Credit One Bank Reviews

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.

That card was good at first. Then I made to many payments in a week (3) so they put a block on my card and I had to verify my bank account and show them the payments were take out of my bank account. They have to make sure that the account was mine (bank). I told them I been using the same account for 5yrs. But I still had to verify that it was me. So I sent the papers to verify that it was my account. Then they told me it well 10 business days so 2 weeks. They got their money and my cards are at a zero. It's BS. Stop send calls to some other country.

This card sucks. Run away from any offer they send you. 95% of the time I try to use this card I have to call first because they continuously block my card from use because they suspect fraudulent activity. It’s embarrassing as hell to use this card in public because it’s always declining making me look foolish. ** this bank in the A! #capitalonewannabebank

This credit card makes it almost impossible to make your monthly payments on time. Website stinks, no auto draft available, and if you call to make a payment they charge you a $9.95 fee. Also, when I had enough and tried to close the account that equally difficult. Just beware.

Only use this company as a last resort!! Horrible customer service. Fees are outrageous. Never was late on any payments until the pandemic. Was 8 days late during the Covid-19 outbreak and they started harassing phone calls and also calling a lot of my relatives! Unacceptable!! All of my other cards were wonderful and waived a payment and interest no questions asked! Now that I am back to work this card will be paid off next month and closed! This place is an absolute joke!

Had credit card for about 5 years, paid full balance off every month. No problem with card, till my credit card was hacked. About 2 years ago, after that nothing but trouble with company. Took them 6 to 8 months to find out, card was hacked and it wasn't anything to do with me. They never reset bounce right, pay $25 for new card which I could not use while they were checking where the hack came from. Tried to charge me interest on the money from the amount the hacker added to the card. Call the company several times customer service. Got zero results, now they sent my card to a collection agency. On money that I didn't use that was done by the hacker. Got zero results from them, even though I paid extra to have security on the card to cover all that. Recommend no one get this card or try to use it.

I didn't get a credit card in my teens/early 20s. BIG mistake. NO ONE would take a chance on me at 25+; not because of bad credit, but "insufficient credit history." Credit One at age 31 gave me a chance! Kept the card almost 3 years, now onto "bigger and better" cards with a score 700+. Had they not given me a chance, I'd be SOL as now my dad is passed on and I only have my own credit to rely on if I need it. Thank you Credit One! Product A+++; does as intended--CREDIT BUILDER (even at 31!).

I seriously tried to pay my payment by all available means. Attempted to log in to app. Hit wall. Call to pay hit wall go online hit wall. Call again. They tell me use the app or online that they don’t take payments over phone. Try again. Hit brick wall. Send money order in. I guess they didn’t post it. Get a bill overdue by the way and guess what? I was charged for the two freaking phone calls?!?! So now today I received two calls both in which they verify my info. And then call disconnects. All I want to do is pay. Why is that so hard to do? Like they are trying to screw up my credit. I’m gonna pay them off and they can take this card and shove it.

I first opened an account with Credit One to begin building a credit history. Over five years, I've encountered numerous problems with Credit One's online payment system. Most of these have been fairly trivial (momentary unplanned disruptions in access to the customer website; failure of the telephone system for activating a new card, requiring me to call in to customer service and spend an unreasonable amount of time on hold to complete a process that should take less than two minutes), but the most recent one isn't, and in all honesty, a credit card company that charges fees and interest has an obligation to ensure that its technology works and that its customers have access to customer support in order to resolve problems that might occur when it doesn't.

CreditOne is the absolute biggest crooks I’ve ever had the misfortune of dealing with. I don’t want to get into it, just know going in that they will lie, cheat and scam you out you hard earned money. Look at their abysmal rating before dealing with them. AVOID! AVOID! AVOID!

Very disappointment with this card. First there was an annual fee which I missed in the fine print. Second they charge interest on every transaction at a high rate. I realize that I have just gone through a bankruptcy due to a failed business. I really don't have the problem with the annual fee if I would have known up front instead of the fine print but interest on all purchases regardless of payoff no way no how. Could have gotten a prepaid card that builds credit without interest unless you are late on your payment.

I would love to leave 0 stars or NEGATIVE stars. I tried to use my card and it was declined. Log into the website see my credit limit, shows the normal amount. Balance due $0 BECAUSE I PAY IN FULL EACH MONTH. Available credit 0. Call and told they closed my account....WHICH WAS IN GOOD STANDING. They could not tell me why but that a letter was mailed over a week ago. This company is a bunch of shysters. Waiting for them to reissue this letter that is supposed to tell me why someone who pays on time and IN FULL gets their account randomly closed. DO NOT TRUST THESE PEOPLE.

DO NOT OPEN AN ACCOUNT WITH THIS COMPANY! I have had two cards with them and pay them off every month. In March of this year I see my statement and there are over $800 in fraudulent charges. One of the charges is for $650 at at grocery store. The crooks had tried to use the card at a Walmart and it was declined. But the Kroger AND these idiots approved a charge for $650. So I call in and report this. I did NOT lose my card and it was in my possession. Furthermore these stores are nowhere close to where I live. The customer service rep flags my account, they send me another card, and do an investigation.

Absolute horrible customer service. Supervisors are never available to talk to. They cannot provide you with up to date banking information in a timely manner when requested. They give you the constant runaround. It took over 2 years to get a credit increase even though I pay off my balance every month, but they're quick to tag you with fees for everything. I'll be closing my account very soon and letting everyone know to avoid this company at all costs.

Only take this card if it is a last resort. They charge a very high yearly fee. They also charge a fee to get a credit line increase, and another fee to replace a stolen card. I called to let them know that my card was stolen and that it might get used for fraudulent charges. They did not seem to care and charged me $25 to get a replacement card. They were the only card to do this out of all of my accounts. If you can get a card anywhere else, do it, and stay away from this company.

The customer service lady was horrible!! She ask me three time why I am calling. I could understand if the phone was breaking up and she couldn’t hear me but it’s like her mind was somewhere else. I wanted to dispute a transaction that was on my account and it’s like she have no idea what to do about the situation. Of course am now upset that she can’t help me so my voice got louder and she went louder than me. She told me I have to hang up and select option 3. I asked her why she can’t transfer me to the department who handle my concern. She said she don’t have the ability to do that I have to hang up and go back to the main menu. I hang up and called again and option three does not have anything to do with disputing transaction. So I am left disappointed because I still have a charge on my account and I can’t get it resolved.

Utterly disgusted with this company. It took two times for this company to close my account. Their employees lied of closing my account, mailing closed account documents, and they purposely harass you to pay late fees on the account the day before the new billing statement comes out. Their tactics to gouge money out of their customers is horrific. I will never recommend, perform transactions, or promote this company. Then the nerve to act like they are performing you a favor when they rescind these monthly "annual charges" and weird time of the month late fee charges.

Definitely wouldn’t recommend this credit card to anyone! I hated the experience. The customer service sucks as well. I’ve never been so upset with the experience of using a credit card. The service is terrible and the interest rates are even worst.

I hate doing this, Credit One is a crooked credit card company. I have had them as a credit card since August 2019, not once have I had access to my statements through their website or app, who knows where that money is actually going. Every month I have tried to pay my bill, the payments get returned. It forces me to have to deal with their "fantastic" customer service to pay my bill, late because it takes 5 days to process and tell me it gets returned, but while speaking to these "people" I have to pay a $5-$10 processing fee... Kinda shady already right? Well April 2020 I decided to pay the balance and shred my card never to deal with this Idiocracy again, guess what?! Got returned but no one told me. No update, nothing... Just got an email saying my account is being locked out and I have a much larger balance because of interest and late fees and whatnot. Great...

Hidden fees. Will not allow you to close account. I even got a letter saying that they had a continue to charge a monthly fee for interest.? These people are flat-out criminal and I hope if anyone can do anything about it legally that they get the ball rolling and then put your info here so we can join a class action lawsuit. They should not be in business.

Final straw with this India based customer Service Dept. Two charges on my account for products that I ordered but never received. So after no response from the companies I ordered from (unknown to me that they were located in China), I called Credit One Bank and asked that they assist me with opening a dispute on these two charges. They told me that I have to write them a letter to open a dispute! Whoever heard of such a thing? Instead of assisting you like all the other credit card companies, they make the problem more difficult to solve with there horrible customer service procedures. I paid off one card I have from them and closed the account and now I'll do the same with this one as well. DO NOT DO BUSINESS WITH THIS COMPANY.

Lost a card four months ago. I have called every month and every time I get told that they’re canceling it, sending me a statement and a new card. Still not done! I asked for a verification email that it was canceled and was told they don’t send emails! What?! Beyond ridiculous.

I recently had a fraud charge of $200 on my account, Credit One Bank was no use. I disputed the charge three times giving all proof and evidence that it was not me and they still refuse to take the charge off of my account and blame me for the cause. Because of this I have paid off my card and closed my account, I recommend that nobody opens an account with credit one. Customer service is supposed to be there to help their clients when in need, they did the exact opposite for my family. It is impossible to get a hold of a supervisor or someone on an escalation team to even feel like you are being helped.

Not only have I made my payments on time, I paid a month ahead. This company reported 2 missed pmts to my credit report, dropping my score nearly 70 points. The customer service is non existent and when you do to someone they do not speak English. They are also very rude and refuse to help. I hope this bank gets shut down. Opening a credit line with this bank was the worse decision I ever made.

Credit One Bank offers absolutely no customer service on their website or over the phone with a message saying "We are receiving unspeakable amounts of calls because of Covid-19" and they locked my card absolutely no reason at all. Now All I can do is pay my bill and never use my card. This bank is absolutely worthless for helping people in this time.

This was the worst experience I've had with a credit card and its customer service department. I had reported two charges that I had not made and they just closed my account without telling me. When I called because I wanted to make my on time payment as always and this lady treated me like a criminal. I don't recommend you getting this card or have any connection with this card. It is a fraud.

I made an online payment for $300 which was my balance on 4/29. I pay off my balance each month. After my available credit was finally posted days later, I tried to use my card and it was blocked. I called customer service and the rude lady who barely speaks English told me my account was blocked due to "suspicious PAYMENT history" She then told me I needed a letter from my bank stating that I personally authorized that payment to them and the process takes about 21 days to remove the block from my account. I've NEVER had issues with a credit card company when you make your payments on time to be cause for "suspicious payment history." So I closed my account. Just absolutely ridiculous and horrible service. Stay away from this company.

I’m reading these reviews. Smh at the self entitled irresponsible people complaining about getting late fees when paying their bill late. Whether it be an hr or a month late is late. I was given a $2k limit and two months later they gave me a small but appreciated cli of $200 which brought my new cl to $2200. Since owning this card I have paid a total of $2 if I’m not mistaken. My credit score was in the 640’s when I decided to get back in the credit game because my wife and I were buying a house and would carry a relatively modest mortgage.

Make no mistake. This card is not what you want.... You will never get a credit line increase, just not a good card... This card will not be a good pick. They have very bad customer service... This card is not good for credit, this company prey on people with credit issues... This card will make your credit worst..*be aware*.

I got approved for a Credit One Bank Credit Card in 2019. It was my very first Credit Card. Everything was going good for a while, until I began to see the way they operate. First off, when making a payment, they don't process it right away. They will hold the money for a few days, then process it. There were times where I paid a day early, the money was not immediately taken from my bank account, and now I get a notification that my payment is late, and my Credit Score negatively affected. Second, their customer service is not too great. You would be on hold for a while, and I even spoke to one lady today, she was rude, was then transferred to the account management department, and the person hung up on me, claiming they couldn't hear my voice, while I was almost screaming on the phone trying to make sure my voice was loud enough.

During this coronavirus they increased minimum payment. They are not answering phones to assist customers. They charged me $28 late payment even though I can't get on their site which says they can't process my request at this time, to make payment. Providing incorrect credit scores claiming Experian is providing way lower scores to them which Experian says is not true. If you have extra money and make an extra payment to get ahead they take payment then come back and make you go through verification process again or can't use your bank account you been using all this time to make anymore payments. They hold your payment, even though they take it right out of your account, for 5 business days trying to get people to pay that $9.95 for their instant payment. So sad that businesses like this can even be in business.

So I made two express payments Through the app at two different times so my payment can show right away. I only did that to get my card down so my balance won’t affect my credit score. After making those payments. I used my card to get gas and my card didn’t work. So I called them and asked, "Why is my card being declined." They said “because I made two express payments. Your account has been put on hold because we need a letter from your back that says you are the owner of the bank account that's on this account." Oh was I livid. I went back and forth with these guys to open my account. I finally called them and my bank to prove I am the owner of this account. While on the way my bank even told Credit One bank they have never heard such a thing. What CC bank freezes someone account 'cause they made two payments. DO NOT GET A CARD FROM THEM.

During these difficult times concerning COVID-19, it is impossible to speak to anybody in customer service to ask for any type of help, deferment, or even ask a question regarding payments. There is no email address available. If you call in you will be disconnected. My payment was one day late and requesting late payment fee to be removed but there is no way to reach other than snail mail. NOT ACCEPTABLE!

Capital One must sue Credit One out of business. What a scam, this co [Credit One] has been a nightmare since I confused it to capital one. Due to its logo being almost the same look and font style, and yes I can read. Since they opened a card limit quick by sending a credit card to me quick, with little input and quick approval. They gotcha, hard to close, hard to keep up with, a consumer service department that is overseas that doesn't work in your interest [if you can understand their broken English] and a website that only curtailed to getting as much money from you when making a payment ie; express payment $9.95 versus standard payment, only if they recognize your bank account info. Rude SCAMMERS using our country's laws to ruin our credit by faking a logo to try and entrap, lie, deceit and tarnish the credit ability of a great co like CREDIT ONE Which needs to alert all states attorney generals and awoke a mass law suit.

This has to be the worst credit card I've ever had. They locked me from use even though I've made 750 in payments on an 800 balance. They will not answer any calls to the customer service line. It's the only number to contact them even if you have a lost or stolen card. No email to contact them and an online assistance service that is all predetermined responses that will not help you. I absolutely hate this company.

HORRIBLE COMPANY! I mistakenly applied for a card through Credit One instead of Capital One. After receiving a statement saying I owed $30 and a $28 late fee, I immediately called them. After continuously being talked over by the rep, he agreed to waive the late fee and gave me a new due date. A few weeks later, I received a text saying I was late on another payment. Once again, I called Credit One. After the newest rep to deal with continued to speak over me, I requested to speak with a supervisor. I was on hold for over 30 minutes when she finally came on.

I am very upset about my late fee at this moment (Coronavirus). I was paying my bill 1 hour late and today I was received the email from Credit One Bank because they put the late fee on my account. This is the only bank put on my account late fee at this moment (Coronavirus).

I have been with Credit One for 2 years, great payment history with them, even carried a ZERO balance for 5 months, finally called in yesterday to close the account. Ann the first lady was so rude and didn't even try to save me as a customer. I explained I was getting charged $3.95 a month for the statement fee on a Zero Balance account. Remind you the statements are Electronic, so if I kept it opened I would be flushing $40.00 down the drain a year. A Very sneaky company, no high credit limit options here, very rude customer service, I even called back to complain about ANN, got another foreigner on the line, so overall do not waste your time or money on this company. There is a reason they have very bad reviews. You have been warned.

They charge an annual fee...$5 p/mo...then charge .42 interest on annual mo/fee. Wow. Interest rates went down, as of today, in these hard times...they jacked theirs UP 2%. Unbelievable. Checking my CBR over the last 4 years I have been with them, NO payments have been reported of my timely, 4 year tenure with them. No help to build ones' credit profile. No chat...when I call, I could hardly understand the rep as repeating the conversation gets annoying, that is after a LONG hold time, more annoying. Please be wary of whom you choose to have a credit card with, as there are other, better choices. I have been very patient, and have now chose to dump these price- gouging manipulators out of my wallet.

This company provided me two credit cards! One after I showed them after six months I was responsible with one account. I’m very thankful for this bank as they were my last resort to reestablishing my credit along with my Capital One that I have! When nobody else would approve me, This Bank was there for me when I needed them the most! If you’re going to have credit cards to pay interest and late fees and be Irresponsible, then of course you’re going to give a bad review... But if you are responsible and pay all your bills on time and not occur interest and late fees then I’m sure that you would give this company a four-star like I am!

I was given a credit card by this company and have had this card for a few months now. And I do understand that the world has slowed down. However up until this point I have paid on time and have a available credit on my card and tried to use my card and it Denied. I have been calling for a month and not getting and answer. I purchased something for 9.99 and card became lock because they think it's not me using my card. Until this is over I can't spend my money that's on the card. It's almost time for me to pay them for what was use off the card. So I don't feel I should pay them when they treat people like this at times like these some bank.

In the past three months, two of my online payments paid through my bank have not posted to my Credit One account. The first time I called them and they waived the late fee and somehow found my payment. They said the cc number had changed and I was using the old one on my remittance from my bank. I changed it to the new one and the next payment was correctly applied. Now it has happened again and I am very frustrated. When you call they tell you to print something from your bank to verify and mail to them. I don't have but a few months left to pay and I am done with them. Of course they charge you interest and do not credit their mistake. Be careful. There are some great cards out there just not CREDIT ONE!

Let me just say that Credit One Bank's customer service is trash. To speak to someone about my account I have been directed to an automated system that keeps telling me due to the Coronavirus outbreak their call center has a longer than normal wait and then it tells me to call back at another time then the call hangs up. I call at different times though out the day and the same thing...I call in the evening same message same result. No matter when I call the same thing. If you have the money to run a credit card company use some of that money and upgrade your customer service department to sub-par level.

They are horrible in customer service, they have a phone number which is useless, there is no option to speak to a live person, they do this to get away with their scam business. Do not apply for this card.

So anyone who knows of this company, may have pre-conceived ideas of who they are and what they offer. They were a company who helped me grow and establish my credit, the card offered great credit limits and pay dates and they have never given me problems with anything regarding my account. Yes they are fee driven and their rates are high, but well worth the time I have been with them. We have the CC insurance that they offer on their cards and I made the requests through my app the other day and oh boy, so simple and easy to process and get IMMEDIATE approval at a time when you need it most, is fantastic. I don't need to use the cards the 6 months of payments that will be made by the insurance coverage and that is no problemo. We APPRECIATE Credit One very much.

I have been on the phone waiting for over an hour trying to talk with someone. I received this card March 2nd 2020 with available balances of $500.00. I only spent $345.00 but I made a payment of $180.00 and had returned a few items, $63.81, $63.81 and $96.31.Checked my available balances it say only $123.71. And the site says I owe the $324.02. This is a scam. Beware.

I was preapproved for a Credit One credit card so I applied. I was instantly approved for a $2100 credit limit. Before activating the credit card, I read my user agreement. The first thing I noticed (other than the high annual fee) was the daily interest model they use. You are charged interest every day so you will end up paying interest whether or not you pay the bill in full each month.

You will get approved for Credit One card but you won't ever receive it after approved so don't get your hopes up once you're approved or rely on the card because you will be very disappointed. I don't even think they intend to mail out a card even when approved. It's a bunch of lies!

About a year ago I got a card from Credit One Bank for $500 limit. I used it a few times here and there, always paid on or before the due date and always more than what was the minimum due. A few months ago I had about $350 credit still left on there, I was making additional payments to pay it off. Well for some reason a payment that was processed didn’t go thru Bc I forgot to take the funds out of my other bank account and make them available (I can put funds in a virtual vault). So when I realized it a few hours later, I made them available and waited a few days and they never tried again to take the funds out and next thing I know, I can’t login into their site. So I call them and get someone in India apologizing for the inconvenience and she would be happy to help. Well, they didn’t help anything, the account had been closed because the payment did not go thru.

I'm writing this review to state facts. I pay my bill in full, usually bi-weekly. So, they froze my card. I call them. Over an hour on hold so far. I'll let this card rot in my wallet before I use it again if they don't honor a good paying customer unlock request. I'll pay one more annual fee and stay on hold for the 3 days as I'm on my rotation.

Horrible service, they make you pay a annual fee as soon as they issue the card. I WAS OWING $75.00 before even using the card. My limit was $300 and I opened the card with a balance of $225.00. After the first year they divide the annual fee in monthly installments that are deducted from your monthly payments. They force you to make payments online by only allowing you to only make payments using your checking account and it takes 4-5 days for processing. They give you an option to make payments and have funds available immediately but they charge you an extra $10 dollars to do so.

I made three payments within a 30 day period and the card stop working. I was buying ice cream for a Lunch break birthday party and the card declined... I was just given an increase on credit and like I said - I had made 1 payment per week and the card had more than $400 remaining available... I called and they said due to fact that I had made so many payments in such a short period of time they froze my card until I can provide a letter from the bank with my name, account number, and signature stating I approve the payments... Wait!!!! You froze my account because I paid you too many times???

Credit One Bank has been giving me the run around for 2 months. They have sent me 3 letters with directions on what to send them for proof of address. Every time I call them they tell me they need proof of address. They have my disability awards letter with my physical address on it and they have my utility bill with my physical address. Then they continue to tell me I need to send proof of residence. When they already have those documents I called today on 3/13/20 and on Wednesday 3/11/20. Customers services told me that won't the correct documents they needed. On the paperwork they sent me they wanted my income and utility bill which I sent on 3/9/20.

I've been with company for a little over a year. I've never understood the balance they come up with vs the balances I record. Customer service is extremely rude and non helpful. We never reach an conclusion and I know I walk away paying more. That's it! Never again. They are scammers. I will stick with Capital One! What's in your wallet baby! Sure won't be CREDIT ONE EVER AGAIN.

This company is a joke. They charge absurdly high annual fees of 75$ late fees are 39.99 and high interest. I closed this account as fast as I could. Why have this card when you can have many different options in rewards cards and no annual fees.

I accepted the offer from Credit One Bank even though it wasn't a good one because they claim to improve your credit by using their card. They give you a $300 credit limit but $100 of that is already used up by their annual fee. Then they charged me another $7 just to get my card. So less than $200 is what you get. Then I added my bank account to my credit one profile so I could make frequent payments and keep my balance low. They make you jump though hoops just to use your own bank account. They said I had to wait 5 days for them to make deposits into my bank account and then they would pull the money back out just so I could verify the amounts so they would know it's really my bank account. After going through that hassle I still wasn't allowed to pay my bill. I tried using their app and their website and just kept getting an error that I have to call customer service. So I called customer service and was left on hold.

Had an unauthorized charge that I was attempting to resolve over the phone. Part of their verification procedure is to have you recall a password (if you’ve set one up over the phone) on top of providing the last 4 of your SSN. I could not remember the password and as such have no avenue of resolving the issue; I feel that in the circumstance of an unauthorized charge I should have been able to resolve the issue with a supervisor perhaps, but no. Their supervisor could not help without this password that was created over a year ago that I have admittedly forgotten.