Credit One Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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