping the card after raising my credit limit to $500. And said I wouldn’t be charged any fees and so I agreed to keep the card. Made another $110 charge on the card to pay my AAA bill.

Credit One is horrible. They get a -10 in customer service, communications, process, and they don't give a crap about their customers. I got approved for their Wander credit card. I received the card, use it 4 times and they decided to put a fraud block on it. I sent copy of my driver license, bank statement. They didn't feel the bank statement was good enough, however o one in their organizations emailed or called me. I've sent several documents to prove I am who I am. I've spoke to numerous reps and managers. Here we are 4 weeks later the issue still have not been resolved. I've been told by managers they would call me back but that never happened. There are no words to describe how horrible this company is. My next letter is to the Better Business Bureau and the FDIC since they are a bank.

I made a two month payment back in the early part of Sept, called to see when I could use my credit card and was told by two representatives the card would be available for use on the 26th. Went to use the card and it said declined. Called Credit One bank and the story changed. Had to wait another day and no one would refund the money or open the card for usage when two representatives told me on the 26th. Very bad business. Please don't ever get this credit card or do business with this people.. I beg anyone, please don't use this company, they're awful and I never put reviews on a credit card company... BEWARE...

We made a payment to our credit card in the amount of $510 on August 21, 2022 from the same account and method all our previous payments have been made. Credit One accepted and posted this payment. On the app, it shows our credit available being $489. There was no correspondence to us nor did we receive our money back. However, we tried to use the card today to get supplies for a coming hurricane and there is a block on our card.

Awful customer service! They charge you in order to make a quick payment which is clearly a scam in order to make people desperate for purchasing power even poorer. The only compliment I can pass along is that they have attractive card designs. Things got even worse when I called one day because of them erroneously reporting me as 30 days late on a payment, further damaging my already abysmal credit score. They then told me they're also closing my account because of a few returned payments, DESPITE the fact that I have always paid on time and have regularly gotten my account balance to zero. While sobbing on the phone to customer service they told me I couldn't do anything to stop them from closing the account, and that it couldn't be reinstated either. This company is so predatory and they can't even do the bare minimum for the well-disciplined customers like me.

Yes my name is Mr ** and I have had a Credit One card now for roughly a year now and I always have made my payment on time way before they're due and always denied credit increases. Horrible experience with this company and can only get store credit, not cash when need cash and pay yearly fee for what!!! Can only get quarter of limit cash, I'm sending them my card back. they can stick this card where the sun don't shine, I'm getting a settlement of roughly 250.000, they can have it back, get a secured card if you're needing to build your credit, also they charge you 4.95 processed fee for immediate availability of funds even if it's debit transaction, sincerely Gregory **

Got a credit card just the other day. Couldn’t use it this morning at all. Turns out the second you activate your card they snatch 75.00 out so on a 300$ card you only get 220 and they think this is good business. So who in this nation think this is a good deal. It’s like why do you make people jump through hoops if you're just going to take it back immediately. Horrible card customer service and bank. Please avoid at any cost.

I've been a longtime Visa holder since 2021. Never any problems using my card nor making on-time payments. Until it wasn't. New card that I never ordered arrived in July but I never activated, because I didn't need it. Went to pay the bill on my original card, and the website was down. This happened several times thereafter. Forcing me to call Support just to pay on my bill. Then when I finally logged in, a small balance was now showing on the newer card that I'd never used. Support seemed confused over the situation, then reissued me a newer card! I'll be glad to pay off my balance and then say buh-bye.

Made a payment, even paid the convenience fee, just for them to put a hold on my account. Told me I made too many payments and that my bank is withholding the funds - which is incorrect. The funds have been withdrawn from my checking account. They told me if I want the available credit then I have to prove to them that the money came from my checking account - mind you, this is the same checking account I have used since I got the cc. Told them I would not do their job and they need to figure it out or refund my money. Supervisor was very rude and told me that I need to stay on top of my bills.

This "company" is straight predatory and criminal. Opened an account in beginning of July. Did not receive the card until end of August and had a late fee for an inactivated card. Took no less that 5 days of calling to get the late fee removed. Used the card, made a payment twice the minimum and three weeks before due. Their response was to restrict my account making the card unusable. Spent three days dealing with what they call customer service to be told my account was only open to accept payments to the account. Asked why I could not access my available credit, got no answer, just told over and over again the restrictions could not be lifted.

I had some fraudulent charges on my CC. I reported this to Credit One on 8/10 and they removed the charges and said they would issue a new card and mail it to me. After waiting almost 3 weeks I still did not receive the card so I called again and was told they had printed the card but failed to mail it. She said she would express the card to me. After another week I called again to find out the status of the card and was told it was never mailed. I asked for a supervisor who told me we would have to start the process all over again. It's been 32 days since I first reported it stolen and no satisfaction. I cannot believe they screwed up twice and then refused to expedite the card to me somehow. Very bad customer service. I am dumping this card company and going with someone else.

My experience is exactly the same as others.... I had two cards, and suddenly one disappeared. Now they want all types of documents to continue, even though no late payments ever. Many others report continued harassment even when documents delivered... Some even continued fees even though account closed. I'm trying very hard to avoid this... Already have one account closed although never a late charge, or overdraft...They do not cooperate.

If you don't pay to make the payments they don't post even if your money is in your account it will still show as insufficient funds if you use standard payment method. After three times of the payment being returned they will close your account after jacking up the interest rate and you will continue to make payments on an account that's closed and with a high interest rate and not ever be able to use it. I watched them tell me my payments were returned while watching my bank account and seeing them never even post while funds were there they would never even showed pending until I paid to make the payment via live payment. It's a scam. Now I am making payments on a closed account that barely ever goes down that's still accrues fees, I still have to PAY to make payments, and the interest prevents it from ever getting to zero.

I just called 3 times to this company to ask about a late fee charged to me. The first representative was unable to tell me where I was supposed to see that I have to submit my payments BEFORE 5 pm on my due date and despite I tried to get that info, he hung up the phone call. The second representative, asked me for my full credit card number, which I have never had to do so and when I requested to talk to a supervisor, he hung up on me too. The same day, two SPANISH representative did that to me. I am Latino too and I have never been treated in that way in this country. That is RUDE and they should not work in that position at all!!! Respect your customers to be treated on the same way.

First call I received an Indian woman with a dog barking in the background. Second call Was an Indian man who wasn’t even listening to what I was saying and kept asking me questions I already answered. Third call I received yet another Indian person who was asking me to verify my name, address, card number, social security number and asked for the pass code on the back of the card and how my name appeared on it. I asked for a supervisor and he stated he needed all these to access the account. But the person I talked to before the supervisor told me he was in my account. All I wanted was a replacement card because mine expired. This is a scam and should be investigated.

Not very happy overall with the card. The fees are really high. The interest rate is not the greatest. There is no leeway on being late on a bill one day to 10 days. It doesn't matter, it's going to cost you about $30. Even if you've made your bill on time every time until then. So one day late for $30. I don't think I care if I pay this credit card anymore.

I was apply a credit card for them last year 2021. I was approve for the credit and never use it. I just notice they keep charge me for with their reason fees. I end up call them to cancel my credit and payment. I still paid last balance of $110.10 and I thought the account is already cancel. I look up on my email today 09/01/2022. Notice they charge me again Of $126.XX with their yearly fees and even told me to paid for the fees of pay of the phone $4.00. I was super upset already for paying this. After all, I told them again to cancel my account again. DO NOT APPLY with them. They will charge you for a annual fees, charge you late fee for not use their credit card. NEVER NEVER RECOMMEND.

I got this credit card, as an attempt to rebuild my credit. First thing was the $35.00 annual fee. Next, I was charged $29.00 late fee, even though it was paid on its due date. All they are is a scam.

This card is good to have if you are trying to build credit. The issues that I have with this card is the poor service on the website. At any given time, a customer will have difficulty in making online payments due to the site being down. When I spoke the representative named Chaquita, I sounded like an angry bill collector and I keep my Credit One account in very good standing. Chaquita also put me on hold when I calmly informed her that I was not aware of Credit One putting a ridiculous amount of .29 cents into my account. The whole purpose of that fiasco is verify my banking account number. I sometimes wonder why they don't use a verification application to verify such information. It was just weird. I use the card if I have to because I use my debit card most of the time. But, Credit One continues to have an inadequate website and poor customer service. I will close the account and take a loss on my credit score.

Credit One Bank is the worst! I repeat... DO NOT DO BUSINESS WITH THESE CROOKS!!! We settled on an amount in April 2020 and we didn't hear anything further. A year later we receive a court order from a collection agency wanting legal fees and the collection amount. We contacted credit one and they told us they don't have any record and they can't help us because they sold it to the collection agency and then hung up on us when we tried talking to them more. We called the collection agency and they told us they couldn't do anything and to call credit one. We told them we did and they transferred us a couple times.

I received a card from Credit One Bank. I charged $350. I turn around and paid it off on the next statement. They took the money out of my account and turned around and said that I needed proof that the account was mine. I sent my bank statement in and a letter from the bank. Long story short, after going back and forth with them for two months. They closed my account. Question, if you thought that the account was in question of fraud, why did you continue to take money out of my account. Worst customer service experience ever.

I made a payment a couple days ago $370. On their app it showed it went through. I even received a notification that payment has processed. So I went to a store I frequent for some groceries and the register was for $80. I was "not authorized" for the purchase. So I ultimately called customer service and the operator indicated that I do not have the appropriate funds available... Needless to say, they have the worst way of doing things and if a payment is processed and it reflects it then there should be no reason for a "decline" at any register when the customer's information shows they have available funds and the amount they were using did not exceed it. This is a complete "Misrepresentation" of what is available and there is no way possible to tell what funds are available on the customer's end. Not to mention a total embarrassment!! That is wrong to do to people.

I have no complaints and thank you credit one bank for giving me a chance when no one else would. Yes the fees are high and interest rates are high, but they’re taking a chance on someone with a low credit score. It was Very easy to apply for online and they also have an app to keep track of your spending and to pay for your card. I applied for a secured credit card with Credit One bank to build my poor credit score after my own bank denied me for a secured credit card. After a couple months of paying the balance off in full each month I was given an automatic credit increase. My credit score skyrocketed!!! A year later I was pre-approved for another account with a massive credit increase. Thanks again Credit One.

Credit One is one of the worst credit cards out there. The customer service is close to non-existent. Do not expect to get respectful customer service or expedient service from Credit One. Everything is done at their pace, and they do everything they can to no satisfy your requests. Another thing, that I did not notice at first are the reviews on their website. They have mostly 5-star one-line reviews that pretty much say the same thing. It appears that they wrote much of their own reviews. Knowing what I know and what I have experienced with Credit One, I, personally, do not see how most of their reviews are 5-star. In my experience, there are better credit card companies out. Considering the annual fee, I'm not sure that it would be beneficial to even keep the card open for credit reporting purposes.

I have contacted Credit One Bank about fraudulent charges on my card and submitted documents to verify my identity along with proof on those purchase over two weeks ago. I was promised it would take 7 days to resolve, now 2 weeks later I have contacted everyone in the company who could help with no avail. I do not recommend.

Horrible company. They messed up my credit score twice! If you ask for a letter for the credit bureaus they won't give it to you. No one is in the US so they don't care about your credit here in the States. It doesn't matter how bad you need a credit card... DO NOT GET ONE HERE!!!! The interest NEVER goes down no matter how much you pay on time.

On May 2022, I submitted an application to obtain a credit card and it was approved. I received the card later and when I tried to activate it didn't work. I tried to contact the bank many times with no response. I tried to purchase by using the card. It did not worked either. Today, I received a notification from my Credit Karma that Credit One reported me as I did not pay a fees. I tried to create a user ID and a password using the info on the card that I have never used, I found out that they charged me $75 as an Annual Fees plus late fees.

As others have mentioned, there is an annual fee and high interest rate, but my biggest issues are the ability to make payments and their customer support. I have never encountered a bank that makes it a challenge to pay them until using Credit One Bank. I have autopay setup and have learned that I cannot make any additional payments during a seven day period leading up to the autopayment. I cannot set up the date I want the autopayment to occur. And I cannot set the autopayment to be the current balance (only the last statement balance). Every question I asked their customer service representatives required being put on hold for them to provide the answer and when trying to rectify any of the above mentioned payment issues, I have been hung up on twice now. Only use this bank if you have no other options at all whatsoever.

Had to use my card to pay for court fees. Was late on paying it back due to court and lawyer fees for my divorce. Paid it off and they closed my account after they got my money. And then even charged me interest on a zero balance.

This bank hits you with high annual fees and lousy rewards. Their website is down 90% of the time. When you call have an hour or two on hand to wait on hold. It is very helpful if you speak Arabic because their English is hard to interpret.

Had got pre-approved through Experian my credit builder and they still denied me and put a hard inquiry on my credit report. Dropped my credit score by 5 points. I’m so upset why pre approve me then deny me. Doesn’t make sense.

This bank are ridiculous. I was perfect on payment. After I switch bank for the payment and paid off the balance. They ask me to verify my bank. I send in all the paperwork they ask for. They cancel my cards resulting significantly drops on my score I work so hard to build.

I have had credit one for some time now. It’s the worst company to work with, they have absolutely no way to speak to a actual representative if you have a issue with something. They have a couple promps on their automated phone line which doesn’t cover any of the reasons I have called. My online portal is locked out, can’t pay online anymore whatsoever. And I need to speak to a representative but have no way of talking to one. I can’t wait to complete close these! Never using these cards again. All of my other cards are so easy to talk to a actual person. This one, forget it. Look elsewhere!

This is by far the worst of the worst when it comes to customer service and everything else!! I have had this stinky card for 15 years, always paid on time, all of a sudden there's a restriction on my card because I made a higher payment than I normally do, that already cleared my account 28 days ago, with proof of payment provided to credit one??? How is restricting my account for my "Security"??? They're crooks, highway robbers, and con artists!!! They take your payment, use it to trade and make more money and refuse you access to your account!!! They're ready for a class action lawsuit! Closing my account and making sure all my friends and family do the same! Enough is enough!!!

So I was aware of the annual 99.00 fee. It was taken out when I first got the card. However, they have been taking 8.25 every MONTH for an annual fee. This was NOT explained nor did I see this in the fine print. Annual means yearly not monthly! So I'm now on hold for over 30 minutes because I'm demanding my yearly fee comes out once a year in which they claim it's not possible, but their website says It Is possible!

Credit One is a total joke. Like many others at one point I had credit issues. Yes, Credit One took a chance on me and, at the time, I appreciated it. Usually I did NOT pay my full balance each month; however, in June of 2022 I did. I paid $800.78 BEFORE the due date. A few days later I noticed that I had a balance on my account. Called Customer Service and I was told that was the interest I "would have paid" if I hadn't paid off the entire balance....WTH??!! I told them absolutely NO!!!! How are you gonna charge me interest AFTER I've paid the entire balance BEFORE THE DUE DATE??!! Yes, they removed the interest, but I can't help wondering how many other people they've done this to because I can't POSSIBLE be the only one??!! Told my boyfriend I'm SERIOUSLY considering a class action lawsuit!! My best advice...do NOT apply for this card IF you don't have to!!

I cannot speak. I am disabled and have been in hospitals and rehabs for a year. With medicals, the card has too many fees and I am unable to cancel by phone with no voice. I attempted in writing three times but that did not work. Trying again today.

I applied for a credit card with this company on July 10th online. Once I completed the online application, I was told that I needed to verify some information regarding the information submitted. I received two phone calls back to back but I couldn't answer because I was working. I called back and was told to call back the next day because they were closed. I called back the next day to be told that my application was denied because the phone number provided was a disconnected number. My phone has been in service for over 15 years with the same company. Don't waste your time or effort calling customer service. Now my credit score is affected for NOTHING. Poor company!

Yes, I understand that you must pay a horrible interest rate, and a ridiculous annual fee with Credit One Bank. They're taking a risk if your credit score is not high. However, you may be one of those that WANTS to build good credit AND pay on time. But their bank seems to do things in a way that seems like they're TRYING to make you fail. Unfortunately for me, I'm one of those people that DEPENDS on getting a statement. Get my statement to me, and I'll pay consistently. They couldn't do it regular mail, so I went paperless. That didn't work either. I just got online to see when my payment is due, and lo and behold... it was due three days ago. And imagine that, I got NOTHING telling my payment was coming up. Guess going paperless means going statement-less too.

I transferred the balance from my Credit One AmEx card to one with zero interest at the beginning of June. The payment posted twice so on June 13th I called Credit One for a refund check; they owed me just over $1100. The service rep assured me the check had been issued and I should expect it in 7-10 business days. Three weeks later on July 6th, I called wanting to know where my refund check was, and all the rep could tell me is that it's in "pending" status and to please wait another 7 business days for it to be shipped!! Ummm.... NO. I was told it was already issued and sent. I was transferred to a "supervisor" and was told he would personally research what is going on with the check and call me back within 24-48 hours. It is now July 12th and I have heard nothing. So now I have to call AGAIN to see where my $1100 is!! If you get this card, DO NOT over pay! You will play hell getting your money back.

I have had a Credit One card for almost two years now, and I just went onto the website and put in my log-in information and tried setting up a “remember device” option, and was sent a code via text message. I typed the exact code that was sent three separate times and was locked out of my account, although I got an email verification saying my device was successfully registered and was sent to a screen saying I needed to call customer services to be able to access my account again. I call and the man says I have to wait 72 hours to access my account again. I’m just irritated by the lack of care I was just given and I usually don’t leave reviews like this but this isn’t the first incident I have had with this company but this was truly a breaking point for me. I just wanted to share this with others because I wish I would’ve done my research before going through this company.

Each month I get charge a fee with a zero balance, I don’t want to close the card because it would negatively Hurt my credit score, but they are making money at my expense, I tried talking to them. They discontinued the fee for about three months after I threatened to close my account? This is the only credit card that has this monthly fee? It need to stop now!

While this company is a decent stepping stone for credit improvement, they take advantage of people who can’t get anything better. Their annual fees are ridiculous and so are their late fees. I keep the balance at zero on purpose, but I found random charges on there two or three times. Every time I called they would apologize and offer an extension on my credit, which I don’t need because I don’t use the thing. But they always removed the charges. My credit was excellent two months ago, but because of some random fee, they reported the payment as delinquent and knocked it down over 50 points. Why would I check the card when I’m never using it? I was furious and shut the thing down. I have none of these issues with Capital One. If you have to use them, cancel the account as soon as you can get something better.

This credit card is terrible. Their service is the worst. I reported a fraudulent charge of $ 152.73 and after a long investifation they decided not to credit the account. My advice is do not apply for this credit card, it is terrible, I wish I could give then a 0 but is not possible thats why I gave them a # 1.

My payment wasn’t even due and on a Sunday called me so early in the morning and when I didn’t answer because I was at church they kept calling me all day. Finally I got a call that I could pick up and it was harassment for no reason when my payment isn’t even due. It was just to stress me out and I don’t appreciate that call. For no reason just to have something to do they want to bother me. No thank you to this company; I’ll pay them off and never go to them again. They bothering my peace on my holy day for no reason just to disturb me.

First off if there was zero mark I would’ve gave them so that one star is not my true feelings. This won’t be short ok. I’m a apologize upfront but it’s all facts. They are quick to add fees just cause you looked at the card (the card is phony anyways). I had it for 3 months with a pitiful $300 limit (I’m starting over don’t judge me) and I used it 3x total. First monthly payment my bank account couldn’t link with them which isn’t my fault, as they state “We will send micro deposits to verify your account”. How convenient. These ** would get the .10 an .03 to me the day my bill is due. So I’m late. Next month I noticed my $300 limit is saying $370 (not limit) so I calls them and tell them exactly what happened and honestly I couldn’t tell you what they said cause you can’t understand them. I mean they’re most likely in a tent in Bangladesh.

I called and made a claim about a fraudulent charge that was done by someone else and somehow got a hold of my card. And yet this stupid bank is saying that they took the merchant's favor. As if I would lie about 21.99.

This is the worst company with the severely terrible customer service! I wish I never applied for this card. Customer run not walk away from applying to this company's credit card. There are hidden fees. They will freeze your account without notification when you have made many payments and you have to provide written proof of your account. Even though, they take your payment. When you provide the proof no one ever tells you that the account is activate again. If I had to do it over again, I would have never applied for this card with this company.

I bought this card to build credit some years back. I terminated my account a few months ago after paying the balance off (A card company usually doesn't even let you close until your balance is settled). Since Closure, my card was still building fees and charges - I called and they said a late charge went through afterwards. Since my account was closed - I never got notifications nor could I log into my account and I was buried with a ton of charges and fees. Nightmare support and support. Borderline fraudulent.

I've had this card for a little over a year. When I initially signed up, I was charged a $75 fee plus a $99 fee ALL AT ONCE. This is crazy being, the limit was only $500. Never even used the card at the time by the way. As soon as I activated it, I downloaded the app and there were the fees. Didn't really have a lot of money but I paid it piece by piece. Worst mistake. The fees on this card is astronomical!! I kept getting hit with $30 fees every time I logged in because of interest. If you don't pay the statement balance in full, you have will come to regret it. Also, I recently noticed a charge on my account that I didn't authorize. I don't even use this card anymore and don't know where it is so where did this charge come from? They also charge a monthly maintenance fee of $8 on top of the other fees.

Credit One repeatedly placed fraudulent balances on my account despite my account being paid in Full and not being used at all. Anytime I questioned the fraudulent charges, the charges would be drastically increased within 2 days time from $12 to nearly $100 or more. Credit One would then report the new 2 day old fraudulent charges in their notes and to the credit agency as months late. When I attempted call to find out why I was being charged ridiculous amounts, despite having NO balance and NOT utilizing my card? Or attempt to pay online(to avoid additional charges). The Credit One agent would get upset and locked my account, report false late payments statements to my credit and suspend my account.

Talking with Credit One Bank they want to take your whole bank card and SSI number for verification. SSI says no and if someone has your bank card number they can use it. Tell them to stop this nonsense and provide better security than this. Your credit is on the line. A lot of employees are working from home and jotting down numbers.

I had this credit card for about a year and a half. I was in good standing and never missed a payment. I just checked my credit report and it said the account has been closed. I checked my account info and everything looked fine. No notifications that it was closed. Nothing on my overview showed the account was closed. I tried using the chat bot. But the chat bot didn't do anything. It was frozen and just said "Credit One is typing..." forever. So I called the customer service and got someone in India. She said my account was closed because a payment I made didn't go through. I was never contacted in any way.

I highly recommend that you DO NOT start an account with this service. Make a hard pass. For 8 months I've tried to contact them online to set up online access. I set up this account to rebuild my credit. They are difficult to reach for anything other than to make a payment. Calls are "transferred" then dropped after a long wait. I have NEVER been able to access the account online. I called their customer service, there is always a language barrier that requires multiple repeats, and calls are inevitably dropped. I decided to pay it in full and never use it.

I applied for a Credit One Bank card, not knowing it was a secured card and a deposit was needed. Credit One Bank deducted $300 from my bank account. When I notice this transaction, I immediately called Credit One Bank and cancelled the card. I did not receive the credit card and I don't want it. I have called several times, each time speaking with a different person. The first person I spoke with said that I would receive my refund of $300 in 3 weeks. I said this was unacceptable and I requested to speak with a manager. The manager informed me that the information given was not correct and that I should receive my refund in seven business days. When I call back again a few days later. I was told that I would not receive my refund for 30 to 60 days.

I called the first time to dispute an item that was supposed to be canceled. I was told they didn't see the item on charge even though I looked at it on my transaction list and still not reversed. The rep said "I don't see anything, so have a nice day...goodbye" and hung up on me. Decided to write a letter to dispute afterward. Nearly three weeks later they sent me a letter requesting more information. Which I promptly sent back. After more weeks of waiting, I decided to call them and after getting disconnected several times I was greeted by women that put me through the same routine all over again.

I have had my card for 7 months. All of my payments have been on time and I have a zero balance. You promised me on paper and this is the only reason I applied for your card that you would double the credit limit in 7 months with on-time payments. Well I have done my part and now you have denied and not doing your part. You are basically lying. Your company is a lie. I will not use your credit card. I have a zero balance but I will not use your credit card until you raise my credit limit like you promised. Call me anytime. You got my number.

We pay this card each month and there's available credit on it. They take it and use it for something they say you owe. But what took the cake is when I started to pay my payment on the 6th of June. It was after 5pm. They had charged me a late fee. When I called them they told me I didn't pay before 5. What the hell. This company is a rip off. Please don't hesitate to pass this card up. It's no good. Too many fees that you don't know about.

Do not get this credit card!! They have hidden credit protection fees that they add that you never signed up for. They will not give you proof you did. It is a terrible card. All customer service are from India and they do not give a damn about you.

I got this card thinking is gonna be a good idea but NOPE IT WAS THE WORST I EVER MADE! Customer service is a joke when you try calling they laugh and they tell you you are wrong! Don’t waste your time.

I would give this company a ZERO but that's not an option!! Credit One Bank is fraudulent. I have been trying to receive a reversal for a transaction that happened in February. I sent in paperwork and a police report in (although I felt like it was discriminated against). I'm now being told that I need to send in a letter with the police report after calling 50 times for an update. Credit One customer service reps give you the run around time after time. I didn't think I would have to review this company before applying for a credit card. This is a lesson learned. ** is a great site. They also have lawyers that fight companies such as this fraudulent company. We need to get together for a class action lawsuit. I looked at their reviews and they have one star. They have been around since 1984 which says a lot.

First off I want to state I always make my payments on time. I lost my bank card and the auto pay did not go through, I did not realize I was 5 days late on a $30 payment. The company called me from a local area code 5 to 7 times a day, every day. You cannot imagine the amount stress I and confusion I had about this $30 late payment. When I called to speak to a supervisor about the payment and the harassing calls the representative put me on hold and after seven minutes before I was disconnected.

I had two credit cards from this roguish company, a Visa and Master Card. At first everything was normal for about two years but as the balances climbed up things began to go wrong. The Master Card had over $700+ charged on it while the Visa had over $1,800.00 on it. I started noticing that my balance wasn't going down on the Visa but instead going up even though I paid more than the minimum and a head of the due date. The Master Card had an earlier due date each month than the Visa Card had, so I started sending both payments at the same time in their own envelopes. Still the Visa would show a late payment charge to it.

I usually make my payment online. I know my security questions. I wrote them on an index card so wouldn't forget them. My User and Password I never changed, but for some reason I'm locked out of my account and I called customer service to reset from my Iphone so that whenever I get access to my computer I would make my payment.

I had 1 secured card and 1 unsecured card from this bank. Customer Services is the worst... Let me say that first. I swear every rep sounds the same and the paper they read off is infuriating. I have tried to request a refund on my secured card deposit which it has been months now and I still am fighting them. Every time I call, I am told to give them 7-10 business days... You mean 7-10 business months?! I have had issues contacting them and obtaining updated statements and it seems like all they know how to do is put someone on hold and come back with the same information they already provided you. If you are desperate, sure, go with them. But please look around first because this company is garbage. How do you earns points on a credit card but can't even use them?? This company is a joke!!

I have had many issues with them over the years I have had them. I've had them for years because they were my first line of credit and I don't want to lose that to impact my score. Before I had issues with their app, having issues again! I try signing into my account, they are supposed to send a code to my phone so I can log in and it never comes. I try to call customer service and they're almost always closed for maintenance. Try to find help online but all they give is blanket statements on how to sign in and give no actual help. The last time I was able to even reach customer service was a couple years back and they were no help at all. I ended up calling to pay my bill each month. Then they have ridiculous fees each year. It's not worth it. Avoid this company at all costs!

The WORST credit card ever you want to have, Sky high interest rate with a good score, you can never pay off the statement balance you pay it off and next statement is $8 due even if you don't used the card, your balance is never going to be -0-. I would not recommend this credit card even to my enemy STAY AWAY...

I called to report a fraud on one of my cards and come to find out the address did not match mine that they had on the computer. They had pulled my son's address from somewhere and linked it to my account. Well, this triggered a huge issue. Then two days later I received a call from the main office. The first lady told me that my accounts were now on hold. This was even after I just paid the card off again. I again asked to be transferred to a Mgr so the next lady got on the phone and told me that I needed to provide all types of ID and a letter from my bank. I told her that it is ridiculous and that they needed to correct the issue quickly. She told me that because I paid my cards from my company account and now that they have cleared my account until my bank letter was sent in, my account is frozen and would be close if I did not send this information in asap.

This bank is a joke. Customer Service NEVER Responds to messages, try to set up online access, you cannot, because the website software is garbage. A bunch of 6th grade kids could write better code as a class project.

While I’m sure this card may help those with bad credit, I only got it to use at gas stations while traveling. I made a payment on the card and everything seemed fine. About 10 days later I went to use the card again and it was denied. I called customer service and found out they had placed a block on my card, not allowing me to charge anything OR make anymore payments.

Horrible. They kept acting like they did not understand me (SHOCKER) and could not provide reason why my monies will not be returned so done. Y'all the scammers in real life and I hope no other person believes you are trying to help build credit cause that is a joke you

I have been with this bank for over 12 yr. And when asked them for a simple letter, they gave me a hard time. Mind you this is my acct. And needed this letter asap for the home that we are buying. Also I called them on Saturday 6 time and they kept hanging up the phone, today I call 5 times and still have the same s- this f people are on the other side of the world and they don't want to f work and you don't understand a f word they're saying, they are a disgrace. I will be paying them off and closing my acct. with them, "Beware."

I had the worst of worst experience with Credit One bank. They kept charging me over the top of some interest on some amount that I in first place wanted to dispute. Even after calling the bank many a times they did not put the transaction on dispute and started charging me interest on the amount. I consistently called their customer care and asked them to dispute the amount and they kept saying that they are waving the interest. I finally gave up and paid the whole amount and thought all my account is settled but in the absence of my knowledge they kept charging interest over the interest. Also the Sales Reps were pathetic to talk to and I felt as if no one was hearing on the other side. SR also asked me to go ahead and write the review as it won't bother them. I realized that there is no place to write a review for them thus using this platform to alert people to be saved from them.

I used Credit one for MANY years now. But the last year or so, I can't even use it. I get declined anywhere I go (even though I have a balance to cover). I have to either call them, which means being on hold for at least 10 min. Or just use a different pay method. Just cut it up like I did. No sense in having a card that works SOMETIMES. And customer service is horrible. I called 4 times just to get hung up on before I even speak to a real person.

I would not recommend this company. The good news was the absence of an annual fee. On the downside, I often can't use the card for online purchases even though I keep my balance 100% paid at all times. Next, I can't log in with the password that I know works unless I use my iPhone. I can't log in on my laptop. I just did password reset three times and it will not reset. I understand that the login is case sensitive as well as the password which is goofy but it still will not reset. Also, I tried several times to cancel paper statements and could NOT get the job done either spending a half-hour on the phone with customer service or through my online acct. I hate to cancel the card because they kindly took me when I was re-establishing my credit but they are such a pain. Did I mention you get no points for purchases?

I opened my account two years ago, ever since I made all my payments on time if not sooner and my credit report shows that I have exceptional payments history with all my 18 accounts. Every credit card I have keep raising my credit limit except with credit one. They have horrible customer service representatives, outdated website and app. Personally I think it's against the fair credit act laws what they doing. Stay away from this bank it gets you nowhere, it's a dead end street with 300 dollar limit and charges overcharges

If you're considering getting a card from Credit One Bank DON'T! They make it super easy but they also charge you insane amount of fees and interest. They charge for EVERYTHING! They even charge for a credit lint increase that they offer to you. I accepted a card, almost a month later I still don't have my card but they manage to put a $95.00 fee on it already, again I don't even have my card yet and it's been almost a month and since I don't have my card thus I can't activate the card.

Do not sign up for this credit card. I have enough credit cards but signed up for this one because they supposedly give a percentage back to Best Friends Animal Sanctuary in Kanab, Utah, and I love what that organization does for animals. Anyway, I got an email from them with an offer of a $25 statement credit if I spent $500 in the month of April. It said no login required, just click to activate. I checked the email over very carefully, looked legit. I clicked. It took me to the Credit One login page. So much for no login required. I called their customer service number to find out what was going on. After two hours and five phone calls, I was told it was a scam by five different customer service reps including a manager. Finally, the last rep in the fraud department dug a little deeper only to find out that it is a legit offer for select customers!! Why did it take two hours and five reps to discover this??? Do not get this card. I will be canceling mine.

This credit card company is by far the WORST company I have dealt with regarding credit history. Let me break down to you EVERYTHING you need to know and my experience for those considering to be involved with this card company and their options of cards. I was recommended the “Platinum” card through Credit Karma as a “build credit” card so I proceeded to apply with them. Approval and registration process was simple with the company, and BOY OH BOY I should’ve known from the jump with the APR the crap show I was about to experience with this company (details of the specific card I had below).

Had an AMEX account and attempted to schedule a payment on April 7th for a later date but went past the date calendar and attempted to cancel but the payment posted immediately and called to see if they could cancel on their end and was told that they could not and I was instructed to contact my bank to have the payment refused.

I applied for this card when my credit was just miserable. I don't believe I was above 550. I received the card and started making purchases and paying them off immediately. Now remember, not only are you paying back your bills and any interest, but you are also paying almost $10 just to have the card. Not exactly easy for someone who is obviously in bad financial shape.

I'd like to elect 0 stars. Credit One is the worst company. Fraudulent charges hit my account for months and months. Admittedly I should have watched my account much closer, however, when I discovered the charges, I was refunded within 24 hours. I have been fighting to get my money back (that I also and they owe me) for 6 weeks! Worst customer service, worst experience I have ever had with a company.

I went to pay my cards and without my knowledge they were closed. I have paid early and on time for the past 2 years. When I spoke to someone I was told that they couldn't do anything about it. This is after I tried to contact customer service several times via Facebook because you can not get a live person. Fine with me. I'll pay them off this week and be done with this high Apr. Wow. Thank goodness I don't have to deal with them.

DO NOT get this card. You will deal with a bunch of scammers from India and Vietnam and they WILL STEAL your personal information and money. TRUST ME- DO NOT GET THIS CARD and save yourself the headaches.

I would give 0 stars if that was an option. Besides the absurd fees, the customer service could not be any more frustrating. I have not been able to connect to the app for over 2 months. I went to the website to try to access my account in fear I was being bombarded with late fees etc.. I could not access my account there either. Password recovery was painful and after all that, I was still unable to log in after setting a new password. I called customer support, firstly there were no menu options to speak to representative and every number listed on the customer support page goes to the same menu. I stayed on the line for maybe 10 minutes letting the menu options cycle and eventually my call was received overseas by a representative who would not even listen to my issues without announcing my full SS# over the phone (even though I had to enter it to even initiate the call).

I can't wait to get rid of this credit card! Every month I get back to back phone calls the day the bill is due. I tried explaining that I paid on the website and have a confirmation email, I am at work but will check once I get home later. I was constantly urged to go ahead and pay the bill over the phone now and that no payment went through. I repeated multiple times. I will double check once I get home, and to please not blow up my phone the day the bill is due. After discussing that I am at work some more and explaining again how I paid and the method I used, they hung up. So frustrating and unprofessional. I felt like I was dealing with a telemarketer. There was no previous option for auto pay.

Recently I have applied for a credit one credit card online thru credit Karma. I got approved for it at a 1,000 limit. However, every time I called up I could not hardly understand them (language barrier). I noticed that the interest rates was over the top so I decided to close both of my accounts and pay them thru the refinancing of my home. When I sent in the check from the escrow account they had reversed the accounts and ended up getting charged for late payments which reflected on my credit status. So I called them up and explained to them what happened and they did not want to give a credit of the late payment fees. I demanded they do and would not accept anything less.

My colleague avail small finance service and put my number as a reference as I knew it later. Now he didn't repay the amount as due to some financial crisis and now they called me every single minute and asking for money and harassing also using abusive language and sometime threatening.

This bank will give you a credit card and leave you alone but do not expect much in return. I urgently needed a letter stating my current credit card balance and the company could only snail mail me one or fax me one within 24-72 hours. They took the full 72 hours despite several calls to them. Capital One could email me one in 2 minutes. They seem behind in technology and the customer service suffers.

Things you need to know that I did not.

First, they make you wait 2 weeks for a card you may or may not get. I called customer service line for lost cards because of this exact situation, and --after all that waiting, following instructions to call if card wasn't received and much wrangling with an ESL rep, lots of frustration-- I just decided I didn't want the acct anymore. Rep said they said they couldn't cancel because I didn't actually receive a card. I insisted, so rep continued asking for information I'd already provided direct to him. Worse, he couldn't guarantee that I wouldn't be charged the absolutely insane amount of $75/year in one lump sum. Attempting to increase my credit score, high hopes of buying my own home eventually, but with this sort of company --one which rips peoples' money from them without even having an account-- should be avoided at all costs! Now, to call the bank and deny any attempted charges from them! This company was always shady, at best, thieves at worst.

I have been fighting with the company to close my credit card over over 4 months now. Fees keep racking up and they will not close account. They keep telling me it closed but not delinquent on my credit report. You can not talk to anyone here in the US.

Worst credit card I have ever had. I would not recommend this card to anybody. They do not update your credit scores when you make on Time payments. All it has done is drive my credit score down since I got the card

All I have to say was I was stupid getting credit from them. Don't do it. Not worth it. Get a secured card if you have to!!!! They will sue you for a higher amount. Yes but God is good my case was dismissed!!!!

Terrible. They never do credit increases, you have to pay to have immediate credit available after making a payment or else it takes 7 days to post. The app never works and customer service is terrible. Get a secured with Capital One credit card if you’re looking to build credit. I now have excellent credit and my credit limit is $600! I have capital one now with a credit line of 15,000. I would cancel this card, but it would drop my score. LOOK ELSEWHERE!

Used Their card for $225, set their auto pay up multiple times and then on the phone with them and before anything could even be resolved they sold the account to a collections company that wants upwards of $700. Then from the remarks on my credit another company with no balance specifically dropped an account with them because of the Issue. Best bet stay away. I read the warnings on them and ignored them. Don't make the same mistake. If they wanted their money they would have left the auto pay alone. Have a great day.

I will keep this short and sweet. Credit One froze my account because I paid off my card too quickly each month. They would not re-instate the account unless I provided them with 3 forms of verification that it was me paying off my account with a letter written by me saying the same. So after speaking to 4 different "supervisors" I have closed my account. If you pay off your card on time or early like myself plan on it being frozen with this company unless to show them everything but your blood type proving that its you paying your own bill.

All issues and are concerns have been resolved for this company.

My credit card account with Credit One was recently paid off 4 months ago and I have not used it. I was keeping the card since it looks good to have a credit card paid off. In the past several months I have been billed $8.53/ .30 cents on a card I am not currently using. Just this evening 2/24/2022, I notice another statement e-mailed to me for .30 cents. I would recommend anyone who needs to build their credit to refrain from using this company. I have never heard of anyone charging .30 cents for a credit card you are not utilizing. To make matters worst, I am being charged $5.45 cent for processing fees on .30 cent bill. This is what you call corporate greed by taking advantage of 99% of the working class in America.

I have had this card a few months, basic and it did the job. I thought it was me, every time I logged in I was having issues (using Chrome and THEIR APP). Login ID nor PASSWORD would never save, and go to the 'forgot ID/password' ... you must receive and enter a sms with a code ... NEVER received them. Call an agent... they say they have to update info (even though all of the info matched). If ya miss payments they can SUCCESSFULLY CALL 10+ times a day, but a robot cannot send a text to the same phone number they call, weird right? After months of trying and never being able to login on my own, trying to have the issue resolved by people who cannot understand THERE WAS NEVER ANYTHING TO UPDATE, and their general disregard for their customers, I'll pay it off and close it. I'll go almost anywhere else in the future.

Asked to have my billing date changed, got a bunch of crap saying, 2 month billing cycle! Always someone that does not speak decent English! Closed the account! Overcharge for everything! STAY AWAY FROM THEM!

I got a credit card from them that I did not want so I shredded it thinking that I didn't activate the card that I was good. Then I get a bill in the mail for the $75 annual fee. This is **! I talked to some ladies that were hard to understand, they kept asking me the same questions over and over. So I don't know if they closed this account or not or took off the charge. I will wait to see and the next move will be the BBB.

This is by far the worst credit card ever. They operate like a scam. Do not use this card. If you need something to build your credit, use Capital One instead. This company froze my account after I paid my balance. They said they needed to "verify" my Chase banking account b/c it's a new credit card and required proof from the bank that I had an account there after they withdrew my payment. Why would any credit card company require a letter from the bank that my account is my account. Now I am unable to use my card until I submit a letter and yet my balance is fully paid and they took their yearly fee. It's like a damn scam and no reputable credit card company would do that. I can't cancel b/c it will affect my credit score. Please do not get this card!

This credit card company suspended my account and blocked my online access for no reason. Then requested that I send in copies of my utility bill & driver license. Once I did this I called and they said it was not sufficient, to send in additional docs. Once I did this I called back weeks later and they said they received part of the docs and not all when they were all sent in the same envelope. I cannot cancel the card because they say it will show on my credit report as being cancelled by the cardholder which is negative. Do not use this card company.

The worst credit card you can ever get. By far you’re better off with a Walmart card. It takes forever for them to raise your limit. I have five card. This is the worst one out the batch. Beware. Save yourself (I told you so).

Hide important details about the customer, high interest and annual fees. I hope someone provide me how I can close my account because I call them on this number 1-877-825-3242 and I can't speak with representatives.

They actually deserve negative stars not even one. I have been waiting over 5 months for an over payment of $35, after threatening legal action I actually got a check in the mail, within 3 days they put a stop payment on it, so now they owe me $35 + bank fees. Called them and no one has an answer. Gave given them 48 hours before legal action and more. Have closed the account, STAY AWAY! No one needs a credit card this bad! There are others out there.

Please do yourself a favor and DO NOT get this credit card. I have had several low-base credit cards and this is the absolute worse by far. Firstly, they do not make it easy to put your bank account on their credit line. Secondly, they want you to pay that extra $8 service fee if you can't verify your bank account. I've tried THREE separate bank accounts and they all did not work through this credit card company. Lastly, the company will close your account if you miss 1 payment.

I was approved for a card July 2021. Never received card. Called about 20 times no exaggeration and I was told it was mailed out every time and I have never received the card. If this is not scam I don't know what to call it. You call the company and you're verified all the time and your personal info can be used. So frustrated.

I just set up a credit card account with Credit one bank. I set up for auto pay using my checking account so I wouldn’t incur any late fees. The first month I got a notice that my payment had been returned due to a closed bank account. I called immediately letting them know I’d had the same checking account for over a dozen years, there is no way it was closed. They stated that they had inverted some of my account numbers and entered them in again. The next month I got the same message, I called back again just to find out they had still input my info in to their system incorrectly!!!

Called to get a check from Credit One Bank and was told that they did not verify checks. The customer service rep continued to try to help but then hung up on us. Called back a second time and was told they do not verify checks and was hung up on once again.

This card has a terrible annual fee. You can get a credit card that you are not paying a fortune to carry. Plus their customer service is always in India, and they will not transfer you to the US. The site is always down, so if you can't pay your bill online, expect to have to call and wait on hold. My husband has a card also, so I know it is not just me. They need a better software developer for sure! Use Capital One instead!

I had this card and made my payments on time until Covid hit. I closed the account six, it shows as closed, yet my balance has now tripled because all of a sudden my 30 dollar minimum became 150, which I could not afford to pay 150 dollars that would only go towards interest that should not be that high and now, even closed, because I have missed paying the damned minimum, even though I am making no purchases and the account is closed they keep taking the damned minimum onto my balance. I owed 260 when my account was closed. I now owe 700 and my minimum has been raised to 450.

Credit One Bank customer service is lacking. Small things like a change in address are time consuming. The company outsources to India from what I can gather. The people have some issues communicating and many times leave the customer on hold for too long. The bank almost never increases account limits without some sort of payment by the consumer. They prey on people who seem to have no other choice. I called the automated line. There is no choice for cancelling the card or just plain "Customer Service". I ended up pressing "7" for reporting lost or stolen cards. I was on hold for about 5 minutes waiting and when I did get an agent, he sounded drugged.

I should've done my research and I now regret it. The WORST card I have ever had. I opened the card summer of 2021, received a limit raise after two months, always paid on time. By November 2021 there was a hold on my card. I tried to use my card and it was denied with no warning. Embarrassing. No fraudulent activity, no letter in the mail. I called their customer service. Just awful, it sounds like everyone is working from home and could not care less about their jobs. I've asked what I needed to do, "submit a copy of your ID so we can verify your info." Ok, no problem. I do it right when we hang up. I'm told 7-10 business days. I call back two weeks later. "We need a copy of a utility bill with your name and address on it."

I have been attempting to contact customer service for 2 months just to set up my online access. I have been unable to do so. I keep getting transferred around to more people that don't know what to do. I have to pay $8 just to make a payment on the phone. No one knows what to do. Apparently they don't want me to have access to my account and want me to pay the fee to speak to a rep that I can't even understand.

No one speaks or understands English, they say they will look into it and call you back but never call back. I attempted to use my card 12/12/2021. My account was current, I was not over limit and had received no notification of any issue with my account. When I called I was told they needed to verify my identification. I needed to send a copy of my driver's license and current utility bill thru the website. I have now sent the documents 12 times by fax, email and the website.

The company says that you're approved then does nothing to finish the process for certain individuals. Even if they need more information they just do not contact you. When you call there you get no information. They put a hard inquiry on my credit report twice for being approved and I still have not received a card or been contacted. After they falsely pre approve you for a marketing scam they sift through the applications and pick and choose certain ones, while just ignoring others. After they do the hard inquiry and lower your score there is no information available. I tried calling and all you get is it's in process, with no answers or guidance. Then they did a 2nd hard inquiry on my credit report for no reason. What a scam! Stay away from this company at all costs.

It's been a week since access to my account has been unavailable. I've never been late with a payment ever, always pay earlier than due. I've spoke with at least 9 people at this company. Reset password over and over. Had this card for a few years used it recently that's when problems with access started. Maybe they don't want you to access card online after use, I don't know but this is a crazy way to run a company. I will keep my reviews coming until they fix this problem.

Reps have lied who work there, payments take a long time to post, unprofessional staff, seriously all rules set up to have you paying crazy interest and fees, and credit reports are not true because they aren't aligned with none of the credit bureaus results. Don't waste your time and stress over them. Get someone more reliable like Capital One or American Express. Haven't had this trouble with AE or CO credit card companies.

They denied me a card. Said my score was 393. That's a lie. I just paid off a loan 12/30/2021. Re did a new one. Bought fiancee a car and was shown three scores, one for 500, one for 521, one for 563. You're wrong.

Have had nothing but trash service from this company. Since I opened the account their customer service is trash. Steady pay on a card that I'm unable to use. Had the card a day. Used it once and they put a fraud alert on it. Beware. Stay away from this company.

I applied for this card in the summer of 2021 because it was recommended to work on repairing my credit. Because I'm trying to improve my credit, I pay my bills on time every month usually a day or two before they are due. Unfortunately credit one bank has failed at making this easy. Initially, I would pay using their standard payment method. Within 2-3 days later I'd get a call saying that my payment was rejected due to insufficient funds. I'd always have money on the account. This happened 2 or 3 times before I decided to pay using their express payment system. The first time everything was OK. The 2nd time, I got my confirmation and checked to make sure the money came out and saw the charge on my debit card.

The absolute most frustrating calls I have ever made. Credit One bank was trying to pull Payment from a very old bank card. When that wouldn't go through, instead of contacting me they tried pulling from my savings (never gave that info). After speaking to my bank they blocked Credit One from pulling anything from my savings. In the interim I called four times to make payment, they again tried pulling from an old closed account. I paid my card in full each month. I have contacted Credit One 4 different times to no avail. Not one English speaking person. I could not understand The person and they could not understand me. Finally the supervisor hung up on me without resolving my issue. No explanation as to why they were pulling from a old closed account? No explanation! I will close this account and never open again. Horrible experience.

I had their card about 4 years. The credit limit was only $1000 with annual fee of $39. Since I have other high limit card and I don't use Credit One Bank card, I called them and closed on November 17 2021 before the annual fee due date due. Date was December 2 2021. Now it shows $67 (39 plus any late fee) balance on my credit report... All they want is money.. What a terrible company. I would give them 0 star if I could...

Do not get a credit card from Credit One. 1.) If your credit card is paid off they charge you an $8 monthly fee 2.) If you pay after a deadline time on the day it's due they charge $30 even though you paid on the day it was due and if you didn't know they will only give you half of it back. 3.) They charge high interest and a yearly fee. Not worth going to for a credit card

Listen folks you may not know me but I promise you I'd never steer you wrong. Whatever you do stay away from these people because will lie to you, I was called by a supervisor Mr. ** and my last name isn't nowhere close to **, was told my card would be sent expedited shipping after I reluctantly agreed to a $19 expedited shipping fee only to find out 2 days later it wasn't sent expedited shipping but regular mail and only Credit One Bank Credit Cards take almost 2 weeks to come through regular mail and never in my life have I ever known a credit card company to take d*MN near 2 weeks to receive a card through regular mail.

Had problem login in since day one. Interminable phone calls extending to 3 hours clock and leaving the problem unresolved. Arrogance and ignorance are the best virtues of the customer service. Screaming and yelling over the phone, hung ups and other sort of diabolic mixture not condoned by the financial world are very common here. Since the workers are mostly located in the Philippines and or India, it is very common that these individuals mix native and English words resulting in a new incomprehensible language. Technical support is never there and I have doubts that exists. Overall very, very, very dissatisfied with the Bank which I give Zero stars. There`s better companies out there. Since it is the end of the year, this company will be analyzed closely.

Ok. So, I received a preapproved offer in the mail. Applied got approved. I honestly believed I was applying for a Capital One card. I even called Capital One and they kept telling me that they had no account with the info I provided. I became scared I’d had been scammed. So I called the number on the back of the card. Kept getting hung up on. I had let the card sit and didn’t use it. After a few weeks I thought I better activate the card and called the number on the back of the card only to find out I had a balance. A 109.00 balance. My bad. I didn’t read the fine print. Also, the due date was the day before I made the call. Total panic.

I have had my Credit One Platinum Card for a year now. I finally asked for a credit line increase...denied. I'm in the positive ten cents actually money wise, in good standing, also no payments due. I have been working so hard on my credit score and finally for once asked for a credit line increase with no intent on using the extra credit line increase just wanted to have it to boost my score and they refuse to help. Bad service...looking into better credit cards now that would be more helpful and beneficial.

Long story short, huge mistakes in my youth and missed chances to grow because of ignorance caused me to not only make my life harder, but to also scare me away from thinking any bank in the world will even talk to me. I have finally opened a successful bank account with a local credit union, started looking at credit much more seriously and developed a huge drive to not only fix my credit, but to get approved for the best cards I NEVER DREAMED of getting approved for before, and all of this is thank to Credit One giving me a yes on my application.

I have had the card a few years. They kept adding some credit protection to the card and I a few times called to cancel it and they cancel for a few months and then sneak it back on. Today called to cancel card and the lady tried to save it but I said please cancel and she hung up. Called back and suddenly asked for my full social, date of birth, etc and said it’s already cancelled. Go on the app it’s still active. Call back to cancel again and they hung up on me again

This has been the worst customer service experience I have ever received from any bank. First they send me a pre-approved offer, I proceed to complete the application and it was approved, after several weeks I receive an email notifying that the card was sent and should arrive by October 24, today November 4 arrives a statement and the card never arrived. I contact the bank and they tell me that the card has an alert because they need to corroborate my address in which they ask me for a water or electricity bill, Social Security card and driver's license to be able to send the card.

I have two cards with Credit One and for the most part it has been fine. In the last 14 months I have not received any credit increases. I am not sure as to why and yet I'm seeing on here people that have had their Credit One Card for a few months and getting $1500 increases. I never go over 10-15% each month and pay it off every month with the exception of a time or two. My one credit card that is two years old has never receieved a credit increase. I have called to see why and they don't give me a reason except I'll get a notice online and I called today to complain that I never get notices and all of a sudden I go on my account and there is my notices for not having an increase due to not meeting their criteria... I don't know what the criteria is and it's getting really frustrating. I've been with this company for four years now. Thanks for nothing Credit one. You guys are not that great!

Don't open an account. Worst card I've ever had. Customer service is hard to understand and not helpful. They make up whatever they want because the agreement says they can close your account for ANY reason without notice. They don't give credit line increases. I had them for a year and a half, with perfect payments, I didn't have a high balance and was told I didn't qualify for a line increase because I didn't have the card long enough. This is after a year and a half. I called 4 times in a month to complain about this so they closed my account without notice. This affected my credit so please be careful. They are not a good company to work with.

I've only been doing business with Credit One for a few months but thus far, I have had nothing but positive experiences with them. Their website is easy to navigate and their customer service is friendly. Yes, the rates are a bit high but for those of us rebuilding our credit, that's the nature of the beast. I appreciate them for taking a chance on me when no one else would. All-in-all, I think Credit One is a great bank to do business with if you're trying to rebuild your credit or trying to establish credit.

When I got this card there was no mention of an annual fee this is why I selected the card. Not the case bait and switch as I was charged an annual fee. Company is a pain to deal with. Customer service people are hard to understand most likely because outsourced outside of the USA. Company states regular review of your credit history with them and automatic credit limit increase. Again not the case. STAY AWAY. Better cards to be gotten if you look. Unfortunately my credit is just being rebuilt because for medical bills and I have no choice but to pay the fee and keep the card for now.

I have been a customer of Credit One for the past 5 years. I have never been late and I keep a running balance under 10% of total available credit. I went to use my card at Dillard's today and it declined. I subsequently called the credit card company and after asking me five different questions to verify my identity they stated my card is restricted because they have not received a copy of my driver's license and a copy of my electric bill..WTF?? I have been a customer for 5yrs. Never late and never over my limit and you restrict my use without informing me and subsequently embarrassing me as if I am destitute. Well CREDIT ONE you lost a valued customer. I cut up both cards and threw them in the trash. I will pay the remaining 10% I owe but please NEVER EVER contact me again...

I make my payments by the 18th of each month, I haven’t been late once and every month I get 10-15 calls a week from them asking if they can process my card over the phone and make a payment on the card and put a 50$ hold on my card.

I have a Credit One credit card with a $300 limit. Three months ago I paid all my credit cards at all, and my credit rating score made a great leap forward. I open up the credit one account just to build my credit, Yes they did not report that I have paid them in full for almost 30+ days, while the other credit cards that I have updated my account immediately. I missed a payment two years ago right at the beginning of Covid, and it began making extra payments to pay off my credit debt. Credit one never failed to call me if I was one minute late. So when I paid all my credit cards off, I didn’t receive any calls, I did not receive an invoice, and logically I presume that I didn’t know anything to any of my credit cards.

The only way to talk about your account and issue is Via phone. Tried to make several payments thru app and online and it claims bank account issues. I then get charged late fees. Called my financial institution and they say: Credit One hasn't requested any payment requests. Call them back and claimed it is still the my bank. I have to pay an express fee $7.95, if I use my debit card or speak with Credit One. Their response. You signed and agreed to their terms. AWFUL! No problem taking check information over the phone RIGHT. Whole family has these cards!!!! Paying off and cutting them loose!!!

I've had this card for a few years. I use it sometimes to pay for supplies for my business. I like to pay off the balance every other week. This week I tried to pay off the balance, and they suspended my card. It says I have exceeded the ACH limit! What the **! They obviously don't want the balance paid so they can keep charging me interest. I called customer service and was told I could make a payment today, NOT TRUE! It won't let me pay off the $280 balance. And I can't use the card, so as soon as I can pay off the balance I am closing this account. Capital One lets me pay everyday if I want to.

I’ve been a customer with Credit one for over 3 years with 2 accounts. I was declined a credit increase each time it was requested. I make well over The average salary yet have only been given a limit of under 900$!!! Each time when asked why am I being declined I am given the run around and never a direct answer. And before you ask YES I AM OF COLOR!!

I've had this card for the better part of 8 years and did not use it for the last 12 months to avoid any balances or fees, for a $ 300.00 card I've been paying the $8.32 per month "Annual Fee" (yes they charge that monthly) that appears in the card, somewhere around $104 dollars for a $300.00 card? - Decided not to use it, had No Balance whatsoever for the past 12 months, and tried to cancel the first time, then I kept getting the bill and called in a second time to cancel. Hopefully the third time is the charm. Their website offers NO information on how to close an account and when called you are confronted with an offer of "6 months no monthly fees". Declined the offer twice, and I hope this time they get the idea of canceling and close the account -- Never again with this card as I will make a sincere effort to talk to anyone slightly interested to get it and warn them about my experience.

I paid my $194 balance 4 days ago. The payment is reflected on Credit One's website and cleared my bank, yet Credit One says I have $9 available. The money that I paid will be available in another 3 days. I work in banking so I know there is no reason why it should take a week for me to be able to use my card. I plan on canceling this card once the year is up.

So, I've has this card going on 2 years now, and to be honest, I rarely use it. I pay in full monthly if I use it. So, I actually requested a CLI because that little limit they offer is not worth it to be in my wallet. They denied it, and I was truly shocked. You saying the 2 other major cc I have can offer $5000 or more, but you offer $600. Not worth it. Will be closing. Only got it to build when I did have some hiccups, but my credit score either didn't change or was lowered because they didn't even report proper data to the 3 major bureaus. So, yeah, I'm going to give them card back and I'll continue to work with Capital One.

This Credit One Bank card has done nothing but hurt my credit score. My score has dropped over 50 points over the past few months even after making on time payments, they do not report proper balance and payments to the 3 credit bureaus for weeks. Their credit one portal lies about balances and payments. I have written several disputes against this company, worst mistake I ever made. I have a $ 60.00 balance with this company. As soon as I pay that balance I will close this account. Hoping to never hear from them again, S.M.H

Approved for an initial $300 limit. I called for a credit line increase and was denied after 13 on time payments with no issues. The notice read "Insufficient time since account was opened" (after 13 months?). Bottom line is, this card is useless and customer service is a complete joke. I would stay clear and NOT recommend this card for any reason.

I have been with this bank for over a year. Never been late on my payments, all way been early on my payments. I have never been offered a increase, they charge a crazy amount on interest. When you called to talk to someone at the bank you can't understand. It's just the worst bank of ever had to deal with. I do not recommend this company. But there are other companies out there a lot better.. But that's my review.

I paid my credit card bill over the monthly payment due 2 times and both times they returned my payment so I paid the minimum amount due on the due date and they returned my payment again and close the account. It makes no sense. I have never heard of collector turning down money. So strange to me. I’m rebuilding my credit. I think they are designed for you to fail. They close my account and asked a representative if you pay do they delete off your credit report and of course they don’t delete off your credit report. Such a disappointment. If you rebuilding your credit or just starting building credit stay far, far, far away from Credit One. Truly a bad experience. Beware of this company. Very bad company to deal with if you get a credit card.

As a customer, I had a claim that I was inquiring about and each time I was hung up on and no one seems to want to answer my question or assist with my need. When I ask what could be done they either hung up or claim they could not hear me. After calling for 7th time, after being hung on, I ask to speak to manager because at this point I'm livid and they transfer me to the Claims Dept. which I thought that's who I was talking to. When I ask to speak to manager they put me on hold and they eventually hung up. I have never been treated so poorly by a business. It should be a customer service class to those who need improvement. I worked in customer service and that's something we never do. Names were (Brian, Jerry, seems like the name I was giving every time). I'm cancelling my account. Capital One all the way.

I’m not going to write a book about why they suck! Pray to God you don’t need a replacement card. Because it will take two months just to get it. And make sure you don’t ask for a supervisor. I was told on the phone customers can’t talk to supervisor. That’s a no no. They told me I can’t cancel my account until I receive my new card. Lol. It’s not worth the headache. I know you're going to get all excited when they tell you that you have been approved for that big 500 dollars in the sky. .

I applied for and was approved for the Credit One platinum card in August 2020. They claimed they would review credit accounts in 6-months after consumers make 6 on time monthly payments and provide a CLI. This is untrue, as I have made 12 on time payments before the due date and paid in full each month. I just requested a CLI and was denied. I have been working on my credit and it is better than when I applied by 50 points. Nothing negative has been added to my report and 3 negative items were removed.

If you need a credit card that is reliable, do not get a credit one card. I will not bore you with a story but here are the facts. This week I have spent 12 hours on the phone and on hold with Credit One and my card is a measly $300. This is actually the amount of time over only 3 days. Their card is constantly denied at merchants or rejects merchants. A nightmare I wouldn't wish on my worst enemy.

They claim I have a pending payment yet there's no way to verify it. The website is very confusing to use. And there's no online chat to quickly take care of any issues. The $7.95 "express payment" fee is a scam.

This is my second card with Credit One. I see a lot of people bashing this bank. But they tell you everything upfront...you just have to do your part and read it. Yes there a lot of fees, but they take risks on a lot of people and get shafted by a lot of people. They gave me a card when most wouldn't. I have had ZERO issues with them. I know when I make a payment, it will take a few days to show on my available credit. No problem. These cards were not designed to live off of. If you can be responsible, this is a good card to rebuild your credit. Every time I check my credit file, both Credit One and Capitol One show exceptional payment history. It is allowing me to slowly build back the credit I so foolishly ruined.

Beware!!! I accepted an offer I received in the mail for a pre-approved credit card. Once I received the card, the card limit was lower than the "guaranteed" limit promised. There is an annual fee of $75, which was placed on the card right away. When I made my first payment on the card for the balance in full, the card was immediately suspended for a "suspicious payment." However, they don't call or send a notice of any kind, you just can't use the card. Credit One wants a bank statement AS-IS, with all the transactions and balances, and wanted me to also include my FULL bank account number and routing number.

I was happy to have an AMEX card with this bank at first. I knew of the fees. No problem there. But the other credit cards I own, as long as I pay by the date listed. No problem. This company charged me a late fee for paying on the date the bill was due. I'm on SSDI and get paid every month on the 3rd. The date due was the 4th and was told BY A PERSON, that this wasn't a problem. I paid on the 4th to only find out that I was charged a $29 late fee. I called their phone number the next day. First to rescind the late fee, since this was my 2nd month owning this card and the other was to move the day of payment, just 2 to 4 days, because people on SSI or SSDI, get paid once a month and you pay your bills then. Credit One Bank didn't wish to do either but by escalating the call and waiting the 1.5 to 2 hrs, I got them both changed.

Credit One Bank specializes in credit card banking for customers with less than perfect credit. Their main offering is low line-of-credit cards for customers who want to rebuild their credit. Their business strategy is great for short term (less than one year), but beyond 1 year, doesn't make any sense to use. For example, at the end of 1 calendar year as an account holder, they'll bill you $39 annual fee. If your balance is $0, and you never use the card, you might forget this $39 fee exists, and not pay it. After so many days overdue, they'll add a $20 late fee. And if your bank should be low on funds, a $35 returned item fee. So now we're at $94 in fees, all because one $39 charge didn't go through.

I was devastated because I was a value customer at the time until I learn this I call the next day & explain to customer service that I always pay my credit card on time & early. I was told the reason they close my account because a few payments didn't go through which the bank doesn't take payment until the following day. Which I don't understand that either. & I said because other bills was due at the same time, it was just a error but I still don't see the problem if I'm always making payments early & I'm never late. I don't have this problem with my other credit cards. Credit One sucks, this company wasted my time & money. I wouldn't recommend them to anyone. They close my account for no reason. Credit One don't get no stars for me. Disgusted.

I attempted to use the card online and was declined many times. The purchase amount was less than my available credit. I talked to 2- reps, 1 supervisor, and two managers that all gave me inconsistent info and I still can't use the card. They advised my cash advance balance is $75. I let them know the transaction I am making is not a cash advance. I explained I don't have a PIN to this card and never intend on getting on. I was then told that this card is intelligible for balance transfers. I am not trying to deposit money to another credit card or a bank account. All their reps said nothing is wrong with the card and I should be able to use it. I then called the merchant where the transaction was attempting to be made and they confirmed that using a credit card for transactions on their site are not tied to cash advances or cash deposits.

So first off, I’ve been a customer for a year now and I am transferring this account to USAA. These people charge a BIG annual fee, and a fee to pay the bill over the phone. They call you like every two days within the billing cycle if you are behind. I found this out after my debit account was deactivated by my bank for fraud. It’s a family owned business because I have gotten the same four people so far with lots of background clutter. Very pushy and greedy even after I told him the issue.

I recently signed up for the credit card and now received it in the mail. As I am trying to set it up for use with the app, I keep getting error messages saying “for security reasons… blah, blah, blah. Call this number.” So I call the customer service number they provided and it prompts me through until I put in the last 4 of my social security number. Click. The call ended. So, I called back and got a little bit further that time. It rang for a second, then went silent for nearly a minute, and then hung up. I tried for a third and final time and got the same result as the first time. As stated in the title of the review, not off to a great start, Credit One!

2 stars because they approve you for a $300 credit card even if your credit score is low, but with the highest APR of any bank. I had a score of 540 when I opened an account with them and one time I had a payment returned and within a week my credit balance was $563 meaning I was on -$263. My score took a knock to the lowest of lows. This credit card is a business venture and not a way for you if you struggling to make ends meet! The customer service is run from India I presume so you won’t get any help, if you eventually get someone on the line and you ask them too much they just hang up!

After having a bankruptcy I was happy to get things moving along with a new credit card from Credit One. I tried to maintain perfect credit payments, but my attempts actually cost me in a big way. I wound up trying to pay my card off entirely each month, 2 payments reversed from my bank because it was in the overdraft zone. What happened next was my card was closed, my credit score sank to new lows and my life was thrown back into a place I don't wish anyone. I tried to explain the situation to Credit One, but they were not helpful and they blamed the bank. I paid my bill in full soon after. For 2 years I tried reapplying because this is the next card in the steps to rebuilding credit. I kept getting run around and error codes.

I had made online purchases. The purchase did not happen but was changed they still. Doing an investigation. Honey they close. Lost of money. Would not refer their service to my worst enemies. I have credit cards with Capital One online I love.

Instead of working with me to settle the account, customer service and management would rather send me to collections after the 180 days and I can make payment arrangements with a third party debt collector. No assistance offered to close the account.

I threw away $297 to pay off the balance to buy a phone. I have enough to pay the charge. In 2 days $100 of the payment will be on the account. So $197 is not available to use for SEVEN DAYS. And even if I had $150 the spending limit is TEN PERCENT.

Credit One Bank's phone support staff follow a script very closely. Deviating from it or asking for a manager will result in being put on hold, where each time I waited at least 10 minutes before terminating the call. If you have a problem with Credit One Bank, good luck either resolving it or closing your account.

So I signed up a few months ago and tried to setup monthly payments...NOT! So this month I was a day late after explaining I thought the minimum payment was automatic..NOT! I'm 80 years old and don't need this online crap or using my phone like a kid! So I made a monthly payment and can tell you now I am done with this ridiculous card! Oh and because I called today when I got the notice...$28 fee!! This should not be allowed in the world and I won't be a part of it! Lousy service with no way to set up an auto pay!! Oh yeah, I keeping this card...in the trash!!! BEWARE!!

No autopay. Applied twice for a credit line increase and have been denied but was offered a $1500 new line of credit. It doesn’t make sense. If they can offer me a new line of credit of $1500 then why can’t they increase my current account with them? None of the customer service representatives have an answer for this and I can’t get anywhere with asking for a higher up. My current account has always been on time and my credit score is above the 700s and I still can’t get a credit line increase on my current account. I don’t want a new credit card with a new limit. If they can offer that then they can increase my current. I have had nothing but problems with Credit One in the few years I’ve gone business with them.

This place is a scam. They never sent me a card. They said they sent it but it never showed, but the bill would show up. Had 2 or 3 replacement cards they said they sent. each time never showed but the bill would always show. Got a notice saying I had charged 300 and disputed it. They took it off and said they would send a replacement card. It never showed but the bill did with the original charges on it. Now it's in collections for 400 and I never received a card.

Credit One charges INTEREST on PAYMENTS!! After making the payment for the annual fee, interest was charged as "Interest charges on purchases." The "purchase" displayed was the PAYMENT for the ANNUAL FEE. This is patently wrong and possibly illegal.

I did not open the card with this company and they still trying to hold responsible for it. They won't take it off my credit. I'll advise nobody to go through this card company because they will mess up your credit and you did not even do it.

This has to be by far the WORST credit card company I've ever experienced. I recently got a new credit card with them, with a small credit line of $300. I have higher credit lines that I have never missed a payment. After 1 month I paid $100. Since I was 10 days late because of an issue with my deposit, I get SIX PHONE CALLS every 15-30 minutes in 2 hours. At first I didn't even know it was them. They did not leave any voicemails until the 6th phone call. I called them back and expressed how disturbing and creepy it was to get called, and they explained to me that they do it (for my sake) so that they don't report me negatively to the credit bureau. Which is understandable, but then she wanted to social security number and personal info.

Let me start by saying I am very thankful to Credit One for giving me the chance with no deposit on my initial card. I have had their card since December of 2019 and love it! I started with a $300 limit and used it wisely paying all fees on time and as of now have about 11 cards as they just approved me for $1500 on another card! I see many people complaining about fees and such, they make this VERY clear when you apply for the card. If you can't afford the fees...don't get the card. There are cards out there with no fees like the Capital One Secured Visa which is what I started on with a $250 deposit over a year ago.

I knew there was an annual fee when I signed up. I planned on just paying for the first year and then cancelling before they charged me an annual fee for the second year. The customer service is terrible. It takes too long to get past the automated system because there is no clear route to ask for a human representative. There is actually no option to choose from if you wanted to cancel your card. I had to choose to make an express payment just to get to someone.

My mistake was getting a credit card from a company that feeds on low income (disabled Vet) people by socking them with fees, penalties, and high interest. Stay away! They'll hurt your credit, Not help.

This co is shady! I lost my card that I pay my Credit One with so as a result that payment didn’t go through. I didn’t know. I found out a few days and paid double payment. They took it and still turned me over to collections! Never had bad credit. I’m 63. They are still taking money and I’m in collections! Looking for legal help.

I don't have anything negative to say about Credit One, I've never had a problem with them, I love my card. Simple application process and my card came in the mail quickly. I've read a few bad reviews therefore I was skeptical but so far I've never had a problem with them.

I am was approved for cc. After more than one year they suspend my account because they want to confirm my id. They approved two cc to me and they block two credit cards. One was $99 annual fee and they charge the annual fee. Later they block my account and refused refund the annual fee. I missed $140 for the two cards. I do not recommended deal with that bank. I never paid late.

Overall the card helps me with my credit but I noticed the 1% cash back rewards are not computed accurately, and that shows bad faith in dealing business with them. I have shop at well known places and the customer rep tells me the merchant might not participate in the cash back rewards which is false and then when I do get cash back, it's not the right amount. Shop at Wal-Mart for $54 and Credit One gave me 25 cents back when it supposed to be 54 cents because that would be the 1% cash back, I hope other customers are not getting schemed from their inadequate cash back rewards.

My experience with this company was never good. I was charged a late fee on my account AFTER I had already made a payment on the card. I called the service department and asked them to close the card. They offered to credit back the fee so I kept the account open. Within two months I called to close the card. Come to found out a month later the card was not showing as closed nor had they reported to the credit agencies.

I have used this credit card company to build credit. What a HUGE mistake! Customer service can be described as trying to deal with a box of rocks! They report to the credit bureaus that your payments are late when in fact they are not! I’m still trying to get my credit back because of the incorrect information they reported; I have never missed a payment nor have I been late even through a year long pandemic! I’m submitting this review for any individual within the sound of my words...DO NOT USE THIS COMPANY. YOU WILL REGRET IT!!!!

It's a scam. Yes, they'll send a card to get you started and they charge $9.72 per month and then another $35 yearly. Not even using the card. Be late one day with your $9.72 and get hit with $35 late fee. Try to get a human on the phone? Impossible. I had to get a lawyer to send a letter to cancel the account. It's a scam.

Interest rate is astronomical and never changes. Payments take over a week to reflect in available credit, unless you make an "express" payment with an additional fee of $10. Annual Fee for a bare minimum card. No features or any sort of perks. Customer service has no sympathy and refuses to ever waive the annual fee as a courtesy, even once. No option for Credit line increases, either automatically or options to apply for CLI. Even then, if there is one offered, there is a FEE to increase the credit line.

I was issued a Credit One card 11/20. I used the card and paid the bill in full month account, was closed by credit grantor and they still have my credit report as me overdrawn and or owing a considerable amount of money. The bill was paid in full over 2 months ago!!! Do not use this bank. It caused my credit score to decrease 32 points and I paid my bill in full early!!!

I had to add this review to make some justice, Looking for help I went into their Twitter and I found Anna, she said she care about this issue (Unlike the guys I spoke earlier at their customer service). Well, Anna not just was receptive -which was more than I have expected at that time- but she cancel the account I didn't ask for and avoid the $39 fee, Moral: use Twitter and if you find Anna ... you will be lucky, she cares!

If you can, go with another company! Payments take forever to post! It is RIDICULOUS to have a payment post anywhere from 5-9 days on your account. As of today I have a balance showing $148.01, available credit of only $51.00!! Yet my payment has been pending for 6days...6 days! This payment WAS NOT from a checking account, as is the excuse they use, but from the same card I always use. This is the normal from them, an excuse to collect more interest from you. STAY AWAY!!

I have had this card for a year and a half. Never missed a payment and always keep my balance very low. I have also rebuilt my credit from a dismal 525 up to a 660. Today I call to ask for a credit line increase from the miserable $300 that I started with, Only to be denied. This card is worthless to me. If I weren't afraid of what would happen to my credit score, I would cancel it now!

Credit One sucks. Will never recommend anyone get their credit card. I have it and have tried several times to get a new card issued due to being broke and all I get is excuses and the runaround to never get a new card issued or solve any problems.