Credit One Bank Reviews

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.

I made the mistake of making 3 payments to my account in 1 billing cycle. I wanted to keep balance low. I was never informed that I could not make more than 2 payments per cycle. My account was frozen and I could not use it. Very embarrassing when I went to use it and it came up... declined. Do not accept... Wow. I called them and was told I had a suspicious payment and I needed to send a copy of my bank statement to verify the payment was legitimate. I must not have gotten it to them in time because they then closed my account!! I got it reinstated however my credit score went down 11 points.

I called regarding a no delivered card twice. The 2nd time I was told I was lying, about the address because they had a different one on file. I had already received other mail about the account to the address the card was supposed to arrive to with the correct address on the form. The rep again said I was lying and will now be making me wait a whole extra month to get a card.

I just wanted to let you know that I have been a Credit One card holder since 9/2017 and I never agreed to be a part of their "Credit Protection" plan, yet they decided to add me anyway. I am not a statement reader and this is why I didn't notice it, until after almost 3 years of being a card holder. On 2/21/21, I noticed a Credit Protection charge and when I contacted Credit One, they said they could only give me a credit for 3 months, to something I never agreed to in the first place.

This company is a joke. They didn’t properly activate my first card, then sent me a replacement and charged me the annual fee twice. I paid one fee, they dropped the other. Then they blew up my phone saying I didn’t pay the fee and now there is a late fee, DOUBLING the amount due. I have NEVER USED THE CARD but owe the $80! After four phone calls and an hour of my time they finally waived the late fee and credited back the annual fee, but never even acknowledged that they had misapplied the money I already gave them. Now I have to wait another 48 hours for all the refunding the woman did this morning before I can cancel the account. I’ll keep my fingers crossed because it seems their sole purpose is to not let you cancel their card and keep just charging fees. High rate, low limit, huge annual fee, and crappy accounting and customer service practices. Just don’t do it. Get a different card from a better company.

I make payments often, after I use my card so it will stay update. You are only allow 5 express payments and standard payments online in a month time. If you want to make an express payment you will need to use Western Union or MoneyGram. So I talk with a rep about if the day before, and they only posted one of the payment. So I call and spoke with 3 different people and they advise me nothing could be done until Monday. I am out of town stranded because I sent my money to put on my credit card and now I have nowhere to stay. I tried to get western union to cancel the payment and they advise me the credit card company would have to cancel it back. This is so sad that they know the money is there but, since they have no one on the weekends to process the payment, I will need to wait until Monday. So I have to find a way to get back home. This is so crazy. Please be careful about making urgent payments, that you pay extra for.

Never do business with this shady credit company again. Your employees lack empathy, don’t contact any one to say, "Hey by the way I saw that ..." then me as the customers would of explain, "What was going was in the hospital and changed banks and must of forgot to update the information with you." Instead of informing the customer who might be a little occupied with their health and 2 deaths within 3 weeks of each other and I could of made the payment over the phone, like Capital One who called me, Mid America called and even the cable company called because although some payments maybe late by a day or so the payment has always gone through, but no employee try to ask what happened or try to work with you.

I have two cards from Credit One and they were working out ok. They have ALWAYS been difficult to get help in any situation. This time has been a nightmare. I made the mistake of paying twice in a month... they don't like that. They put a hold on my card until I called them when I realized it would not work. My accounts have always been in good standing! Not late pay more than my minimum so for my card to be on hold I was a little ticked. I called three times before I could get any help. That was when I was told I should only make 1 payment a month. So how do I fix it? I had to send a copy of my bank statement showing each payment in separate emails because I made them on different days, same month just two different days.

I have paid monthly fees for this card for years!! Hundreds of dollars over years. Today, for the first time in years I needed to use the card for an emergency -- vet emergency for my dying cat -- and because my $25.66 "fee" is a 10 days late and I chose to make a "standard" payment instead of an "express" payment, they've declined to pay my vet bill. I've kept this card, despite the high monthly fees, for emergencies and to help build my credit. Absolutely NOT WORTH it. Wish I had paid more attention to the reviews and complaints before signing up.

I got my card and was extremely excited. I made my payments on time but noticed my other cards gave me increases. I talked to the bank and time after time was turned down. I will not be a cash cow for anyone!

I’m going to mail their card back them and have them sign for the card back to show them this will reach them within a few days like my 1st payment did in November. I feel this business is shady, unethical, uses trickery, and I don’t need them and reminded them they need me. They decided to be bullies and not post my payment. I take photos of the outside of the postmarked envelope in which I mail my money order. They tried getting even further express payment fees, NOT happening. They also wanted to see if I would give them access to my other accounts for payments, NOT happening! They received any posted my first payment within 3 business days.

Be careful when signing up. Chances are they will give you a credit card no matter what. You may get a $300 credit line. The fine print will say that they will charge you for a annual fee for $75 and chances are you will miss that. So right off the back you will be charged for 25% of your credit line. The interest is insane and you will be hit with it no matter what. DON'T sign up for a card. You are better off without it.

My initial payment was $30 on an $81 balance. The due date was 1/14 and I made the payment on 1/7. I got a notification on 1/12 that my payment was returned without explanation. I checked my account to make sure there were sufficient fees, as I rarely carry a balance under $500 in that checking account. The fees were there, and every other transaction I made that day and since had gone through. What’s more, the money was never charged or returned. So while it may have been an error, if my first payment to a company is the only returned transaction I’ve had in years? I'm not comfortable with their standards. I called customer service and got no clear answer on why the payment was returned. I stated that if pay off the balance and to close my account immediately, as I won't be subjected to a $9 instant payment to avoid late fees when I paid a week in advance and wasn't notified until the last minute.

Signed up for the credit card and in 3 months they cancel my card for late payments. First off their payment methods are stupid. They charge $10 to make a payment right away or you can make a regular payment that takes several days to process. On top of that they will call you 10 times a day, even after I talked to someone they still call. Horrible bank.

I have had a Credit One card since June 2020. Since becoming a customer I have always paid my balance due in full every month, but one. That one time was my November payment, which happened to be the first time I was late due to the way payments are processed. I say process, but usually, that implies the customer knows how it works. Credit One does whatever they want in that regard. Let's explain.

Well I was with Credit One Bank in the past. They gave me a chance. Then later on the account was closed due to hard times. But this year I applied and got a approval of $400. Then the next month was given a increase of $500 I am so grateful for this card.

I closed my mom's account in Feb 2020. She has not used the card. There are no statements on the account until July 2020 stating a zero balance. Then another statement in October stating zero balance. Then in November there is a statement for a annual fee. We had closed the account. Then in December a bill for late fee... I called them today and they said the account was never closed! After talking to 6 representatives I finally got it resolved.

Got approved for a card and 60 days later, I have yet to receive my card. Customer service reps barely speak English and are very rude! I had to cancel the previous two cards due to the fact that they were never delivered. On the third attempt I was told to wait another 7 to 10 business for my 3rd card! Would NOT recommend this bank!

It is important as a consumer to know facts and be able to make informed decisions before starting a relationship with a creditor. I opened a card with credit one bank to build my credit back in January 2018 I have never been late until I lost my job during a pandemic. I was on auto-pay and the withdrawal occurred before I could adjust the autopay. Actually it hit my bank twice, in one week.

I have cancel credit card in September 2019. They reopen my account back up without my permission. I have never used their card. I have told them over the phone to close my account. Credit One Bank are Scammers!

I’d been trying to rebuild my credit like most credit one customers (were not customers to this company, simply dollar signs, the word customer infers we be appreciated in some way and shows a little respect as such) first of all I'll say that I appreciated this company taking a chance on me and my less than perfect credit score when giving me a credit card. That being said, they are a business they need to make money. And so I could look past the high fees, which keep their annuals up, the activation fees which show a customer who doesn’t usually pay their bills is ready to pay something before getting anything, and not I could simply not care about the interest rate on a card with a few hundred dollar limit as I intended to pay it off each month (which I did) in order to build my credit score as quick as I could.

I opened my account with Credit One about 6 1/2 years ago to build my credit back up. In that time I never missed a payment. The fees are high and obviously so is the interest rate but I never complained about it. Well this past weekend I made a purchase and the invoice that was sent had the wrong products on it. I tried to contact the retailer multiple times by phone, email, and even on Facebook but I received no response. Naturally I called my credit card company whose card I made the purchase with and explained the situation. I was told that since the charge is pending there is nothing they could do and that I would need to file a dispute once the charge goes through. I explained that the charge is no longer authorized because the items listed are not correct and that I have no way to contact the seller.

I received a card from Credit one and the credit limit they said would be 500 and it was 300... I paid the 39.00 fee then asked for another authorized user... They charged me 19.00. Later they then locked the card saying I was under investigation... I couldn't even use the card...then I couldn't make a payment because of the investigation...then charged me a late fee...so I got a call that they locked and basically now I am out of 80.00 because I had to shut the card down... Wow. Beware of this.

I've been trying to get the card I was approved for in September. It's now December and they still claim they have not received my verification after 5 times mailing (within my same state) my personal verifying documents!!

I been doing business with this company 2 or 3 years. Don’t trust this card. I Learn the the hard way. I paid a $166.66 this month to pay them off and still charge me. $10. 67 this month still. What’s $10.67 for.

I used card one month. Paid immediately $270, $224 etc. But after several paid off transactions, 10 days before end of cycle, the paying card become impossible: “Your bank is not verified”. How?? Yesterday I paid $200 from same bank, week ago $220 etc. I believe, it is the way to get interest "Did not paid card fully". I closed card and will not deal with Credit One bank again.

I write this after me and my dad applied within minutes of each other and I have screenshots of results. We both applied for the lowest amount card ($300) as we are struggling to get by. We both admitted to bad credit but how much credit do you need to get $300 when you are hungry and broke? Our denials came back with the exact same credit score (which is a flat-out lie) and the reasoning was the same. In the same order and the same excuse. Word for word! How does such greed help anyone???

Credit One Bank is the worst bank ever! Their customer service is terrible! They outsource to foreign countries and those Customer service reps read a script and provide false ID numbers. I had fraud happened on my card and they blamed me for it and tried to accuse me of participating in fraud which I never did. So I complain to the comptroller of the currency where I have a claim now. This agency has contacted me and asked me to provide more information on this company and their unlawful practices.

Had to call two months in a row because they did not send me a bill, but sent me a late email. First time I was told they did not have my correct address. They had it when they sent previous statements. Second time I was told a hold had been put on my statement so it was not sent.

Please read the fine print because there is a fee for absolutely everything when it comes to this card. Even if you make a payment on the due date there is still a fee if it's not paid by 5pm. How do every day working people remember to pay by that cut-off time. You can even pay rent online after hours without incurring a fee. Wow, is all I can say. This card is definitely not worth keeping. To the trash it goes!!!! MISTAKE.

When they say you are pre-qualified, they really mean they are out to take advantage of anyone willing to apply. Charging $100+ before your your first purchase. Sad. They only list this in 5 page tiny print. Beware.

We made three payments in one month so they froze my card. They said I needed to prove I made the payment. My bank tried for days to fax documents showing we indeed made the payments. Now they have closed my account and want the balance paid off. The customer service was horrendous. Every time we were transferred I had to give my information again. Now they have even made it so we can not pay the small balance off over the online system we were using. The payments came from the same account every single time. They don’t even deserve one star.

I have had 2 different cards with this company since 2013. I simply maintain the these cards because I have a son in college 9 hours away who uses one of these cards for all of his needs. I do this so I can continue to monitor and control his spending. I make multiple payments a month to this card and have done so for a while now. And all of the payments always come from the same bank and account. My son tried to use the card this morning but learned that it was blocked. When I spoke to customer service they told me that my last payment was flagged as possible fraud even though it fell within the same frequency as past payments and from the same bank account. They then said the only way to remove the block was to provide a bank statement with my name on it and that within 7 to 10 business days the block would be removed. It does neither myself or my son any good 7 TO 10 BUSINESS DAYS FROM NOW!!!!

I have made so many attempts at setting this card up online for payments to now have read 100's can't and it's impossible to pay on time. This is by far the hardest company to contact or get anything corrected. Thousands of bad reviews all over the internet and I didn't do my homework before getting this card. Getting rid of this ASAP and staying with the better companies. Please don't get this card and make your life miserable. My wife just told me she had the same experience and it was a nightmare.

I call Credit One this morning trying to head off a problem. I asked him I never have been late, always paid more than my minimum amount a month. I asked him, "Can you waive this month due to the pandemic because how I get my unemployment check." My bill is due November 20th. I called him trying to get a little help and they refuse to help me. They have always did this to their good customer. I recommend anyone to think twice about credit one. They say they help you with your credit but that's a flaw if you help somebody with the credit and you never call you for help what you going to think if they can't pay you going to have bad credit. These guys are something else. I don't refer anybody getting this card.

After establishing good credit, I decided to cancel both of my Credit One cards. They were totally paid off yet every month they were charging me $5.00 on one card, after I paid the $39.00 annual fee and $9.00 on the other card. A root canal is less painful than trying to get through to these people. They give no options on the main menu for talking to customer service, when you finally hit the magic button, you can tell it's an outsourced call center.

They are really on the ball. Their fraud prevention people are the best. They stopped a company from charging over $80.00 I did not authorize after saying they would send a full size product. If I paid only shipping and handling to get my payment information. I am a sucker for a sample, of almost anything in the wee hours of the morning.

Do not do business with Credit One at all. They suck. Their credit card service is terrible. I was charged for an annual fee for having an additional user then charged me a late fee and got a past due amount. Their customer service is so bad. They do not speak English well enough to help you. I cancelled both cards. How do you file a complaint against them? I was on hold for 30 minutes. No email to send in to anyplace. I was told they could have auto payment set up and it did not work. ** terrible. STAY AWAY.

I've been with Credit One for 3 + years now and the highest my credit limit has reached is $950 due to the periodic automatic credit increases. Before today, I've had yet to initiate a credit limit increase on my own, so this evening I thought I'd be random and request a credit limit increase. Mind you, I have relatively "good" credit (700+ credit score with all 3 bureaus) and my balance is sitting pretty at $7, as I like to pay off my balance every month. I received an automatic denial.... Hmmm I wondered why??

I applied and was accepted for a Credit One card. After 3 weeks, I had still not received the card yet had received a bill for the annual fee. I made 3 separate calls to customer service and was promised the card was on its way. I cancelled this card due to why would I pay a bill on an account for a card I never received??? Crazy and the fees are too high. They're taking advantage of people with lower credit scores, not helping!!! The card finally came 3 weeks after I cancelled it which means a 2nd payment would've almost been due at this time. Glad I cancelled even though it lowered my credit score to do that. Wait to it credit is good enough for a legit card is my recommendation.

So Credit One does not have auto deduct. You have to remember each month they will send you a reminder after you are past due. Then there is a $29.00 fee for being late and the a $9.00 fee to make the late payment. Bad card company. I just transferred money into my checking account to pay the balance and will close my account.

This bank is cruel and heartless. Do NOT be fooled or be a sucker that 'they're there when you need them.' My nephew got a CreditOne bank card. He was making small purchases and kept up with his payments. Then he had a stroke. CreditOne added a $30/late fee the first month. Because he had had a severe stroke and couldn't even go online, he got a late fee the next month of $39. Each month it was $39 'til his balance was in the hundreds. While other banks were offering him hardship payment terms (especially during this period of Covid-19) and reversing late fees and interest and arranging reduced payments, which he was keeping up with, this bank would not.

Credit One Bank erroneously withdrew $40 from my bank on 10/1, as a duplicate payment, so my bank put a stop payment on the transaction because I caught it the same day. Then they put 2 returned payments on my account, again in error. I had to phone in on 10/1, 10/5, 10/8, 10/10, and 10/12, speaking with numerous people including “upper management” to get this resolved. On 10/13, they finally fixed my account and credited it an extra $5 for my troubles.

Received a pre approval letter in the mail and stupidly accepted it. Getting the card was easy and took about 14 days to receive. Interest rate is very high and the annual fee comes directly off your balance once activated. You have a bill and already in debt before you ever swipe it. I kept the card anyways and used it some. Always paid on time and at least double the minimum payment. Last month I used my girlfriend's bank account to make the payment. Received the confirmation email.

For almost a year I could not access my credit card online, however they kept insisting in my making payments. I wanted to be able to see my account because for some reason, other than my choice, I didn't get paper statements either as requested. They suspended my account. They kept saying they unlocked it but it still isn't accessible. I called so many times to count, only to keep having to talk to someone who couldn't speak very good English (although very nice), which only added to my aggravation because I couldn't understand him and when I asked for someone else out was the same thing. To date, still unresolved. I've done my part to make sure it's paid but I don't dare use this card again.

Enrolled in e-statements, all of a sudden I stopped getting them. I called, no one could help me. Then I got a message to verify my bank account - that had been verified and was the one I had been using since I got my Credit One card. This company clearly does not care at all about customers or how their policies (only make one payment every 30 days, reverify your already verified account every so often but they don't tell you when etc.) impact their customers. There are many, many other credit cards available that help people build credit. Please use one of those. Yes, I've filed complaints with the BBB as well as here. This company does not deserve anyone's business.

I experienced truly awful customer service and breach of contract. I strongly recommend against doing business with Credit One Bank. I accepted a pre approved offer from Credit One several years ago, and implore others not to make the same mistake. Credit One did not provide the promised regular credit line increases despite my perfect payment history, excellent credit and more than adequate income stream. Most recently, Credit One breached their contract by failing to credit a cash back reward for a gasoline purchase. Customer service initially said they would correct the error, then when I called to follow up they insisted that the charge was not from an accepted merchant. Gasoline charges are covered on a class basis in the contract, the merchant classification applies only to grocery purchases. Customer service was only interested in refusing my valid claim.

This company has had computer glitches twice this month, the payments that you have made were doubled then they took back but on a payment return still charged you $25 extra at the end of the statement. This not only made my checking account negative in the bank charged me but then Credit One also charged me $25 power return transaction because of their error.

I read a lot of reviews when deciding to apply for this card. Most of them were negative. I read that if you make multiple payments in a month they give you a hassle. Not true, I make 2-4 payments a month usually paying in full each time, never had a issue. I read payments do not post on time, not true, they post the same day made. Although the available credit sometimes takes 2-3 days to become available that was never a problem for me as we got this card to build credit not to live off of.

I have been paying off my 2 credit one cards at the rate of 100.00 per week. They are almost paid off. Credit One will not let me make any more payments until they verify my account by depositing and then withdrawing from same account that payments are drawn from. This will take up to a week for some STUPID reason!!! I want to pay my cards off and THEY WONT LET ME! GOTTA KERP THST INTEREST GOING!

I've had my Credit One credit card for years & it was recently compromised from fraud charges overseas. I immediately responded to the text message to decline the charge and found that there were two other pending charges. When I called customer service she didn't even know to transfer me to fraud. She was telling me to dispute the merchant. Because I work for a bank I knew the procedure & that Visa has a zero liability for their consumers. Once I spoke to fraud they told me they were filing the charge against the pending transactions but never even filed the claim! I spent ten days talking to customer service reps who had NO CLUE how to dispute fraud! All they kept saying is my systems are down and "I'll transfer you to my manager". Then the manager would say, "My system is down and I'll transfer you to my manager".

I got two Credit One credit cards and it was helpful with building my credit. There is a $8.00 fee along with interest charges each month. After about year I applied for a CC through my bank and decided to pay off these two CC. First of all it took almost two weeks to apply my payment. So naturally the monthly fee and interest charges accrued. I was finally able to get a hold of someone today (phone lines were down last week along with most days their website was down as well). I wanted to pay off my low balances and close my account. He took my money right away and just before he submitted the payment he told me there is a $9.95 processing fee per card.

After I paid, it showed on my credit. Soon as I used the card the next 3 days, my credit dropped. The card reported what I had used 3 days after paying in full. I’m closing my account. It ruins credit!

Worst bank to deal with--website down a lot. Customer service number tells you high call volume and tells you to call back another time... Can't pay my bill!! Been trying now for for 12 days... just a bad bank.

I paid off my credit card and my annual fee. I received a bill a few months later for an annual fee that was less than the one I paid earlier. I was confused about the charge. Someone called and said my payment was late. I was told the balance was for the annual fee that is being charged monthly in the amount of $8. That's $96 a year for a card I don't use. Clearly, Credit One doesn't want members to pay off the card. I said I wanted to cancel it and was told they were having technical problems and I would have to call another time to cancel. I called and no one answered the call. I'll keep trying and send a certified letter.

I have two accounts that I use to make payments, one is PayPal and the other is Chase. They close my account without warning after payment through Paypal was denied. I called to make the payment with my Chase account once is the account I usually used to make other payments so they knew it was a good account and they was unwilling to work with me.

For the past 2 weeks I have been unable to log into my account to pay my bill. Neither the app or website work. I have tried calling 3 numbers and all are answered with a recording saying they are down for system maintenance and to visit their website. There are complaints all over the internet and on their social media accounts regarding these issues. Whatever you do stay away from them because they are going to ruin your credit.

I opened an Account, I set it up in the mobile app. I used my card. I made three payments to my card. I went to look at my available credit and my account was closed. So I called them, tell them what’s happening. They told me they closed my account because my bank was fake. So I asked them if they tried reaching out to me to confirm my bank information, in which case I entered it wrong. They said they did not. That they just closed my account. That I need to pay off my total credit card balance and that it would remain closed. So, Instead of these idiots calling me to confirm my account number for my bank, they close my account. My credit dropped 56 points because of this. Meanwhile, all they literally had to do as customer service representatives, was call me!! Idiots.

Paid my bill with my debit card and the next day I was charged again for the same amount. Three calls were made and nothing accomplished. Can’t get a supervisor to call me back. This happened in June and my bank paid it. These people are a joke, so don’t do business with these crooks.

They allowed me to make a charge that exceeded my limit by $1 and then sent a negative review to the credit agency despite my paying the balance in full each month. They also charged $25 for replacement card.

Lousy customer service, high fees, high interest rate, a full week to post a payment (unless you pay $10 every month--not required on any other card I have.) You do NOT charge a customer to post your payment. Scam, big time. I applied for this card to get over a temporary hump. I'm dumping it by the end of the year. Yes, low credit limit, but that's all I needed at the time. I've gotten now 4 emails with my available credit, and card is still getting declined--the most aggravating is that I'm trying to pay my monthly cell phone bill. Declined, despite the auto-emails saying I can cover it. So my phone is off. Won't trust that bill to this janky card anymore.

Do not get a Credit One credit card. The company is awful. They keep locking your card and not notifying you then takes 7-14 business days to get it unlocked through the fraud department. Twice in 2 months from the same bank. Avoid this useless company.

While understanding that the card is for rebuilding, it is a terrible company to do business with, as they charge you for making your credit become available once you pay. That in and of itself should force consumers to look elsewhere. In addition to the aforementioned, you're still paying interest with or without paying early. You'll always pay interest with this card. This message is an attempt to bankrupt the bank so they no longer have any business. Consumers don't appreciate companies like this who prey on the weak just so they can gain extra money and incentive because a consumer happens to be in a temporary position of bad standing. In fact, businesses should never run this way, because this is what the business will get in return.

They will give you a card, but the customer service is horrible. Sometimes they get mean with you and none of them speak English well at all. I would advise anyone not to get a card with them unless you have no choice. They will give you a card just to hound you and add more fees on than anything I have ever seen.

I'm making my payments and then I have to repay and this morning my account was closed when I have been doing everything they have asked on my end. They won't work with me. They just up and put my account in closing. I have get a letter from my bank to keep my account open. I just closed it. They have very unprofessional customer service.

Interest is charged FROM THE DAY a purchase is made; they don't wait until you carry a balance. THAT INCLUDES THE ANNUAL FEE. This basically cancels out the 1% cashback you get. After the first year, they charge the annual fee in 12 monthly segments so as to maximize interest charged unless you request the fee be charged all at once. PAY IT IMMEDIATELY.

I will state that before my poor experience, C1 was an adequate card company. However, after numerous security breaches into my account and their inability to help me fix it I would never recommend them.

Credit One Bank is sending me a bill every month saying I owe them money when I never received or ever even activated a credit card from credit one bank. This is ridiculous and insane that I get a bill in the mail every other month that says I owe money to them but clearly I don't even have a credit card through them. They're charging me for a credit card that I don't have or even have and was never sent to me. Something needs to be done with this company because they're a scam and want money from people even when you don't have a credit card through them. This company is not even accredited at all so something needs to be done ASAP please.

I got this card to improve my credit and it came with a high price. They will charge you for every little thing. I was done and closed my accounts when they wanted 50 dollars just to get my name changed to my married name on two cards. Twenty five apiece and with my annual fee coming up it was time to pay them off and close my accounts. They also make this extremely difficult by having to write them a letter, stamp and envelope then sit and wait. I did get them closed and moved on to better cards. Don't ever lose your card. That will cost you along with many other fees.

Back in 4/2016 I got this card. I also thought this card was from Capital One same symbol and everything. Got the card for a promotional offer. "0% for 6 months, no interest, no fees" the rep told me. I got my first statement before I even charged anything and I was charged $75.00. I called numerous times and finally got a supervisor and he said he would remove it which he never did. No one speaks good English and they are very hard to understand. I made monthly payments and kept getting late fees and interest. When I try to call I was always put on hold for over 1/2 hour and then the call was disconnected. My total purchases was $169. I paid $85 and on my 6 month of the promo my account was frozen so I could not make any more payments. I am now being sued for $600. There has to be a law firm that can help all of us out here. This almost the same horrible nightmare!!

By far the worst credit card and credit card experience I have ever had. Surprise fees everywhere, terrible customer service, unbelievable late fees, annual fees, very low credit line, high interest, duplicate payments, not able to make automatic minimum payments, hidden statements, a $10 fee just to make a payment! I could go on. This whole operation honestly feels like a scam. Just a truly miserable experience, and lost so much money for absolutely nothing. If I could file some sort of complain I would. Stealing money from those who can least afford it. Abhorrent. Please, do yourself a favor and *do not* open a card with Credit One if you have a choice. It is absolutely not worth the stress, time, money, and hassle.

I received the card, used it, went in and entered the same bank account information I have entered for many other sites, make payment, get confirmation and print it, then days later get email saying payment didn't go through. (There is the option to pay with your debit card, but that costs an extra $9.99). So, maybe I made a mistake, NOPE, same thing, payment confirmation, applied to account, then email saying it didn't go through. "OH, you have to use bank account information (which as I said, I have used to pay other bills online)," but using the debit card attached to your bank is the $9.99 fee. Way to go. Huh, paying it off, breaking it up.

I signed up for a CAPITAL ONE credit card that would offer me a credit increase after 5 months of on time payments. Well after 5 months of on time payments, CREDIT ONE (with their identical logo) sent me an offer that would have screwed me had I not called and realized it was a different bank. How did they know about the 5 month increase from my actual bank, and why are they purposely imitating Capital One? A Google search quickly made me realize I’m not alone here. They need to change their logo, and find a better way to earn their customers. This is a scam to trick you into switching banks and allowing them to reap the benefits. I will never recommend this bank to anyone thanks to this.

First of all they try to trick you by thinking you are applying for Capital One. Then you get a card that has a ton of random fees. I called to cancel the card. Few months later I get a statement with a balance of random fees. Took 2 hours and 5 phone calls to try to get it resolved. DON'T WASTE YOUR TIME AND MONEY.

I have two cards with these crooks! One for $2250 and $500. First issue #1: I paid off my $500 card and decided not to use it because I wanted available credit from all my cards that I have for higher credit ratio. After a year of having my card they began charging $5 monthly for their annual fee. Mind you I had a “0” balance. I called and asked if they could charge it as a one time fee so I wouldn’t have a balance and they said they couldn’t it had to be monthly.. What!! Because of this I would always hold a balance with these ridiculous scammers!! Issue #2: Their scoring is crazy wrong. I mean not 5 or 10 points off. I mean 60-100 points off. I went to each of the bureaus site and got my score and credit one was off tremendously!! I’m not sure what system they use, but it’s totally inaccurate.

Higher fees but good customer service, great card to help rebuild your credit. Easy online payments. Easy to understand statements. Easy to increase your credit limits, I would reco'd this card and approval is easy to get, I like this card compared to others on the market, apply today and help your credit score, I did and have raised my score by close to 100 points. This is a good company to work with.

They gave me a chance when no one did and I made couple payments and automatic got a credit increase....I would recommend these cards to anyone. I absolutely love mine and it helps rebuild your credit....

My card got to a balance of less than $10. I submitted the payment, but they didn't process it by the due date, so they added late fees, reported it as past due. This went on for two months until I called them and had them process the payment over the phone and sent me a confirmation that the account was paid off and had a $0 balance. I would not recommend this credit card, under any circumstances. They do nothing to help you rebuild your credit.

Today, July 28, 2020 at 10:40 PM I was calling Credit One to make a payment to my card. A customer service agent answered the phone so fast and asked me for my social security and all my information to access my account, but he was being very very rude! His tone of voice was so aggressive! And since he was speaking so fast I couldn’t understand much of what he said, plus English is not my first language so I had to analyze first and then respond to his questions, and he got mad every time I asked him to repeat himself because I couldn’t understand, he spoke so fast and he was so aggressive in his tone of voice.

This bank charges you fees randomly and then charges you late fees when didn't use the card. The company claims to help customers build up credit, but they are a borderline fraudulent bank that should be shut down for their crooked practices. It is difficult to contact these crooks or pay your bill, absolutely no customer service. This bank is a joke and should be considered criminal for taking advantage of lower middle class and low income Americans. I WONDER WHY PEOPLE HATE BANKS, AND USURY IS CONSIDERED AN AWFUL SIN?

I got this card when I was trying to rebuild my credit. Now that my credit is doing better and my card is paid off, I noticed each month a tiny fee, but it was billed as interest on purchases. How could that be? I haven't made any purchases with that card in over 4 months. The annual fee billed monthly is paid in full each month, so why do I keep getting this tiny fee? After calling customer service, I was transferred and escalated to 3 different "supervisors" until finally, they said the next supervisor would call me (she has not). Allegedly, the interest on purchases comes from the annual fee being billed. I asked how is this possible when both of these charges are billed to my card on the day the statement closes? Also, how do you charge interest on a fee, as a purchase? No one could explain that, hence why I am waiting for that call back (I'm sure I'll have to call them again).

I been with Credit One and overall experience with them for the past five years has been fulfilling. I would tell anyone that there are a company is right for what they give and say. I give a 10 star rating!!

As someone re-establishing credit, the card, online access and tools are very helpful and it’s working great for me. The fees are steep, but I hope those are reduced as my credit rating increases. I like that everything can be done from my phone. Payments, reminders, even requests for increases.

I was sent a pre-approved notice so I contacted them and got their card. Having not had credit in a while it was helpful at first. The only method of payment is a bank account with no way to transfer a balance or pay it off with another card. During the pandemic, they offered NO help whatsoever! Instead they recommended getting a loan, selling assets and even getting a second job, just to name a few.

The phone system and app do not stay up-to-date. In order to make a payment you have to provide checking account info. Phone operators can not do basic math. Beware of double charges. Does not report as promised. Avoid this card. It cost 9.99 to make a payment by debit card.

So I received my Visa and Master Card from Credit One about 4 years ago. You must always be checking your account from fraud charges to fraud fees from these yahoos. I just noticed my card was over the limit and I have not used the card for 4 months no recurring charges or anything. Well guess what I called them on this and told them about my lost/stolen card and they would not help me cancel my cards unless I said that I had no Fraud on my account. I was flabbergasted about this. When I told the first guy that is wrong and I wouldn’t say that, he hung up on me. The second call he told me the same thing. I got a supervisor that told me the same thing. This is WRONG. CREDIT ONE is A Scam that rips off the customers, last time I sent in a letter on fraud charges they never helped either... So now. I will not ever use Credit One Again and will Blog everywhere about this SCAM of A company.

I experienced being hung up on today because I explained that in the United States there are laws protecting its consumers. My other 4 creditors are assisting me through this pandemic but Credit One Bank will not. My customer service agent disconnected me as I explained to her that her corporation is breaking the law. Upon my payday, I am going to pay this account off because I have been reading all of the horror stories about this company. I’m shocked with the way they do business. Their practices are criminal. I’m considering retaining an attorney when I can. They need to be sued.

I really have bad experience with them because I dont know why they refuse to close my account, the last time I was place on payment plan to pay my account off, they later lie that I miss the day I suppose to pay which I believe is only God can judge that between us, I call to make a pay 19th of June and which I still have one payment more that I suppose to pay on 28th of june same month and I call them on 27th to make the payment once and clear the account. But they said they maybe I misunderstood the person that collect the payment from me on 19th and my last day is on 20th june not on 28th of june I have in mind, since last year have make attempts to pay off from $200 plus they keep on use it to make money from me.

This is the absolute WORST credit card for anyone, any reason under the sun. First and foremost, the credit card company is located in India. Their online website is constantly broken, not allowing sign in and a laborious payment chat you must go through to make a payment. Secondly, the payment often does NOT go through, because most banks consider this vendor to be fraudulent and block payment. The BIGGER problem though, is their system does NOT notify you when payment has difficulties. This may be deliberate on their part, you get stuck with automatic $30 late fee. To PAY your bill in general is costs $9.95 on their website and over the phone. THERE IS NOT AUTO PAY.

Good for people who need to build credit. Other than that, no good. Been with them over a year. Always paid on time. More than the minimum. No limit increase offered. Even though my credit score has gone up over a 100 points. It's fair now. The day you pay your bill off. They hit you with interest. So you always owe them something. Say you pay early and it's paid off. To your knowledge anyways. Then you look. 1.38 interest was added. Just saying if you're building credit or you need credit. Use wisely. Thanks for reading.

While the actual credit card products are reviewed elsewhere here, do not look for any technical support from this bank. I was trying to speak to someone about connecting to my accounts using Quicken (something that seemingly every other bank is able to do). I submitted a written message via their website a week ago (I'm still waiting for a response), finally called today. I'm guessing that their support is in India: they (initial support AND supervisor) had no idea what Quicken was, could only say that their website is working, and would not escalate or refer my issue to technical support. After explaining the technical difference (I'm an IT professional), the supervisor could not say anything other than they have no problems with their website and hung up on me.

My payment with Credit One Bank for my credit card issued through the company was due on 7/7 before 5pm (PST). I made my payment on 7/7 at approximately 12:20 pm. I usually use the online app to make a payment however that method was unavailable. The online express payment method was also done so I paid via the Standard Payment method. I received a reference number and a payment date confirmation receipt to show my payment was made on time. I went to check my payment information the next day 7/8 and my credit one account was reflecting a late fee payment of $30 and that my payment was made on 7/8 not the payment date.

I applied for a credit card and was approved for $400.00. I have 4 other cards from other banks $1500 to $2500 credit. All with "excellent" payment history and my Credit scores all over 700. I have declined the card and will not be doing business with them!

I opened this card back in 2017. I have not used the card for a while and all of a sudden they just closed it out with my knowledge or consent. Just because I have not used the card does not mean they can just close it out. This hurts my credit now which I am trying to build and now my credit went back down just because of this. This is not good customer service for someone who is trying to build credit and all you do is ruin it for the people.

I've had this CC since May 2019. I'll admit my credit wasn't perfect (around 580) when I first got this card and they approved me right away. After 2 on time payments I received a $200 credit line increase. There is a $99 annual fee spread out of monthly payments of $8.xx. My credit score is now 701 and I've been a customer for over a year with no missed/late payments.

Everytime I get my cc bill it's always higher than should be. Called a few times and spoke to customer service and they fix it. So now I called again because my bill is $11.00 higher. I know that's not much but it's the point of it. When I tried to cancel my cc Was told it would be $25.00 to do so. Paid bill and cut up card if you can.

I paid over $500 to closed my credit card account with them in April and got a confirmation number, after that they continued to bill me over $200 and had to call again to make sure. They kept saying they are sorry and would send me a bank statement which I never received. It is not June and they are still trying to bill my card when the account was closed months ago and. It’s like they are never up to date with what is going on with their customers and just staffing them to take their money.. Sucks.

Can't believe this company still doing business, if not made in America, all the SOB should be in jail or executed. Is it really happening!! Prey on poor people. They got my stupid **, I thought it's Capital One, I deserve it.

If you get offers from Credit One, read the fine prints. These people know how to rip people off. If you usually have your accounts to auto pay monthly so you don’t forget to make a timely payment, you won’t get that option with Credit One. It’s a setup. If you don’t make your payment on time high fees are added on plus they already have high APR and charge monthly fee for having an account with them. When you want to settle your account to get rid of them you will be told there's no settlement offers. Another way for them to collect every single penny from you.

I don't have too many negative things to say but I will say what I experienced recently. I called Credit One just yesterday because I needed a "Paid in Full" letter submitted for the closing of my home. Anyone in here who has a home or is closing soon like me, understand that when your loan office calls you about docs needed for the underwriter, it can be quite "Time Sensitive". Okay, moving right along. So I called them to request this email and I was told that I would have to wait up to 72 hours to receive a daggone fax stating "Paid in Full". If I'm paying my credit card bills on time and holding my end of the contract why is that I have to "wait" for someone to click a freaking button.