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After only having them for seven or eight months they decreased my credit limit from $10,000-$550. Without any warning while I had a $488 balance on it which makes it basically look like I am maxing out the credit limit. Practically destroying my credit score. For no reason at all. Always paid on time. Then when I called the bank they tell me that this was done because of a significant change in my credit report. Which was a lie. Nothing has changed significantly from the time I applied for their credit card until the time they decided to basically take the entire limit.


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Do not, I repeat, DO NOT, get a credit card with this bank. I wish I would have saw the reviews here before I got 3 credit cards with FNBO. It was nice, at first, they give high limits and o% promotional offers. However, even with on time payments, even with high credit score, even with excellent credit reports, even with using the card from time to time, they will SUBSTANTIALLY reduce your limit without warning.


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Paid court fee. Did not get what I paid for. Court did not refund me but did refund my other bank card. This bank won't refund it. They rely on a script that semantically does not pertain. I did not cancel my service. Well if you did not get what you paid for previously explained that is the same thing as cancel or means I have rights which I do. I am done here and want my money back. The service is horrible. No more Court is not even challenging it and they won't pay me the money for service never received clearly explained.


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I've read a lot of other reviews about FNBO today, and to my surprise they're all the same. FNBO is probably the worst bank, especially when it comes to credit. I've been a loyal customer and I've always paid my balance or minimum ON TIME. I've even recently received an increase in my credit limit. But, today I found out that they refused to take a payment from my bank, claiming that the account didn't exist, even though I've used it for every other bill I've had to pay. And yes, we compared routing and account numbers and they checked out. Then I come to find out they decreased my credit limit and that I can request an increase in four months. Out of every one of my credit cards that I have, SCHEELS Visa is by far the worst due to FNBO. I will be closing this account as soon as I pay off the remainder of my balance. I don't need the headache.


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My BP credit card recently switched to the FNBO bank and within a month of switching I noticed problems. Extra charges that were not on my original credit card from BP (I think it was Synchrony Bank) and I paid this card off in full every month. When I came across the extra charges, I canceled the card. How is it that I make the same charges and get billed crazy fees when this new bank takes over?! Horrible credit card and they lost a good customer. Oh well! I’m still waiting for a supervisor to return my call. I’m just paying the charges and never want to deal with them again. Warning to others to check your statements for extra charges.


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I wrote a nice review but was not approved, but is ok, I just want to said that FNBO is a excellent bank, my husband told me Walter A. Stamford CT, and was true, thank you everyone, good job. Is a team is not only one person, so I said from the PRESIDENT that he have a good team working, that's all. Good webpage and nice customer service, have a excellent rest of the days for every one including Consumer affairs, nice work, excellent 5* too.


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Hi everyone inside FNBO bank, my friend Walter A recommend me this bank and everything is easy, customer service amazing, line of credit's very good, I don't understand 1 star reviews? Really I save a lot money with the promotional transfers, so I am very happy, to get a $20,000 in discover card take me 10 years. With FNBO 1 day!!! So guys just pay on time, never a late payment is a good deal. Thanks to the president of the bank and all the employees. Good work.


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This is probably the worst bank I've had dealings with! I have over 15 credit cards and I never have any issues, they have good apps and customer service. This bank has nothing! There's no reason to open an account with them as they really provide no value to the customer, their app sucks, and their customer service is probably some of the worst I've experienced in any company I've ever had to call. Stay Away! There's way better cards out there.


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I was approved for 5,400. I transferred a $3500 balance. I've been making 2 payments a month. Now after 5 months they decide to decrease my credit limit to 3k which affected and lower my credit to 33pts. I don't even use this credit card. I only transferred a balance and pay it down every month twice a month to pay it faster. When I called and asked why it was decreased all she said was "due to suspicious activity in my FICO"? Not only she wasn't professional but had absolutely no concrete reason. Now my credit score is severely affected and shows I am at 95% usage on this credit card. Absolutely unacceptable! 


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I started out with a credit line of about 15000. Never missed a payment then out of the blue they cut it down to 8700 so I didn't use the card that much for about a year. Now they've just shut my account for no good reason. I have good credit and I have never missed a payment. This bank is beyond bad. This credit card sucks.


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I applied for a credit card through a different company in a different state and received a form rejection notice from FNBO, First National Bank of Omaha. I am 79 years old, a retired public official with excellent credit, and have never been rejected for credit. I had never heard of or dealt with FNBO. I will never deal with them again. In my opinion and experience I found FNBO credit staff to be rude, unhelpful and even deceitful.


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Company rejected my credit card application due to fraud but later offered me a secured card and my credit is too good for that. My score is 676 with two-plus years in credit history… I don’t like secured cards, never wanted that I was pre-qualify for a evergreen Visa card few months with 11K credit limit FBNO Denied due to “possible fraud application“ and put a hard inquiry on my credit…


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I received a pre-approved offer. "Select few" I called customer service 3 times with questions. Never finished the application. After reading these reviews I'm so glad I hung up. What kind of a company reduces credit limit? That's so shady. WHEN YOU'RE APPROVED FOR AN AMOUNT THAT AMOUNT DOES NOT CHANGE! That's so unbelievable to me. Disgusting. I would NEVER do business with a company like that. I just shredded the letter. Thank you all for posting your reviews.


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I took out an FNBO credit card through Northern Tool at the end of 2021. My wife used it to make some online purchases. The card got saved into her Google account. In early January, 2022 I got a call from FNBO asking if I was making purchases of any Google products to which I told her no after asking my wife. The FNBO representative only said there were more than a few. When my January statement came there were upwards of 120 Google charges for over $1800. I call the fraud department twice and they denied my claim citing proof that I participated in the transaction. The only other possibility I could come up with was that my 3 year old must have hit every download button he found while he was on the computer in December before we noticed on our January statement. 


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I filled out an application for a FNBO credit card and was rejected due to "identifying information does not verify". I have near-perfect credit (820'). Their customer service is bad and uncaring. Why do business with someone that does not want it? I have no idea how they make money. I have other cards and don't need this one, I should have done more research before even applying but the bonus and cashback lured me in. Stay away.


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I requested to our mortgage lender (FNBO) to remove PMI, based on the value of the home. I ordered an appraisal on 2/8/22. Between the date of ordering and 3/15/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha (FNBO), is named Miranda Nightengale. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me “it’s not really a problem because if it’s approved, we’ll retro this to when you asked, and credit the PMI back.” 


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Was approved for business credit card for 15k. I have very good personal credit and business credit. My account was always paid on time. Next thing I know my credit limit was decreased to 3k. I called and spoke to a very rude woman who told me they did not like the way a company Fund & Grow did business so, they reduced my credit line. She didn't make any sense. I paid off any outstanding balance while on the phone with her and closed the account. As a business owner if my employee had spoke to a customer like she spoke to me they would be TERMINATED!!!! Also, it lets me know a lot about the company and what they think of their customers. ANY GOOD BUSINESS KNOWS YOUR EMPLOYEE'S ATTITUDE IS A REFLECTION OF YOUR COMPANY VALUES!!!!


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It is certainly a Trap and a well made Trap. FNBO gave me an over $10K Credit line. Used only about 30% of it over 5+ months and then out of the blue they cut my Credit by 70% to just within a hair of the balance pending. They blamed FICO for the credit line change when in fact nothing has changed on my credit score or usage. This is more than likely a bait and switch trick to get people signed up then hurt their Credit Scores to prevent them from leaving. I will certainly pay it off and never use it again. Even the so called Ford Perks of $200+ was wiped out. Very Highly Dishonest.


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Essentially my wife opened this account and recently changed it to auto-pay, and on the first deduction they pulled 2 payments at one time. Instead of immediately correcting their mistake we are having to jump thru hoops to get the money back and now they want us to wait an additional 10 days for the money due to their error! I’m thinking now this loan through this company was a mistake.


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I was pre-screened for their MasterCard, but when I applied with a 'very good' rating, which became just 'good' after the application, I was declined. First of all, unlike other banks, they pull a hard inquiry to see whether you're pre-approved, which hurts your credit score. Secondly, they do not give you a response immediately. Thirdly, when they eventually send you an email, instead of giving you the decision, it redirects you to their website which can't find your application (nor can their automated phone assistant do the trick), so you have to call their customer service to find out the response. The worst experience ever! So, if you receive a letter from FNBO, think twice before applying. Don't hurt your score for nothing! All their systems (including pre-screening and status checks, whether via the internet or phone) appear to be completely out of wack!


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This bank is keep lowering my credit limit, and I don't even use the card. Never been late with payments. Almost every 6 months they lowering my credit limit close to the balance. Therefore my credit score is dropping because it shows 90% of credit utilization. It is called "Chasing the Balance". If they would not do what they doing with my credit utilization would be below 50% now with this bank.


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I applied for their personal credit card on 1/17/22 and was approved for $14,000... Was informed I would receive my card in 7-10 Days. 2/03 I called due to a fraud letter... I verified with them only to get another fraud letter....Smdh....Called again on 3/04 to find out what was the problem now only to discover they failed to push 1 button to clear this mess up...Will Fed Ex card which is to arrive on 3/09... Not the punch line yet.... I have the Fed Ex app which tracks your packages only to get another message saying sender has put a stop on my card now a 3rd time....I will be calling in the morning to tell them to keep it...I have more than enough credit cards....They are the worse company to date I have encountered....


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I applied for a Ford credit card after they had sent me many requests to do so since I bought my Ford Ranger. FNBO sent me a letter back wanting a copy of my driver's license, W-2's for two years, and a copy of my social security card. I have had excellent credit and have not been asked for this in forty years. I own my own home and have paid for my new Ford Truck, and I am debt free. I called them and told them to withdraw this application because I am not about to send all of this. Frankly I think this is somewhat extreme. I have gotten credit cards easily over the years and never had this happen. My credit rating is excellent and my integrity therefore self evident. FNBO customer service was very rude and unconcerned. This bank needs to review a lot of its management policies. I can't be the only one that feels this way.


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I have had my card approximately 6 months. I was given a $15,000 limit and initially only used it at a single location. Always made large payments and kept it paid off. About 2 months ago I used it on several transactions and nearly used the limit. However, I have never once missed a payment and always pay far more than the minimum. Today I received a letter saying that because the account is new and I have a high utilization ratio, they reduced it by a few thousand.


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Had 23900 credit limits. They reduce my line on my card to 9600 close to my balance of 9100. Now it drop my score 75 points without notice. Never miss a payment and my score was a 780. I am paying them off and never using them again. If you cherish your credit stay away from this credit company. I seen so many review like this but ignore the warning. Now it seem like I’m at 98% Usage on my limit. FNBO thanks for ruining my credit.


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I am so Happy with my promotional credit cards, personal and business also, simple faster, I have a 778 FICO and I am moving all my checking and savings to FNBO, Customer service easy to talk and find answers, I am thinking Refi my home. I recommend to my wife and one friend and they are really happier too. So thanks FNBO. Let's make more deals! Walter **


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I've been a member for about 4 years and had not missed a payment until recently I forgot to make my payment. When I looked a few days later and seen I didn't make my payment they dropped my credit limit to the balance owed leaving nothing to my credit limit but $100 on top of my balance owed leaving MY account looking like I've charged over 50% of my account. Mind you I pay more than minimum due and most times paying twice a month. I called and asked to excuse my overlook and bring my credit limit back up, they refused. But they did eliminate the late charge. I rather pay the late charge and have my credit limit back. I'm canceling this account as soon as it's paid off. They make your credit report look horrible with 1 missed payment. Capital One is the best credit card company. I've never had an issue and they consistently increase my credit limit and not decrease.


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Got an offer in the mail to apply for FNBO credit card. Applied and got the card. Took advantage of a no interest balance transfer promotion. Paid half of the balance transfer off. Continued to make monthly payments. Monthly amount 40.00. I paid a 150.00 a month. 4 months later they have closed my account. This is absurd. You pay triple payments and take advantage of a 0 interest offer. Want to close your account for doing an awesome job on paying your account. Tried to talked to someone. All they can tell you is your credit score has dropped. Not looking how well your payments made. People steer clear of this bank. They will offer promos, you do an outstanding job making payments. Then close your account. Customer service is horrible. Never apply for an FNBO card!


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First National Bank of Omaha (FNBO) is the worst bank in America. After they refused to honor a promotion that they advertised, I filed a complaint with the Office of the Nebraska Attorney General and posted the experience on Twitter. FNBO responded by blocking me from their Twitter account. The craziness didn't end there. FNBO decided to take it a step further by reducing my credit line from 15K to 1K. This was clearly getting personal, so I just closed the account. This entire episode was regarding a $200.00 account opening bonus that they refused to honor. The people operating this bank act like scolded children. Fellow consumers, please think twice about using a financial institution that acts in this manner. If they act like this, do you really want them handling your money?


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I just received one of those "select few" getting invited to apply for this credit card. They offer zero percent intro APR on purchases and balance transfers until April 2023! Pretty impressive right? No annual fee. So I figured I transfer my balance from my Discover card to this card. Boy am I glad I read the recent reviews for this card not only on this site but on other sites as well and it's pretty much the same complaint over and over again. If you get this offer in the mail, dump it quickly!


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For some reason this credit card has been hacked numerous times, without me losing my card. FNBO has replaced the card 3 times in the past year! I check my account daily for fraudulent transactions now - most recently I couldn't reconcile the online record with my accounting software. I'd reported a small fraudulent transaction and found that their "resolution" was to enter an extra charge for the dollar amount - they forgot to put a (-) in front of the amount, so now I was charged twice. When I reported this error to them, their "correction" was to duplicate the error, so now I was charged THREE times for the fraud. They'd also marked a correct transaction as fraudulent and "corrected it the same way, both times. 


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I do not understand the bad reviews on here. I have a personal and business credit card with FNBO and could not be happier. I have had to call with some questions and they were great. Next month I will be talking to them about a business checking and savings account because just found out we have a branch 2 miles from my business. I just hope the banking part is as good as the credit cards have been. THANKS FNBO.


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STAY AWAY! I had to call 5 times to get them to cancel a balance transfer check. Today they told me again that the other customer service rep didn't do it right. They told me for sure this time it will be done in 2 more days. Then I was told I "can't make payments if I have an autopayment tunred on. Why? Just stupid! Just another bad credit card company that implements systems to cause more fees to their customers.


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This is a horrible place to have a credit card!!!! They cancel it without any notice or care in the world to you or your life. It is right before my daughter's birthday and the holidays and they cancelled it, they didn't offer any help. Just read me their script of why they can cancel whenever they feel like it. And all the points you rack up and voided, no refund, no applying to your outstanding balance. Just gone. I have had this card since 2017, never missed a payment and always paid over the minimum. They rob you and have not a care in the world. I wish I could give zero stars or even negative.


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We have had this credit card for 4 years - NEVER had a late payment, paid our bill off EVERY month, had a $18,000 credit limit that was given to us (we didn't request this), have a good credit score and have done nothing wrong. Saturday morning of last week while out trying to enjoy time with our family - our card gets declined twice. I had just paid the bill for the month prior so I knew it couldn't be that. I call customer service to find out that the ACCOUNT is CLOSED! WHAT!!!! WHY - "Oh you had too many credit inquiries recently." WHAT! No warning, nothing! 


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This bank sends me a pre-qualified offer in the mail for a credit card. They issue me this card and almost a year later, I have to find out from my credit report that they just canceled my card. They give me some reason that my debt to income ratio is low. I make over 100,000 grand a year. I had a 264 dollar balance on a card with a 5,900 dollar limit. My balance on this card has never been more than 300 dollars.


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Called and asked for credit limit increase I haven't had one in over a year. The lady was very nice and said I was due. I told her I was doing 2 down payments on 2 new Dodge trucks. I was also using the promotion for 0%. She granted me the increase. I still had a usable balance of $1350. Everything was good. No problems. Less than a week later they canceled my account and closed it. 4 years 7 month gone. No late payments, no missed payments, no problems. When I called customer service they said it was closed because I had too many inquiries on my credit from buying a car and shopping rates. Wait what? That doesn't make sense I told the representative. She stated she had no control over the computer decisions. I still have a balance with card but the account is closed and my credit was dinged 81 point. I guess this company doesn't like my money.


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I have been with FNBO for 4.5 years. My home loan, equity loan, 2 savings and a checking account. I had recently changed my pension and social security to direct deposit at FNBO. No credit card with them. I have never been late on a home loan or equity loan payment; 11 of 12 months I pay extra on both loans, considerably more on the equity loan. Because of an unforeseen emergency I recently had to file bankruptcy. I chose Chapter 13 so my home could not be sold, understanding, though, that if I had too much equity in the home I would have to follow the formula for paying back creditors. I chose 13 knowing I would still have to pay my creditors. After all, unforeseen cannot mean unprepared as far as finances go.


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I have been a customer for years and never been late on any payments. About a year ago, my card was "suspended" for no reason. After a few months, it was reinstated. A couple of weeks ago I paid my entire balance off and I just got an email saying my credit limit was decreased. Why? Like I said, I have never missed a payment and only have a balance of a few dollars now.


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I was solicited via USPS to apply as one of the "select few" for a FNBO 0% credit card/balance transfer. I was approved for a $14000 credit limit. After receiving the card, I decided to take advantage of the 0% balance transfer offer in the amount of $9200.00. THE BALANCE TRANSFER WAS DECLINED. I called customer service for a detailed explanation of why it was declined. After all, I still had a 14,000 credit limit that I could immediately charge up. It makes no sense. 


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The worst and most stupid bank I ever deal with. Had 7.7K available out of 7.8k Credit limit and CLOSED my account because I applied for other credits cards... Is none of your business if I apply somewhere else. Never missed a payment with you and Not a single bank or any late payment in years. After all, thanks God I got rid of this ridiculous joke of bank, because you don't ever get to be a real bank. Where at the invitation letter said I will not be able to apply for other cards while having this piece of nothing card.


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I was a FNBO credit card holder for 15 YEARS. Currently my credit score (according to FNBO website) is 813. Lately I've been using my card to buy coffee every morning and a couple weeks ago it stopped working, thought it was the coffee shop's issue, tried using the card a few days later and still didn't work. Called FNBO and was told my account had been closed. Asked why? Was told it was a matter only the "High Risk/Fraud" dept could help me with and rep transferred me over. The person I spoke with said they wouldn't tell me why the account was closed but I could write them a letter asking for details and they would reply (with what details he couldn't say). So I figured it was their loss and at least now I didn't have to pay their ridiculous $50/year fee for the privilege of using their card. 


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After receiving MONTHS of these constant, insistently appearing ads telling me I was selected from a “small group” of people and very likely to be accepted, I finally called their customer services and was assured I had a VERY high chance of being approved if I had received their letter. So I applied. Got a hard pull on my credit, and WAS DENIED. I have a high credit score and freaking 6 figure income. Thought it would be nice to move some balances around. Nice going FNBO. Your company is a joke and missed out on some decent money with your fake, criminal advertising.


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I had been a customer for over 25 years, but I had to close my credit card account due to rude treatment from their customer service. Furthermore, I received different information from different people. I had a set the payments to pay it all every month; however, I had a big expense about 2 months ago and I could not pay it all, so I called customer service and I was told I could change the payment online 5 days before the due date and I did. The payment day came and I noticed my bank account was negative. I panicked and called FNBO to have the payment changed to the one I had set online. They told me there was nothing they could do about it. So I called my bank to cancel the payment then I called FNBO to let them know so I could do the correct payment. No one helped me and they were very rude. So I had a late fee applied to it. I talked to 2 other people and all of them were rude. The next month I paid my debt and closed my account. 


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My review is simple- Stay Away from the Letters they send every month saying you are pre-Qualified. I have not been rejected for a Credit Card in 5 years until today- I have had identity theft 6 times - my gut feeling said, it was not a good idea. Trust me- Don't Do It.


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So I received an offer in the mail saying I was pre-approved. Decided to check it out and they performed a Soft Pull on my Credit and said I was "Pre-Qualified" with a 15,000 credit limit, 12 months intro 0% APR, Etc. I don't need the credit that much as I have a number of tradelines in that range already. With that being said, At 15K, I really thought about getting the card but when I hit the "continue" button it just didn't do anything. Felt kind of strange and I decided to actually take a look at their reputation online...WOW. I am glad the button did not work! Between the lowering of credit limits without notice, the poor customer service, and the sheer number of 1 star reviews, I think I will pass on this bank forever. My scores are 780+ but I don't trust these guys as far as I can throw them. Seems like they have a bait and switch going on... Pre-qualify you at 15K... Give you a lower limit of maybe 7500 and THEN lower it to 500 after several months. No thanks!


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They sent me an invitation to apply for a credit card. I went online to accept and it said I was approved for a card with a $15,000 credit line. I have other cards from other banks with similar lines. So I pressed apply which gave me a hit on my credit report. DENIED. What a horrible bank, stay away.


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FNBO is sending me invitations for the last 12 month to apply for their rewards credit card. When finally I applied (my credit score was above 740) they denied my application affecting my credit score 15 points. What a strange way to do business. Sending pre approval mail invitations for 12 months and denying actual applications LOL. Useless.


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This Co. lowered my available balance (what never happened to me before with none of other CC!!!). Which hit my credit score unexpectedly. I wish I closed this card. They said they monitor your credit and make decision every half year and I can request a review 6 months later. For years I had the card nothing ever happened. Until one day, without significant changes to my credit report. And when I requested a review they hit my credit score one more time by hard inquiry!?!!  How come you figured it to lower my credit line and hurt my credit score without hard in inquiry, and you needed hard inquiry to see if you can put credit line back to what it was to hit my credit score against. Bottomline, if you accept this CC to repair your credit - close it few years down not to hurt your credit, more than it was repaired, out of a blue.


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At first FNBO Jeep Drive Plus Mastercard seemed ok. There were a few hiccups along the way that gave me the uneasy feeling that these guys are not organized, but nothing that indicated pure concentrated evil. So, I was moving along attempting to earn points for Jeep gear and also use the 1000.00 earned incentive to purchase a new Wrangler. The incentive coupon was never received. I called FCA, I called FNBO ... and no one knew where was my incentive coupon. Then, after I purchased my new Jeep the coupon arrived.


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I have banked with FNBO for 20 years and love their bankers. Always a very kind staff however as a small business, their PPP process has been an abomination, last in line, and they leave you to figure out everything on their portal on your own. Not one person is assigned to you. Now, almost a year later, it is still the same vague unattended process. Every other person I know has had round 1 fully forgiven already with other banks, no word on mine, and most are approved for round 2 from other banks, still waiting here as well. They also had a dedicated human they could call that guided them to expedite the process for them. FNBO has responded to our emails with a different person each and every time. Nothing personal has been indicated through this and we've been last in line every step of the way. It's already stressful for small businesses, this bank has made it more complicated and more stressful. 


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This company has the worst reviews online and I know why. This company sold one of my accounts, I accidently sent a payment to this company for that account. They have my money, they wont look it up and they wont send it back. The "customer service" will hang up on you. I am going to have to hire an attorney and sue this company. STAY AWAY.


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I normally decline any credit card offers when checking out at a retail store. Scheels and First Bankcard reminded me why I don't apply. My wife and I were checking out and they offered $50 off so I applied for a Scheels card. Short app but then it's unable to be processed. They further explain it does not mean you're denied just "they want to look into it a little further". No phone calls and a few weeks later I get a letter in the mail saying they are unable to process due to "Identify info does not verify".


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My payment record etc with FNBO is PERFECT. They reduced my credit limit without notice and it dinged my Credit Score. Probably upset that I use my card to pay the lower rate. I have two rates. Horrible customer service!


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My Scheels Visa credit limit was just reduced from $7500 to $550. I have NO idea why. I make all my debt payments on time for substantially more than minimum. There was no warning or question. No reason.


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Wish I didn't have to give any stars. They just, with zero warning, dramatically reduced my credit limit down to $500! As we all know, this kind of thing has a rippling impact across a person's credit profile. I just think what if they do this to someone who's in the process of trying to get a mortgage or something??? I've never had a late payment (with them or anyone for that matter). Apparently they are doing this to many people. I sincerely hope this very bad business practice puts them out of business. Utterly shameful. They're approval requirements are similar to many other cards, cards that are very good and don't do this type of scandalous garbage, go with them instead. I only wish I would've read reviews before I let my bank talk me into applying...


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Lowered my credit limit by 7k with out any warning or notice, or reason other than internal review, never missed One payment! Had I known the Quick trip card was serviced by them I would not have gotten it either, it lowered my credit score 42 points. Will likely will cause there internal review to lower limit again. They don't care about anyone or anything but the Almighty dollar. They don't care how they affect anyone, sure they will post a reply that customer service is important to them, but has anyone every received a call or anything from them explaining there reason, don't think so. I am 68 years old my oldest account on my credit is 42 years and guess what not ONE MISSED PAYMENT on my credit report!!


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I have been a Sun Country Airlines credit card (serviced by First Bankcard, a division of First National Bank of Omaha) holder for six years. The card has a $69 annual fee, and provides limited discount benefits with the airline (they were better when I first signed up for the card), and also accumulates points (miles) based on purchases.


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First National Bank of Omaha just ruined me after many, many years of always paying on time. Because of Covid 19, I had requested a skip payment. They granted 1, but continued to add interest. Since my restaurant was closed down for almost 2 months, I called before the next payment and explained my situation. I asked them to grant me 1 more skip payment, which they denied. They said that they only grant 1 per year. I pointed out my excellent history with them, and explained that with the Pandemic, that I was still in a financial crunch, I really needed 1 more month. Again they denied. 


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Our available credit was reduced from $7,200 to $500. I called and the manager told me they had reviewed the account and it was because we paid the bill in full, twice, and had, months ago, used the cash advance service. There is nothing wrong with my credit score. She told me there was no one above her that I could discuss this with. We recently refinanced our mortgage and are no longer with FNBO. Don't know if this is retaliation or just stupidity on their part.


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I have been with First National since 2011. Never had any issues except old school ways of doing things. Paper, Paper, Paper for almost everything. In this age, you go on the fly and verify after the fact - not FNBO... they rather follow the lengthy and old tedious fill out paper and photocopy paper ways. Now, my issue. I had a negative of less than $25 on my account for 30 days and I was not sent an email about it and it was closed after 30 days. Also my savings account that does not have a negative was closed with it. On top of this, I did not know as I kept login in to know if deposits from PayPal or Amazon was a success, but never saw any deposit. I was concerned, and called that's when they gave me the news in year 2020. This is absurd, you do not treat your longtime customers like trash - I was treated that way.


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Been banking with this bank for a decade now and had a credit card with this bank and they reduced the limit without notice. Called about it and in a nutshell, they said that is what it is deal with it. I'm gonna deal with it, moving to a different bank.


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They tell you they will investigate fraud claims then send you a letter denying the claims. Charges on my card were made by companies that if you google search them have done this to thousands. Liars.


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NEGATIVE - Called to let them know I'd not rec. my new card which was then sent. In attempting to activate I was told it was closed due to inactivity although they refused to reopen it even with talking to a supervisor. I maintain an 800+ credit score & saw online they're closing others cards which is simply pulling back their credit lines due to recession. Should be zero stars.


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Updated on 12/21/2020: One star is one too many. Once again a decision this HORRIBLE company made is negatively impacting my credit score. They once again reduced my credit limit without warning and for no good reason. I continue to make on time payments, paying more than the minimum, and I have made zero purchases on this card since the initial balance transfers (which at that time utilized less than 50% of the original total credit line).


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Got card 2 years ago at dealership for 7000 limit. Few months later raised to 7700. Balance always 500 on either side of 2000. In was five days late on payment as a complete list in the madness moment and immediately paid. First time ever loathe and they reduce my limit to 2700. Utilization went from 30 to 90 in middle of buying a house. They wouldn’t work at all. Do yourself a favor. Don’t get any product from these ** scam artists and cancel like I did.


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I and sent a payment of $29,000.00 on April 8 and the check was cashed in April 16th. I put my statement in the envelope and the person that received my payment didn't apply it to my account. I have called every day to find out when it's going to be applied to my account. They told me today they emailed the accounting department but their requests are only done "in the order they've been received". Rory is very rude. Not a human. What happened to picking up the phone and finding out where my money is? You have had $29,000.00 of my money and I can't even get it applied to my account. You cashed it 11 days ago. Stealing? If my payment was late you would call me the next day... Sad how this works. Someone is dropping the ball here....


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Fraud dept are liars. They denied my fraud charges after I reported them immediately because I saw someone using my card on the app. I got a letter in the mail said they contacted the merchant and said I made the charged which is a total lie. I have never been two those two businesses in my life and I can prove it. In addition the fraud dept never called to ask me questions. I get insulted for trying to help them catch the thief. Which they didn’t even try to 20 yr customer who pays his entire bill every month and this is the terrible service I received.


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Received a prequalified offer for a M Life MasterCard issued thru this bank. Started application process online and decided maybe to check out the card issuer as I was unfamiliar with this institution. Reading the reviews seems a common theme runs through them - their habit of reducing CC limits without good reason and regard for how it might adversely affect the customers credit rating. No thanks! Not worth the risk to my credit score. Their standard corporate response to all these customers who have written these negative reviews is laughable. I'd advise anyone looking to expand their credit and improve their score to stay away from this card issuer.


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My credit limit suddenly decreased by $600 causing my credit score to go down right when I was trying to get an SBA loan to get me through the corona virus epidemic. Having this card just ruined my life, I wish I would have read reviews before I applied for it.


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In 2015 I had very little credit. This I found out can be worse than bad credit. So I decided to stop using the Debit cards and get 1 or 2 credit cards. This would start building my credit score above the 615 I had at the time. Around the same time I made this decision, Wells Fargo Bank & First National Bank of Omaha sent me pre-approved credit card offers. Problem solved, 2 card is all I would need, so I applied. Wells Fargo gave me a $2500 credit line while First National Bank of Omaha gave me $2400. A bit low but it would still work.


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Horrible bank policies. I worked on building my credit for 6 years. I improved from high 400's to 750+. I had 2 cards with FNBO and carried over a balance of about 30% on each card. One had a CL of $11K and the other had a CL of $13K. I did this on a few cards to build my score and finally was able to buy my first home in November of 2019. In Feb 2020, FNBO lowered both of the CL's without any notice or explanation.The CL on both accounts dropped to just a hundred or so dollars of my balance. My utilization went from 30% to 90% on one card and from 33% to 98% on the other.


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Following instructions of merchant provider and clearing it with the bank in advance, upon charge the bank closed CC and refused to investigate. I operate a small business, and use the First Bank Credit Card ran by the First National Bank of Omaha. This bank is listed under several different names in order to make customer complaints harder and virtually irrelevant. This business looks only at numbers. I spoke with a service agent, looking for a reasonable solution to a simple problem.


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I was mailed an invitation for a pre-approved credit card with a $1,400.00 credit limit. I took the offer, have NEVER had a late payment with this or any other cards or loan accounts. My "On time payment history" is 100%. My account due balance is $0,00 with this account, my score went up 107 points one week and the very next they decreased my credit limit. I called twice to ask why and no one could give me a good answer.


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On 3/17 my credit limit on my First Bankcard Visa was decreased by half (from ~11k-5k). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95% of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief Google search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.


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One of the consolations these days for working to pay off a credit card balance with a high interest rate is supposed to be the rewards program. If you agree, do not choose this bank. I used rewards points to buy a Christmas gift. When I received the item it was like a toy you would get in an arcade game and it was damaged to boot.


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I was solicited through the mail by this bank after buying my Jeep. Jeep DrivePlus Card. I grabbed it so I could use it for emergency repairs at my dealership. Have had the card for less than a year. Used it once. Paid it off just after. Without any notice, boom! Account is cancelled. I periodically log into my account just to make sure everything is as it should be and couldn’t access anything. Called customer service and got the news. Absolutely no recourse. Account is permanently closed due to inactivity. Can reapply. ??! I don’t think so! All of this and not so much as an online account message or canned letter telling me to maybe (hint, hint) use my card. So here I am. My credit takes a dive. Do yourself a favor and stay away from First National Bank of Omaha.


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I opened a personal loan with them to pay my credit cards off. The agent who helped through the process was a little rude and didn't get my bank account information right. I was hesitating about getting an automated payment that day but she convinced me I was going to save me some money so I did. The following month I realized a $15 dollars fee for having the wrong account information and that was the agent's fault not mine. I paid off the loan this month, two weeks in advanced the due date for the month because I realized I was paying more interests than with my credit cards. I canceled automated payment on February 12th.


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I opened an account shortly after purchasing my Jeep in 2015 to keep in the car for emergency purposes. I was given a 5k limit which is considerably smaller than my Amex card (30k) I use regularly. I was notified recently via credit monitoring that the account had been closed so I called customer service to see what the issue was. I was told it was cancelled for inactivity. I explained the reason I opened the account and asked if it could be reopened. I was placed on hold and then told I’d receive a letter stating my account was closed for inactivity which I was already aware of given the call I was on. I asked again if the card could be reopened and was told it was a permanent close so they couldn’t open it again, but I was more than welcome to apply for another account instead.


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This bank is a damn joke!!! I opened my account in Dec, I was unaware that a payment reversed. The bank took it upon themselves to place a hold on my account w/o consulting with me. I called customer service to update my number several times, the fraud department informed me they can't see each other notes, I called in several time to speak to someone regarding this issue. 


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I had this credit card for three years. Never had any problems until a week ago. I ask for a hardship, they asked me for my banking account which they already did had my banking account I was paying from the bank for three years. Well anyways a week later they sent me a letter. They were saying I gave them a wrong banking account. I told him that’s not true because I was paying with that bank for years and it was the same checking account but they insist I give them wrong number, And now they’re saying I’m not qualified for hardship because they enter wrong numbers on the checking Account. 


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I have worked with FNB of Omaha on a couple of occasion, once as a new homeowner and once for a home equity line of credit. Both times have made me never want to work with them due to their policies and lack of tact and care. This past year I went through a very traumatic and stressful year. I started a business with my husband and lost my brother within months of each other. I had a booming business and was trying to get my feet under me, and I had a hard time keeping up with things personally...understandably. 


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I have had FNOB credit cards for years. I had a rough couple of years and have high usage on my cards. The last year or so, I have been aggressively paying down my cards to improve my score. As we know, credit scores are affected by credit usage. As I decrease my usage, my debt to credit ratio improves - NOT with FNOB. Repeatedly, they have LOWERED my credit limit, while I am lowering my balance. My other credit cards reward my on-time payments and my attempts to reduce my debt. I'll be keeping my business with those banks. Stay away, as any attempt to improve your credit score will be thwarted by FNOB. Why? So that they can charge you some of the highest interest rates in the industry. The worse your credit, the more money they make. Be wary and get out of an FNOB account the minute they try to lower your credit limit. This company hedges their bets against you. They are not your friend.


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I would give it to zero Stars if I could. This is the worst bank I have ever banked with. Their customer service sucks. They don't allow you to remove your own name from a joint bank account if you don't want to be associated with it. They don't allow you to transfer funds to any other bank unless it's another one of their branches so if you want to transfer money you have to set it up as a bill pay and then they mail out a paper check which takes a week or more to get to where I been mailing out paper checks in the mail. Who does that anymore? That is very Stone Age. This is a terrible bank. Don't ever sign up with them because you will never be able to close your account and walk away. I have never been treated so unprofessionally by a bank before. Every time I call them with anything I am met with tired grumpy sounding voices people who are very short on the phone. They treat their customers like crap.


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My mom recently passed. I call First National Bank of Omaha, they request her death certificate via fax, which I had to send three times because they weren't receiving it. Then I hear nothing from them until three weeks later I get a notice that they have a lien against my mother's estate for a $500 bill. One, they never ever sent me any bill. Two, my mom was a loyal customer for many many years. I at no point was shirking my responsibility and had given them my information so that I could pay the bill. When I called customer service the lady was snotty, told me that they have sent a request for payment three different times (in one month's time?). Why would I ignore those letters in order to get a lien on my mother's estate for a $500 bill? They are an unprofessional joke and I will never endorse, recommend or use first National Bank ever.


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Hey I just wanted people to know what First National BANK OF OMAHA/ First Bank Card did to me.. My credit score fluctuates around 690 to 740 in the past 5 yrs. With that said I also have (3) credit cards with American Express with limits roughly $25,000 carrying about $4,000 balance plus a few more cards which carry no balances at all. So Pretty much I have $35,000 in credit in all..so I applied for this card for the gas perks etc. They initially gave me $5000 limit..ok no problem. I expected that much..I was going on vacation so I decide to..just in case..I needed it for an emergency only! I asked for cash advance which I already had & didn't know..so they sent me a pin number..so I never used the cash advance.


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My mom recently became ill and I am paying her bills. Received a letter regarding non payment. Called to make a payment and the representative was unwilling to make accept my payment. When I am clearly a secondary card holder. I explained that my mom recently had a stroke shock left her unable to communicate and I simply wanted to make a payment on the account. They are requesting that I mail/fax POA PAPERWORK. Wait up to 10 days for them to be reviewed and call back. I explained I’m smiling wanting to make a payment and he still refused to accept that payment. Well not only is this showing on my credit as a closed unpaid account but I can’t even pay them. Do not I repeat do not get a card from them. Their customer service is heartless, unprofessional and rude. This company is just money hungry and heartless.


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Always make my payments on time, if not early. Just received a notice that they closed my account because I "no longer fit their credit profile!" So now they're ruining the credit I have been desperately trying to repair by pulling my credit report without my knowledge or authorization and closing my account to boot!!!! STAY FAR AWAY FROM THIS COMPANY!!!!


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I was given a $5,000 credit limit via American Savings Bank, which uses this service. The credit card company tried to take the balance of my credit card out of my checking account without authorization! It did not go through and then they sent me a notice that they were going to reduce my credit limit, no apparent reason. I had been making monthly payments, and there was no reason. Whenever I would call in my payments, they never posted them, screwed up again. This company has messed up my life and the credit for so many others. How bout filing a class action law suit?


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We had the card for about a year. Carried a minimal amount on it and always paid more than the minimum and always on time. Received a letter stating it was being suspended for 6 months, no real reason or explanation. Next thing we knew it was closed. Again, no real reason and no explanation! We recently purchased a house other than that there was no fluctuations to our credit. A mortgage, one car payment and one other credit card. That is it. Nothing else as far as debt. Ridiculous hit to our credit. Wished we had never opened this account. Only did it to get the benefits since we visit Vegas 4+ times a year.


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WE have had a credit card with this company for decades. We always make full payment of our previous balance and have never missed a payment. We recently filed our first dispute. They initially were not even going to submit the dispute to Visa. We told them that the dispute was for misrepresentation. The customer service representatives didn't understand this dispute category at all. They finally submitted the dispute to Visa. However, We do not know what dispute code was used. Visa denied the claim. The company has not offered any other assistance except to tell us to work with the merchant. We called to cancel our card last night. No apology in any form was given.


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First Bank of Omaha is a damn joke. I am not certain if Clark Lauritzen and his board are making decisions about people's credit lines and sending out letters based on with fictitious or erroneous credit information. I hold a Mastercard with this bank and my credit line was decreased by 30% at least. I received a letter from FBOA regarding some really thin details as to why the decrease occurred. 


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I have had this credit card since 2014. I recently made a payment more than double the minimum amount. I have never been late. For unknown reason, an old checking account which has been closed was used for the payment! I gave FNBO the new checking account number months ago! FNBO has processed payments for months using the new account. I get a nasty gram from their credit department saying my account is in delinquent status. I have since used the new checking account for the alleged past due payment. 


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First National Bank of Omaha or First Bankard stated that they would no longer carry the NRA branded credit card and would not open any more accounts with that notoriously abominable organization (sarcasm), but now they have started closing our accounts due to a randomly picked credit report of our creditworthiness. BS. This is blatant lying to their consumers, my credit has never been better, in fact my credit has increased in the past two years since acquiring the NRA card! FNB of Omaha is a farce and just bending their knees to the leftist destruction of our country. So be it. Glad not to be affiliated with such trash. Moral of the story? Stay away from communist companies. Hope I haven't offended any person because of my inflammatory rhetoric, but the truth hurts and the leftist are without the truth. Just my two cents and an honest opinion. Take it or leave it. God Bless America.


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This is a horrible institution. I was recently a victim of identity theft, and this bank did a lousy job investigating my case, they did not investigate it clearly and are holding me responsible to pay fraudulent charges that have been made. Do not waste your time applying this card, the customer service department is extremely rude and you are never able to reach anyone normal. Save your money and apply elsewhere. They will do anything to make money off you, even when you have evidence and provide proof you have been a victim of identity theft. Very disappointed in the horrible service and way all this is being handled. Do yourself a favor and never apply or have dealings with this bank.


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I would highly advise everyone stay away from this company and any cards marketed thru them. (check the bottom of the app for who issues) I have had several rounds with cards they issue, most often recommended to me via some platform. Each and every time a hard inquiry and then decline. My score stays at the high 780 to 820. Little debt, numerous accounts spanning 2 decades. Amex Plat no problem at all, numerous other high end cards. But these people at First National Omaha nothing but trouble. Before I ever accept or apply a card I check if it is connected to First National Omaha. Toss it. I even had a TCF prescreen app they sent me. Declined. They will post their standard BS reply to this so sorry, please call yada yada. Do yourself a favor. Stay back.


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I received a call apparently from the head of mortgage lending to see if I was interested exploring refinancing since interest rates are low. I said “sure” and he said he would have a personal lender call me with details. This person called and discussed the details. I said I wasn’t really interested in refinancing but agreed to look over the outline if he ran some figures and showed me all the data. The next day I received the email with the details, I talked them over with my wife, and we decided that we weren’t interested. 


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A couple of years ago, I received a pre-approved Amex card form from FNBO. Since I already had everything else (Visa, MC, Discover), I figured, "Why NOT get an Amex?". Since many smaller businesses don't take Amex, I really didn't get any use out of it, but since closing an account can at least temporarily hurt your credit, I decided to keep it open, even after they refused even a modest increase of my already modest ($2,600) credit limit. On Sept. 27th, I got an email from Credit Karma in which they asked "Did you close this account?" It was the first time I'd heard of FNBO's intent to close my account for "lack of use".


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Updated on 02/07/2020: I had account with 1st National Bank of Omaha. 1 year we made agreement to pay $56.00 a month which until Sept of Moxley and Associates sued me. I agreeded to pay $227 a month. In Jan I got bill from 1st Bank Omaha saying I needed make payment of $78 in 5 business days. I called Moxley. No they wouldnt do that. Today of Feb 7th I got a bill from them again. From 1st national bank of Omaha sent me another bill to pay. I now question Moxley law (Whom has not Validated the debt) if this is even a fraudulent lawsuit.


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Do not use this bank. They have no control over fraud. Completely sabotaged our payroll and then when tried to call and put the account on hold that was fraudulently set up by another person they said NO! They wouldn't freeze the account. What type of bank does that? This bank is full of thieves... That's it.. Don't use them EVER!! Not for banking, not for credit, not for ANYTHING. If you value your monies you will leave this bank out of your equation!!


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I have been a member since 2016 and never missed a payment. They have raised my credit limit. They out of the blue lock the card stating I have too much debt. Like I stated I have never missed a payment and most of my debt is I bought a house. They said they will review my debt in 6 months and decide if they will let me use the card again or close the account. From what I understand is closing of accounts hurts your credit even more. I just can't understand if I have been a good customer and never missed a payment why you would do something like this. When I called they wouldn't work with me at all or listen to me that 90% of debt is a mortgage. All they would say is we will review in 6 months and decide. Very frustrating when you're a good customer.


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Good interest rate on savings, 100 times more than local offices here, inconvenient of course that it takes a day or longer to deposit, transfer funds, or withdraw (into another bank). Weekends and holidays exaggerate the timing too.


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After reading the reviews on this card (First National Bank of Omaha Visa Credit Card), I thought I would apply for an account with this bank. With a CK score on 780 and 781, 22 credit cards (18 with zero balance due), 4 cards with 19% credit used. My total credit available is 134,480.00, and I have an income of $100,000.00 per year. When I requested the credit, they denied my application for credit. If I was able to speak with someone over the phone, I would have told them, thank you and I hope they would be able to stick their card so far up their back half, that sun would never shine on it… BEWARE OF THIS ONE.


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I’ve had a credit card with this bank for quite a few years now. I originally opened it for the balance transfer option, and everything went smoothly with that. Fast forward to the past couple of years they began significantly raising my credit limit, even though I wasn’t using the card. I would randomly get a letter in the mail from them telling me they raised my limit again and again. The final increase was to $30k, and at the time I didn’t even use the card, so it was irresponsible of the bank to issue such a credit limit. It seemed insane to me but I figured it didn’t hurt my credit score, so whatever. 


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I had two American Express credit cards through First Omaha Bank with perfect payment history yet my credit limit kept getting lowered like many other on here! Never missed a payment or was late and their reasons for lowering my limits were nothing more than garbage! So today, I took their advice and lightened my load by cancelling both cards and going forward will not do business with them in anyway and will spread the word how bad the bank sucks! Funny thing is that 5-6 of my other credit cards from other banks all raised my limits and were self generated on their part, so guess they like the business and my credit! DO NOT USE THIS BANK FOR ANYTHING AND I MEAN NOTHING!!


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We have had an FNB credit card for 28 years when Experian notified us FNB had cut our credit limit nearly in half, without any justification or request negatively impacting our credit score. Not once during that 28 year period have we ever been in arrears or late. In fact, we always paid off the amount due in full before the due date. When I called to discuss the situation, I was told a letter had been sent 7/11 explaining the situation and they wouldn't discuss it with me prior to my receiving the letter. Three calls later with the final occurring 7/21, I was told they are delayed in sending out the letters but the credit department would not speak with me period. 


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I am a credit card customer but not for much longer. My May statement showed a 2400.00 balance which was paid prior to the due. The account was paid in full but not according to them. They assessed a finance charge of 26.00 in spite of the fact that it was paid in full. They cite some legalese that basically is a just an excuse and are indifferent to you as a customer. I have filed complaints with the BBB in Omaha and the Nebraska Attorney General's office for deceptive trade practices.


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I am 58 y/o and have had many different credit cards since I was 18 y/o, 40+ years. First National Bank of Omaha is by far the worst credit card provider I have ever experienced. Without any notice or solid reason, one day out of the blue I received a letter by US Mail notifying me they had closed long-held credit card my account. They claimed to base it on credit ratings but the strange thing is my credit rating actually improved according to all three major reporting agencies. When I contacted FNB, they revealed they actually have their own rating system. In other words they use an internal system, which no consumer has access to and FNB won’t explain, to decide whether to keep you active or shut you down.


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I went into the site in April to pay my credit card off. On the site they list 3 amounts, one for minimum payment due. One for statement balance, and one for total balance due. Which would you like to pay, I selected total balance due. Lo and behold I have been getting collection letters stating I have a balance due. When you call them you get the same explanation repeated 5 times just with different wording about as to why there is a balance. And to top it off you're talked to like an idiot. And to further aggravate you, you get put on hold for 30 or 40 minutes at a time. Mmmm wonder why there is so many call ins!!!! 


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I actually would like to give zero stars. I have dispute on my credit card charge, so try to contact to customer service but it is almost impossible. Called to their customer service # few times. They kept transferring me around to departments, after more than an hour wait got disconnected. Called them again, but same results. Then I sent inquiries messages several times already via online message center, of course no response from them at all. Seems like they try to steal money from their customer. My issue is still unsolved.


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Took my $300 deposit. Immediately took a $25 "Annual service charge", I paid my first payment of $50 (they only ask for $10, early by 5 days), which they claim they never received but I received a confirmation number. Then I started receiving 50 phone calls and 30 text. Now I'm being charged a 22% late fee on my own money and I'll bet they are reporting this to the credit bureaus. They are doing more harm to my credit than good. I will NEVER use their "CREDIT" card nor give them one more cent. Their customer service reps are pompous jerks.


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I had 2 cards with this bank, NRA and Orvis. I received a letter stating they were closing my Orvis account because I didn't score well enough in their review. I called to inquire why it was being closed and got the typical corporate BS answer. I was so furious I told the customer service rep to closed my NRA account as well. DON'T DO BUSINESS WITH THIS BANK, now I'm going to have derogatory information about me to the credit reporting agencies that isn't true. I never missed or paid late on the accounts.


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If I could give zero stars I would. I was alerted by Credit Karma that my account with FNB Omaha was closed. Never received a call or any kind of notice. I was shocked because I have never been late on a payment. I have always paid more than the minimum. I have never maxed out my card. I was in the process of rebuilding my credit. Now my credit score has dropped drastically. I am so disappointed in FNB Omaha. This is not how you should treat a loyal customer. Absolute crap.


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My Sheetz credit card was closed by First Bankcard-First National Bank of Omaha. They said they use a scoring system and decided to close my account. I have never paid late. I always pay more than the minimum due. It is bad for a business to treat great customers this way because of a ridiculous scoring system that does not reflect me at all. This card was great until they did this to me and my credit score. I would not recommend this company if you intend to always keep the same credit card.


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I had a SCHEELS Visa since 2015. Never was late on any payments! I have fair credit. I was working on getting better and then they close my account without warning with a balance! Then proceed to send me a letter saying I’m responsible for paying balance of the card with I was already doing! And they hurt my credit even more by closing an account with a balance. So unfair!


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Had our Mlife credit card for well over a year. Never late, on time payments always. Credit score not the best. However you guys decide to make it worse by closing account our account. An account we haven't even used for over 8 months due to paying it off. Lower balances if you have to, or at least warn loyal customers before you decide on close an account and do further damage to their credit. This is a very poor practice and from the amount of negative comments I foresee a class action lawsuit in your future being very likely.


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I have had an FNBO credit card for for 2 years. We periodically used the card and primarily took advantage of the balance transfer options. We never went over our credit limit or missed a payment. We were alerted by our credit monitoring company that our account was closed. Upon calling the company we were told they pulled our credit and decided to close the account. They said having a high balance was bad for our score. They don’t care about our score because a high limit card being closed by the grantor makes our score drop even more than our high balance. Plus they didn’t have a problem with the high limit when they offered me the balance transfer. I am closing my savings account with them tomorrow and will NEVER use another FNBO product again.


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I have had a card with them for several years now and they didn't give me any reason to say a bad thing about them. I request cl increases and got approved. I then chose to open another account because of how good they treated me. I got approved. My wife took off for one year to take care of our son and I used credit to supplement our income till she started working again. I froze my credit to prevent fraud and in Hopes to help me improve my credit. I got a better job and she started working again. I started paying off debts with a tax return and a loan from my 401k. I budgeted my payments to payoff credit cards starting from the lowest balance, working my way through the cards. Next thing I know, I get a notification from my credit monitor that a card has decreased my cl. It was one of my FNB cards. 


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I signed up for a Best Western Master Card. When we attempted to redeem rewards we learned the process was very cumbersome and decided to cancel the card. I had just paid an annual fee, and asked to have that refunded or applied to the one purchase I had made. They told me because I had made one purchase they would not refund any part of the annual fee. So I was charged 59.00 for the upcoming year. They refused to prorate the fee or apply it to my bill. These people are Banksters.


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I pay all my bills online thru bill pay. Because this bank does not participate, my bank has to send a check thru USPS. The check was mailed 2 days prior to due date but was not processed until 4 business days later and credited yet another day resulting in a late payment and a late fee being assessed. I contacted the bank as they waived the late fees but I still closed my account. Very poor customer service!


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This card is a joke!! I have had the MLIFE card for about 3 years, started with a limit of 5,000. Used the card only in Vegas for our trips. For 2 years in a row now they have decreased my limit for no reason. I have other credit cards that have sent me credit increased recently and this joke of a bank decreased my credit limit. I have never been late on a payment and always pay the balance in full. I have made a 1500$ payment 2 months ago, and another 815$ payment 2 days ago, paying the card off and they decreased the limit. AVOID this card at all cost. I won't ever use the MLIFE MasterCard again, MLIFE you need to find a different bank to go thru for all your customers.


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I opened this card to use for travel expenses and let me just say it was by far the worst customer service I have ever witnessed and I run a restaurant and deal with people all day so that’s saying a lot. I was locked out of my account so I called to get it reset to make my payment, that never happened. I tried to send a check through mail. It got sent back and when I was told a supervisor would call to try and help me figure out what was going on they never did. So now they closed my account for permanently and basically told me to figure it out myself when I have never missed a single payment in the past. Would not recommend this company to my worst enemy. Absolutely horrible.


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They sent me a card that I didn’t apply for. I destroyed it. They started sending letters about it. I called and told them I didn’t want the card, didn’t apply for it, and wanted it canceled. They are now sending me bills and are saying I’ll soon have late fees. All the charges are to Orvis, a division of FNB of Omaha, it’s a Visa. I think I should be able to sue them for my time and, esp. if they ruin my credit.


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Have had their Dodge Performance Credit card for three months now. Paid off the full amount the first month then they put a hold on my account from paying online. Sent me a letter stating such, so I called customer service (waited 32 mins). The girl told me she would take the block off, mind you they took the money out of my bank account days before this cleanly. Told her I also wanted to pay a $200 new balance weeks before it was due and logged into my FNB account after not seeing the payment leave my bank account after 5 days and it showed a return of funds.


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I’ve been an account holder with this bank for 6 years. My limit was 5k with a decrease to 2,500 about 6 months ago. Never a late payment with anyone for over 10 years and today Credit Karma revealed to me my account was closed in January. This is something to be expected if you're not paying on time I’d assume but to not notify a customer that’s been with you paying on time for years is extremely unsettling.


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Avoid opening an account with them, if you need money go to a real bank, this is an online bank live and expand by the fees they charge even if you pay in the same month, such a business need to be further investigated as it has 0 satisfactory!!! What a business in the world that has 0 satisfactory!! Not even a Chinese scammer business!!! IF YOU WANT TO HAVE AN ACCOUNT WITH THEM LOOK AT THE REVIEWS EVERYWHERE, if you see 1.5 not even five then there is a satisfactory, they have 1 because there is nothing less than 1, if there was -100 they will for sure have it. THEY GOAL IS YOUR MONEY NOT YOUR SATISFACTORY.


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Warning. If you choose to get a First Bankcard it will end up being the BIGGEST mistake you could make with regards to credit cards. It is so bad I refuse to shop on Overstock.com ever again. As with many other reviews I have seen my card was paid on time and not over the limit. It had been in good standing. Today I received a notice saying they are cancelling me and one of those reasons was because I paid off my car and instead of getting a new one with a monthly installment note I chose to remain free of a car payment. So they cancelled me. 


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I too had an Overstock credit card which was issued by, First Bank of Omaha. 6 months ago they found Credit-speak reasons to lower my limit (although I didn't use the card) and this month, I received notification that my account had been closed for the same Credit-speak reasoning. Paying on time every time and higher than minimum payments has not stopped them from damaging my Credit. I would involve myself in the class action lawsuit I am sure is on the horizon.


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I have had my card for over 5 years. Always paid my card on time double the amounts. Was never late. I got a letter yesterday 2-25-19. My account is now closed. The reason they explained in the letter was they received a notice from the credit company. I have never heard of this before, my credit report will show for the past 20 years all bills have been paid on time. Closing a card lowers your credit score. I did call them. They advised, "Read the letter. That is why your card was closed."


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I called to cancel my First Bankcard on the day I received the notice that the annual fee was posted. They could NOT waive the fee. I am not happy. I had a zero balance the month before. They told me I was notified of the annual membership fee coming due so they will not waive the fee. I have never heard of such a policy. Not a happy Customer.


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Updated on 03/07/2019: I paid my balance IN FULL on my RAKUTEN Master Card just a few days after First Bank closed the account for no apparent reason. Always paid on time, never late, etc. I called First Bank customer service today, but even with a zero'ed balance, they will not even consider reinstating the account. I don't need their credit line, I have several others bank cards with full available credit. What upsets me is that they slam the door on me when I call to request a consideration of reopening the credit line. No negotiation at all. They say I need to reapply as a new customer... Caveat Emptor with doing business with First Bank Of Omaha. They will throw you under the bus!!


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Like everyone else I had an Overstock credit card which was issued by, I believe First Bank of Omaha. Last month, I received a credit monitoring notification that my account had been closed with various "waffle" reasons given. ZERO notification from First Bank. It seems they have ended their association with Overstock and are closing accounts. Happening to many people and credit is being ruined. Currently myself and several others are investigating a class action lawsuit due to their underhand actions.


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FNB OMAHA did not notify me of this cancellation until I disputed the notice that it was closed on the credit reports. On 2-22-19 I received notice. The reports were accurate and on the same day I received a notice that my account was closed. The notice was backdated to 1-17-2019. Never late, paid more than minimum, had this account for over four years. From what I found in researching this, the credit card companies can do this at their own discretion without notifying the card holder. This is really a bad practice. Hope these complaints have an impact, would like to have the companies notify their card holders when the account is canceled at the time the action occurs rather than when a card holder disputes it on their credit report.


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Have had an Overstock credit card for over 5 years and received a letter today stating the account has been closed. The letter is stating that the account is closed due to excessive delinquencies. I do not have “excessive delinquencies" with this account nor on any other account. My credit report does not show any delinquencies either. Not sure what is going in with this company but based on the number of recent complaints I believe something fraudulent is going on.


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First National Bank of Omaha closed my "in good standing" account without warning. I have had the account for over 6 years, ALWAYS paid more than minimum due and NEVER made a late payment! Today, First National Bank sent me a letter stating that my credit score had dropped so they were closing my acct. Despicable action since I have proven to be a customer who pays my bill and ALWAYS on time. I am very unhappy and would never recommend the company to anyone.


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I checked my credit score a few days ago and my score had dropped by almost 30 points. I looked and saw that my FNB credit limit had decreased from $5000 to just over $2400, that made my usage go up to almost 95%. So I called customer service and the lady said that I had too many inquiries and something else, she said they sent out a letter which I never received. I don't have any recent inquiries on my credit report, the only thing that I see is that I had a late fee, which I paid my bill on the due date, but it was after five and was charged a late fee, which was then credited back to my account. I think that was the reason they lowered my credit line, I looked back through my past statements and had not had a late fee since 2015. They are full of crap and I will be paying off they card and closing this account.


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FNB of Omaha decided to close my account without telling me. If it were not for Credit Karma alerting me of the closure, I would not have known. Apparently, they closed my account in mid-January. I, however, made a pay-off payment a week ago, so I owe you nothing! I called customer service to be told they longer partner with Overstock.com. I asked why there wasn't any correspondence sent out about the closure, to which she responded "letters were sent out this week." Aren't you supposed to inform customers BEFORE you close their accounts?


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Closed my account without warning. I always paid on time and more than the minimum. I had over $2000 credit available when I received an alert from Experian that the account was closed and marked settlement. Now, never missed a payment, FICO in the 700s and they do this. I called customer service and was told, letters were supposed to go out. Note the plural, letters. Other people have experienced this as well I can see from the posts. We're in process of selling and buying another house and First National damaged my credit for no reason.


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Our account was compromised 12 times at various Sams Clubs in Florida in one day. Luckily for us, I do not depend on the Fraud Division to monitor our accounts; I check our balance daily. The bank did “catch” some of the purchases and immediately reversed them. There were a total of $1,100 various purchases made. I never received a phone call, text or email advising us our account had been compromised to report fraudulent purchases, nor did they cancel the debit card used. 


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I had a wonderful, long, 10 year relationship, with 1st Bank of Omaha until today. I was diligent about making the payments and always carried a balance during those years. Basically I was a very good customer, and they made a good bit of change over the years keeping me as a customer. So imagine my surprise to find out my account had been closed without warning. To make matters worse, I found out what they did because they sent me a replacement card in the mail. I called up customer service and tried to activate the card only to be told - "Sorry your account is closed. Your credit score has changed and we no longer want you as a customer." I would be getting a letter in the mail notifying me of the change. 


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I opened this MasterCard 7 years ago and saw steady credit line increases since I never paid late and never went over my limit. Last year they dramatically decreased my limit saying their automated routine credit review decreased my credit limit. All the while three other accounts at other banks INCREASED my credit limits. I refinanced my home and dropped my overall credit balances. My credit score WENT up on all 3 credit bureaus and suddenly without notice they canceled the account.


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Discovered by accident that my Mastercard had been closed out. Spoke with customer service and was told multiple accounts have been closed recently by the bank. Also that I would receive a letter in 7 to 10 days to explain. Strange way to do business. Was making minimum on time payments each month. Assume that was it not sufficient for them to conduct their business. This could and should have been handled better and I should have had the opportunity to correct any perceived problem. Very poor way to do business.


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I am among the thousands of people who magically have their credit card limit decreased right above current balance even after years of being a customer with 0 late or missed payments with them or anywhere else. I mean 0. This horrible credit card company will reward you with credit decrease in an attempt to harm your credit making it look like you're utilizing all your credit limit. STAY FAR FAR AWAY. THEY ARE BAD BAD BAD.


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After having this card for over three years, they have given me another credit decrease right after they gave me an increase. I have never had a late payment with this account or any other account, had to find out by Credit Karma my credit has been decreased by 50%...no notification, no email, no message. Called customer service and they were less than helpful. This is not first time this has happened, now my credit limit is at almost at 100% and my score has gone down by 10 points. I will pay off this account and throw the card in the trash along with its almost criminal APR... Don't waste your time with this inferior credit card company.


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I have had my Overstock credit card since 2017. I have never had any late payments and have always paid over the minimum amount due on this card. I recently made a payment on my account and went online to check that the payment had gone through, and to check my available balance when I discovered that I had zero available credit. I immediately called to find out what caused my available balance to be at zero and was told that the bank had closed my account due to my credit score. My payment history has been immaculate with no late payments or collections for over 10 years and this company decides to drop me and put a black mark on my credit history for no valid reason and without notice. This is totally outrageous to get dinged on my credit when I pride myself in making payments on all my accounts on time. Shame on this company for this type of practice that negatively affects their customer's credit history.


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I received a pre-approval offer for a credit card from FNB stating balance transfer 5.99% interest until paid off. I transferred my balances to their bank and paid a fee of well over 400$ for the transfer hoping to save interest. I received my first statement and my minimum payment is almost 1000$. Why would I transfer balances I wanted to pay down at a lower interest rate to them and have a minimum payment 4x the normal payment anywhere else? now I will pay off the card and close the account. I will contact the NYS banking department to let them know about their unfair practices of bait and switch. They had me move my balances over with the promise of a rate 5.99 until it's paid in full. They are trying to make me pay it off in a year. Worse SCAM I have ever seen. Stay away from this bank.


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I've had my card from FNB for 7 years. Started out at a very small credit limit and am now at 30 gs they have always stayed on top of my transactions. How I paid and I have never ask for an increase, my experiences I have had are top rated. Quite pleased with this bank.


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I got taken by the kiosk merchant, claim their printer terminal was not working then turn around. Charged me in excess of 500.00. File the dispute but since I give them the card, the lady at the dispute department told me they can't do anything at all! Really? And signature they try to pass off as mine is not by mine. Still no go. This company will not stand by the consumer, I still have to pay since my credit rating is important to me and unfortunately I do want to earn future points from the M life. I did not close the account, however, in the future, I will only use this card for M life purchase only since I know I will not get any normal credit card purchase protection. I would give Minus 10 rating if I could!


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On Dec. 1st 2018 First National Bank of Omaha STOLE $960 from my checking account and is claiming "skimming" fraud at the 108th & Blondo ATM. No skimming fraud has taken place. First National has committed this fraud and I am concerned about how many customers that have used this ATM have also had their money stolen from FNB. The funds in question were reported missing on Dec. 2nd, but FNB didn't report until the 4th. Federal Law provides them 10 business days to conduct their investigation and issue their determination. However, if they can't definitively prove that their account holder engaged in the fraud, THEY MUST RETURN YOUR FUNDS. 


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I am a twenty year customer and I have always maintained several accounts with nice balances. I had a maintenance Free checking account from when I first opened an account with the bank that I was no longer using that was charged maintenance fees until it had a negative balance starting a little over a year and a half ago. I had left a little over a $100 in the original checking account and had not worried about it since it was a service charge free account and I would close it once I was sure that no additional charges would come through.  


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This is the WORST credit card customer service department that can possibly exist!! Someone stole my account information and got into my online account and changed my address and email. They did alert me to fraud, so they cancelled my account and issued me another card. Guess where they mailed the new card to? THE FRAUD ADDRESS!! So we went through the process again. I got a new card again, but they reported the fraud address to my credit bureau and refuse to admit they did it, so they won't delete it from my credit bureau file. WHO ELSE COULD HAVE REPORTED IT??? They also say they can't delete the other fraudulent username from my account (which gets confusing when I need to call into them). What a joke this company is and the people it hires!


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I opened a secured business card with a Rk deposit. After 16 months of use and paying off the balance every month I called to get my deposit back. Thema on the phone line said I can't get it back unless I close the account. So I was lied to by the gal at my bank who said I would get my deposit back or the man on their customer helpline lied. They also keep failing to update my address change. They also lock up my credit card EVERY time I use it. This has caused trouble for my business. We thought they would be better than this as we have had all our accounts with them personal for 6 years and business for two. Our business poured serious cash to them and it's offensive to be treated with lying. It's a nightmare to have my card locked up all the time and that they cannot seem to update the address records since July of 18. DO NOT USE THIS BANK unless you thrive on lies and incompetence.


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I got two cards from these guys for a balance transfer with a 5.99% fixed APR. I thought I was making my monthly payments much smaller than keeping a 19% APR Citi card that I had. I just received my two statements and both are higher than my minimum payment would have been if I kept the 19% card. There is no detail to how they came up with my payment on my statement. AND they have a “if you pay this much a month, you will pay it off sooner than just paying your minimum payment” and that dollar amount per month was 50% less than what they told me my minimum payment is on the statement. The online messaging is a joke. They don’t respond to any messages you send.


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Secured Credit Card Practices: I’ve had a $300 secured credit card for over 18 months. When I signed up for the card the app said it could become unsecured in about 11 months. I’ve done everything on my part (never went over, paying on time, paying more than the minimum. Etc.) But yet the card still remains secured. I’ve called several times to find out why but only to be told the same thing. They don’t know why, keeping up what you're doing and when you meet a certain criteria then the computer will automatically switch the card over. "We have no control over that and can’t tell you anything further." Since I got the secured card l have obtained a $1000 unsecured card from them also. So evidently I’m doing the right thing and my credit has increased. Something isn’t right.


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I applied for an MLife Credit Card and was approved for $9,000++ credit limit. I would use the card for grocery, gas and Vegas and would pay on time. I've noticed that every time I paid an amount over $500, the funds would get held up and I would have to call their customer service dept and do a 3-way call to my bank to confirm that my bank had released the funds to them. I kinda found that weird but it went on for a while.


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Had card for about 4 years, never ever late on it. I paid half the balance off right before refinancing my home. Then, I paid the remaining balance off during the refinance. About a year later I received a letter stating if I didn't use my card they'd close it for inactivity. I used it and then received a notice stating I was over the limit and they were going to close account if I didn't resolve it immediately. I called only to find out it was already closed. I called as soon as I received the notice so that was zero opportunity given to resolve anything and I wouldn't be surprised if it was closed before they even issued the letter. I found out that they decreased my limit substantially with absolutely no notice. Then when I used it they allowed it to go over the limit by a few hundred dollars. What a joke of a company. I will be looking at reporting them and their unethical practices. I will NEVER feel with them again and wouldn't suggest them to my worst enemy.


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Customer service suck. I was trying to cancel my insurance plan and was given the runaround. The manager was like I just click a button and it goes away - called in months prior and it was never done... horrible service.


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I applied for a Scheels Visa and was declined with good credit. They are a waste of time. After seeing complaints about the card and finding out it was through First National, I may have been saved a lot of headache. They have earned their abysmal rating on Consumer Affairs. Don't waste your time with this outrageous, left leaning Anti American company.


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I did my research and FNBO Direct was the top rated bank in the country. I created an account and the first year or so everything went well. I thought that it would be wise to have all of our $ in one bank so I convinced my partner that we should move our money there. We opened an account for him only and a joint account for the house/bills/etc. It has been an absolute nightmare! We deposited our work checks to the account and had to wait a week for them to be available and when I called, I was told up to 10 business days. WHAT? Even after checks from the same payor were deposited.


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I've been with this bank for several years now and never missed a payment on any of my accounts and every 6 mo they almost double my limits. Great bank. I started out with two cards with $5300 limit and now its $15000.00 and the other card which is a Amex and it started out as $8000.00 and now it's $ 24000.00. You take care of your accounts and they will reward you.


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Have used this card for years and never ever missed a payment. Was hospitalized and missed ONE payment - got a letter informing me of a credit line decrease from $12100 to $3950 which is only $5 short of what I owe on this card. Customer service was no help although I made a payment - more than what was due including the past due amount and a $26 late fee! Yes, American Express should drop this bank fast!!!


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I immediately contacted First National Bank of Omaha's Credit Card Department to inform them that a realtor used my credit card and charged unauthorized charges to my credit card. They told me to wait until I received my billing statement. After which I contacted them again and filed a dispute regarding being overcharged and gave them full details. They reversed the charges then later charged them back to my credit card account. I spent several hours on the phone with them to inform them that I did not authorize those charges.


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This company should be dropped by American Express. Their customer service is horrible to the point that if you trust them to do a job right they will surely screw it up and then defend themselves. If you want to pay off your card they will not allow it and quote you their disclaimer. BEWARE! In my case I paid them $5800 and change to pay off my card as I have family from out of the country coming to visit, I was moving to another state from a home I had lived in for 16 years and starting a new job. 


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I don't know if it is because this company is unethical, incompetent or both, but here are the reasons I have closed my account and recommending that nobody do business with this company. About three months after I got the account my statements stopped coming in the mail. I did NOT sign up for electronic delivery because it's for my business and I like to have a paper record. So I was late with one payment ($39.00 late fee plus interest) because of that. After complaining they suggested I signed up for "auto pay". I followed their instructions precisely to do that. Next month, I get a call that the card is "past due". The auto pay never took effect. Another $39.00 late charge and interest. At that point I told them I was paying off the card and cancelling the account. I suspect that they do this so that they can collect interest and late fees since I rarely carry a balance on credit cards, the interest rates are far too high.


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There is a membership renew $59 charge in my recent statement. Since I never used this card for a year, I called customer service to cancel CC and close account. The customer service told me that I have to pay next year membership, otherwise can't close account. What, this is the only credit card company I know that you can't cancel your CC without pay renew membership. The customer service told me that on previous month statement FRONT page has a written "Importance Message" to info me the renew fee. 


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So I happen to check my CS today and saw a nearly 50 point drop. I start looking and see a huge decrease in my credit limit and not high balance. I then call on my First Bank card from Omaha Bank which is my Speedway MasterCard. They then tell me I had 5 late payments which I have zero. Then said I had too young of credit. Said my oldest card is not old enough. It's 12.5 years. Then said I only make the minimum. False. I make 2 payments per month. One the first week, one the 3rd or 4th right before it's due. They then said, "Your last payment was Jan 24th." Again I do not have any lates. My bill is due the 25th each month. I told them to change it back to what it was as it now have screwed up my CS and they said no. 


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I paid in full the balances on my 2 cards on July 1, 2018, long before the due date. Now, the company is trying to tell me that I owe finance charges for the date of that statement until I paid in full. NO, this is deceptive practice. The statement showed only a balance due and the date due, nothing about extra charges, finance, interest, or otherwise. After reading how other customers have been treated with very long histories with this company, I am only glad I found this out after a year. I no longer want to do business with them and will not pay these 2 charges as it is deceptive and was NEVER made clear. Shame on you First Bank! My other credit card companies treat me very well - you can keep your cards. I have shredded mine now and am done with you.


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I’ve had my account with this bank for two years. I’ve never been late never or over my limit and make larger than minimum payments. I recently bought a house in California and to get utilities connected, new accounts and vendors resulted in 10 inquiries on my credit. My credit score dropped temporary because of the inquiries and expenses. By the way, on my credit I have never been late on a payment 100% on time for over 20 years. The drop was only for about three weeks. The bank lowered my credit card limit substantially. 


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After banking and financing my mortgage for years with FNB, I applied for a HELOC to finance a landscaping project. Not only was the loan officer not helpful in helping me determine the best loan for me, I had to contact her to find out my status as I’d not heard back in 10 days. She told me my loan was not approved despite my stellar credit and payment history of never missing a payment. I felt, having been a customer for over 18 years might have allowed some more counsel on what other options might be available. I got nothing. My family plans on switching our 4 checking accounts and mortgage to another bank that values its customers.


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I have 2 credit cards with the bank. I've had the older one for 2.5 years. One day I found out my credit limit was lowered from $14650 to $1000 without warning. I called and they told me it's computer generated. My credit is perfect. I have no bad stuff at all. My utilisation at the time was only $18. High credit score. I charged their card for over $13000 but after that I paid it off within the same statement. I sent a few faxes with no result so far. They said apply for a credit increase. Why would I do that when they may lower it next month? I wish they were reliable. I may just cancel my cards. Many options out there.


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After years of having a credit card with First National Bank of Omaha, never being late with a payment, and a credit score that has steadily increased, they dropped my credit limit severely, with no warning. Completely unethical practices. They literally left me with $100 available credit. Do NOT use this bank.


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This bank and their credit card department used to be a partner of the NRA (National Rifle Association). Recently they apparently broke their partnership and are not renewing it. So that is the starting point to this conversation. You will see where I am going with this shortly. So, a year ago when I renewed my NRA membership, this card was offered. I applied and they gave me the card even with fair credit at best. I simply did not need the card as I am working to repair my credit and have been paying off balances and doing the right thing to get that moved up. Well, in the past year, I simply forgot about the card, and never actually used it.


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I always paid my balance with this card, opened in 2016, never used more than 30% of my credit limit, no late payments on ANY of my accounts in over 6 years. My credit score dropped to 638 due to recent credit activity when I received a home loan (temporary drop I was made aware of in advance) and this FNB of Omaha closed my account. Experian shows closed 04/17/18 and Equifax shows closed 04/01/18, BEFORE I closed on the purchase of my new home. I have yet to receive the letter of notification of account closure they claim to have sent.


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I closed my account today 4/15/2018. The method of charging interest is a complete mysterious to me. For example. Supposedly, I was to get a 5.99 interest rate. However, in an attempt to pay off the account - My statement and a phone call to the customer service number indicated I had a balance of $271.00. I sent the entire amount. I called to confirm they received the payment. To my surprise, there was a balance of $27.71. I sent the $28.00. I called a third time to see if the $28.00 was received. 


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I had a dispute with a vendor over being charged for services not performed. I asked the credit card to put a hold on the payment. If I felt the card company had actually tried to help resolve my dispute I would not be writing this, but it was as if they predetermined to accept the vendor's claims and ignore mine. They put the charge through. Luckily I was able to resolve my situation through the Attorney General Consumer Frauds office.


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First National Bank of Omaha Gouges Customers - I was told in December of 2017 that purchases made at any store would hold a 0% interest rate until June of 2018. My wife and I used the card for most of our Christmas purchases based on this information to the tune of around $1,100. I just received my most up to date bill and found that I am paying 20+% interest on the very purchases I was told would be 0%. I called the customer service and was told there was nothing they could do about the issue other than lower my rate to 17.99%. I asked to hear the recorded conversation between myself and their representative and they said they could not allow that and that I would have to get a subpoena for that to happen. I recommend not using this institution for purchases, as I certainly won't in the future.


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Horrible card, fees upon fees upon fees even when it's their fault. I made a payment which came back Account not found. I called them and corrected the account number, then processed the payment again. Came back account not found... twice. Called them again. Corrected the account number for billing purposes and had the rude lady read the numbers back to me and told her to take my payment over the phone... at this point they already closed the account because they could not bill me because it kept saying account not found... They got me for $90 in fees. DO NOT USE THIS BANK FOR YOUR CREDIT CARD NEEDS.


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I received my cc balance of $2900.00 which included $56.00 of interest because I did not pay off the balance in full from the previous month. So I paid off the whole balance and guess what? The following month I still had a $51.00 interest payment even though I had paid off the entire balance the month before. WTF? That's just outrageous. My other credit card companies do not do this. I am definitely going to cancel this card.


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I paid this credit card bank in full and looked online and saw a zero balance, I received a email 2 days later stating I owe $132.69, I called and told them I paid this balance in full and it showed a zero balance. They told me I had what is called "tail end finance charge", they would not remove it, I ended up paying the 132.69. After getting email, l did look at the account online, it showed the 132.69, but payment was $130.00, I guess so they could charge me interest the next month on $2.69, so sad, just a RIP OFF Credit Company, lesson learned. Never Used Them again...


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I had nothing but trouble from the beginning. I set up automatic withdrawal THREE times before it went through. When it finally did, payment wasn't withdrawn the first month, so I manually paid online. There was notification that it might take 2 months, as with everything I've ever set up automatic payments for--but it never has taken 2 month on anything else. Ever. This month, I decided to check my account on the day payment was due, and a) No payment had been made, b) Showed "no payment is pending," c) Showed an amount. It was in the evening of the payment due date, so I paid online, as Customer Service was not available, and I did not want late fees and late payment showing up on my credit score.


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This bank is totally overcharging the consumers!!! I had a MasterCard with them. Got my bill, paid it in full. Once the payment had posted and my account showed a zero balance I called and closed my account. Now I get another bill for $46. When I called they refused to credit my account. Someone needs to take a class action against them and their sister bank First National Bank of Omaha. I asked for the supervisor. They switched me over and conveniently they don't give out names. These banks are making a killing off of consumers!!!


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I had the NRA Visa and paid account off in full, a few months later I get a bill for interest. I called and the lady was rude and cut me off while I was trying to speak, she basically said since I didn't pay off my bill every time I had unpaid interest which makes no sense since I "Paid Account in full". I guess there was interest hiding in a corner somewhere or something. This wasn't the first problem I had with them, stay away. They are crooks and will keep charging you with a $0.00 balance.


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I had a M life Rewards Mastercard with them. First thing, I had a difficult time to log into their website because of the password policies they have. Second, once I log in I could not pay or do anything with my card because they suspect my card. I called customer service, entered complete cc no on the IVR and last 4 of my social too.


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Horrible... no mercy. I was in an accident and all my credit cards went into charge off. Capital One reinstated my cards. Barclays card still closed the account after I paid but removed all of the bad credit histories. This card, I got a condescending attitude... no mercy regarding what happened to me even after I said I would pay in full so why pay if I am going to have to deal with it anyway. Stay AWAY!!!


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FNBO has the worst online banking services... period! Its online platform is the polar opposite of user-friendly. It is impossible to find basic online banking services, such as transferring funds from FNBO to another bank. I can't disentangle myself from this poor excuse of bank fast enough!


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Money was taken out of my savings account by another person whose account numbers had two numbers off from mine. So at some point instead of the teller entering 33 they entered 88. To make matters worse the person's name wasn't even right and they still gave her the money. I called on Saturday and spoke with a customer service representative who assured me he would follow up on this and call me on Monday. Never heard from anyone thus I contacted the bank. They said there were no records or notes on the account. 


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Worst customer service experience ever. I have requested for nearly 2 years for paper statements because my email is not checked on a regular basis. I'm told it has been taken care of, but it never is. I went to go get a mortgage and the only blemish on my report is from this bank for late payments for a bill I haven't received. I ask if they can correct this and every time I get the late fee and I can't get it corrected from my credit report. It now has been reported twice the past 8 months as late and has probably affected the chances on me getting a mortgage on a home I've been constructing for the past 2 years. I'm now trying to figure out what to do with a house that I have a construction loan that I can't pay off because this company has singlehandedly ruined my credit!!! What can I possibly do???


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One year in May of 2015, I've gotten approved for $9000! Right! It was great! Almost one year later I paid $500 every week for an entire month just for them to completely close my entire card out saying I had too many inquiries on my credit report! Are they kidding me? Nope, it's true! Not even just lowering it, completely closed me down, I was never late, always paid hundreds of dollars each month even when less than a hundred was due. I was furious!!!! Needless to say they didn't care and there was really no one to talk to. They wouldn't even give me the CEO's name and address and email, well they had no one for me to complain to to fight this. I still literally have 100% payment history on my credit report, and that's simply not good enough for them. 


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I accidentally underpaid $3.- of the total due. On the next month's statement I was billed $55.- interest!!! Talked to an 'account specialist' and he reversed the charge, but didn't want to admit to the obvious over-charge.


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I don't recommend this credit card. I have had the credit card for a long time with the same credit line. The statements are always late and you are charged a late fee. It have occurred more than once. I have received late statements after the account is due. They always blame the postal service. They fail to remove the late fee! Don't apply for this card, you will be paying additional funds before your account is paid in full.


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Had a Visa card for about a billion years from FNB Omaha that I have not used for 3 years. Decided to take a vacation and put all items on it during the vacation so I could have them in one place and pay it off in 2-3 months. 2 Days into the vacation I had issues in checking into hotels. I called the Customer service to be informed by credit has been reduced from $7300 to $2000 overnight. Only explanation is a letter was sent to explain to my house (great!). Not what I want to hear on vacation. Horrible decision.


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I've had a 1st Nat'l Bank of Omaha AMEX card for the past two years. Not used a lot, but this month I pulled it out to use for grocery shopping. Have generally carried a zero balance, and had a zero balance before this month. The other day I was in the grocery store, whipped out my card, and it was declined. Surprised because I knew [thought] I had lots of room on the card. Called the automated phone system from the store to find out what was going on. Was told that I only had something like $32 of available credit. So, screwed... I was buying $57 worth of groceries. Went home. Got a different credit card. Went back and bought my groceries.


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I had a bad experience with PC Financial MC. When I tried to ask them to dispute the transaction, they were not helpful. They didn't care to resolve the problem that the customer has and the customer service agent talked rudely. I can't believe that they provide such a service like that when I have a problem disputing a transaction. I need the proof for the transaction that I made but the merchant can't give me that. The merchant said that it is not in their system, however, my credit card has been charged. So, I asked PC Financial to dispute it, so the merchant can give the proof of my purchase. Sadly, PC Financial said that it is not something they can dispute. They want me to deal with the merchant. I can say now, bye PC Financial. You are not recommended at all.


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My card was unfortunately affected by fraudulent activity. I contacted customer service and a new card was scheduled to be sent. I did not receive the card for two months. I contacted customer service again and again was told that the card would be sent in the mail. In the end, a charge of $6.83 was on my account while I was awaiting the new card. I was planning on waiting till I received the new card. However, my account was instead suspended over the balance. Over $6.83. Without any notification. It is also very inconvenient to get ahold of any customer service agent. Be prepared to stay on hold for a good amount of time.


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I signed up for a regular debit account. It was “approved” right in store and I started to receive emails to deposit into my account prior to even receiving my card. Luckily I didn’t. Got my card in the mail and tried to set everything up but I was unable to sign into my account. I spoke with 4 customer service representatives and was hung up on twice after waiting long periods. I got different information from all of them. One said they don’t know why my account was closed but a supervisor could for sure help me-hung up on. Another said I can’t open another account for 6 months now. And the last one told me that it was to do with my email address. The same email I used to open the account with a week prior and was receiving all the emails to deposit money into. Still have yet to speak to a supervisor, I don’t think PC Financial has any. 


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Received recently a PC Mastercard Elite and had major trouble activating it even though it was a replacement for an existing account. Customer support is terrible and the card was not working anywhere. This is not what I expected, so I made the effort (25 min on hold X 2 times) to cancel the card.


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I called before I paid my full amount of my credit card balance, and they mentioned that I have to pay the number I did, and after that they suspended my account and then they charged me a daily interest rate, without mentioned before I paid my whole amount. Such a legal thiefs!!!!


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I received card on June 29 as well as an email advising me to fund the account. I tried to activate the card I received and the account number was never there. I call them to mannerly activate the account only to be told the account was closed on June 30. When trying to speak to someone, I can't get a straight answer as why the account is closed without warning or explanation. I have set up the payroll banking info based on the knowledge that the account is up running. The whole process is total waste of my time and energy. This has led me to believe the product is absolute scam. I have "excellent" credit score. Should this incident affect my credit score, I will seek legal consultation. Meantime, I DO NOT recommend anyone to apply this account regardless how enticing the product may seem to be. For any financial institution, such behavior is totally unacceptable.


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I have made multiple calls to PC Financials/Optimum points but no one answers to simple question why I am not getting points of PC Financials. Not only that, they are very rude and highly unprofessional in call. If you ask questions, they hung up or start yelling on you. This is very shameful behaviour of PC Financials, basically they know that the points system is in high demand so they don't care about its customer service. They on purpose have untrained people so customer don't call them again! This opinion is not after one call, but after multiple calls and multiple issues at various times.


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No idea how this has any stars - an absolute joke of a Company. Applied for the PC Mastercard and received approval. No card for several weeks and so called them - they basically stated that I had actually been unapproved due to "process error". Asked why they hadn't contacted me to let me know was met with nothing more than a I don't know but basically ended up being human error. I spoke to this individual called Jesse who stated this happened all the time at the Company. Told me to reapply and should be able to get it approved. It wasn't. When asked why, they couldn't tell me but it didn't align with their lending policies, whatever that means. Honestly a joke of a Company - Loblaws must be bleeding money with these people running it.


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I signed up with PC Financial to move our banking over to their 'Money' account. I already had a PC Mastercard. The experience was absolutely awful!! The website kept glitching, I tried everything and was unable to use my Money account. I couldn't transfer, fund it or anything. I tried different computers, clearing cookies, cache etc.


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Worst banking experience of all time. Worst customer service. Longest wait times. Customer services reps cant do anything to help you. If you like waiting on hold for an hour just to be transferred to a voice-mail that never calls you back this bank is for you.


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I have signed up for PC Money Account by thinking I will save some money on everyday groceries and it went well for 3-4 months then suddenly no points were getting added to my PC Optimum account out of my total expenses!! The sales person told me I will receive 10 points for spending 1 cent by using PC Money account in participation stores and I received it under "PC Money Account Spend Promo" for initial 3-4 months and then suddenly it disappeared. Now I am owing to PC Optimum a sum of 45000 points and I have already 2-3 cases open with PC Optimum department and 1 case under PC Money account department but so far no outcome. I have been calling 2 times every week to PC Optimum department and every single agent saying specialist/escalation team working on it!!


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What seems like a value add with points to save on purchases becomes a nightmare if you EVER have to dispute a transaction or deal with fraud. The online method with a robot in chat is a neverending circle of nonsense, and finally a phone call. That was answered relatively soon, but even after contacting the merchant directly to verify the preauthorized order is Canceled, received email confirmation, etc... this is still not reversed, and PC states it can take up to 15 days, which is when we can proceed with a dispute if the charges are not reversed. 


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Do not get this card or even deal with President's Choice Financial at all. Customer Service is absolutely horrible and money just happens to go missing out of your money account and due to terrible customer service, you don’t get it back. They drag it out saying it’s because transactions are “pending” - but regardless the math does not add up. So many times I’ve had money just leave the account with no trace. More money gets deposited to the card than gets spent - yet it’s all gone. They are straight up thieves.


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I had a PC Mastercard and PC Money Card - The money card was closed when I got the Mastercard - There was a credit in the account - They could not refund or etransfer out - Took 7 or 8 long phone calls, email and escalation - In the end I made a payment to my utility company once they re opened the account. Ok for Christmas I made a purchase around $3000, they flagged the account and locked my card out, no phone call, no email, no info at all - Called in after a few declined transactions, long hold time multiple phone calls - They canceled the card and put a hit on my credit score - All I got was sorry lost all my points... They said to re apply in 3 months, but I need to send in copies of my personal ID and personal banking records :(


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After calling the Fraud department to report unauthorized issuance of balance protection plan on my credit card. Their process is to phone me back within 1 to 2 business days. When I am a victim of fraud who do they expect me to reply to a phone call and answer questions that could put me under further risk as anyone could impersonate their call. The process should be that they allow me to call them and then I trust which party I am calling, they can do the verification they need and then address my situation. When I asked to escalate to a manager, the reply I got that the manager will phone me back. So same story goes on.


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I had an account for 2 years prior to this ridiculous incident and had a great report with them. My account was always in good standing! Last January I had lent a fellow mother $40 for formula. She paid me back the $40's via etransfer... Months later I go to use my card and boom account is locked so I call, sit on hold for 2.5 hrs, spoke to 6 different people before someone was able to have authority to transfer me to a supervisor. I'm told there is nothing I can do... like what? Then I find out the fellow mother was a victim of fraudulent activities regarding her bmo bank so because I had received a $ 40 email it was now frozen. I was evicted 2 times because my cheques were directly deposited and my income support worker would not put another bank on file because I could not get a closing account balance.


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Someone hacked into my optimum account and was able to redeem points without a card. They did it with a phone. I wasn't made aware that you can redeem the points from a phone. And I'm sure many of their customers don't know that either. Absolutely horrible security. Can happen to anybody. Customer support does not care at all. They say someone will call, but they never do. All customer support can do is read a script. They're not actors. Also when points are redeemed, you are not sent any notification. Your transaction history can all be on one side of country and someone can redeem your points from the other side and customer support will think it makes sense.


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Pull out your PC account!! Pull out your PC account!!! Not worth It!!! PC financial has the worst customer service!!! Promising clients and keep them hanging for almost a month. Always telling someone will call back and up to now no one calls!!! Nonsense supervisor in online or phone calls. I do suggest get rid of your supervisor if they can't even help clients!!!


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One week after receiving my card, my account was locked due to a suspected fraudulent transaction. I was not allowed to confirm my transactions, review my account, or do anything to confirm the transactions -- the process and reasons were completely opaque. I was not contacted by the company, but only discovered this after waiting for a substantial time on hold with customer service.


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This bank isn't quick to help you with purchases made on account when you expect fraud. They want you to deal with fraud issue on your own. A purchase was made to my account that I did not make. When I went to dispute the charge I was transferred to the fraud and place on hold for over an hour waiting to talk to someone. This shouldn't be.


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I woke up this morning and both me and my spouse our account are both overdraft of 119 and his 412. We have been ripped off. I went through all my transactions and they have been taking money out of my account. I’m getting complete runaround. Do not deal with PC. I intended on getting a lawyer. I’m not paying that overdraft.


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I opened a PC Financial bank account for the points originally. The worst experience of my life. Much like the other reviews I had a total of $500 in four months disappear from my account. Multiple calls to customer service, long wait times and still no resolution supervisors who don't return calls. No wonder they don't have a physical branch that you can access. The stress and frustration this company makes you feel is enough to wanna pull an Amber Heard on their desk.


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How can you freeze my account for withdrawing money and after I confirm it was me? Then you say, "Well it takes 48 hours to unlock.." Here we are 6 days later and still no access to my finances or online banking... Spent hours on the phone waiting to speak to someone only for them to answer the call and then hangup several of times AND supervisors saying they will call me back and no one has. You guys are thieves and I hope you enjoy the letter you will receive from my lawyers, I will be paid out for every hour I go without being able to purchase food to eat or pay my automatic-payees, and the mental stress you have given me and my family. Enjoy!


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TERRIFYING EXPERIENCE! On the phone, the representative actually swore at me. First, I had been waiting a long time to speak with someone, and when I did, a representative answered the phone. The agent misled me on the app because she didn't understand how it operated or where the prompts were located. I became irritated and requested to talk with a supervisor. When the supervisor answered the phone, he didn't care about my wait time or the fact that his representative didn't know how to navigate the app; instead, he yelled at me and swore. 


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I have been a client of PC Financial for at least 20 years. They lost CIBC and switched me over to Simplii but I kept my Mastercard. This past year I attempted a purchase on my Mastercard that was quite large. They declined it until I called to validate the purchase. Done, easy peasy. They did it again. This is twice in less than a year after over 20 years of loyalty. I texted valid, did not unlock it. I called but the rep could not unlock it. I called back the next day and no reps could unlock my account. They froze my credit card and my banking account! I couldn’t even log into my account! I couldn’t access any money for gas or basic necessities! They told me 3-5 business days! Add in a weekend and that’s a week with no access to any money? Because a supervisor wasn’t available? That’s crazy! 


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My father passed away and had a World Elite Master Card with them. I have had to call them three times regarding the balance, each time I have waited 2 hours on hold. One rep told me that the balance was insured and no one (not even the estate) was responsible for paying the balance. I then received a balance owing letter in the mail and found out that what this rep told me was apparently incorrect.. I've had enough sadness and stress dealing with my father's death and being told I didn't have to worry about the balance and then being told I was, is incredibly unprofessional and stressful. 


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The online services like statement access were disrupted for 2 days. Called the customer service 4 times in two days due to urgency. Spend 4 hours on queue in total. Customer service representatives were helpless. I was told that services would resume the first day and then someone would call me on the second day but nothing happened. They just put me back in the to talk a specialist. Their services are so slow and the third party company that handles customer service couldn't be of any help. We can't reach the PC Financial directly either.


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I signed up for a new PC Financial Mastercard and when I tried to link my Mastercard with a new PC Optimum card there was already a card linked to it automatically which did not belong to me or anyone I know. When I called the customer care, they had no clear response to my issue and would hung up after putting the call on hold. I have already called them more than 7 times and it's been approximately 3 weeks and they haven't been able to solve this issue. I HATE the PC Optimum Customer Service.


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I’ve been with them for 5 yrs and it’s always 30min to an hour+ waiting time and issues don’t get resolved the first call so you have to call and wait AGAIN! I’m trying to cancel atm and I’m still waiting 1hr + and counting! I hate this company. So shady.


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Sent 2 emails over the course of a month to address a balance inquiry with no reply. Finally attempted to call customer service (after I finally located a number to call) and spent over an hour on hold. Finally gave up and hung up. Not worth it. There are better programs out there.


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It takes more than an hour to talk with someone. The security department, they don't care about you are as customer, they asked me 3 times to send them an approve ID and I sent it for 3 times. Now, already 2 weeks, I received my card but it's not activated and I have to wait for them for release. Note: I will cancel this credit card and never re.


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MasterCard charged me a service account for transferring my auto payment to another bank account. 12 emails and 5 phone calls - Put on hold for over an hour just to be to disconnected. Worst company ever. My VISA was brilliant with my change and answered my call within minutes. My suggestion is to only use your VISA card. Katie 1, Wayne 2, Daphione 5, Michelle 1, Darryle 1 _ number of time these people sent me the same email, however they never called me to solve the problem.


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I have been a customer for many years and never had any issues. This past year, it has almost been impossible to get help and resolve very simple issues. Every time I call, I am waiting for minimum 1 hour and 20 mins, the longest I waited was 2 hours and 33 minutes. This is not acceptable, especially for such simple things that I cannot get assistance with on the app or online. If the wait is going to be so long, they should put a system in place that allows customers to wait in queue and get a call when a customer service representative is ready.


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After being a loyal customer for 20yrs I have to say I am done with PC Financial - with all of your services! I have lost complete confidence in trusting you with my financials and insurance needs, as it's absolutely impossible to get through to anyone on your end. I've literally been trying for weeks and at every attempt I am left on hold for hours, literally. I've emailed your ombudsperson and head of customer service - it's been a month and still no reply. Pandemic or not, this is absolutely unacceptable for a financial service company. Your competitors don't seem to have this issue. I will be moving all of my business to a provider who actually cares about their customers and appreciates their business. Clearly PC Financial does not.


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If I could give zero stars I would. Customer service is terrible. I’ve gone 7 days without access to my own account and nobody helps. I wait hours on hold just to be told a supervisor will have to call me back but nobody ever calls. Did I mention I’ve only had this account one month. Most of the representatives want to help but the don’t know how and all they can do is offer to have somebody call me back. Their online messaging centre is no better after 6 days and many messages I finally get a reply telling me somebody will call me but once again the call never comes… I finally lodged a complaint with the BBB it’s probably the only way I’ll get my own money.


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This is the worst customer service I have experienced. - More than one hour phone waiting line and it can be hung up automatically without any reasons. -Promised there would be a follow-up but they never did it. - I have called them seven times but I still haven't had my money refunded. Never get a PC MasterCard. It is a headache!


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Telephone wait times are always unreasonable. I had my card stolen and though I was able to report it stolen and have it canceled relatively quickly online I waited over 2 hours by phone to report fraudulent charges. As I couldn't always wait over 2 hours each time this had to happen three times. As I'd reported illegal charges my online account was frozen and I had to call in to have it unlocked. Again, 2 hour phone waits. I could not activate the new card as I was locked out of my online account and after waiting 2 hours 20 minutes the call service operator had to refer me to the fraud security department. I said I would not wait another 2 hours on hold and I was assured this would not happen. After a further 30 minutes on hold and no answer I hung up, emailed requesting a paper copy of my account be mailed and to close my account. I cut up the never activated card and see no use for this product.


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We have been customers for over 20 years and paid bills on time. Suddenly and arbitrarily our account was closed because of this company's "Policies" with no further explanation. After numerous phone calls, hours waiting, NO EXPLANATION IS GIVEN OR FORTHCOMING. If this is the way they treat their good customers, how do they treat the ones who are struggling financially? DO NOT BUY THEIR PRODUCTS.


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They do not answer the phone. You cannot get ahold of customer service. I have been on hold over 2 hours a day every day during business hours. They downgraded me from black elite card I had for 10 years because I didn't spend $20,000 through it or something in a year. I'm even calling lost or stolen cards .. no pickup. They don't care. They don't have anyone answering phones. Beware.


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Anna reviewed these thieves of time, patience, and our money. PLEASE OH PLEASE, take your voices to the people at Ottawactvnews. What President's Choice Financial is doing, using our money to further their position in the market place, must be ILLEGAL. GALEN WESTON is getting richer off the backs of little people like us. Shame on them.


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WORST customer service. Drove an hour to a Pavilion. I am not able to create an online account. Like many others before me too many attempts to get a CSR on the phone. When I arrived at the store location....I was put on the phone. You cannot make any cash deposits to your money accounts. You cannot close the money account or the PC Mastercard account in person. I'm not even sure how I was approved for a 2,000 limit with a credit score lower than 600. I can't log in my account. I cannot get statements online, can't get service from an English speaking person. I didn't try to a French rep that might get you to a Canadian Rep.


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I had to call PC financial to review my transactions. First of all, I had to wait for more than 1 hour and after I got connected, the guy told me that he will transfer me to another department just to review my transactions. It took am another 1 hour to talk to a customer services representative. What a worst customer service I ever had. They are indeed the worst people for their services.


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Though applied for the Card, subsequently withdrew the application as I felt this card is not useful comparing to what I have. However, PC Financial send me a rejection letter saying that I did not qualify for the card. Emailed them that I did not ask for a Card as canceled my request. PC Financial has the worst customer service.


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Like many before me, I am here to report how awful my experience with President's Choice credit card has been. I truly regret getting myself into this. However, I took it a step further and wrote to ottawanews@ctv.ca, and I strongly urge you all to join me. The more of us write, the more serious this becomes. I only used my card once, then they locked me out. I tried to call, and even if I waited, once I was through to a representative, the call dropped and nobody called me back. I then went to step two, emailing them and explaining that I have no more interest or need, that I want to shut down. 


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I am presently on hold, I have been on hold 4 times this week for over an hour each and no one has ever even picked up. Their online support takes two days to respond and asks you to please call in where you will be ignored. It is beyond frustrating trying to deal with this company. I would highly recommend avoiding them just in case you ever have to discuss anything with them.


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Nothing but problems with PC Financial. Cut my credit card off saying my credit score was too low. It was 705. Higher than when I got the card. They were mad I wasn't using it often. That's all I can figure. I applied for Money Account and another Mastercard and they gave them to me. I've tried to call multiple times just to change email because they kept locking me out. Then more and more calls for more and more complaints and the wait times were never under an hour and the last time I just hung up after 2hrs. I'd like to close account but they won't answer. Avoid at all costs. Mastercard gives Optimum points which is nice but do not get sucked into Money Account and do not call them. Worst customer service ever!


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I'd like to comment on the level of customer service that PC Financial provides to its customers. My main gripe is the lengthy wait time before speaking with a customer service representative. It's ridiculous that I had to wait on hold for over an hour to speak with a service representative. A company with "unlimited" funds should not treat its customers in this manner. The wait times are far too long. Then, when you finally get through, the quality of the phone call is abysmal. Your call centre (which is not located in North America) has poor reception and your call agents are difficult to understand and the dispute agents are rude. It's extremely inconvenient that you can't get your issue resolved immediately and that I had to resort to posting a negative review.


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Incredibly uncaring, robotic, and fraudulent behavior. Ignorant, and non-responsive. I don't know who is responsible to supervise and oversee these financial companies and why any regulatory body is not monitoring their uni-lateral, un-competent, and chaotic practice!


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My sister's account was closed without her being notified that it was going to be closed. That was on September 20th. It's October 15th and she still hasn't received her money from them. She is facing an eviction from her home because of this. She hasn't been able to pay bills or even purchase groceries!! Loblaws should be held accountable for the late payment fees because of their negligence. They are a horrible company!! PC Financial is a horrible bank!!!


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Went through the million loopholes to get my card set up, and then accidentally missed the activation sticker on the card when it finally arrived. I’ve tried calling three times now (with one person on hold in front of me each time) and waited over an hour and a half without ever reaching a representative. There is NO OPTION to resolve this online, so the card is useless. Edit: finally got a representative, he put me through to an automated verification, the number input didn’t work, and it sent me all the way to the back of the waitlist again. Avoid this madness if you can!!!!


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Amount due for Sept. which I paid of 3 times the amount due. Balance pending was not removed. Still shows amount due for Sept. Tried e-mail, tried phone and texting unavailable. NO RESPONSE. Absolutely horrible customer service.


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Very bad idea to put your money, you can't take your money back when you need your money. Limited by 10000$ every month, no way to take your money fast, I call PC Financial. No way to take your money back.


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Pay total card balance thru TD Easyweb, any questions go thru chatbot. Use customer service number as a last resort. I do not have a PC money account, and my td account is a line of credit. Thank you.


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I called their customer support and waited 1 hr without being able to talk to a representative!! Very cheap company. They are not honest with billing. They tried to charge people interest by sending the bill later then the due date.


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Incredibly incompetent, uncaring, robotic and fraudulent company. DO NOT give this "financial institution" a penny of your money. PC Financial accepted a direct deposit into a closed account and refused to allow me access to these funds.


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There are something wrong with my account. I called PC, and hold for 72 minutes. Finally, a male staff answered the phone, I explained to him what is going on, and he investigated and let me to hold. But the line suddenly jumped to another customer service people, This lady is very impatient, she always break in my explanation, and insisted she can do nothing. The worst is she just hang on without solution. The whole process is really unpleasant. I cannot believe the customer service staff is so rude.


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I called the 24/7 technical customer service number and was told I was the third person in line before my call would be answered. 3 hours I waited... And no one answered. So I hung up. If it's a 24/7 customer service line then calls should be answered?!?! I'm cancelling my account with this company. I don't recommend Pc financial to anyone. 1000000 THUMBS DOWN.


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They haven't done it yet so maybe I shouldn't give them just a 1 but I did see on their website when I went into my account to get my balance owing... It was saying something about if World Elite cardholders don't charge at least $15,000 per year on the card starting soon I think... It will be downgraded to a reg. PC M/C... Seriously??? How can they take back a card that is in good standing. I probably charge about $10,000-$12,000 a year on the card & I pay it in full every month & if I don't increase my charges they will take it back??? The only extra on it is you get 3% back on purchases at Super Store & Shoppers & at the pumps there I think. Otherwise it is 1% everywhere else I believe... so that might be 3% on $200/month or less...the rest is 1%. Same as reg PC card. I can't believe they would do such a thing?? 


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My experience is a negative one and had I read these reviews prior, I would have never applied for their credit card. I received the new card in the email, and upon trying to activate it online, got the restricted access message, locking me out. So I called the customer service number where after waiting just over an hour on hold was told by a hard to understand customer service rep that I could not activate my card because there was a security breach put on. She could not unlock my account either. I was told I would have to email my identification, etc, etc then call back. So, I promptly cancelled my card. Never activated it. Never had the chance to use it as a brand new customer. Based on my experience: Read the negative reviews. Stay away.


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During Covid President's Choice decided to lower my credit card limit without telling me even though I have never missed or been late on a payment! They lowered my limit down to what I/O them! So when my new statement would come out I would have been charged over fees if I didn’t happen to go and look at my account first!


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I have been a long-time PC Mastercard holder and was happy to get some free food after making purchases and paying bills with my PC Mastercard. But then things changed. I signed up for automatic credit card bill payments at the end of the month and signed up for text alerts whenever a purchase was made. What I got was random texts for mostly small purchases under $50, and next to no texts for larger purchases, including two large unauthorized purchases for hacking software. I then went to dispute the charges, and it took over 3 weeks for the charges to come off. That was the least of my problems. My full balances were not paid at the end of the month, as I had signed up for. Instead, a large amount was left on, which would then accumulate interest if not manually paid by me, so I had to log on and pay the remaining balance.


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I have been with PC since it started (20+ years), then they changed their name to Simplii. My PC elite card was pulled because I was not spending enough money during last year (Covid & lockdowns!!!) & their features are not as good as my other cards - that's why I use my other cards more often. I had never agreed to downgraded my card nor wanted to be subjected to all the new requirements. Since it only can collect PC points, they want me to spend over 25k per year to get it back. Do you really think your card is that special? All we talk about is PC points not gold here. What a joke. I will simply spend the remaining 2k in points at Loblaws and not use this card again.


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:ike all the reviews it's true, they dont like people, I think they are in financial despair, you dont take away credit from people who pay their bills, it happened to me 3 times on the same account, once it is paid they are gone from my life, stores, gas, etc. Points are worthless anyways.


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Had a PC Financial Mastercard for 7 years now, used regularly and had regular limit increases without even asking. Never missed payments, always paid more than the minimum balance and they were making between $25 - $45 in interest off my most months!! Last month I signed up for PC Insider program and started to use the card more at Superstore, Esso and Shoppers so I'd get more points, earned about $120 in points in 1 month and all of a sudden I try to pay for an online PC Express order and the card is declined because they lowered my limit without notice.


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PC Financial is the worst account I have had in all my 49 years of banking. I am horrified at the lack of English speaking customer service staff. It is impossible to get decent service. I opened a saving and checking account. I transferred $900.00 on January 30, 2021. I forgot about the checking account and found out PC Financial closed it after 60 days. The $900.00 that I transferred was lost. I phoned PC Financial service to inquire why the $900.00 was not deposited. I was told it would be deposited in the account within the next hours. WRONG.


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I had a $19,000 credit limit a week ago. I did an online request to transfer an $8,000 balance from another credit card to this account which had $6,000 owing. I got a call from a PC Financial security specialist confirming that I made the request a couple of days ago. Today, I went to buy breakfast and my PC credit card was declined. I phoned and found out that they had accepted my balance transfer but lowered my credit limit to $7,500 without notification. The supervisors could not be found - maybe still in bed or vacationing in Mexico. So essentially the card is useless to use for PC points.


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Terrible experience applying for a M/C - I was sent a card with an approval letter. When I tried to activate it...the account was closed!!! Customer service was useless and their troubleshooting provided zero concrete solutions. Beware of their scam to offer $100 with your first purchase - I regret having given PC Financial any of my personal info. Terrible experience and would never do business with them.


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If you want to sign up for the PC money account, the points are good, but that is the only good thing I have found. There are no cheques. There is not a proper PAD form. You cannot deposit cash into this account through their bank machines. You can only withdraw cash. Tried to set up pre-authorized debit for my ICBC car insurance and ICBC does not even recognize them as a bank so the debits will not come out of my account even though there is money in the account. You still have to have another bank account. 


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I have Master Elite World PC credit card. I have never been late with any payment to anybody since I was born. I have been a customer of PC for over 2 years, never missed any payment, always kept credit limit in good standing. Paid much more than miminum shown. They cut my limit out of the blue from 2500 to 1500 in October 2020. I called and I was told they reviewed my credits. They cut again my limit to 1000 in November without any reason, no call, as in October out of the blue. You can notice once your transaction is declined during purchase. Do not advise to make any business with PC Financial. Bunch of unrespectful losers.


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I have had the worst experience with my PC Money Account and the people who represent them. I have had to call them 5 days in a row and at least twice each day because I would get money into my account to pay bills, and I'd look at my account 30 minutes later and $50 is taken off my account with no record of transaction. Money just magically disappears? Then I'm told that money would reflect back onto my account by Monday, it's now Wednesday and I have yet to see that money reflect back onto my account.


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I paid for my yearly insurance, >$1500. Then 6 days later they called me and told me they cancelled my insurance. Had to call 3 times to get my money mailed back. I still don't have it back. They have so many staff and no one knows what they are doing.


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I would like to tell everyone to be mindful of this company that they provide very consumer service. I have had a card with these people for a number of years and now for no reason they have decreased my limit. Very embarrassing when you think that you have room on your card and it is declined. I am cutting up my card and sending it back to them. Perhaps they should stick to selling groceries and not enter into the financial services which they know nothing about. Oh and their food product quality has greatly decreased. Walmart is better and cheaper. Honestly these guys really suck!!! there are a lot better places who will bend over backwards to earn your business. Shame on you President's Choice Financial services for misleading consumers.


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I have been a loyal credit card holder for over 10 years. Now without warning my limit got decreased. When I asked I got a “reviewed your credit....” canned email which they probably send to everyone. The reduction was uncalled for as I have excellent credit with them and my other creditors. Nice way to lose customers.


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The "No Fee" banking is what really attracted me to sign up with PC for the Money Account - along with the points admittedly. I've been a banking customer for about a month. I made the mistake of setting up my direct deposit for my weekly payroll to this account. Only once did it make it in on a Thursday (regular pay day). I had e-transferred to my TD account several times without issue. I sent an e-transfer to my sister; 48hr later and she still hadn't received it.


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Tried to apply online as I do not have any store where I am living, when I get approval letter I went to Winnipeg which is 100km far to get my id verification. I get know about good deal on applying in store, call customers and talk with supervisor but they just not want to help me out with that. They just say they can not help me with. Very disappointed with these. Will not suggest anyone to get it. So rude of them.


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Got an email from from PCF saying they are going to suspend and cancel my account because I went near the limit of the card. I had this account for nearly 3 years now and then they decided to go and cancel the account and send me the final bill for the account. The cc company is spying on my use of the account without my knowledge, so they terminated the account and will be sent to collections department. Never again am I getting another card from them. I recommend staying away from this crooked company.


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I would start by saying I recently (Under a year) got a PC Financial World Elite MasterCard. I noticed for cash backs, it definitely not a good card. The interest and fees are excessive to say the least but that’s not even the issue. During Covid 19 pandemic, we received correspondence from the company to state if we need to defer any payments, we can, however interest and charges are still been accumulated. I went ahead and request a deferment, unbeknownst to me, this put my account in “not good standing” and when I recently asked for a credit limit increase, I was refused. I fail to see how you offer a service and when that service is accepted by the client, you penalise them. 


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I've had a card for roughly 6 years. I kept it low, had a health crisis and maxed it out. I've always tried to pay more than the minimum and never missed a payment. They keep finding reasons to raise my minimum and my balance has gone up over 1000 more than my max. If that wasn't bad enough, they harass me constantly for payments even though I have never failed to make one every month. I'd say avoid at all costs, their service is terrible and they're deeply dishonest. You ask for help to figure out how to reduce it and they just tack on more penalties and fees.


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I've had the PC MasterCard for over 10 years. My wife and I both have a card and use it like a bank card, making sure to pay the entire balance on time each month. We've never done the calculations, but we feel the amount of free groceries (there are other options to use your points but groceries are the most convenient for us) we receive far outweighs any benefit we have earned from other credit cards - including a TD Aeroplan card that we pay $150 a year for (but not for much longer). We've had a couple of issues with customer service but no worse (and I would suggest better) than any other card I've had.


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I am still dealing with a situation that apparently Customer Service has no idea how to solve except for giving me wrong information call after call...and by the way different answer to the same question every time I'm calling in. Not to mention that if you will mention that you are not in front of your computer you will be given info that makes no sense or have no logic. (Ex: I was asked if I applied for a balance transfer at the time I applied for a card - how would I be able to do this if I have no idea if I am approved and what is the card 16 digits #..) 


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Started off with a credit limit of 7800, kept a high balance for maybe 10 months but always paid more than the minimum every month. Then I paid 5000$ payment and they reduced my limit 5000$ hurting my credit score. This company is the worst to deal with, I could not get online for 6 months due to a upgrade process that was all to their lack of programming skills. Do yourself a big favor, stay away, you don't need these **.


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I signed up for the PC Mastercard when they had a deal that you would get 75,000 points upon sign up. When I received my card, no points.. A few weeks later still no points. I called customer service and all they know how to say is "sorry. my apologies, so sorry" then they said it takes a few weeks for the points to go into your account. Where was this information when I signed up? Another week goes by... I get 20,000 of those points. At that point I emailed them and again "so sorry, my apologies, sorry, the remainder of the points will come in 4- 6 weeks" and proceed to ask if I have any further questions. I emailed them back with several questions.. And got no response back. I Will soon be cancelling.


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I applied to for a PC MasterCard from President's Choice Financial recently and the experience was extremely poor. It didn't take long to apply, but when requested documents were set to help prove my credit rating was good (it's excellent by the way) the documents were ignored three times and representative who continue to call asking for the same documents. Eventually I went into a store to deal with the situation only to find that PC Financial closed the application out. The store representatives then helped to start the application again and a week later I get a letter indicating I can't apply for a card while the initial application is being processed (though it was actually cancelled by PC Financial). 


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I had a PC Mastercard for over 20 years. ALWAYS paid up in full and on time. I had a good credit rating and was a loyal customer. I asked to change my address temporarily while moving provinces. They agreed. The next thing I know my account was closed without any notification at all. They cannot re-open apparently. They cannot pay me back for my points. Why? Because the reason stated for account closure is "unknown".


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I've had PC MasterCard for a few years and been pretty ok with it till now: worst customer service ever! I had paid an installment more than the minimum payment due, and 12 days before the due date as well. I had called previously to announce that I would be paying this amount on this day. When I checked online banking I saw that even if the balance was less than the credit limit by exactly the amount I had paid, there was still an available credit of $0.00.


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It took me over 30 minutes to log into my online account because they implemented a verification system that was unable to email me, text me OR call me with the 8 digit code just to review my credit card transactions.... Seriously banks don't have this kind of hassle to review your account transaction or statements. The new updated website might look prettier but totally stupid and not necessary, as the old one was perfectly fine!


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The annual fee on my favourite credit card increased so I decided to shop around for another reward card without an annual fee. A friend told me about the PC Financial Mastercard. Let me say this....YOU ALWAYS GET WHAT YOU PAY FOR! I have had issues with charges to my account, lack of service, (4 calls and still no credit to my account for unauthorized charges after 5 weeks), I cannot consistently review my account, and am constantly changing my password. I am now very wary and always worried about this card, security protocols and total lack of customer service. I keep checking my app but can't get in. I'm going back to a very more business savvy and sophisticated credit card culture with my bank. Yes, they charge more but it is worth it. Hey, I like save money on groceries but I didn't because I can't get my money back from these guys! Worst credit card experience ever.


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The company states that you will get/earn 2x the regular PC Optimum points per dollar when you pay your premium with your PC Financial Mastercard® redeemable towards free groceries, beauty, and more**. I have had insurance for over 3 years and they only award me 1X that is 10 points for every $ and I still pay with the PCF MasterCard which is the requirement. The first year after several emails they finally gave me for the full year around 60000 points then they said next year you will get it automatically at the end of the year's premium period. Guess what? Never happened so again emails were sent and after 4 months was given my points.


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New renewal card shows up in mail. Try to activate told it's blocked. Called in to be told they had information from a retailer report so, "We blocked card. Told there was no information breach but are sending you a new card with a different number". So they forgot to inform me that my card blocked. The only way I found out was my renewal card. Then I see pending transaction from a company I do not deal with. Something smells... Call center just talked around the issue. Asked to escalate. Told no supervisor to take call. Asked call back which I was told would happen. I am still waiting feel like PC may be trying to cover up data breach.


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Since I got my World elite card, to this day (7 months later) the company has been unable to link to my PC points card. When trying to get it resolved, I continually get transferred back and forth between the financial and PC optimum department. I have now called minimally 7 times, have multiple case numbers open, with no resolution or follow-up. On my last call, I asked for a time frame for PC Financial resolving my issue, and they said they cannot provide a timeframe. Even if the card is a 0 annual fee, I would not recommend to anyone. The process of dealing with customer service has taken hours of my time with no resolution. Clearly limited to no training has been provided to PC Financial. The absolute WORST customer service I have ever dealt with.


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I was scammed by an online merchant that made multiple fraudulent deductions from my PC MC and did a horrible bait-and-switch on the item ordered. First, customer service refused to proceed with investigations on the merchant until after 30 days after the fraud was reported. Then they asked for onerous dispute documentation, which I complied with. Now they want an independent merchant to certify that the chalk that arrived isn't cheese I ordered. Why do I get the feeling, having spent literally hours trying to resolve the situation by phone, they're playing for time and averting responsibility for purchase protection in an obvious fraud case? Why do I feel victimized twice? Despite their advertisement of purchase protection, PC MasterCard doesn't seem the same as TD Visa or Scotiabank. I don't even know my rights anymore after this experience!


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My pc credit limit was decease without notification and it is not stated in company policy. I called a supervisor and only thing she could say it just happened like that. This company had the worst customer service and don’t have care about their customer.


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I have called six times to try and get it straightened out. It won't link to my regular points card. I never got any points for signing up or when I use the card in the store because it shows that I am not using the card which I have been for months and paying the bill online. Every time I called up they will make a note to get it fixed but that never happens. I will keep it for another month and then get rid of it and just rely on my points card for points. Sorry PC but this card sucks and I think two months gave you enough time to fix the problem. One star is still too high.


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They have the worst customer service ever. I have spent too much waiting for them to answer and there's no notice or voice recording how long one has to wait, plus the agent has put me on hold too many times and far too long. They seemed to be so disorganized as when the agent told me a supervisor will get back to me in two hours, two hours have gone and no one ever called. It's been more than 30 hours now and no call was ever received. This is unacceptable. I would fire them if I were you as it shows that they're damaging the company's image by not providing customer service to the clients as they're expected to.


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My Optimum and PC MasterCard cannot be linked. I have been dealing with escalation (Elizabeth) to be exact. After numerous calls and disconnects I finally got through to Elizabeth in escalation. She basically promised me she would straighten everything out. Now she won’t even return my calls. I called last Thursday and was told my name was in the cue and Elizabeth would definitely call me back that day. It’s Monday evening and Elizabeth has failed drastically. They owe me 100,000 points. When received I will use then tell them to stuff their card. Don’t waste your time on this card.


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President's Choice is a very good choice when it comes to groceries in Canada. Unfortunately, we opted to enroll with their Mastercard as there was a discount at their gas pump and points for purchasing groceries. They do not sell gas anymore. Since we shop at Costco we elected to keep the card. Loblaw's should keep to selling produce, but, not provide financial services.


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The credit card itself has definitely nice perks, but their online and app platform is absolutely horrible. I cannot access the app half the time, and get locked out. Not because I forgot the password, something seems to be constantly being updated. And now I have not been able to see my transactions for 2 weeks. Finally when I did get the access, my app seems to be missing 8 days in transactions. How is that even possible?! Apparently this is caused by delays related to launch of new website. Although, in the past with old website there a lag in transactions as well, which for a consumer equates to consistent overspending because you assume that spent less than you actually did, obviously works great for the credit card company.


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Yesterday I changed my password for the umpteenth time in the last 18 months. All I do is change passwords. What the hell is so valuable in this site that security is more important than customer service. I have less hassle accessing my 2 bank accounts online than I do trying to see the purchases on this $1500 credit card. I'm ready to cut this card up and never shop Loblaws or Shoppers again.


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I recently applied for this card. Was surprised when I got a voicemail to contact them about my application. I have an excellent credit rating and significant financial assets. When called the number and spoke to the customer service rep she was terrible. She couldn’t follow me spelling out my name or providing my phone number (and I have a generic Cdn accent). She seemed very confused and I ultimately asked to speak to her supervisor. Turns out they wanted me to send documentation to substantiate my identity. However, they wanted it sent by Email!!! Given the risk of identity theft, I asked if I could present it in person or if they had a secure portal. Nope. Email, mail or Fax. All of which are not secure. In 40 years as a credit card holder I have never been asked to do this. I asked them to cancel the application.


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I overpaid on my credit cards as I knew I would be making purchases, the company charged me interest on my money even though my balance was zero, and my money in the bank for future purchases. Without knowing it the company started charging 25.99 % interest. Everyone else is charged 19.99 % interest. If you do happen to go over your limit be prepared to be charged a fee and or be charged more interest as well.


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Love going to shop for groceries and realize at checkout time I can get $20 off my grocery bill because of all the points I quickly saved up with my PC Mastercard. I use it for all my purchases now. And no annual fee. Bonus. Unlike the Costco Capital One Mastercard that I used to have which charges $120 a year for membership. No thanks. Thus far, I have had zero issues with this card.


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Don't recommend this card because I had a credit limit of $20,000 and due to missing one $200 and change payment they reduced it $5,000. If you like stability you will go for someone else than PC Financial. I am very frustrated since I use that card quite frequently and I quite often go up to to the 19000 and then reducing it to 15000 is just very frustrating and it makes me never want to do business with them again. I did not think I've been a bad customer. Just missed one payment once and the whole entire time I had that card which has been for about 9 to 10 years. I would leave a zero-star if I could right now and since that isn't an option I will do the next lowest option.


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I wanted to give a 0 star but it wouldn't me. I have been trying to access my account statements for past 4 to 5 years. Their contract says I can view up to 7 years but they only give me access to 24 months. They want $10 per statement to send print copies and have the nerve to tell me it is in the agreement I "signed" when I joined paperless statements. I can read and it says 7 years.


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I've actually had this card for years. I rarely use it - I keep it in a drawer. About once a year or so, I'll have reason to use it and will be declined for "unusual activity" or the transaction will go through and I'll be contacted out of the blue by their loss prevention team and have to jump through hoops just to get the card going again. I rarely miss paying off the card on time, but when I do with this card, the interest rates are usurious. And if the customer service were actually non-existent, it would be better than it is now. It's easily the worst customer service I have ever encountered anywhere. Just now, I called and asked how to change the PIN on my credit card. After asking me why I wanted to do that (none of his business) he point-blank refused to answer the question until I gave him my card number and ran through the security questions. When I refused to do that and asked to speak to his Manager, he hung up on me.


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New website - horrible. I don't understand the need to redesign their website. Was a tabular format "too confusing" for the majority of users? Was copying and pasting directly from the website not something they want users to be able to do? Was downloading transactions in formats other software might understand a burden to their systems? I feel like I'm looking at dashboard designed for school-aged children. At the very least, I should have had a choice whether to use the new interface, or stay on the old design - which allowed me to actually keep track of my expenses.


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On Apr 30, 2019 couldn't get to main sign in, immediately on home page message (https://secure.pcfinancial.ca/login): "Oops, something went wrong on our end. Please try again later or contact customer care and reference the error code below:" First time there was bunch of numbers and letters, but later nothing. Tried on Smartphone and notebook, browsers Mozilla Firefox and IE (v11) and Google - the same (it worked before). Called, she reports it to other dept. and wrote down all error numbers and I should try tomorrow... not acceptable, I am right now in hotel on other continent and need to see all my payments and balances, if they are correct.


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Nine months after canceling my credit card I received a bill in the mail with interest. Even after cancelling my card PC Financial MasterCard allowed a transaction to occur. After calling them to inquire they insisted this was my fault. It baffles me that these crooks will allow a transaction to occur even after cancelling. I guess they are desperate for business. Be careful if you choose to sign up. It is a never ending terrible experience. You would likely have a better experience with a loan shark.


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PC went from being my favorite bank to the most hated by ALL! It's just gone down the hill quickly after they switched to the new web design. Logging in is painful and frustrating, page layout is not user-friendly, transactions missing, what the hell!?? And now their website is not even working AT ALL!!! I am DONE with PC Financial! Obviously their customers' satisfaction means nothing to them, they don't listen and they don't care :(… This will be my last bill to pay with them. BYE BYE PC Financial!


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The card would not work after activation. I avoid the website so called MC. After endless recordings, promotional bs and glitches, finally got a person. I'm keeping my old PIN, but learned that to do so, I had to choose "new PIN" not "use existing PIN". And that on next use I'll need to keep it inserted and re-enter PIN a third time after it has been rejected twice and I see "remove card". Great customer disservice. I told the person I wanted a call back from someone about my complaint and was told that won't happen. At the very least, maybe someone will find reading this useful.


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I'm canceling my card. I've never found it easy to access online banking with this card, and it's frankly unacceptable. Clearly no one cares or the problem would have been fixed. Bye bye PC Mastercard.


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Whoever approve their website to be updated like that doesn't even know how to access bank accounts online. It's very bad, everything was good before. I'm always checking my balance and transaction online but their new website is the most difficult, not friendly user website I've been to. If only this was not affiliated with Shoppers Drug Mart I would have deactivated my account.


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I have had a PC Financial Mastercard for over two months now and have never been able to access my online account. Customer service can offer nothing more than to tell me to just keep trying to log in week after week, for months now. Customer service has also submitted numerous (probably around 5-8 at this point) requests for IT to look into my account and this has been entirely inconsequential. If I had to guess, it seems that PC outsourced their new website to a profoundly incompetent IT company (probably due to the cost savings) and is now paying the price (as are their customers).


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Since early January, 2019 I have been unable to get online with PC Financial Mastercard. I have been in contact with Customer Service on eleven (11) occasions and have not got any satisfaction whatsoever. They keep telling they will forward my problem to IT and to try again in a couple weeks. The last contact was on March 26th, so I will wait the couple of weeks and try again, but I know it will be the same disappointment of nothing happening. Canceling card!


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My Name is Andrew, I had a charge that was clearly fraud from BET365 200.00 . I called PC and they said call the company. Frustrated I had to go through this I Did. Company had no record of the charges and couldn't help me. I contacted PC 3 occasions by email. They couldn't help. Them a 150 charge with no info other than NAAN. No number. Nothing and they said couldn't help me. I had to contact company. There isn't even a number posted. I called and a 94 min wait time.


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Loblaws now owns Shoppers Drug Mart store and the service as all Loblaws stores has become worse. On Sunday March 24, 2019, I was in the Mississauga Shoppers Drug Mart Store On Hurontario and Dundas. I was just trying to shop when some man sneaked up behind me... and startled me. Before I knew it, he starts talking about signing up for PC Financial Mastercard.


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Everything was good until the new website came about. Transactions weren't posting correctly. Everything was kind of mixed up and statements weren't being emailed out on the proper dates... Arriving late and such. Minimum payments weren't being adjusted properly and sequentially. When I called customer support they do not seem to understand. They just look at the numbers there and they don't think rationally. Apparently any transaction we do, we should think of it as happening 4 days later, so if your bill is due on the 20th and you pay it through online banking on the 19th...forget about it. They'll treat it as a past due amount and then not count the money that you just paid towards your minimum and try to get it out of your on the next bill as a passed due amount. These are the problems I'm facing because of transactions not posting properly. This all started with the new website.


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Last week I spent 40 minutes on the phone with P/C Financial. I listened to the whole phone spiel 3 times, 2 times I was disconnected. Finally got everything straightened out, new password and I logged in. Today I tried to log in and to my surprise I got OOPs Invalid entry. I swear to God it would be easier to break into Fort Knox.


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I have had my World MasterCard since early 2017. Opened at a whopping $500 credit line. They increased it to $2500. Then to $6500, respectively, over this time. I asked them once more to increase it to $10000. After a lengthy process, they declined. No explanation. 700’s credit score, all my balances paid in full every cycle, no late payments, etc. I called BMO MasterCard right after (for an account I have only had 6 months) and they increased it from $5000 to $10000 no questions asked. To keep my ratios in-line, I then called PC back and lowered theirs from $6500 to $1000. Will no longer be using that account unless I shop for small grocery orders in those stores. The overall experience for me with them is poor- much like other reviews I am reading in this forum. It’s better to stick to the BIG banks for these kind of reward cards. Don’t be fooled. PC seems a bit shady in my opinion! Thanks for reading. :)


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Someone called me saying he was from PC Financial Credit Card Fraud dept. and talked me into a 30 day trial period. It was $19.95 per month and I could cancel anytime before the 30 days and would not be charged. It has been over a month and have still not heard from them since. Nothing in the mail and no e-mails. The number that called me was 1-416-855-8111.


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This is disturbing with these people. This is the 21st century and cannot view our statements online, no direct access to tech guys like every other credit card company. All they say, "We are going to write them an email," three weeks later still waiting, no action. Who does that in this day in age. This is a company with money and this is the best they can offer. So we blindly spend money, and either wait for a paper statement or get on the phone each time. Real BS.


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Before the new website I loved my PC MasterCard! BUT ever since the new website, I have been unable to access my account. I have spent a half hour each time (six times!) with a rep and we go through the hoops and I could only access it once. I have no other choice but to cancel my card because I don't want my credit score to go down if I can't see my account details to pay my bills on time and secondly I can't monitor my account to see if there are unauthorized charges on it. If they get smart enough to finally figure out that it's a screwed up system that's going to cost them their customer base and make some necessary changes, then I might go back to them but I certainly wouldn't recommend anyone getting involved with PC Financial right now.


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I have been with PC MasterCard for at least 30 years. I have had no problems with it before this new website. I have to phone EVERY single time to get in... I have changed my password so many times that I have a notebook of new ones to remember. I was told to empty my cache and cookies which I have also done several times. I am so frustrated for this massive inconvenience. As well when the website finally opens for me. The format is not as user friendly as the old one. I'm afraid I'm going to have to cancel my card.


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I generally have no problem getting my offers points or in-store points, but I'm having a nightmare of a time getting the points by using Mastercard. With this card I am supposed to get 10 points per dollar everywhere and 30 points per dollar for places like Zehrs and Loblaws, etc. I spend $2000 to $3000 a month and pay the card off every month but I rarely find the points for using the card. On the points statement they are called PC Financial Earn. After dozens and dozens of emails and several phone calls the response is mostly the same. "Read our fact sheet!" And it takes two to three days or four to six days. And the real kicker is now they want PICTURES of my Zehrs receipts!! 


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I have tried several times to log into the new site. Keep getting caught in the loop to update information. Contacted them by email with no response. Will be paying off the card and switching all automatic payments over to another card and then cancelling the card. Very poor customer service in a time where they should be looking after good customers with good credit.


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1st issue- I was charged by some company in China $65. I went to dispute it with PC Mastercard. They told me I would have to wait 60 days to dispute it. Long story short, I never got my money. 2nd issue- I cancelled my card after the 1st issue (Oct 2018), in Jan 2019 I was refunded by Amazon to this card. PC MasterCard never contacted me or sent me a refund. I am in a long process of trying to get my money back from them.


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Been happy with this card until this new site design, which is awful to use, and won't work any longer with my budget software (Mint). Kind of frustrating to change, and now I'm looking for a new card.


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This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting run around in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail.


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I have had PCFinancial MC for many years. PROS: Good point rewards. No Complaints there. CONS: This card is NOT accepted everywhere, particularly at Asian Airports. My account at Amazon was hacked with fraudulent Charges appearing on my statement. PCFinancial was notified immediately and they promised to fix it. Two month later I received a letter stating: "After a thorough review the President's Choice Financial MasterCard and Fraud Investigation Department has determined that the transaction(s) claimed as fraudulent were either made by you, your authorized cardholder(s) or another person known to you and/or you have failed to cooperate with the investigation".


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Have two computers side by side - with one I can get to my account OK, but the other one (laptop computer) cannot. And I used 1 before. Spent on helpline many hours, called support but to no avail. They went step by step through but still the same. It asks for verification number via email and phone - did all many times but still it is the same. I have this card at least 14 years. I will need access this account using my laptop because I will be traveling and I need to check spending and payments.


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After 20 years I'm switching to another Mastercard. They have ruined things with their new site, a screwup that reminds me of how Digg.com killed themselves. I am unable to see my transactions and customer service can't help. The site continually errors out and locks the account. What was wrong with the old site?! On a positive note this experience spurred me to find a better Mastercard. Great job guys. If I were CEO there would be hell to pay for this fiasco.


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This has to be the stupidest thing I've ever heard of! Suddenly I cannot log in to PC Financial to access my credit card information? I've tried over and over again to access the website, to register, etc., and I keep getting runaround in a circle. Eventually I decided to call them, and even they couldn't get me through the sign-up process! Major fail.


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I've been trying to sign up for online banking about 2 months already. Support's just answering "copy paste phrases". So I'd just want to remind that it's 2019 year in the yard and you aren't able to use online banking.


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I used to enjoy having this credit card but no longer. Recently they changed their online website making it inaccessible and I can no longer use online access to check my spending and bills. When I try log in asks to type on the first try the credit card number, the expiration date and phone. After typing this perfectly correct it reports it as incorrect information and displays a new form asking this time to type card, name and postal code. Again after typing it correctly it reports it as incorrect, then it shows a third form to type card number expiration date and birthday, and after typing all correct it reports, "your account has been locked for too many invalid entries, try again later". 


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I have been trying for 1 year now to access my online account - 20 changed passwords, 20 access codes, 4 hrs on the phone with agent. I have written 3 emails (no response). I have been ignored and basically called a liar. It's my fault not theirs. All I want is access to online account. I guess I am asking too much. One other thing I discovered while looking for someone of importance to complain to I came across 2 website that stated that PC FINANCIAL has a problem with Transgendered people. Maybe that is why I have been treated this way. 


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Three times in two months I've been locked out despite being careful to type my password correctly. Talked to two reps, neither of whom mentioned it was a known issue, and yet here is this website with all of us writing in about the same issue. I've been reading about other rewards cards and this one doesn't even rank as decent. Occasional free groceries is nice, but we can all do better. I'm moving on; you should too.


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I have had a credit card with PC Financial for a few years. Never missed a payment and always paid over the limit. Asked for a credit increase; was given the increase then two months later they lowered it lower than it was prior to my asking. Then I called to ask "What the Heck?" and was told that I was using my credit too much. So if I am paying more than the required minimum every month and never miss a payment, what do you care how much I use my card? Following the above conversation, they lowered my credit again. Then I made several payments adding up to over $2000.00 in a month. 


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I have cancelled my President's Choice credit card more than 3 times and they keep sending me statements and I paid two of them not wanting my credit ruined! I refuse to pay these scammers anymore as I received another statement just the other day for just over $80.00 and I called them again and said again to cancel this card and I refuse to pay any more. I told them I was contacting my lawyer.


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Locked out of the website again because they insist on a 10 character PW which I managed to type in wrong (again). It's easier to just type forget your password EACH time and identity confirm to get in. No link to resolve the situation, no 1800 number posted. This sucks. When I do get in unasked for 2nd factor authentication on every login even though I mark the PC as trusted. I want to check my balance not get into Fort Knox. I'd use a phone APP but they don't have one after how many years? Why am I with this credit card company again?


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1st problem - I have used a PC Mastercard for about 2 years. I have loved the points but the website is really ruining my experience now. I misplaced my card and so I set-up an alert to notify me when the card is used. I found the card and went back to the PC Financial website to turn off the alert. When I went through the steps, the website kept showing an error. I phoned PC Financial and they said the problem was being worked on. In the meantime I was getting emails every time I made a purchase of any kind. Annoying! Over 6 weeks later and I still cannot turn off the alert.


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I applied for a PC Financial Mastercard for the excellent return on Optimum points, especially shopping at Shoppers Drug Mart and Superstore. That was five months ago, and I've transferred many auto payments and spent thousands of dollars on the card, but have yet to see a single point due to technical issues. PC Mastercard tells me that it's a PC Optimum issue, PC Optimum customer service says it's a PC Mastercard issue. I've called every week for five months now, and no updates, no follow up, no resolution. I am missing 150,000 to 200,000 points now, and have contacted the Ombudsman at PC Financial, and urge others to do the same if complaints are not being resolved in a timely manner. This is unacceptable.


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I have been a PC MasterCard users for a long time and a big fan too. I have told many people about it - how you can quickly cash in your points. But not anymore - this recent online login changes have made me think twice about keeping this card. I may cancel it. So the other day I tried logging into the website and was told that I will need to verify my account where I will need to enter Card number etc. The first thought that came to my mind was this is a Phishing website. 


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I have had a PC Mastercard for about 5 years now. I love their points system. My wife and I would always get gas at Superstore and would receive approximately 20 dollars every 2 weeks worth of points to spend on groceries. It felt almost too good to be true, but all good things come to an end I guess... I have never had any issues with them until about 2 months ago. When I tried logging into my account online it says that my account has been blocked and to call customer support. The 3 different people I have talked to just say that it's a "technical issue" and they're working on it. Any good company would have fixed an issue like this in a day or two, but 2 months is ridiculous. The only way for me to check my account balance is to call a customer support agent and get them to tell me or else ask them to mail me a monthly paper statement.


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I, like everyone else, have had the same difficulties in trying to log on to the PCF MasterCard online account system. However, I only recently received my card and thought it was just my problem as I was trying to register. I too received the same response that my card number hasn't been uploaded to their system yet and I should call back in a week or so. From reading the complaints - it definitely is a scripted response. I emailed the "talktous" web address several times and was told to telephone because they only answer general questions. I was also told that I should log in to my account and send them a "secure" message about the account I can't access! There is another web address/telephone for "Customer Care" and I did get a phone call about my email. I thought I'd check for complaints before I bothered to call the gentleman back...perhaps I won't bother!


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I received an email from PC Financial that enticed me to register for a MasterCard with them. The email stated I would receive 75,000 PC points. That's $75 value in groceries. As a PC optimum points holder, I was definitely intrigued. I had received the card and still for one month, I am unable to sign in. I've called 4 times and each time, the representative just states that because I am still a new customer that my information is not on their data system yet. I find that extremely funny that each time I've called in the last month that is the excuse they provide. I am the primary account holder and my boyfriend also has a card with them on my account and he can sign in perfectly fine. So... the excuse is not valid. Do not give in and get the card. It will give you many troubles!


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Many of these reviews in the last recent months are so true! I can't log onto my Mastercard account and the call center reps are doing nothing to solve the issue. They are wasting time with useless solutions. Are they instructed to do so? I'll be canceling this PC Mastercard account very soon and will never go back or suggest. PC Financial has ruined themselves since separating from the CIBC.


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I received my card last month, and as of now I am STILL unable to access my account online. I have phoned in 4 times, each person tells me to try again in a couple of days because they have 'escalated' the issue to their IT department. WTF kind of customer support is this? Not once have I received a callback or any explanation as to why it's taking me a month to access my account. Customer support is outsourced to India/Philippines, so the person is always reading off a useless script and does not really understand the issue. Garbage support - I regret signing up for this card. Clearly I'm not the only one experiencing a complete lack of service.


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I have been a customer of PC Financial for years. I have always accessed my account online and I check my account frequently. The day PC rolled out a new website was when my frustrations began. I am constantly denied access and blocked. I have never once successfully accessed my account with the new system. It has been two months!


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Trying to review my Mastercard statement and stating site upgrade and will not let me log in. Wants credit card # plus CVC #. NOT comfortable giving this without being logged into my account... Fishy???


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I have read most of the reviews and I am experiencing the same problems. Since the website upgrade, MINT has stopped working and I have not been able to login to the website. Every time I login it says "your account is blocked". I have called in 6 times so far and they keep telling me it will be fixed in a few hours. It's now been close to 2 months now. They clearly have no intention of fixing the issue. I even went on Twitter to see if I could get help and I got the same robot response. I have been a loyal customer for over 10 years and I am getting no help whatsoever. The website change has been the worst decision they have ever made. I will be sadly changing credit cards in the next week since they clearly have no eta on a fix. Good riddance PC Mastercard!


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For the past 3 weeks have been trying to access my account online and have spoken to at least 4 phone contacts to no avail. Bottom line you will have to use paper statements??? Have wasted many hours of my life trying to resolve this. Will not connect me to someone who will do something. No one on a higher level ever available. They did call me at 3.30 in the morning. Did they really expect me to answer at this time? Need to get rid of my card. It's of no use when online banking is no longer available AND NO SUPPORT AVAILABLE. Unbelievable. Where is Galen now?


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After changing my password, I was locked out of my account and then denied access altogether. I've called PC Financial 3 times over the last two days, and it's clear they have no idea how to fix the situation. I see from other reviews that this is linked to the recent re-vamp of the website, but PC Financial gave no indication of this and even suggested at first that it was a problem with my browser or Internet provider (I've since tried four browsers, two Internet providers, two computers and one smartphone). It's clear that they don't know what's wrong or how to fix it - they're just buying time by saying it will be fixed in an hour, then a day, then 3 days, etc. I will terminate this card if this isn't fixed soon, as this suggests to me that they don't know what they're doing.


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I've spent weeks trying to figure out how to download transactions from my PC MasterCard to Quicken. It never occurred to me that they would take the functionality away!!! Or why don't they have a note in their FAQ telling us that the functionality is gone instead of making me look for it! Why would they do that? Now I will have to switch CC's as I refuse to enter transactions manually. Not impressed.


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I have always been able to go online and determine my points and my expenditures. Then it was decided to increase the security. I can no longer access my account and despite numerous calls to PC Financial, I have had no success. No one at the phone number on my card can assist me and it is now two months since I could check my status online. What good is increased security if it stops all access to my knowing the details of my account? I am totally unimpressed and irritated. Why can I not be assisted by the person who is responding for PC Financial MasterCard? This is a ridiculous way to increase your PR!


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Best prices on gas at superstore by far with the PC discount and I rack up points so fast I can’t fathom it some days for groceries. You get entire buggies of groceries for free! No fee card makes it even better. I have had other credit cards and never felt like I got anywhere with them. I think you would be hard pressed to any other card that can compete. I had the Scotiabank with the 4% back on select purchase and I never earned any money back.


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I was a member with PC Financial for years. I decided that I had too many CC and decided to close out my PC Mastercard. I called in and they verified the amount that I owed and paid them in full then closed my account. This was more than 3 years ago. Now I have applied for credit only to learn that there is an "R9" on my credit report. I contacted TransUnion to find out why. They told me that I had a "write off", I was shocked because I know I am very diligent when it comes to my name going to creditors. 


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I am a victim of their website upgrade. The statement alerts used to be very reliable but no longer true. For some reason I didn’t receive an alert in November and so I missed a payment! I have never missed a payment before. That not only costs me interests but also have negative impact on my credit rating! Crying…


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Long time user of PC Financial Mastercard. The new website is unattainable. Repeatedly asks for Verification Code. Takes forever if at all to log in. Called Customer Service. Says to wait 24-48 hours, and still cannot log in. If we cannot get the help from the phone where else then? Who can help us. There is no transparency with this process. Something must be done!!!


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I have been a very satisfied PC Mastercard customer for many years. The old website was easily viewed and the ability to download my transactions to MINT was a must to enable budgeting. Since the new web site was implemented early in November I have been unable to download any of my transactions and have to do it manually. The new site looks like it was designed for a kindergarten class. I need to scroll through many pages just to see my transactions during the month. Nor do I need the HUGE print that has been set up. In a nutshell, once I have used my points and this billing period is completed, I am moving to another Mastercard provider who can provide a user friendly web site. In our household we use web sites to different financial institutions, all of which sites are user friendly, easy to access and easy to navigate. PC site is absolutely the worst.


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I received my new card on Nov 16th. Since then, I am trying to sign up for the account online. The website is not able to verify my information to create an account. Contacting customer care is just a waste of time. I talked to 4 agents over the phone and 2 on email over different periods of time. They kept mentioning the new platform does not have my information uploaded yet. No timeframe for problem resolution known. IT department is working on it. It is really frustrating. They should have figured out their system functionality before implementing it. Ridiculous! PC Financial should be reported to the Better Business Bureau for their negligence in customer service.


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I have been a PC MasterCard customer since its inception... Now, I cannot view my online account. I have phoned their account helpline on four occasions and was told by four different helpline employees that they can surely fix the problem... They all failed to do so. I have paid off my account and will stop charging until this situation is corrected. If it is not corrected in the near future I will cancel my card. I have tried on three different occasions to email a complaint on their site without success as their email complaint sites seem to be blocked also. I am adding my name and email address to this review on the 'Off chance" that a PC employee will read it and pass it on to the PC IT department or to his supervisor. Thank you for the opportunity.


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President's Choice Financial recently made major changes to their Master Card website. The former website was adequately clear, well laid out and functioned as expected. The new site is very poorly laid out, does not have a balance coinciding with Transactions, has links that do not work, one can no longer can download Quicken files and the site often contains inaccurate information. Customer Service claims that customers asked for this new website, but there appears to be nothing to back up this claim, and I have seen only complaints about it. They claim to be listening to consumer concerns about the new site, but do not appear to be willing to do anything about the concerns. Very disappointed with what was very good product in the past.


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The new website looks really good. It is also really useless. Take forever to load the statements. Waste my time. Why fix something that is not broken. Got too much money in their hands. What the hell are these guys doing?


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President's Choice has recently updated its login security system for the PC Mastercard. I have tried and tried and it will not let me in. I log in and it asks for security verification, confirms I'm an existing customer and tells me to log in. I go around and around achieving nothing. Now I am having to call for info.


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Cannot log in from last 3 weeks. Since PC financial has changed their website look, I am not able to login to my credit card account and it is very frustrating that every time you call the helpdesk they ask you to try login after 24 to 48 hours. I got same response 4 times and guess what every time I got the same error saying "You need to be Customer to log in", I am like really? Does not seems the IT team has performed proper testing before deploying this new front end changes. At least give us a ETA/timeline by when it will be fixed so that we don't waste our time in trying. I don't think they value others' time.


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PC Financial MasterCard just "updated" their website. I cannot find anything better about it. You can only view a few transactions at a time, which is time consuming to see all your transactions. But the biggest problem is that you are no longer able to download transactions into Quicken. This is a dealbreaker. I have to have that option. If not, I will look for a new MasterCard provider that can download Quicken transactions.


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I have been trying since the web revision began to get into my account. To begin with I cannot get in because I need a new password. I am locked out and in the end I get an "Oops it's our fault" message. Reports have been sent regularly to an IT specialist but nothing is ever done to correct my problem. I am very frustrated and will take my business elsewhere after 'they' have corrected my problem.


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It was a mistake choosing this brand. I have been unable to sign in to check my balance and confirm my transactions for over a month. When I call the customer service representative says I am giving wrong answers and will not verify me. IT department is looking into the online banking issue and still no resolution! I am paying off and closing this card this month!


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I'm sick and tired of trying to log in and being directed to a "an extra layer of security" - so secure, I can't get past it. After waiting and waiting to receive the security code, it won't let me past it - there's no place to enter the code - so you're caught in a never-ending loop. Trying to get through on the phone is equally frustrating. When I finally got through and I was assured that the problem would not happen again, i.e. I would not be asked for a security code again, here I am back at square one, with no access to the site. After my one peek at the new account page, I am not impressed. Other viewers who compare it to a kindergarten program are correct. This is an insult to cardholders and this site needs to be dumped and reverted to the original. Talk about an experiment gone wrong - this is a lesson on "if it works, don't change it."


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With the new PC website upgrade, Mint can no longer download my transactions completed on my Mastercard. While I do enjoy the Mastercard PC Point awards, the lack of ability to transfer my transactions to my expense tracking software is more than enough to push me to another credit card. I will give it a few more weeks. The extra headache of this is enough to turn me to another company.


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With no reason given, the updated website no longer allows downloads to Quicken. Very frustrating, since I have used Quicken with PC MasterCard for years! I was informed that there are no plans currently to reinstate this capability. Why leave customers in the lurch like this? This is not progress. This is a recipe for losing customers. The website layout is very user unfriendly. If this continues, I will switch to another credit card that allows users to download to Quicken. Any suggestions, anyone?


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One star for removing the feature that allows Quicken Canada users to download QFX files. All reputable credit card providers allows data to be downloaded in either QFX or QIF. Being able to download in CSV requires a loose conversion that most Quicken users cannot do on their own. Misère!


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The old website is 100% better than this new site. The display is horrible. I agree with someone saying it’s for kids. You cannot download transactions to any software as previously was possible. It’s even not possible to log in on Mint software anymore. What have you done to this site. I and my family members have decided to change credit cards to a different bank that downloads transaction to software and make life easier. If no improvement in the site, plan to cancel the credit card. Thanks Peter.


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I recently went through the pain... er, meant to say process of "verifying" my info to access the new website... Don't know where to begin. I've been in the Web industry for the past 20 years. This is rather bad to say the least! Firstly the communication about the change was handled rather poorly. Secondly, they could have had a sneak preview or something running in parallel to the old site, in order to unobtrusively solicit real-users' feedback re: the new site.


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Not only that the newly launched PC Mastercard website is full of bugs, unable to log in, unable to reset password, but also more important it is designed for kindergarten kids, not for credit card users! With giant pictures, huge logos in front of each transaction. Sure it is fun to look for 2 seconds, but it is very useless. Those giant logos make each page only be able to display 5 transactions or so. It is such a pain if you have to browse through your 80 transactions per month. The "Dashboard" now does not provide any useful information like the old website, instead it displays a few bars here and there with no meaning to anyone. I totally agree that whoever approved this new website should be fired! It totally ruined PC Mastercard customers' online experience. With the many banking institutions website I have been visiting, this is the WORST, far far far behind everyone else.


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This is just to add my voice to the others who are as appalled as I at the removal of functionality that all other institutions and credit cards that I use provide. I agree with the person who said that whoever approved this "upgrade" to the website should be fired. It appears that PC Financial is trying to win back the online banking customers that switched to Simplii when the split happened. Hint to management: You don't do that by pissing off your existing customers. Now you not only will not get my banking business, but you've lost my credit card business as well. I've been a PC Financial customer since almost the beginning. I'm feeling really sad to see what was a really good financial institution destroy itself. Really sad.


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This new redesigned webpage of PC Financial is a real "piece of work". Transaction are spread so wide on page that you can only see three of them at the time. To print the certain period time of transactions you need pages and pages of paper. Before I could have about 20 transactions printed on one page, now I need 7-8 pages of paper to print the same amount. Was somebody tried to re-invent the wheel? Everything was working perfectly on the old layout design.


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Received a new President's Choice CC about 2 weeks ago. Can't set up a login to my account because security procedures are so complicated that their own system keeps failing. Have been trying for 2 weeks to link my PC Optimum points to my PC Mastercard (which appears to be a very simple process) but their system won't process the request. Consequently I don't use the card unless I'm in a Loblaw's facility. I'm not sure what President's Choice Mastercard thinks is so valuable inside their site to demand such a ridiculous level of security but it's got their customers and their helpline people living in total frustration.


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When we examined out PC points on a receipt by receipt basis we found far too many errors. Example: Incorrect dollar amounts shown. Sometimes points awarded, sometimes points ignored. Hard to understand the logic of points calculations. Spent 3 (yes 3) hours on phone to guys in Philippines who were extremely helpful but they could not explain the logic of some points awarded. Therefore no faith in Loblaw's system. They are a big boys and thus should have a simple trustworthy system for all customers to follow. Even a our Canadian banks can manage that.


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I recently tried to log into the new PC Financial website and the experience was so bad that I cancelled our PC Mastercard. I tried logging in when the site told me I would have to go through a 'verification' process. This ended up with me being caught in a loop. I would input the necessary information and no sooner had I changed my password, it was prompting me to go through the verification process all over again! 


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The old website supported Quicken since the very beginning. Now with no notice they re-designed the website and dropped this support. Just about every other credit card supports this download. I will be moving to a different company.


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President's Choice Financial Mastercard (PC Mastercard) website upgrade is an abuse of customers. Recently PC Mastercard upgraded its website and in advance of this, there was no advance notice given its customers! The upgrade also required users to re-register and change their password. How rude! Multitudes of people were locked out of their accounts because of a snail like refresh rate to password change into their system. I attempted to change my password four times and locked myself out because of the slow refresh rate. 


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PC MasterCard reduced my credit limit four times in four months as I paid off the balance. Due to this my utilization ratio did not improve and my credit score did not regain much and I became ineligible for good credits. I had utilized 95% of my PC credit card for two months as I need money, and this resulted in my credit score falling by more than 200 points. Since then I paid off most of my balance in PC credit card, and they reduced my credit limit to the amount I paid off straight for four months. Now I have balance of about 700, and my limit is reduced to 1000. I had about 4900 balance last month, my credit limit was 5300. I had around 5800 balance two months ago and my credit limit was reduced to 6300. Three months ago my balance was 6800, my credit limit was reduced to 7100... Due to this my credit score has not improved as my utilization remained high.


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I have been using this credit card for many, many years. I love its benefits (the points), but I find that I cannot trust it fully. When I receive my monthly statement, I receive it twice - once at about the 18th and the same on the 30th or so. The first time, I ended up paying this bill twice. Now I am wiser. Secondly, I have NOT received my monthly electronic statement this month, which I usually receive on the 18th. It is now the 23rd. And I have spent a lot these past few weeks.


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Applied for the President Choice Mastercard. Received it. Tried to use it the first time and it was immediately blocked. Spent several weeks sending them proof of who I was. Sent valid government ID and tax notifications. Then followed up each time with phone calls. Was told they would get back to me but they never did. I followed up and they said they couldn't see the documents clearly. Resent the documents. The images were very clear (they were the first time too). Didn't hear back again. I called to follow up and this time, they said they never received them. I cancelled the card. This company is incompetent and not professional. They don't even deserve the 1 star rating. STAY AWAY! NOT WORTH THE HEADACHES.


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I have been happily using the President's Choice Mastercard since its inception. However, the accounting program I use requires a Quicken file, which the new President's Choice Mastercard website does not support. In order to create a file that was acceptable, I had to download the .csv file and add the required columns in the correct order to make it meet the needs of my program. I then saved it as a .csv (comma delimited) file and was eventually able to import the data. This is very messy, time consuming, inconvenient and prone to error. 


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I have been using PC Financial Mastercard for years and track my finances with Quicken. I recently went to download my transactions and found a total new website that did not allow for the service I have been getting for years. No one had informed us of this change and now I have 3 months of transactions I will have to enter manually. Talked to customer service and those guys have not a clue. They are reading everything from a script and when I explained what I needed he said that was beyond his scope and he would go check - He came back to tell me that service no longer exists. Needless to say I am moving on to another credit card that actually works.


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The new PC online website is terrible. What happened to my transactions. I can only see 4 at a time spread across my screen. Drop down menus are obscured by a big red line. This is probably the worst upgrade by a financial institution I have ever experienced. It is more of a ridiculous downgrade.


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I signed into the PC Financial website to find it had been revamped. Took a while to work out what was where. There certainly seemed to be a whole lot of PC selling and PC promotion than with the original. Why my rating? I use Quicken and download my transactions into same. I could not see the option so contacted support only to find this capability HAS BEEN REMOVED. They offered a work around using CSV files but QUICKEN only imports CSV for price updates. Clearly they have no clue. Who ever allowed this to be released should be fired.


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Tried numerous times to set up pre-authorized debit for PC Financial MasterCard and I can't recall ever dealing with a more useless organization. Constant runaround every time I called, they can't even handle simple banking info properly, and most likely nobody there even cares. If you are lucky enough to read these reviews before getting a PC MasterCard, look elsewhere for your credit card needs.


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I am stuck in Spain with my card canceled due to a decline of my card for a 10$ purchase. President's Choice has canceled it and even after numerous calls and proof of who I am will not reinstate card. Even though no fraudulent activity and card paid off in full before leaving they want me to call from home phone # when I return as they must process through numerous channels. Card is needed here and now. They were notified before I left off where I am. No fraud etc. was tried only a company that did not process a transaction correctly. Hours have been spent attempting to correct a minor issue. BEWARE OF THIS INCOMPETENT COMPANY. They are only rated as one star as I must rate but are a zero.


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I applied for this card when someone who worked for them asked me at Shoppers. They sent the card to the wrong address twice. They called me to let me know the card had been returned to them the first time but didn't bother the second. When I called them to ask what had happened to the card, they basically said, "oh yeah, it came back. Guess we should have called." When they finally got my address right, they sent me the card but then needed additional documents to verify the address. I sent them the documents, and surprise surprise, I heard nothing back. 


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I got this credit card to get extra PC points. So far it's worked. I just buy little things like gas and groceries on it. Only have a $1000 limit and it hasn't been a problem. However, somehow last month I underpaid my card by $1.50 and didn't notice. I'd been noticing that my credit card wouldn't work when I went to buy stuff but never called because I didn't have time. Now, when I'm paying this month's bill I noticed that I underpaid by $1.50 so that's probably why I was declined. Seems pretty fickle as this hasn't happened with a BMO cc. Having now read everyone else's review I will be careful if they offer to expand my cc limit, too. Otherwise I have appreciated racking up the points with this card. Paid for my groceries on a road trip just as I had planned. :)


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I have had the card for almost a year, started with 5000 limit. I max it out every month between everyday purchases, groceries and all bill payments. I pay it off in full every month as soon as the statement comes out, no interest, no fees, just lots of points. I do not pay to bank and this card gives me that same option. I operate a small distribution business and use 140L of fuel every day 6 times per week, to which I charge to this card. If you are smart with your finances and only spend what you can pay off at months-end this card cost you zero dollars and can you can accumulate a lot of points. FAST.


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PC Financial automatically closed my account without any notice, warning or letter of closure after being with them for over 3 years with an account in great standing. The only way I found out it was closed was when I called in to see why the card was declined during a $1 purchase. After being bounced around from useless representative to representative, I learned that they had in fact chosen to cancel my account over a month ago without reaching out to me. In the time from it being closed by PC Financial, there was paperwork or notice sent out to me and the card I had in hand was still "valid" through XY month this year. Are you kidding me? Never will be with these jokers again.


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I am registering a sincere complaint based on my experience this evening with the PC Financial Customer Service Department. I was just disconnected after two hours of being kept on hold and being transferred between departments and nauseam. This happened a total of five times. That's five transfers between departments, five times explaining my simple request - only to be told I needed to be transferred yet again, and to be put yet again on hold. As of right now, I still have not had my question answered, nor my financial request resolved. My family and I have been loyal customers of PC Financial for over two decades, through numerous Credit Lines, Credit Cards, Chequing and Savings Accounts. 


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Put almost 3000 dollars onto our card, (4 months of grocery money), after receiving our student loan. Checked 3 days later, and they had reduced our credit limit by... $3000! We now have no money to eat for the next four months, despite 8 years of perfect payment history. Thanks PC Financial for threatening our families' livelihood.


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In July I was accosted in Shoppers Drug Mart by PC rep who took my DL info. 30 days later I received & activated my card with $10000 limit. Requested a balance transfer. Told 3-5 days. A week later, card is BLOCKED. No explanation. Then told they couldn't confirm my identity. Want all kinds of personal id faxed to some number (could be INDIA for all I know). Then told they do not keep records of application or DL info from the PC rep at Shoppers Drug Mart. What kind of company mails out cards with $10000 limits and does a credit check only AFTER the customer tries to make a purchase and BLOCKS the card they just activated with a rep on the phone...exactly! So I cancelled the card. PC Financial is incompetent, a scam or both.


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I got my MasterCard recently approved for $8000. I spent 1200 the first day, not thinking anything of it. I figured I spend some of it and then pay it back before month end to build my credit. On the 2nd day my CC was declined. When I called them they told me there is a hold on the credit card and I have to pay $600 right away to get the hold removed. They couldn't even wait until month end for the payment. That didn't make sense. The rep. said they were afraid I will spend everything and not pay back. So I asked, then why didn't they just approve me for $1500 and we wouldn't have this problem. Even when I make a payment, now if I ever use it again, I will be thinking will it go through or not. I never had this problem with any other CC before. Would not recommend it to anybody!!!


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I was offered PC MasterCard couple of years ago, was given $10000.00 limit on the card, at some point this years I asked to have convenient cheque to pay for renovation in my house, suddenly PC blocked my account for no reason!!! Then when I called they said we need proof of residence and driver's license. I told you could call me and explain why the block. They said they did call, I asked what number, apparently they were lying they had no number to call. After numerous calls again they stated my card, yesterday again this time reduced my credit limit by 7500 dollars, again no reason, truly garbage credit card and extremely bad customer service.


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This company offers you a credit card and then cancels it for no reason. Even when your payments are current and not at limit? Poor customer service when asking for explanations. Feel like it's a money grab for their company. They approve everyone then cancel the cards and ensure you pay the entire balance off before you are allowed to apply again. Pretty good way to increase their company face value. Gets the financial world thinking everyone is moving to PC Financial. They should be worried about their back end and retention from the fall out of cancelled cards. May not catch up to them today...but it will. Watch your PC Products. They won't be on top for long, not after this type of discredit starts surfacing.


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Due to unforeseen circumstances such as a car accident and job loss, PC Financial CHOSE to cancel my Mastercard even though I paid the balance owing in full. I have no problem admitting that I was late a few times with payments and went over my credit limit due to the car accident insurance deductible, I feel strongly that I should have been given credit for paying the balance in full of $810. 


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I have my PC MasterCard since 2017 with no issue then one day in April 2018 I discovered that my credit limit had been decreased from $2000 to $1600. Called the customer service and I was told that I had 3 overlimits for the past 2 months. Why they decreased my limit which I don’t see on my statements. So, in May 2018, I started paying twice a month totaling $550 and June 5 I paid $600 to avoid overlimit as they claim. At the end of the day I let it go and moved on. Then today, June 24, 2018, PC Financial reduced my limit again from $1600 to $1100 even though I had not defaulted on my payment obligations.


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I have had months of fraudulent charges on my card. I tried to cancel so the charges would stop. They told me this would do nothing. I opened up a dispute, followed everything they said, and provided proof and they still said I lost the dispute. The customer service is a joke. Every rep didn't seem to know what they are doing. They did barely anything to help. They are one of the worst banks I've ever dealt with. Avoid them at all costs.


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This company is a joke. I have always been a good paymaster with all my credit cards but never encounter such BS and hassle for having this credit card. I had gotten a supplemental card for my son for emergency usage. Yes he used it and forgot to tell me about it. This happened in July of 2017 hence since I did not know about it and had not received any statements or calls from PC Financial therefore had no idea I had owed them any money. By the way it was $65.55. Only last month I was using their card for making a purchase and was declined. I could not log in my online account and finally called their customer service. They reassured me no problem, after making payment everything will be taken care of. 


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Have to say that of all the banks I've ever applied for credit this is easily the worst and most tedious in which to obtain anything. If you've recently moved or less than a year at your current address you can expect these guys to demand all sorts of documentation from utility bills to personal cheques for $1 to CRA income statements and besides the cheque, they insist on 'original' documents as if they were the passport office.


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I’ve been a customer for quite some time and have always paid on time. Recently one of my dogs got really sick and had to pay higher bills than normal and got me behind in payments. Called customer services a couple of months ago to let them know and the guy said not to worry when I explained the situation and the reason I was behind. Since then I’ve been getting nonstop calls from them and even though I explain again and again the situation and they agreed to stop the calls I keep getting a call a day.


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We are two seniors enjoying a winter in a beautiful Mexican town called Guanajuato. We like to put our groceries on our credit card but imagine our shock when our President's Choice Mastercard was returned to us with a "declined" message. I called the customer service line and was told that our account had been cancelled because they had sent out new cards in November and they had never been activated. But I had called customer service while we were still in Canada and told them that I was not going to activate the cards until we got back in March because I had pending reservations on my current card. She said that was fine. 


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After being a loyal customer for 2 years they closed my account for no reason and this happened 2 days before the Christmas. I was never late for any payments. They basically tricked me saying send us your Identification and a statement copy then they closed my account. Anyone who has an account with PC Financial, don't trust them as they can let you down when you need them and my advice to you, never send anyone any documents as it's just a trap, just like what happened to me. They closed my account after they got the Documents. I would never deal with them ever again.


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I'm having a major issue with PC Financial, and I'm thinking it must be because of their recent change in ownership. I've been a customer of theirs since 2000 and haven't ever had this problem. I expect my mortgage payment to be paid by them every 2 weeks always on Friday night. On Saturday it didn't get paid, so I put a bit more money in my account. On Monday night I put in some more money to pay a credit card bill, and realized I put in too much, so I selected the option on the ATM to withdraw a bit. The ATM told me that I didn't have an account to withdraw money. I figured that the computer might be in software upgrade mode due to CIBC taking over PC Financial and went home.


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This card is horrible. I can't withdraw money under 1000 dollars and I paid my bill. I checked the next day and the payment went from 321.74 to 374.74. They also stated to me that I would have 349.50 for my available balance when the payment came through. I got 258 dollars and my remaining balance was 114 dollars. I don't recommend anyone for this company.


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PC Financial, I am appalled for the third time this year at how you have been handling my money. I have been trying to rebuild my house that burnt down in a wild fire and all your company has done is put up road blocks, shown constant incompetence and treated me without respect. We are about to move into our rebuild in three weeks and again I have to chase down your senior investigator to do her job and escalate it to the supervisor when she does not respond to me. 


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I applied to renew my mortgage In April 2017. After providing all the documents outlined President's Choice demanded that I provide them with a letter indicating that I was no longer on probation at my employment. My employer stated that current pay stub was prove of continuous employment. I have banked with PC since 2004 and have their Optimum MasterCard so they know my financial history and for them to use such a trivial reason. I am parting ways, I have nothing to fear, I will still get a mortgage elsewhere because I have a job and an excellent credit. Bye.


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I never wanted a PC MasterCard but got convinced by one of their salespeople in the store to get one. As we do quite a bit of shopping at Fortinos and were told that this would help us earn points towards groceries faster, I signed up. Had the card for a few years with no issue then one day I discovered that my credit limit had been decreased. I called the customer service and was told that something must have negatively affected my credit score which would have caused the decrease in the credit limit. I am a monthly subscriber of Equifax so knew right away that the reason they gave me was a lie and when I told them as much I was told that in any event, the terms of the credit card allow PC Financial to reduce the credit limit for no reason at all.


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They are not easy to deal with at all, it is the most difficult financial institution. I cancelled my Mastercard with them a while back and I am not cancelling my wife's as well. For having a credit card that does not have any annual fee, customers does not deserve the kinda treatment that they give. I thought Scotiabank was bad, but these guys are worst.


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The tactics of this bank are truly beyond words. I thought I would switch over to PC from a much larger bank which charges fees. After selling my house, I deposited a certified cheque from my lawyer on the 27th of the month. Believing a certified cheque is the same as cash I wrote a cheque for some plumbing work shortly after that, which bounced. After calling repeatedly, and trying every approach from anger, to pleading with them because my family had no furniture to sit on (we sold most of our furniture with the previous house), I was met with nothing but apathy and rudeness. I have NEVER, EVER been treated so poorly by a company in my life. They truly do not care at all about your business. They are rude and unconcerned about anything you say. 


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Worst experience ever with PC Financial Master Card. I called this morning to help my dad reset his PIN. At the beginning of the call, I advised the lady that I'm the primary card holder and my dad doesn't speak English well, so I'm going to put him on speak phone and help to translate. The lady asked my dad his name, date of birth, the phone number associated with the account, and how old is he as of today, and my dad answer all of them in ENGLISH. And then she asked my dad the email address on the account and if he's working. I told her that I'm the primary account holder and that's my email address; then I said again my dad doesn't speak English very well and she has already asked him 4 security questions and he answered all of them in ENGLISH. The lady asked me to write down the email address and have my dad repeat that information. Excuse me?? That's how PC Financial authorize their client????


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My monthly payments from Metro Toronto social services was debited on April 28, 2017 on Friday in my checking account of PC Financial. As the office knows that my mortgage and other payments to be made on every 1st of the month and the bank released the amount on 2nd May 2017 without caring. Even after calling and spoke to one of the supervisor that my mortgage payment and some of my other payments has to be made on every 1st day of the month I went through a mental trauma after realising their insensitivity and carelessness towards customer that even after calling and pleading they did not cared and released the amount in my account only on 2nd May 2017.


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We have tried to get a line of credit through this bank thinking that the no fee bank account along with free groceries would be a good idea! NOT the case! They have no idea what they are doing! Are very disorganised! And the sales people we talk to are clueless. I rather pay for a bank that knows what the hell they are doing. Worst bank experience of my life!


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The company was promoting membership sales at Loblaw's and I signed up for the mastercard. They did a credit search on the spot and gave me a $10k limit. Six months later I received a letter from them stating the limit was lowered to $500. This was clearly a "con job" to get me signed up for their product as my balance on the card for 90% of the 6 month period was $0. When I called to get it changed back they would not budge so I cancelled my card on the spot and I will never use another PC Financial product again.


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If you obtain a loan from PC Financial, keep a very close eye on your credit report and score. I had a small 5-year installment loan of $5000 that I paid off early. I then confirmed that the account had zero balance and was in the clear. A few months later, they updated Equifax to say that I have missed 3 payments and had an outstanding amount of $4.00 overdue for 90 days. That took about 150 points off my Equifax credit score. I know free banking is attractive, but for your financial security's sake - stay away from this firm. They conduct business in a fraudulent manner.


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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I called the customer service line and the agent tells me I will take your debit card information. I say wait is there a fee? The agent says yes but because you had so many issues trying to make your payment I'll go ahead and waive $2. So instead of the $4.95 fee you'll only be paying $2.95. I let the agent know my payment is due tomorrow and no one told me Credit One needs to verify the checking account (takes up 10 days). I'm only left with 2 options: Express Payment for a fee or my first payment is going to be late is that correct? The customer service Representative says yes and that's it. The APR is high and the customer service is lacking. Go with another option!


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


