# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4eab53c062c4f60a41c4b29fd1ff67f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92913dd0a0a2431bb38fad4961b02659
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49a5b76db7bc4b21a9d4ca90feab6536
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a5abeeaa861483db4fe97e48fba6097
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2585a68bd602425d8eedbf8d72e9a15f
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa6e61211da843758a76edcec73a1212
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7d1624f993940bfad2b60a7fedc0e8d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce9effcbfa81490a82075c2bcc4a4b16
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bd68e3ea9ca44a08190a9dedca42535
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t waste your time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a31d3bfe26346efb64b4a35c7565ef1
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7b5062a3f354aa1b497ea17705e7e66
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9541403b64704a6bbe789b6d699eaec6
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c00559f6c7b442f18840567be12d52b0
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc2493e56c344a16a65294e3b78fd36b
encoding: FLOAT32
metadata:
{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fccf5c7fb14c462ebf4c3f57a6eddaf8
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63f11201450a4295be8328584eec0e94
encoding: FLOAT32
metadata:
{"chroma:document": "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..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f59e87fc1d64e348f966249b1d8241e
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da4eb17dafef4dc0bddd6ce0b40212a0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0887d7c1bee148fb86d254692e14b666
encoding: FLOAT32
metadata:
{"chroma:document": "While I\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91053e5180124ba581a44b1369e93560
encoding: FLOAT32
metadata:
{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 895f36a5892e43b9a3481d739ffa8f5e
encoding: FLOAT32
metadata:
{"chroma:document": "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.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 847b4ca9a35e489a8f3ee41913e75d91
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb60f532737842798126a10b52761001
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d731d72e1a24a0f85253bb3d96435dd
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dcc04548860465fbf43df1579e06b9d
encoding: FLOAT32
metadata:
{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e3b5ed41b214a22a5c2c616e18be77f
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa11608a2e3f4d98bc761de33c705d41
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a13705d1cea4fa6ac414c561d4dac03
encoding: FLOAT32
metadata:
{"chroma:document": "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 \u201cPlatinum\u201d card through Credit Karma as a \u201cbuild credit\u201d card so I proceeded to apply with them. Approval and registration process was simple with the company, and BOY OH BOY I should\u2019ve 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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d3ac59a6d154198983780b1c4a51ac0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9b11aaef95d46019256257d3263729a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 045008f433ab49ba8dca9cac5f631331
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19050d070d4b42dba86577673ef3ba4e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: baf6a07724b44ee1b2dd89a32e394c18
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a922f44bf7e463897b2922c4c6a39c0
encoding: FLOAT32
metadata:
{"chroma:document": "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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b126b1df43c34e0aa476884772cccdcc
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a073dbb94de2452f8abe3ec58a4f2400
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eff1c7abea244ebf8f39204210c8df63
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 390af694deb6463f8614013be0f88ab0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41c244233a2c4117a84d5ed679594d31
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ce60e3dd45e44fd84de2595a7d529ad
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad36618dad284cc5884d83e1aeffde93
encoding: FLOAT32
metadata:
{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67cae80eb3de4a0b8e92c57bf52ea305
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4db9c9e7daf34de6849ef4fd2cb04d30
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019re 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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ac977e1e88041e78ebfeead294a9dce
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0d7b4c654784951b85eedbbcc9aafe2
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6f25ed23e344c978b6331fc30993c8c
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1dde015c23614e71a4f3408a24c78906
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d25f281dcad746238974c6c89e37136c
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa076f83a3ea4c769e83b205752b7067
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86d284be40a4464db7e791a792aab040
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c37d724eb2f4b55a908ccbefcecf99b
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ada24c88ae114ae3b89008476d93b307
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4206c8da51843ef8aaee2aacb7ab3d2
encoding: FLOAT32
metadata:
{"chroma:document": "The worst credit card you can ever get. By far you\u2019re 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)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cb5227c3b3c4969a810b76878a67899
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b177ddafa274826bfb045db51413613
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d0e4fb071f9443f951d26be4a17485a
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fffcaca569242b0b21fd71dee5d5b12
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b33052e8abc4568bec4d34fe9e3e280
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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\u2019d 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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30cbcfe404da4f1e8fa3d5428b9d3a94
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8e2146ba1e34b508b68c25526304708
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7567c130500d466f95369374f1932561
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20d7df4a9fa64daab5445ab1aa66c97f
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc92470f86494570afb161bb2307f006
encoding: FLOAT32
metadata:
{"chroma:document": "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.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e892b504638434a94ed7e7d3cd7172a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5053e29131804a7eaceb39368615f7cc
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ea1e26ccbaa48e39695549d2234b218
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa7053b8771946478ed68ae717d3ae10
encoding: FLOAT32
metadata:
{"chroma:document": "It's been a week since access to my account has been unavailable. I've never been late with a payment ever, always pay earlier than due. I've spoke with at least 9 people at this company. Reset password over and over. Had this card for a few years used it recently that's when problems with access started. Maybe they don't want you to access card online after use, I don't know but this is a crazy way to run a company. I will keep my reviews coming until they fix this problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ab4a7d1d1704f6781f92bd2380dfb49
encoding: FLOAT32
metadata:
{"chroma:document": "Reps have lied who work there, payments take a long time to post, unprofessional staff, seriously all rules set up to have you paying crazy interest and fees, and credit reports are not true because they aren't aligned with none of the credit bureaus results. Don't waste your time and stress over them. Get someone more reliable like Capital One or American Express. Haven't had this trouble with AE or CO credit card companies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28f3595f3acb438ca1638f85cbf13857
encoding: FLOAT32
metadata:
{"chroma:document": "They denied me a card. Said my score was 393. That's a lie. I just paid off a loan 12/30/2021. Re did a new one. Bought fiancee a car and was shown three scores, one for 500, one for 521, one for 563. You're wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e75e4f8fdd004ba49f2b7708db7ff521
encoding: FLOAT32
metadata:
{"chroma:document": "Have had nothing but trash service from this company. Since I opened the account their customer service is trash. Steady pay on a card that I'm unable to use. Had the card a day. Used it once and they put a fraud alert on it. Beware. Stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18b4132fc50e49309d519f9a207a7654
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this card in the summer of 2021 because it was recommended to work on repairing my credit. Because I'm trying to improve my credit, I pay my bills on time every month usually a day or two before they are due. Unfortunately credit one bank has failed at making this easy. Initially, I would pay using their standard payment method. Within 2-3 days later I'd get a call saying that my payment was rejected due to insufficient funds. I'd always have money on the account. This happened 2 or 3 times before I decided to pay using their express payment system. The first time everything was OK. The 2nd time, I got my confirmation and checked to make sure the money came out and saw the charge on my debit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a93142d0a4b6473697b4a76120d97811
encoding: FLOAT32
metadata:
{"chroma:document": "The absolute most frustrating calls I have ever made. Credit One bank was trying to pull Payment from a very old bank card. When that wouldn't go through, instead of contacting me they tried pulling from my savings (never gave that info). After speaking to my bank they blocked Credit One from pulling anything from my savings. In the interim I called four times to make payment, they again tried pulling from an old closed account. I paid my card in full each month. I have contacted Credit One 4 different times to no avail. Not one English speaking person. I could not understand The person and they could not understand me. Finally the supervisor hung up on me without resolving my issue. No explanation as to why they were pulling from a old closed account? No explanation! I will close this account and never open again. Horrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 209e4bb9e268436899052acb1969260f
encoding: FLOAT32
metadata:
{"chroma:document": "I had their card about 4 years. The credit limit was only $1000 with annual fee of $39. Since I have other high limit card and I don't use Credit One Bank card, I called them and closed on November 17 2021 before the annual fee due date due. Date was December 2 2021. Now it shows $67 (39 plus any late fee) balance on my credit report... All they want is money.. What a terrible company. I would give them 0 star if I could..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75118fb91bce47a59f4a8f74200c9833
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get a credit card from Credit One. 1.) If your credit card is paid off they charge you an $8 monthly fee 2.) If you pay after a deadline time on the day it's due they charge $30 even though you paid on the day it was due and if you didn't know they will only give you half of it back. 3.) They charge high interest and a yearly fee. Not worth going to for a credit card"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94bfa2fb016f4385bcd1cb1899f8413d
encoding: FLOAT32
metadata:
{"chroma:document": "Listen folks you may not know me but I promise you I'd never steer you wrong. Whatever you do stay away from these people because will lie to you, I was called by a supervisor Mr. ** and my last name isn't nowhere close to **, was told my card would be sent expedited shipping after I reluctantly agreed to a $19 expedited shipping fee only to find out 2 days later it wasn't sent expedited shipping but regular mail and only Credit One Bank Credit Cards take almost 2 weeks to come through regular mail and never in my life have I ever known a credit card company to take d*MN near 2 weeks to receive a card through regular mail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dabd9c568674b57a5b1b285c8ae81f7
encoding: FLOAT32
metadata:
{"chroma:document": "Had problem login in since day one. Interminable phone calls extending to 3 hours clock and leaving the problem unresolved. Arrogance and ignorance are the best virtues of the customer service. Screaming and yelling over the phone, hung ups and other sort of diabolic mixture not condoned by the financial world are very common here. Since the workers are mostly located in the Philippines and or India, it is very common that these individuals mix native and English words resulting in a new incomprehensible language. Technical support is never there and I have doubts that exists. Overall very, very, very dissatisfied with the Bank which I give Zero stars. There`s better companies out there. Since it is the end of the year, this company will be analyzed closely."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35168a74f1264aff936eedb558ebba3e
encoding: FLOAT32
metadata:
{"chroma:document": "Ok. So, I received a preapproved offer in the mail. Applied got approved. I honestly believed I was applying for a Capital One card. I even called Capital One and they kept telling me that they had no account with the info I provided. I became scared I\u2019d had been scammed. So I called the number on the back of the card. Kept getting hung up on. I had let the card sit and didn\u2019t use it. After a few weeks I thought I better activate the card and called the number on the back of the card only to find out I had a balance. A 109.00 balance. My bad. I didn\u2019t read the fine print. Also, the due date was the day before I made the call. Total panic."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 292045b7324144f5a12445cef87e1407
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my Credit One Platinum Card for a year now. I finally asked for a credit line increase...denied. I'm in the positive ten cents actually money wise, in good standing, also no payments due. I have been working so hard on my credit score and finally for once asked for a credit line increase with no intent on using the extra credit line increase just wanted to have it to boost my score and they refuse to help. Bad service...looking into better credit cards now that would be more helpful and beneficial."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c3467cf33c54efa9bdf9be4a44e2823
encoding: FLOAT32
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{"chroma:document": "Long story short, huge mistakes in my youth and missed chances to grow because of ignorance caused me to not only make my life harder, but to also scare me away from thinking any bank in the world will even talk to me. I have finally opened a successful bank account with a local credit union, started looking at credit much more seriously and developed a huge drive to not only fix my credit, but to get approved for the best cards I NEVER DREAMED of getting approved for before, and all of this is thank to Credit One giving me a yes on my application. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1c5ac6dbb2c40978e8265667eb45b3b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the card a few years. They kept adding some credit protection to the card and I a few times called to cancel it and they cancel for a few months and then sneak it back on. Today called to cancel card and the lady tried to save it but I said please cancel and she hung up. Called back and suddenly asked for my full social, date of birth, etc and said it\u2019s already cancelled. Go on the app it\u2019s still active. Call back to cancel again and they hung up on me again"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccc018df6b1141cc986a73728b964dd6
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{"chroma:document": "This has been the worst customer service experience I have ever received from any bank. First they send me a pre-approved offer, I proceed to complete the application and it was approved, after several weeks I receive an email notifying that the card was sent and should arrive by October 24, today November 4 arrives a statement and the card never arrived. I contact the bank and they tell me that the card has an alert because they need to corroborate my address in which they ask me for a water or electricity bill, Social Security card and driver's license to be able to send the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 393055fb5c4e4dadbf079a8b4c9e6e55
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{"chroma:document": "I have two cards with Credit One and for the most part it has been fine. In the last 14 months I have not received any credit increases. I am not sure as to why and yet I'm seeing on here people that have had their Credit One Card for a few months and getting $1500 increases. I never go over 10-15% each month and pay it off every month with the exception of a time or two. My one credit card that is two years old has never receieved a credit increase. I have called to see why and they don't give me a reason except I'll get a notice online and I called today to complain that I never get notices and all of a sudden I go on my account and there is my notices for not having an increase due to not meeting their criteria... I don't know what the criteria is and it's getting really frustrating. I've been with this company for four years now. Thanks for nothing Credit one. You guys are not that great!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10a9b2c08136439198b827eef475068f
encoding: FLOAT32
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{"chroma:document": "Don't open an account. Worst card I've ever had. Customer service is hard to understand and not helpful. They make up whatever they want because the agreement says they can close your account for ANY reason without notice. They don't give credit line increases. I had them for a year and a half, with perfect payments, I didn't have a high balance and was told I didn't qualify for a line increase because I didn't have the card long enough. This is after a year and a half. I called 4 times in a month to complain about this so they closed my account without notice. This affected my credit so please be careful. They are not a good company to work with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6790022229d44606bc97ccd321d2b977
encoding: FLOAT32
metadata:
{"chroma:document": "I've only been doing business with Credit One for a few months but thus far, I have had nothing but positive experiences with them. Their website is easy to navigate and their customer service is friendly. Yes, the rates are a bit high but for those of us rebuilding our credit, that's the nature of the beast. I appreciate them for taking a chance on me when no one else would. All-in-all, I think Credit One is a great bank to do business with if you're trying to rebuild your credit or trying to establish credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83576e31fd6c4682bf8eeaeb218fded5
encoding: FLOAT32
metadata:
{"chroma:document": "When I got this card there was no mention of an annual fee this is why I selected the card. Not the case bait and switch as I was charged an annual fee. Company is a pain to deal with. Customer service people are hard to understand most likely because outsourced outside of the USA. Company states regular review of your credit history with them and automatic credit limit increase. Again not the case. STAY AWAY. Better cards to be gotten if you look. Unfortunately my credit is just being rebuilt because for medical bills and I have no choice but to pay the fee and keep the card for now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09582d566e214bea9680cead6d474e30
encoding: FLOAT32
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{"chroma:document": "I have been a customer of Credit One for the past 5 years. I have never been late and I keep a running balance under 10% of total available credit. I went to use my card at Dillard's today and it declined. I subsequently called the credit card company and after asking me five different questions to verify my identity they stated my card is restricted because they have not received a copy of my driver's license and a copy of my electric bill..WTF?? I have been a customer for 5yrs. Never late and never over my limit and you restrict my use without informing me and subsequently embarrassing me as if I am destitute. Well CREDIT ONE you lost a valued customer. I cut up both cards and threw them in the trash. I will pay the remaining 10% I owe but please NEVER EVER contact me again..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc744988d593410b9345c884bcbbcfa5
encoding: FLOAT32
metadata:
{"chroma:document": "I make my payments by the 18th of each month, I haven\u2019t been late once and every month I get 10-15 calls a week from them asking if they can process my card over the phone and make a payment on the card and put a 50$ hold on my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a36cd79e8bd041f599758032578ece9e
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Credit One credit card with a $300 limit. Three months ago I paid all my credit cards at all, and my credit rating score made a great leap forward. I open up the credit one account just to build my credit, Yes they did not report that I have paid them in full for almost 30+ days, while the other credit cards that I have updated my account immediately. I missed a payment two years ago right at the beginning of Covid, and it began making extra payments to pay off my credit debt. Credit one never failed to call me if I was one minute late. So when I paid all my credit cards off, I didn\u2019t receive any calls, I did not receive an invoice, and logically I presume that I didn\u2019t know anything to any of my credit cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc44b9044aa043e8883003de027baa86
encoding: FLOAT32
metadata:
{"chroma:document": "The only way to talk about your account and issue is Via phone. Tried to make several payments thru app and online and it claims bank account issues. I then get charged late fees. Called my financial institution and they say: Credit One hasn't requested any payment requests. Call them back and claimed it is still the my bank. I have to pay an express fee $7.95, if I use my debit card or speak with Credit One. Their response. You signed and agreed to their terms. AWFUL! No problem taking check information over the phone RIGHT. Whole family has these cards!!!! Paying off and cutting them loose!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 127f12d7ec1c4577a09f5231f826f26d
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for a few years. I use it sometimes to pay for supplies for my business. I like to pay off the balance every other week. This week I tried to pay off the balance, and they suspended my card. It says I have exceeded the ACH limit! What the **! They obviously don't want the balance paid so they can keep charging me interest. I called customer service and was told I could make a payment today, NOT TRUE! It won't let me pay off the $280 balance. And I can't use the card, so as soon as I can pay off the balance I am closing this account. Capital One lets me pay everyday if I want to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81f1bea198ad4571921055cde920e91c
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been a customer with Credit one for over 3 years with 2 accounts. I was declined a credit increase each time it was requested. I make well over The average salary yet have only been given a limit of under 900$!!! Each time when asked why am I being declined I am given the run around and never a direct answer. And before you ask YES I AM OF COLOR!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5af4f6c59b624a99adf6887cea87af39
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for the better part of 8 years and did not use it for the last 12 months to avoid any balances or fees, for a $ 300.00 card I've been paying the $8.32 per month \"Annual Fee\" (yes they charge that monthly) that appears in the card, somewhere around $104 dollars for a $300.00 card? - Decided not to use it, had No Balance whatsoever for the past 12 months, and tried to cancel the first time, then I kept getting the bill and called in a second time to cancel. Hopefully the third time is the charm. Their website offers NO information on how to close an account and when called you are confronted with an offer of \"6 months no monthly fees\". Declined the offer twice, and I hope this time they get the idea of canceling and close the account -- Never again with this card as I will make a sincere effort to talk to anyone slightly interested to get it and warn them about my experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea42f307f75d47d5b6f046661e7b0bcf
encoding: FLOAT32
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{"chroma:document": "I paid my $194 balance 4 days ago. The payment is reflected on Credit One's website and cleared my bank, yet Credit One says I have $9 available. The money that I paid will be available in another 3 days. I work in banking so I know there is no reason why it should take a week for me to be able to use my card. I plan on canceling this card once the year is up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a614309c6f84ae187ca3daa5d5c6060
encoding: FLOAT32
metadata:
{"chroma:document": "So, I've has this card going on 2 years now, and to be honest, I rarely use it. I pay in full monthly if I use it. So, I actually requested a CLI because that little limit they offer is not worth it to be in my wallet. They denied it, and I was truly shocked. You saying the 2 other major cc I have can offer $5000 or more, but you offer $600. Not worth it. Will be closing. Only got it to build when I did have some hiccups, but my credit score either didn't change or was lowered because they didn't even report proper data to the 3 major bureaus. So, yeah, I'm going to give them card back and I'll continue to work with Capital One."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cf9c2a370b248849e360387fb334039
encoding: FLOAT32
metadata:
{"chroma:document": "This Credit One Bank card has done nothing but hurt my credit score. My score has dropped over 50 points over the past few months even after making on time payments, they do not report proper balance and payments to the 3 credit bureaus for weeks. Their credit one portal lies about balances and payments. I have written several disputes against this company, worst mistake I ever made. I have a $ 60.00 balance with this company. As soon as I pay that balance I will close this account. Hoping to never hear from them again, S.M.H"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aad076bc7dd94a10a72c69275ecf874f
encoding: FLOAT32
metadata:
{"chroma:document": "Approved for an initial $300 limit. I called for a credit line increase and was denied after 13 on time payments with no issues. The notice read \"Insufficient time since account was opened\" (after 13 months?). Bottom line is, this card is useless and customer service is a complete joke. I would stay clear and NOT recommend this card for any reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85389eab9ba748c78e1daf8df2ce1bc9
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with this bank for over a year. Never been late on my payments, all way been early on my payments. I have never been offered a increase, they charge a crazy amount on interest. When you called to talk to someone at the bank you can't understand. It's just the worst bank of ever had to deal with. I do not recommend this company. But there are other companies out there a lot better.. But that's my review."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b19ba0c80dae44d8b28ba6ff0d6824cf
encoding: FLOAT32
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{"chroma:document": "I paid my credit card bill over the monthly payment due 2 times and both times they returned my payment so I paid the minimum amount due on the due date and they returned my payment again and close the account. It makes no sense. I have never heard of collector turning down money. So strange to me. I\u2019m rebuilding my credit. I think they are designed for you to fail. They close my account and asked a representative if you pay do they delete off your credit report and of course they don\u2019t delete off your credit report. Such a disappointment. If you rebuilding your credit or just starting building credit stay far, far, far away from Credit One. Truly a bad experience. Beware of this company. Very bad company to deal with if you get a credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07b7d42b1edb4dad81f9488d6bcb9a48
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{"chroma:document": "As a customer, I had a claim that I was inquiring about and each time I was hung up on and no one seems to want to answer my question or assist with my need. When I ask what could be done they either hung up or claim they could not hear me. After calling for 7th time, after being hung on, I ask to speak to manager because at this point I'm livid and they transfer me to the Claims Dept. which I thought that's who I was talking to. When I ask to speak to manager they put me on hold and they eventually hung up. I have never been treated so poorly by a business. It should be a customer service class to those who need improvement. I worked in customer service and that's something we never do. Names were (Brian, Jerry, seems like the name I was giving every time). I'm cancelling my account. Capital One all the way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a650854d667439aa10994cb303adcaa
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m not going to write a book about why they suck! Pray to God you don\u2019t need a replacement card. Because it will take two months just to get it. And make sure you don\u2019t ask for a supervisor. I was told on the phone customers can\u2019t talk to supervisor. That\u2019s a no no. They told me I can\u2019t cancel my account until I receive my new card. Lol. It\u2019s not worth the headache. I know you're going to get all excited when they tell you that you have been approved for that big 500 dollars in the sky. ."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 821e95a719064f9fb5092067dbcb55cb
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for and was approved for the Credit One platinum card in August 2020. They claimed they would review credit accounts in 6-months after consumers make 6 on time monthly payments and provide a CLI. This is untrue, as I have made 12 on time payments before the due date and paid in full each month. I just requested a CLI and was denied. I have been working on my credit and it is better than when I applied by 50 points. Nothing negative has been added to my report and 3 negative items were removed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d87d76733a56413dbf511121024921b5
encoding: FLOAT32
metadata:
{"chroma:document": "If you need a credit card that is reliable, do not get a credit one card. I will not bore you with a story but here are the facts. This week I have spent 12 hours on the phone and on hold with Credit One and my card is a measly $300. This is actually the amount of time over only 3 days. Their card is constantly denied at merchants or rejects merchants. A nightmare I wouldn't wish on my worst enemy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f28c8ad4f0694a6fa4f65d22f983d824
encoding: FLOAT32
metadata:
{"chroma:document": "They claim I have a pending payment yet there's no way to verify it. The website is very confusing to use. And there's no online chat to quickly take care of any issues. The $7.95 \"express payment\" fee is a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18b1eb74ec964ac9ae9c6662ca954c92
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{"chroma:document": "This is my second card with Credit One. I see a lot of people bashing this bank. But they tell you everything upfront...you just have to do your part and read it. Yes there a lot of fees, but they take risks on a lot of people and get shafted by a lot of people. They gave me a card when most wouldn't. I have had ZERO issues with them. I know when I make a payment, it will take a few days to show on my available credit. No problem. These cards were not designed to live off of. If you can be responsible, this is a good card to rebuild your credit. Every time I check my credit file, both Credit One and Capitol One show exceptional payment history. It is allowing me to slowly build back the credit I so foolishly ruined."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7f7732c9ab24ee48a3783aa08752ddd
encoding: FLOAT32
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{"chroma:document": "Beware!!! I accepted an offer I received in the mail for a pre-approved credit card. Once I received the card, the card limit was lower than the \"guaranteed\" limit promised. There is an annual fee of $75, which was placed on the card right away. When I made my first payment on the card for the balance in full, the card was immediately suspended for a \"suspicious payment.\" However, they don't call or send a notice of any kind, you just can't use the card. Credit One wants a bank statement AS-IS, with all the transactions and balances, and wanted me to also include my FULL bank account number and routing number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3d06697fcfb48e8b891140e174187fc
encoding: FLOAT32
metadata:
{"chroma:document": "I was happy to have an AMEX card with this bank at first. I knew of the fees. No problem there. But the other credit cards I own, as long as I pay by the date listed. No problem. This company charged me a late fee for paying on the date the bill was due. I'm on SSDI and get paid every month on the 3rd. The date due was the 4th and was told BY A PERSON, that this wasn't a problem. I paid on the 4th to only find out that I was charged a $29 late fee. I called their phone number the next day. First to rescind the late fee, since this was my 2nd month owning this card and the other was to move the day of payment, just 2 to 4 days, because people on SSI or SSDI, get paid once a month and you pay your bills then. Credit One Bank didn't wish to do either but by escalating the call and waiting the 1.5 to 2 hrs, I got them both changed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e1168db6c864d4b839fff94c863feba
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank specializes in credit card banking for customers with less than perfect credit. Their main offering is low line-of-credit cards for customers who want to rebuild their credit. Their business strategy is great for short term (less than one year), but beyond 1 year, doesn't make any sense to use. For example, at the end of 1 calendar year as an account holder, they'll bill you $39 annual fee. If your balance is $0, and you never use the card, you might forget this $39 fee exists, and not pay it. After so many days overdue, they'll add a $20 late fee. And if your bank should be low on funds, a $35 returned item fee. So now we're at $94 in fees, all because one $39 charge didn't go through."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe2ca6083d094d35b5afb06b6901b926
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{"chroma:document": "I was devastated because I was a value customer at the time until I learn this I call the next day & explain to customer service that I always pay my credit card on time & early. I was told the reason they close my account because a few payments didn't go through which the bank doesn't take payment until the following day. Which I don't understand that either. & I said because other bills was due at the same time, it was just a error but I still don't see the problem if I'm always making payments early & I'm never late. I don't have this problem with my other credit cards. Credit One sucks, this company wasted my time & money. I wouldn't recommend them to anyone. They close my account for no reason. Credit One don't get no stars for me. Disgusted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efa673bd76014d77afe58fe839affa5e
encoding: FLOAT32
metadata:
{"chroma:document": "I attempted to use the card online and was declined many times. The purchase amount was less than my available credit. I talked to 2- reps, 1 supervisor, and two managers that all gave me inconsistent info and I still can't use the card. They advised my cash advance balance is $75. I let them know the transaction I am making is not a cash advance. I explained I don't have a PIN to this card and never intend on getting on. I was then told that this card is intelligible for balance transfers. I am not trying to deposit money to another credit card or a bank account. All their reps said nothing is wrong with the card and I should be able to use it. I then called the merchant where the transaction was attempting to be made and they confirmed that using a credit card for transactions on their site are not tied to cash advances or cash deposits. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b25086c351dd4a2582a76017d4828474
encoding: FLOAT32
metadata:
{"chroma:document": "So first off, I\u2019ve been a customer for a year now and I am transferring this account to USAA. These people charge a BIG annual fee, and a fee to pay the bill over the phone. They call you like every two days within the billing cycle if you are behind. I found this out after my debit account was deactivated by my bank for fraud. It\u2019s a family owned business because I have gotten the same four people so far with lots of background clutter. Very pushy and greedy even after I told him the issue. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3041fa4aaa8a48e383f5b903da4d2060
encoding: FLOAT32
metadata:
{"chroma:document": "I recently signed up for the credit card and now received it in the mail. As I am trying to set it up for use with the app, I keep getting error messages saying \u201cfor security reasons\u2026 blah, blah, blah. Call this number.\u201d So I call the customer service number they provided and it prompts me through until I put in the last 4 of my social security number. Click. The call ended. So, I called back and got a little bit further that time. It rang for a second, then went silent for nearly a minute, and then hung up. I tried for a third and final time and got the same result as the first time. As stated in the title of the review, not off to a great start, Credit One!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a32222ff5df04b00a60d03481ec265a9
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{"chroma:document": "2 stars because they approve you for a $300 credit card even if your credit score is low, but with the highest APR of any bank. I had a score of 540 when I opened an account with them and one time I had a payment returned and within a week my credit balance was $563 meaning I was on -$263. My score took a knock to the lowest of lows. This credit card is a business venture and not a way for you if you struggling to make ends meet! The customer service is run from India I presume so you won\u2019t get any help, if you eventually get someone on the line and you ask them too much they just hang up!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef0e64c5ca01475195c9814e6849fa8c
encoding: FLOAT32
metadata:
{"chroma:document": "After having a bankruptcy I was happy to get things moving along with a new credit card from Credit One. I tried to maintain perfect credit payments, but my attempts actually cost me in a big way. I wound up trying to pay my card off entirely each month, 2 payments reversed from my bank because it was in the overdraft zone. What happened next was my card was closed, my credit score sank to new lows and my life was thrown back into a place I don't wish anyone. I tried to explain the situation to Credit One, but they were not helpful and they blamed the bank. I paid my bill in full soon after. For 2 years I tried reapplying because this is the next card in the steps to rebuilding credit. I kept getting run around and error codes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12136f0409d7492089d6c994708572d9
encoding: FLOAT32
metadata:
{"chroma:document": "I had made online purchases. The purchase did not happen but was changed they still. Doing an investigation. Honey they close. Lost of money. Would not refer their service to my worst enemies. I have credit cards with Capital One online I love."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29a21a0f195f4ea9bf9831f12951bae9
encoding: FLOAT32
metadata:
{"chroma:document": "Instead of working with me to settle the account, customer service and management would rather send me to collections after the 180 days and I can make payment arrangements with a third party debt collector. No assistance offered to close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77784717890544c08eb8962a64aa1f13
encoding: FLOAT32
metadata:
{"chroma:document": "I threw away $297 to pay off the balance to buy a phone. I have enough to pay the charge. In 2 days $100 of the payment will be on the account. So $197 is not available to use for SEVEN DAYS. And even if I had $150 the spending limit is TEN PERCENT."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1c8e946f1674e22bf15c805082700dc
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank's phone support staff follow a script very closely. Deviating from it or asking for a manager will result in being put on hold, where each time I waited at least 10 minutes before terminating the call. If you have a problem with Credit One Bank, good luck either resolving it or closing your account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69d80232e941455a8e8ad718a5f52ec5
encoding: FLOAT32
metadata:
{"chroma:document": "So I signed up a few months ago and tried to setup monthly payments...NOT! So this month I was a day late after explaining I thought the minimum payment was automatic..NOT! I'm 80 years old and don't need this online crap or using my phone like a kid! So I made a monthly payment and can tell you now I am done with this ridiculous card! Oh and because I called today when I got the notice...$28 fee!! This should not be allowed in the world and I won't be a part of it! Lousy service with no way to set up an auto pay!! Oh yeah, I keeping this card...in the trash!!! BEWARE!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 550db1b8348d447082d50ae6537bdc3a
encoding: FLOAT32
metadata:
{"chroma:document": "No autopay. Applied twice for a credit line increase and have been denied but was offered a $1500 new line of credit. It doesn\u2019t make sense. If they can offer me a new line of credit of $1500 then why can\u2019t they increase my current account with them? None of the customer service representatives have an answer for this and I can\u2019t get anywhere with asking for a higher up. My current account has always been on time and my credit score is above the 700s and I still can\u2019t get a credit line increase on my current account. I don\u2019t want a new credit card with a new limit. If they can offer that then they can increase my current. I have had nothing but problems with Credit One in the few years I\u2019ve gone business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d440ae4bc864197b3445718a2a802c4
encoding: FLOAT32
metadata:
{"chroma:document": "This place is a scam. They never sent me a card. They said they sent it but it never showed, but the bill would show up. Had 2 or 3 replacement cards they said they sent. each time never showed but the bill would always show. Got a notice saying I had charged 300 and disputed it. They took it off and said they would send a replacement card. It never showed but the bill did with the original charges on it. Now it's in collections for 400 and I never received a card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbf431d376df4f91b5b4a41e90e728c6
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One charges INTEREST on PAYMENTS!! After making the payment for the annual fee, interest was charged as \"Interest charges on purchases.\" The \"purchase\" displayed was the PAYMENT for the ANNUAL FEE. This is patently wrong and possibly illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d01e18673304b498cc73aec076b998a
encoding: FLOAT32
metadata:
{"chroma:document": "I did not open the card with this company and they still trying to hold responsible for it. They won't take it off my credit. I'll advise nobody to go through this card company because they will mess up your credit and you did not even do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5de447a0b9624b8cb51fc8b139396f76
encoding: FLOAT32
metadata:
{"chroma:document": "This has to be by far the WORST credit card company I've ever experienced. I recently got a new credit card with them, with a small credit line of $300. I have higher credit lines that I have never missed a payment. After 1 month I paid $100. Since I was 10 days late because of an issue with my deposit, I get SIX PHONE CALLS every 15-30 minutes in 2 hours. At first I didn't even know it was them. They did not leave any voicemails until the 6th phone call. I called them back and expressed how disturbing and creepy it was to get called, and they explained to me that they do it (for my sake) so that they don't report me negatively to the credit bureau. Which is understandable, but then she wanted to social security number and personal info."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98f1f364005c4d03b6434dd1a751cad0
encoding: FLOAT32
metadata:
{"chroma:document": "Let me start by saying I am very thankful to Credit One for giving me the chance with no deposit on my initial card. I have had their card since December of 2019 and love it! I started with a $300 limit and used it wisely paying all fees on time and as of now have about 11 cards as they just approved me for $1500 on another card! I see many people complaining about fees and such, they make this VERY clear when you apply for the card. If you can't afford the fees...don't get the card. There are cards out there with no fees like the Capital One Secured Visa which is what I started on with a $250 deposit over a year ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29a4aba3faa44f748952cc7fef89d32b
encoding: FLOAT32
metadata:
{"chroma:document": "I knew there was an annual fee when I signed up. I planned on just paying for the first year and then cancelling before they charged me an annual fee for the second year. The customer service is terrible. It takes too long to get past the automated system because there is no clear route to ask for a human representative. There is actually no option to choose from if you wanted to cancel your card. I had to choose to make an express payment just to get to someone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4fbde0a5ad448508781d0d4be39299f
encoding: FLOAT32
metadata:
{"chroma:document": "My mistake was getting a credit card from a company that feeds on low income (disabled Vet) people by socking them with fees, penalties, and high interest. Stay away! They'll hurt your credit, Not help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e78cbdc1a4184009b1f667a8ec2cc961
encoding: FLOAT32
metadata:
{"chroma:document": "This co is shady! I lost my card that I pay my Credit One with so as a result that payment didn\u2019t go through. I didn\u2019t know. I found out a few days and paid double payment. They took it and still turned me over to collections! Never had bad credit. I\u2019m 63. They are still taking money and I\u2019m in collections! Looking for legal help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f08e933c7630470ba3132aaa00475855
encoding: FLOAT32
metadata:
{"chroma:document": "I don't have anything negative to say about Credit One, I've never had a problem with them, I love my card. Simple application process and my card came in the mail quickly. I've read a few bad reviews therefore I was skeptical but so far I've never had a problem with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a831a77bce5044f8ac4fb1f2ab020b25
encoding: FLOAT32
metadata:
{"chroma:document": "I am was approved for cc. After more than one year they suspend my account because they want to confirm my id. They approved two cc to me and they block two credit cards. One was $99 annual fee and they charge the annual fee. Later they block my account and refused refund the annual fee. I missed $140 for the two cards. I do not recommended deal with that bank. I never paid late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17b37f1b55184dd6a68274ae876e208f
encoding: FLOAT32
metadata:
{"chroma:document": "Overall the card helps me with my credit but I noticed the 1% cash back rewards are not computed accurately, and that shows bad faith in dealing business with them. I have shop at well known places and the customer rep tells me the merchant might not participate in the cash back rewards which is false and then when I do get cash back, it's not the right amount. Shop at Wal-Mart for $54 and Credit One gave me 25 cents back when it supposed to be 54 cents because that would be the 1% cash back, I hope other customers are not getting schemed from their inadequate cash back rewards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d00a46f93ac24e33a3ca0961f1f8facd
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with this company was never good. I was charged a late fee on my account AFTER I had already made a payment on the card. I called the service department and asked them to close the card. They offered to credit back the fee so I kept the account open. Within two months I called to close the card. Come to found out a month later the card was not showing as closed nor had they reported to the credit agencies. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea8e235063e44ca18e4f6c0a8da77d28
encoding: FLOAT32
metadata:
{"chroma:document": "I have used this credit card company to build credit. What a HUGE mistake! Customer service can be described as trying to deal with a box of rocks! They report to the credit bureaus that your payments are late when in fact they are not! I\u2019m still trying to get my credit back because of the incorrect information they reported; I have never missed a payment nor have I been late even through a year long pandemic! I\u2019m submitting this review for any individual within the sound of my words...DO NOT USE THIS COMPANY. YOU WILL REGRET IT!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34d1e4f5aa0a4ec987ead6300c177dfb
encoding: FLOAT32
metadata:
{"chroma:document": "It's a scam. Yes, they'll send a card to get you started and they charge $9.72 per month and then another $35 yearly. Not even using the card. Be late one day with your $9.72 and get hit with $35 late fee. Try to get a human on the phone? Impossible. I had to get a lawyer to send a letter to cancel the account. It's a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a82fdfb2344e4eeeb61ade08285b6be0
encoding: FLOAT32
metadata:
{"chroma:document": "Interest rate is astronomical and never changes. Payments take over a week to reflect in available credit, unless you make an \"express\" payment with an additional fee of $10. Annual Fee for a bare minimum card. No features or any sort of perks. Customer service has no sympathy and refuses to ever waive the annual fee as a courtesy, even once. No option for Credit line increases, either automatically or options to apply for CLI. Even then, if there is one offered, there is a FEE to increase the credit line."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfc25232115c4072a3605cc826e8f1c7
encoding: FLOAT32
metadata:
{"chroma:document": "I was issued a Credit One card 11/20. I used the card and paid the bill in full month account, was closed by credit grantor and they still have my credit report as me overdrawn and or owing a considerable amount of money. The bill was paid in full over 2 months ago!!! Do not use this bank. It caused my credit score to decrease 32 points and I paid my bill in full early!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e90ec670edd45e98147a6ca00710895
encoding: FLOAT32
metadata:
{"chroma:document": "If you can, go with another company! Payments take forever to post! It is RIDICULOUS to have a payment post anywhere from 5-9 days on your account.  As of today I have a balance showing $148.01, available credit of only $51.00!! Yet my payment has been pending for 6days...6 days! This payment WAS NOT from a checking account, as is the excuse they use, but from the same card I always use. This is the normal from them, an excuse to collect more interest from you. STAY AWAY!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84f561e505f14dcab2f90f9a0cba6b03
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for a year and a half. Never missed a payment and always keep my balance very low. I have also rebuilt my credit from a dismal 525 up to a 660. Today I call to ask for a credit line increase from the miserable $300 that I started with, Only to be denied. This card is worthless to me. If I weren't afraid of what would happen to my credit score, I would cancel it now!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66c6583e07804414a9ffba26be851416
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One sucks. Will never recommend anyone get their credit card. I have it and have tried several times to get a new card issued due to being broke and all I get is excuses and the runaround to never get a new card issued or solve any problems."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a676fa3391d1450199e0b2702e6d89ac
encoding: FLOAT32
metadata:
{"chroma:document": "I made the mistake of making 3 payments to my account in 1 billing cycle. I wanted to keep balance low. I was never informed that I could not make more than 2 payments per cycle. My account was frozen and I could not use it. Very embarrassing when I went to use it and it came up... declined. Do not accept... Wow. I called them and was told I had a suspicious payment and I needed to send a copy of my bank statement to verify the payment was legitimate. I must not have gotten it to them in time because they then closed my account!! I got it reinstated however my credit score went down 11 points."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: faef5295f3914aa7965aa5ec163d36cf
encoding: FLOAT32
metadata:
{"chroma:document": "I called regarding a no delivered card twice. The 2nd time I was told I was lying, about the address because they had a different one on file. I had already received other mail about the account to the address the card was supposed to arrive to with the correct address on the form. The rep again said I was lying and will now be making me wait a whole extra month to get a card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c3d0eada71d453bb31adf80381e55fe
encoding: FLOAT32
metadata:
{"chroma:document": "I just wanted to let you know that I have been a Credit One card holder since 9/2017 and I never agreed to be a part of their \"Credit Protection\" plan, yet they decided to add me anyway. I am not a statement reader and this is why I didn't notice it, until after almost 3 years of being a card holder. On 2/21/21, I noticed a Credit Protection charge and when I contacted Credit One, they said they could only give me a credit for 3 months, to something I never agreed to in the first place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a332c1fd6a24ce9899a5305168ee9a9
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a joke. They didn\u2019t properly activate my first card, then sent me a replacement and charged me the annual fee twice. I paid one fee, they dropped the other. Then they blew up my phone saying I didn\u2019t pay the fee and now there is a late fee, DOUBLING the amount due. I have NEVER USED THE CARD but owe the $80! After four phone calls and an hour of my time they finally waived the late fee and credited back the annual fee, but never even acknowledged that they had misapplied the money I already gave them. Now I have to wait another 48 hours for all the refunding the woman did this morning before I can cancel the account. I\u2019ll keep my fingers crossed because it seems their sole purpose is to not let you cancel their card and keep just charging fees. High rate, low limit, huge annual fee, and crappy accounting and customer service practices. Just don\u2019t do it. Get a different card from a better company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd22f0f14a944554bd12f87531b494fa
encoding: FLOAT32
metadata:
{"chroma:document": "I make payments often, after I use my card so it will stay update. You are only allow 5 express payments and standard payments online in a month time. If you want to make an express payment you will need to use Western Union or MoneyGram. So I talk with a rep about if the day before, and they only posted one of the payment. So I call and spoke with 3 different people and they advise me nothing could be done until Monday. I am out of town stranded because I sent my money to put on my credit card and now I have nowhere to stay. I tried to get western union to cancel the payment and they advise me the credit card company would have to cancel it back. This is so sad that they know the money is there but, since they have no one on the weekends to process the payment, I will need to wait until Monday. So I have to find a way to get back home. This is so crazy. Please be careful about making urgent payments, that you pay extra for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7acb256c4a924a4da60d5419cf3fb899
encoding: FLOAT32
metadata:
{"chroma:document": "Never do business with this shady credit company again. Your employees lack empathy, don\u2019t contact any one to say, \"Hey by the way I saw that ...\" then me as the customers would of explain, \"What was going was in the hospital and changed banks and must of forgot to update the information with you.\" Instead of informing the customer who might be a little occupied with their health and 2 deaths within 3 weeks of each other and I could of made the payment over the phone, like Capital One who called me, Mid America called and even the cable company called because although some payments maybe late by a day or so the payment has always gone through, but no employee try to ask what happened or try to work with you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e22a648331b64a5d86e575fb6bf4975f
encoding: FLOAT32
metadata:
{"chroma:document": "I have two cards from Credit One and they were working out ok. They have ALWAYS been difficult to get help in any situation. This time has been a nightmare. I made the mistake of paying twice in a month... they don't like that. They put a hold on my card until I called them when I realized it would not work. My accounts have always been in good standing! Not late pay more than my minimum so for my card to be on hold I was a little ticked. I called three times before I could get any help. That was when I was told I should only make 1 payment a month. So how do I fix it? I had to send a copy of my bank statement showing each payment in separate emails because I made them on different days, same month just two different days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2af0c4a0ac34cbf8012cd2371b8898b
encoding: FLOAT32
metadata:
{"chroma:document": "I have paid monthly fees for this card for years!! Hundreds of dollars over years. Today, for the first time in years I needed to use the card for an emergency -- vet emergency for my dying cat -- and because my $25.66 \"fee\" is a 10 days late and I chose to make a \"standard\" payment instead of an \"express\" payment, they've declined to pay my vet bill. I've kept this card, despite the high monthly fees, for emergencies and to help build my credit. Absolutely NOT WORTH it. Wish I had paid more attention to the reviews and complaints before signing up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98fb35f91574407c8795fb2a2d0bcd3d
encoding: FLOAT32
metadata:
{"chroma:document": "I got my card and was extremely excited. I made my payments on time but noticed my other cards gave me increases. I talked to the bank and time after time was turned down. I will not be a cash cow for anyone!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a8eb48d6aa1449f8502e220419f56ea
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m going to mail their card back them and have them sign for the card back to show them this will reach them within a few days like my 1st payment did in November. I feel this business is shady, unethical, uses trickery, and I don\u2019t need them and reminded them they need me. They decided to be bullies and not post my payment. I take photos of the outside of the postmarked envelope in which I mail my money order. They tried getting even further express payment fees, NOT happening. They also wanted to see if I would give them access to my other accounts for payments, NOT happening! They received any posted my first payment within 3 business days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1ecd73d608e43619417a494055f50fc
encoding: FLOAT32
metadata:
{"chroma:document": "Be careful when signing up. Chances are they will give you a credit card no matter what. You may get a $300 credit line. The fine print will say that they will charge you for a annual fee for $75 and chances are you will miss that. So right off the back you will be charged for 25% of your credit line. The interest is insane and you will be hit with it no matter what. DON'T sign up for a card. You are better off without it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09505786b5984952a1d78c032bfdb0f5
encoding: FLOAT32
metadata:
{"chroma:document": "My initial payment was $30 on an $81 balance. The due date was 1/14 and I made the payment on 1/7. I got a notification on 1/12 that my payment was returned without explanation. I checked my account to make sure there were sufficient fees, as I rarely carry a balance under $500 in that checking account. The fees were there, and every other transaction I made that day and since had gone through. What\u2019s more, the money was never charged or returned. So while it may have been an error, if my first payment to a company is the only returned transaction I\u2019ve had in years? I'm not comfortable with their standards. I called customer service and got no clear answer on why the payment was returned. I stated that if pay off the balance and to close my account immediately, as I won't be subjected to a $9 instant payment to avoid late fees when I paid a week in advance and wasn't notified until the last minute."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d8ea52b38c34a6b9925121e6b771bb0
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{"chroma:document": "Signed up for the credit card and in 3 months they cancel my card for late payments. First off their payment methods are stupid. They charge $10 to make a payment right away or you can make a regular payment that takes several days to process. On top of that they will call you 10 times a day, even after I talked to someone they still call. Horrible bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3de151868e79457096bddb2750bd6e68
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Credit One card since June 2020. Since becoming a customer I have always paid my balance due in full every month, but one. That one time was my November payment, which happened to be the first time I was late due to the way payments are processed. I say process, but usually, that implies the customer knows how it works. Credit One does whatever they want in that regard. Let's explain."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7ff97c095ca44edb991b834f0378207
encoding: FLOAT32
metadata:
{"chroma:document": "Well I was with Credit One Bank in the past. They gave me a chance. Then later on the account was closed due to hard times. But this year I applied and got a approval of $400. Then the next month was given a increase of $500  I am so grateful for this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edbffdee9fa2421c8b36f9072139164a
encoding: FLOAT32
metadata:
{"chroma:document": "I closed my mom's account in Feb 2020. She has not used the card. There are no statements on the account until July 2020 stating a zero balance. Then another statement in October stating zero balance. Then in November there is a statement for a annual fee. We had closed the account. Then in December a bill for late fee... I called them today and they said the account was never closed! After talking to 6 representatives I finally got it resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2917405d3eda49699da61f5a4db5fc77
encoding: FLOAT32
metadata:
{"chroma:document": "Got approved for a card and 60 days later, I have yet to receive my card. Customer service reps barely speak English and are very rude! I had to cancel the previous two cards due to the fact that they were never delivered. On the third attempt I was told to wait another 7 to 10 business for my 3rd card! Would NOT recommend this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e9f0186b47746e9ab85b2e0818380cf
encoding: FLOAT32
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{"chroma:document": "It is important as a consumer to know facts and be able to make informed decisions before starting a relationship with a creditor. I opened a card with credit one bank to build my credit back in January 2018 I have never been late until I lost my job during a pandemic. I was on auto-pay and the withdrawal occurred before I could adjust the autopay. Actually it hit my bank twice, in one week."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 157a4bcf0852483e823a1939619d0c27
encoding: FLOAT32
metadata:
{"chroma:document": "I have cancel credit card in September 2019. They reopen my account back up without my permission. I have never used their card. I have told them over the phone to close my account. Credit One Bank are Scammers!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 609fb3291d8d4d878dde899177a5a6ab
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019d been trying to rebuild my credit like most credit one customers (were not customers to this company, simply dollar signs, the word customer infers we be appreciated in some way and shows a little respect as such) first of all I'll say that I appreciated this company taking a chance on me and my less than perfect credit score when giving me a credit card. That being said, they are a business they need to make money. And so I could look past the high fees, which keep their annuals up, the activation fees which show a customer who doesn\u2019t usually pay their bills is ready to pay something before getting anything, and not I could simply not care about the interest rate on a card with a few hundred dollar limit as I intended to pay it off each month (which I did) in order to build my credit score as quick as I could. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94d62346522748bfb4e125f22a205ab6
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account with Credit One about 6 1/2 years ago to build my credit back up. In that time I never missed a payment. The fees are high and obviously so is the interest rate but I never complained about it. Well this past weekend I made a purchase and the invoice that was sent had the wrong products on it. I tried to contact the retailer multiple times by phone, email, and even on Facebook but I received no response. Naturally I called my credit card company whose card I made the purchase with and explained the situation. I was told that since the charge is pending there is nothing they could do and that I would need to file a dispute once the charge goes through. I explained that the charge is no longer authorized because the items listed are not correct and that I have no way to contact the seller."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 078f4b4f063d44c5aee99fc74b1fa0c4
encoding: FLOAT32
metadata:
{"chroma:document": "I received a card from Credit one and the credit limit they said would be 500 and it was 300... I paid the 39.00 fee then asked for another authorized user... They charged me 19.00. Later they then locked the card saying I was under investigation... I couldn't even use the card...then I couldn't make a payment because of the investigation...then charged me a late fee...so I got a call that they locked and basically now I am out of 80.00 because I had to shut the card down... Wow. Beware of this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08d57936c8424860ac646bf47b54c150
encoding: FLOAT32
metadata:
{"chroma:document": "I've been trying to get the card I was approved for in September. It's now December and they still claim they have not received my verification after 5 times mailing (within my same state) my personal verifying documents!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e0d491b27b84c25835a34b5fd14777e
encoding: FLOAT32
metadata:
{"chroma:document": "I been doing business with this company 2 or 3 years. Don\u2019t trust this card. I Learn the the hard way. I paid a $166.66 this month to pay them off and still charge me. $10. 67 this month still. What\u2019s $10.67 for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0acf551f4b6a4e9c8786b01028d08dc9
encoding: FLOAT32
metadata:
{"chroma:document": "I used card one month. Paid immediately $270, $224 etc. But after several paid off transactions, 10 days before end of cycle, the paying card become impossible: \u201cYour bank is not verified\u201d. How?? Yesterday I paid $200 from same bank, week ago $220 etc. I believe, it is the way to get interest \"Did not paid card fully\". I closed card and will not deal with Credit One bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bab10a088d7e4dcca2054ce5fdeec873
encoding: FLOAT32
metadata:
{"chroma:document": "I write this after me and my dad applied within minutes of each other and I have screenshots of results. We both applied for the lowest amount card ($300) as we are struggling to get by. We both admitted to bad credit but how much credit do you need to get $300 when you are hungry and broke? Our denials came back with the exact same credit score (which is a flat-out lie) and the reasoning was the same. In the same order and the same excuse. Word for word! How does such greed help anyone???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2892dcb0ff8c4b208f382258e90ee33a
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is the worst bank ever! Their customer service is terrible! They outsource to foreign countries and those Customer service reps read a script and provide false ID numbers. I had fraud happened on my card and they blamed me for it and tried to accuse me of participating in fraud which I never did. So I complain to the comptroller of the currency where I have a claim now. This agency has contacted me and asked me to provide more information on this company and their unlawful practices. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1363adf3262a4204be882026144c6b84
encoding: FLOAT32
metadata:
{"chroma:document": "Had to call two months in a row because they did not send me a bill, but sent me a late email. First time I was told they did not have my correct address. They had it when they sent previous statements. Second time I was told a hold had been put on my statement so it was not sent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0df515ee8bc7400eae6537ef082328ed
encoding: FLOAT32
metadata:
{"chroma:document": "Please read the fine print because there is a fee for absolutely everything when it comes to this card. Even if you make a payment on the due date there is still a fee if it's not paid by 5pm. How do every day working people remember to pay by that cut-off time. You can even pay rent online after hours without incurring a fee. Wow, is all I can say. This card is definitely not worth keeping. To the trash it goes!!!! MISTAKE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97828798956043598ffb26de882c8f57
encoding: FLOAT32
metadata:
{"chroma:document": "When they say you are pre-qualified, they really mean they are out to take advantage of anyone willing to apply. Charging $100+ before your your first purchase. Sad. They only list this in 5 page tiny print. Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a859bddfe1c4f528bb68b40c97fc089
encoding: FLOAT32
metadata:
{"chroma:document": "We made three payments in one month so they froze my card. They said I needed to prove I made the payment. My bank tried for days to fax documents showing we indeed made the payments. Now they have closed my account and want the balance paid off. The customer service was horrendous. Every time we were transferred I had to give my information again. Now they have even made it so we can not pay the small balance off over the online system we were using. The payments came from the same account every single time. They don\u2019t even deserve one star."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be6e1e5ea3ee43b9b131735dafdbcbe9
encoding: FLOAT32
metadata:
{"chroma:document": "I have had 2 different cards with this company since 2013. I simply maintain the these cards because I have a son in college 9 hours away who uses one of these cards for all of his needs. I do this so I can continue to monitor and control his spending. I make multiple payments a month to this card and have done so for a while now. And all of the payments always come from the same bank and account. My son tried to use the card this morning but learned that it was blocked. When I spoke to customer service they told me that my last payment was flagged as possible fraud even though it fell within the same frequency as past payments and from the same bank account. They then said the only way to remove the block was to provide a bank statement with my name on it and that within 7 to 10 business days the block would be removed. It does neither myself or my son any good 7 TO 10 BUSINESS DAYS FROM NOW!!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab7f930264114a42b31750e4a9353cb3
encoding: FLOAT32
metadata:
{"chroma:document": "I have made so many attempts at setting this card up online for payments to now have read 100's can't and it's impossible to pay on time. This is by far the hardest company to contact or get anything corrected. Thousands of bad reviews all over the internet and I didn't do my homework before getting this card. Getting rid of this ASAP and staying with the better companies. Please don't get this card and make your life miserable. My wife just told me she had the same experience and it was a nightmare."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 740b572feb4640f0a3964da5672e465a
encoding: FLOAT32
metadata:
{"chroma:document": "I call Credit One this morning trying to head off a problem. I asked him I never have been late, always paid more than my minimum amount a month. I asked him, \"Can you waive this month due to the pandemic because how I get my unemployment check.\" My bill is due November 20th. I called him trying to get a little help and they refuse to help me. They have always did this to their good customer. I recommend anyone to think twice about credit one. They say they help you with your credit but that's a flaw if you help somebody with the credit and you never call you for help what you going to think if they can't pay you going to have bad credit. These guys are something else. I don't refer anybody getting this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fd9bec8841243b9a33900bc5806f137
encoding: FLOAT32
metadata:
{"chroma:document": "After establishing good credit, I decided to cancel both of my Credit One cards. They were totally paid off yet every month they were charging me $5.00 on one card, after I paid the $39.00 annual fee and $9.00 on the other card. A root canal is less painful than trying to get through to these people. They give no options on the main menu for talking to customer service, when you finally hit the magic button, you can tell it's an outsourced call center."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 895bee6f121d4d3f89c04503b1574402
encoding: FLOAT32
metadata:
{"chroma:document": "They are really on the ball. Their fraud prevention people are the best. They stopped a company from charging over $80.00 I did not authorize after saying they would send a full size product. If I paid only shipping and handling to get my payment information. I am a sucker for a sample, of almost anything in the wee hours of the morning."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5125763479ad470ea66e2a31518f6e20
encoding: FLOAT32
metadata:
{"chroma:document": "Do not do business with Credit One at all. They suck. Their credit card service is terrible. I was charged for an annual fee for having an additional user then charged me a late fee and got a past due amount. Their customer service is so bad. They do not speak English well enough to help you. I cancelled both cards. How do you file a complaint against them? I was on hold for 30 minutes. No email to send in to anyplace. I was told they could have auto payment set up and it did not work. ** terrible. STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b24613f7e68e416fa5d86a5a1e680b77
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Credit One for 3 + years now and the highest my credit limit has reached is $950 due to the periodic automatic credit increases. Before today, I've had yet to initiate a credit limit increase on my own, so this evening I thought I'd be random and request a credit limit increase. Mind you, I have relatively \"good\" credit (700+ credit score with all 3 bureaus) and my balance is sitting pretty at $7, as I like to pay off my balance every month. I received an automatic denial.... Hmmm I wondered why??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc4f54a8c0384881a1c8974f861c704f
encoding: FLOAT32
metadata:
{"chroma:document": "I applied and was accepted for a Credit One card. After 3 weeks, I had still not received the card yet had received a bill for the annual fee. I made 3 separate calls to customer service and was promised the card was on its way. I cancelled this card due to why would I pay a bill on an account for a card I never received??? Crazy and the fees are too high. They're taking advantage of people with lower credit scores, not helping!!! The card finally came 3 weeks after I cancelled it which means a 2nd payment would've almost been due at this time. Glad I cancelled even though it lowered my credit score to do that. Wait to it credit is good enough for a legit card is my recommendation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4bd57c04c0b449db9ce1f5c0f834851
encoding: FLOAT32
metadata:
{"chroma:document": "So Credit One does not have auto deduct. You have to remember each month they will send you a reminder after you are past due. Then there is a $29.00 fee for being late and the a $9.00 fee to make the late payment. Bad card company. I just transferred money into my checking account to pay the balance and will close my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67e50ab146f7455aa8af34ac1d20cdf9
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is cruel and heartless. Do NOT be fooled or be a sucker that 'they're there when you need them.' My nephew got a CreditOne bank card. He was making small purchases and kept up with his payments. Then he had a stroke. CreditOne added a $30/late fee the first month. Because he had had a severe stroke and couldn't even go online, he got a late fee the next month of $39. Each month it was $39 'til his balance was in the hundreds. While other banks were offering him hardship payment terms (especially during this period of Covid-19) and reversing late fees and interest and arranging reduced payments, which he was keeping up with, this bank would not. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5206ffeb1c5c4b20b5aa5327396e46e9
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank erroneously withdrew $40 from my bank on 10/1, as a duplicate payment, so my bank put a stop payment on the transaction because I caught it the same day. Then they put 2 returned payments on my account, again in error. I had to phone in on 10/1, 10/5, 10/8, 10/10, and 10/12, speaking with numerous people including \u201cupper management\u201d to get this resolved. On 10/13, they finally fixed my account and credited it an extra $5 for my troubles."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c5d04345d4a4bcdaa7a2a82704f5849
encoding: FLOAT32
metadata:
{"chroma:document": "Received a pre approval letter in the mail and stupidly accepted it. Getting the card was easy and took about 14 days to receive. Interest rate is very high and the annual fee comes directly off your balance once activated. You have a bill and already in debt before you ever swipe it. I kept the card anyways and used it some. Always paid on time and at least double the minimum payment. Last month I used my girlfriend's bank account to make the payment. Received the confirmation email."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3883599776849d7bc96508f4346e45c
encoding: FLOAT32
metadata:
{"chroma:document": "For almost a year I could not access my credit card online, however they kept insisting in my making payments. I wanted to be able to see my account because for some reason, other than my choice, I didn't get paper statements either as requested. They suspended my account. They kept saying they unlocked it but it still isn't accessible. I called so many times to count, only to keep having to talk to someone who couldn't speak very good English (although very nice), which only added to my aggravation because I couldn't understand him and when I asked for someone else out was the same thing. To date, still unresolved. I've done my part to make sure it's paid but I don't dare use this card again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebcd8a4ff3ee4f948bbf23d8827a855c
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metadata:
{"chroma:document": "Enrolled in e-statements, all of a sudden I stopped getting them. I called, no one could help me. Then I got a message to verify my bank account - that had been verified and was the one I had been using since I got my Credit One card. This company clearly does not care at all about customers or how their policies (only make one payment every 30 days, reverify your already verified account every so often but they don't tell you when etc.) impact their customers. There are many, many other credit cards available that help people build credit. Please use one of those. Yes, I've filed complaints with the BBB as well as here. This company does not deserve anyone's business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a26304155ad48f8aab48ed5c5d5ea1a
encoding: FLOAT32
metadata:
{"chroma:document": "I experienced truly awful customer service and breach of contract. I strongly recommend against doing business with Credit One Bank. I accepted a pre approved offer from Credit One several years ago, and implore others not to make the same mistake. Credit One did not provide the promised regular credit line increases despite my perfect payment history, excellent credit and more than adequate income stream. Most recently, Credit One breached their contract by failing to credit a cash back reward for a gasoline purchase. Customer service initially said they would correct the error, then when I called to follow up they insisted that the charge was not from an accepted merchant. Gasoline charges are covered on a class basis in the contract, the merchant classification applies only to grocery purchases. Customer service was only interested in refusing my valid claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c09d42409b12436884e4b963036eeab0
encoding: FLOAT32
metadata:
{"chroma:document": "This company has had computer glitches twice this month, the payments that you have made were doubled then they took back but on a payment return still charged you $25 extra at the end of the statement. This not only made my checking account negative in the bank charged me but then Credit One also charged me $25 power return transaction because of their error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8eb589193d004f6d8743815eef119148
encoding: FLOAT32
metadata:
{"chroma:document": "I read a lot of reviews when deciding to apply for this card. Most of them were negative. I read that if you make multiple payments in a month they give you a hassle. Not true, I make 2-4 payments a month usually paying in full each time, never had a issue. I read payments do not post on time, not true, they post the same day made. Although the available credit sometimes takes 2-3 days to become available that was never a problem for me as we got this card to build credit not to live off of. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e1c0991d4d24c9aa922aa69fe91d244
encoding: FLOAT32
metadata:
{"chroma:document": "I have been paying off my 2 credit one cards at the rate of 100.00 per week. They are almost paid off. Credit One will not let me make any more payments until they verify my account by depositing and then withdrawing from same account that payments are drawn from. This will take up to a week for some STUPID reason!!! I want to pay my cards off and THEY WONT LET ME! GOTTA KERP THST INTEREST GOING!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2247b5ae3d794b909adaa68502dfb274
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my Credit One credit card for years & it was recently compromised from fraud charges overseas. I immediately responded to the text message to decline the charge and found that there were two other pending charges. When I called customer service she didn't even know to transfer me to fraud. She was telling me to dispute the merchant. Because I work for a bank I knew the procedure & that Visa has a zero liability for their consumers. Once I spoke to fraud they told me they were filing the charge against the pending transactions but never even filed the claim! I spent ten days talking to customer service reps who had NO CLUE how to dispute fraud! All they kept saying is my systems are down and \"I'll transfer you to my manager\". Then the manager would say, \"My system is down and I'll transfer you to my manager\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c62af66c75794beb9807354002ca1b40
encoding: FLOAT32
metadata:
{"chroma:document": "I got two Credit One credit cards and it was helpful with building my credit. There is a $8.00 fee along with interest charges each month. After about year I applied for a CC through my bank and decided to pay off these two CC. First of all it took almost two weeks to apply my payment. So naturally the monthly fee and interest charges accrued. I was finally able to get a hold of someone today (phone lines were down last week along with most days their website was down as well). I wanted to pay off my low balances and close my account. He took my money right away and just before he submitted the payment he told me there is a $9.95 processing fee per card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fb88d58de3145528369e1e2179e08f2
encoding: FLOAT32
metadata:
{"chroma:document": "After I paid, it showed on my credit. Soon as I used the card the next 3 days, my credit dropped. The card reported what I had used 3 days after paying in full. I\u2019m closing my account. It ruins credit!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef54b041cc0b457480c4315629d1e8a5
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank to deal with--website down a lot. Customer service number tells you high call volume and tells you to call back another time... Can't pay my bill!! Been trying now for for 12 days... just a bad bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94dc2546f7e245df96fe526007954b63
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my credit card and my annual fee. I received a bill a few months later for an annual fee that was less than the one I paid earlier. I was confused about the charge. Someone called and said my payment was late. I was told the balance was for the annual fee that is being charged monthly in the amount of $8. That's $96 a year for a card I don't use. Clearly, Credit One doesn't want members to pay off the card. I said I wanted to cancel it and was told they were having technical problems and I would have to call another time to cancel. I called and no one answered the call. I'll keep trying and send a certified letter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64d20cd1eb174bbdb063689625562395
encoding: FLOAT32
metadata:
{"chroma:document": "I have two accounts that I use to make payments, one is PayPal and the other is Chase. They close my account without warning after payment through Paypal was denied. I called to make the payment with my Chase account once is the account I usually used to make other payments so they knew it was a good account and they was unwilling to work with me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e79c1eefb1c46d58c29c8960c2f70be
encoding: FLOAT32
metadata:
{"chroma:document": "For the past 2 weeks I have been unable to log into my account to pay my bill. Neither the app or website work. I have tried calling 3 numbers and all are answered with a recording saying they are down for system maintenance and to visit their website. There are complaints all over the internet and on their social media accounts regarding these issues. Whatever you do stay away from them because they are going to ruin your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 072ff0b33adb4e25a005e25b14efa8b6
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an Account, I set it up in the mobile app. I used my card. I made three payments to my card. I went to look at my available credit and my account was closed. So I called them, tell them what\u2019s happening. They told me they closed my account because my bank was fake. So I asked them if they tried reaching out to me to confirm my bank information, in which case I entered it wrong. They said they did not. That they just closed my account. That I need to pay off my total credit card balance and that it would remain closed. So, Instead of these idiots calling me to confirm my account number for my bank, they close my account. My credit dropped 56 points because of this. Meanwhile, all they literally had to do as customer service representatives, was call me!! Idiots."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d87cdf864f204e6ea72007d61445846a
encoding: FLOAT32
metadata:
{"chroma:document": "Paid my bill with my debit card and the next day I was charged again for the same amount. Three calls were made and nothing accomplished. Can\u2019t get a supervisor to call me back. This happened in June and my bank paid it. These people are a joke, so don\u2019t do business with these crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2983be1f37cf4c7689357b2cf0880147
encoding: FLOAT32
metadata:
{"chroma:document": "They allowed me to make a charge that exceeded my limit by $1 and then sent a negative review to the credit agency despite my paying the balance in full each month. They also charged $25 for replacement card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b2856c7ebaa4491aabd929dc3b04a8d
encoding: FLOAT32
metadata:
{"chroma:document": "Lousy customer service, high fees, high interest rate, a full week to post a payment (unless you pay $10 every month--not required on any other card I have.) You do NOT charge a customer to post your payment. Scam, big time. I applied for this card to get over a temporary hump. I'm dumping it by the end of the year. Yes, low credit limit, but that's all I needed at the time. I've gotten now 4 emails with my available credit, and card is still getting declined--the most aggravating is that I'm trying to pay my monthly cell phone bill. Declined, despite the auto-emails saying I can cover it. So my phone is off. Won't trust that bill to this janky card anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ad0126bf9e1417aa26df7797f47fa7c
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get a Credit One credit card. The company is awful. They keep locking your card and not notifying you then takes 7-14 business days to get it unlocked through the fraud department. Twice in 2 months from the same bank. Avoid this useless company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a7a5d931c5c4fa0b46e32398c5e2635
encoding: FLOAT32
metadata:
{"chroma:document": "While understanding that the card is for rebuilding, it is a terrible company to do business with, as they charge you for making your credit become available once you pay. That in and of itself should force consumers to look elsewhere. In addition to the aforementioned, you're still paying interest with or without paying early. You'll always pay interest with this card. This message is an attempt to bankrupt the bank so they no longer have any business. Consumers don't appreciate companies like this who prey on the weak just so they can gain extra money and incentive because a consumer happens to be in a temporary position of bad standing. In fact, businesses should never run this way, because this is what the business will get in return."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29301d91f9f24c238b868a98743a9b0a
encoding: FLOAT32
metadata:
{"chroma:document": "They will give you a card, but the customer service is horrible. Sometimes they get mean with you and none of them speak English well at all. I would advise anyone not to get a card with them unless you have no choice. They will give you a card just to hound you and add more fees on than anything I have ever seen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a454a7722c5446b936030e1ff7a6aed
encoding: FLOAT32
metadata:
{"chroma:document": "I'm making my payments and then I have to repay and this morning my account was closed when I have been doing everything they have asked on my end. They won't work with me. They just up and put my account in closing. I have get a letter from my bank to keep my account open. I just closed it. They have very unprofessional customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 416917f97d2e4c769784c1660accb241
encoding: FLOAT32
metadata:
{"chroma:document": "Interest is charged FROM THE DAY a purchase is made; they don't wait until you carry a balance. THAT INCLUDES THE ANNUAL FEE. This basically cancels out the 1% cashback you get. After the first year, they charge the annual fee in 12 monthly segments so as to maximize interest charged unless you request the fee be charged all at once. PAY IT IMMEDIATELY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cd626ac66394074aa81ee52ce4b8adf
encoding: FLOAT32
metadata:
{"chroma:document": "I will state that before my poor experience, C1 was an adequate card company. However, after numerous security breaches into my account and their inability to help me fix it I would never recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8091e8fc5ec14a259c749dd9dc07a3e3
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is sending me a bill every month saying I owe them money when I never received or ever even activated a credit card from credit one bank. This is ridiculous and insane that I get a bill in the mail every other month that says I owe money to them but clearly I don't even have a credit card through them. They're charging me for a credit card that I don't have or even have and was never sent to me. Something needs to be done with this company because they're a scam and want money from people even when you don't have a credit card through them. This company is not even accredited at all so something needs to be done ASAP please."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1ab2d94bb604849bb068e19cd2a7aca
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card to improve my credit and it came with a high price. They will charge you for every little thing. I was done and closed my accounts when they wanted 50 dollars just to get my name changed to my married name on two cards. Twenty five apiece and with my annual fee coming up it was time to pay them off and close my accounts. They also make this extremely difficult by having to write them a letter, stamp and envelope then sit and wait. I did get them closed and moved on to better cards. Don't ever lose your card. That will cost you along with many other fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50fb97fff824420faa44cd14fdd8d6af
encoding: FLOAT32
metadata:
{"chroma:document": "Back in 4/2016 I got this card. I also thought this card was from Capital One same symbol and everything. Got the card for a promotional offer. \"0% for 6 months, no interest, no fees\" the rep told me. I got my first statement before I even charged anything and I was charged $75.00. I called numerous times and finally got a supervisor and he said he would remove it which he never did. No one speaks good English and they are very hard to understand. I made monthly payments and kept getting late fees and interest. When I try to call I was always put on hold for over 1/2 hour and then the call was disconnected. My total purchases was $169. I paid $85 and on my 6 month of the promo my account was frozen so I could not make any more payments. I am now being sued for $600. There has to be a law firm that can help all of us out here. This almost the same horrible nightmare!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be9bbdd6fdce4b1d8f765742ea760a40
encoding: FLOAT32
metadata:
{"chroma:document": "By far the worst credit card and credit card experience I have ever had. Surprise fees everywhere, terrible customer service, unbelievable late fees, annual fees, very low credit line, high interest, duplicate payments, not able to make automatic minimum payments, hidden statements, a $10 fee just to make a payment! I could go on. This whole operation honestly feels like a scam. Just a truly miserable experience, and lost so much money for absolutely nothing. If I could file some sort of complain I would. Stealing money from those who can least afford it. Abhorrent. Please, do yourself a favor and *do not* open a card with Credit One if you have a choice. It is absolutely not worth the stress, time, money, and hassle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0e8027cd7834d63b3bbd37b1c2d43a8
encoding: FLOAT32
metadata:
{"chroma:document": "I received the card, used it, went in and entered the same bank account information I have entered for many other sites, make payment, get confirmation and print it, then days later get email saying payment didn't go through. (There is the option to pay with your debit card, but that costs an extra $9.99). So, maybe I made a mistake, NOPE, same thing, payment confirmation, applied to account, then email saying it didn't go through. \"OH, you have to use bank account information (which as I said, I have used to pay other bills online),\" but using the debit card attached to your bank is the $9.99 fee. Way to go. Huh, paying it off, breaking it up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25fac7279a714e8f812afbd9c1b0f4ef
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for a CAPITAL ONE credit card that would offer me a credit increase after 5 months of on time payments. Well after 5 months of on time payments, CREDIT ONE (with their identical logo) sent me an offer that would have screwed me had I not called and realized it was a different bank. How did they know about the 5 month increase from my actual bank, and why are they purposely imitating Capital One? A Google search quickly made me realize I\u2019m not alone here. They need to change their logo, and find a better way to earn their customers. This is a scam to trick you into switching banks and allowing them to reap the benefits. I will never recommend this bank to anyone thanks to this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53d9833d1ab64c32b9f31db50e151a74
encoding: FLOAT32
metadata:
{"chroma:document": "First of all they try to trick you by thinking you are applying for Capital One. Then you get a card that has a ton of random fees. I called to cancel the card. Few months later I get a statement with a balance of random fees. Took 2 hours and 5 phone calls to try to get it resolved. DON'T WASTE YOUR TIME AND MONEY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 140ad42708134e04b74d84d9e2f66c95
encoding: FLOAT32
metadata:
{"chroma:document": "I have two cards with these crooks! One for $2250 and $500. First issue #1: I paid off my $500 card and decided not to use it because I wanted available credit from all my cards that I have for higher credit ratio. After a year of having my card they began charging $5 monthly for their annual fee. Mind you I had a \u201c0\u201d balance. I called and asked if they could charge it as a one time fee so I wouldn\u2019t have a balance and they said they couldn\u2019t it had to be monthly.. What!! Because of this I would always hold a balance with these ridiculous scammers!! Issue #2: Their scoring is crazy wrong. I mean not 5 or 10 points off. I mean 60-100 points off. I went to each of the bureaus site and got my score and credit one was off tremendously!! I\u2019m not sure what system they use, but it\u2019s totally inaccurate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26f7f16ad4ef447fb5df008b92cdd1ff
encoding: FLOAT32
metadata:
{"chroma:document": "Higher fees but good customer service, great card to help rebuild your credit. Easy online payments. Easy to understand statements. Easy to increase your credit limits, I would reco'd this card and approval is easy to get, I like this card compared to others on the market, apply today and help your credit score, I did and have raised my score by close to 100 points. This is a good company to work with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ddd2535927d47f895b9e35e1e796ffc
encoding: FLOAT32
metadata:
{"chroma:document": "They gave me a chance when no one did and I made couple payments and automatic got a credit increase....I would recommend these cards to anyone. I absolutely love mine and it helps rebuild your credit...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b66c27ddfa8406e804407a6d88cbc88
encoding: FLOAT32
metadata:
{"chroma:document": "My card got to a balance of less than $10. I submitted the payment, but they didn't process it by the due date, so they added late fees, reported it as past due. This went on for two months until I called them and had them process the payment over the phone and sent me a confirmation that the account was paid off and had a $0 balance. I would not recommend this credit card, under any circumstances. They do nothing to help you rebuild your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae35003c59af47e4b0366cb0ddf57b83
encoding: FLOAT32
metadata:
{"chroma:document": "Today, July 28, 2020 at 10:40 PM I was calling Credit One to make a payment to my card. A customer service agent answered the phone so fast and asked me for my social security and all my information to access my account, but he was being very very rude! His tone of voice was so aggressive! And since he was speaking so fast I couldn\u2019t understand much of what he said, plus English is not my first language so I had to analyze first and then respond to his questions, and he got mad every time I asked him to repeat himself because I couldn\u2019t understand, he spoke so fast and he was so aggressive in his tone of voice. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1977ec461914ce9a427cdbe54e8a78f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank charges you fees randomly and then charges you late fees when didn't use the card. The company claims to help customers build up credit, but they are a borderline fraudulent bank that should be shut down for their crooked practices. It is difficult to contact these crooks or pay your bill, absolutely no customer service. This bank is a joke and should be considered criminal for taking advantage of lower middle class and low income Americans. I WONDER WHY PEOPLE HATE BANKS, AND USURY IS CONSIDERED AN AWFUL SIN?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb1756a6d7434cd498659a5fdca6c60e
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card when I was trying to rebuild my credit. Now that my credit is doing better and my card is paid off, I noticed each month a tiny fee, but it was billed as interest on purchases. How could that be? I haven't made any purchases with that card in over 4 months. The annual fee billed monthly is paid in full each month, so why do I keep getting this tiny fee? After calling customer service, I was transferred and escalated to 3 different \"supervisors\" until finally, they said the next supervisor would call me (she has not). Allegedly, the interest on purchases comes from the annual fee being billed. I asked how is this possible when both of these charges are billed to my card on the day the statement closes? Also, how do you charge interest on a fee, as a purchase? No one could explain that, hence why I am waiting for that call back (I'm sure I'll have to call them again). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63df3d35e4f64c5983e14b701039641b
encoding: FLOAT32
metadata:
{"chroma:document": "I been with Credit One and overall experience with them for the past five years has been fulfilling. I would tell anyone that there are a company is right for what they give and say. I give a 10 star rating!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95cc0925456a4bf18e1a2bcee3bffe45
encoding: FLOAT32
metadata:
{"chroma:document": "As someone re-establishing credit, the card, online access and tools are very helpful and it\u2019s working great for me. The fees are steep, but I hope those are reduced as my credit rating increases. I like that everything can be done from my phone. Payments, reminders, even requests for increases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 260ab60e040f41338e1834c2b6fceea1
encoding: FLOAT32
metadata:
{"chroma:document": "I was sent a pre-approved notice so I contacted them and got their card. Having not had credit in a while it was helpful at first. The only method of payment is a bank account with no way to transfer a balance or pay it off with another card. During the pandemic, they offered NO help whatsoever! Instead they recommended getting a loan, selling assets and even getting a second job, just to name a few. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6bc44ad7747491ebc357d2261fbb87b
encoding: FLOAT32
metadata:
{"chroma:document": "The phone system and app do not stay up-to-date. In order to make a payment you have to provide checking account info. Phone operators can not do basic math. Beware of double charges. Does not report as promised. Avoid this card. It cost 9.99 to make a payment by debit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6da88db3487e42468b82b6f800e46f9f
encoding: FLOAT32
metadata:
{"chroma:document": "So I received my Visa and Master Card from Credit One about 4 years ago. You must always be checking your account from fraud charges to fraud fees from these yahoos. I just noticed my card was over the limit and I have not used the card for 4 months no recurring charges or anything. Well guess what I called them on this and told them about my lost/stolen card and they would not help me cancel my cards unless I said that I had no Fraud on my account. I was flabbergasted about this. When I told the first guy that is wrong and I wouldn\u2019t say that, he hung up on me. The second call he told me the same thing. I got a supervisor that told me the same thing. This is WRONG. CREDIT ONE is A Scam that rips off the customers, last time I sent in a letter on fraud charges they never helped either... So now. I will not ever use Credit One Again and will Blog everywhere about this SCAM of A company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f890f19e83dc4a8bb97bb9f83a24612d
encoding: FLOAT32
metadata:
{"chroma:document": "I experienced being hung up on today because I explained that in the United States there are laws protecting its consumers. My other 4 creditors are assisting me through this pandemic but Credit One Bank will not. My customer service agent disconnected me as I explained to her that her corporation is breaking the law. Upon my payday, I am going to pay this account off because I have been reading all of the horror stories about this company. I\u2019m shocked with the way they do business. Their practices are criminal. I\u2019m considering retaining an attorney when I can. They need to be sued."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6562a0d2b94029a80d79f2a0744e17
encoding: FLOAT32
metadata:
{"chroma:document": "I really have bad experience with them because I dont know why they refuse to close my account, the last time I was place on payment plan to pay my account off, they later lie that I miss the day I suppose to pay which I believe is only God can judge that between us, I call to make a pay 19th of June and which I still have one payment more that I suppose to pay on 28th of june same month and I call them on 27th to make the payment once and clear the account. But they said they maybe I misunderstood the person that collect the payment from me on 19th and my last day is on 20th june not on 28th of june I have in mind, since last year have make attempts to pay off from $200 plus they keep on use it to make money from me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85e3e8c5072b47a2a0c930db39c48f75
encoding: FLOAT32
metadata:
{"chroma:document": "This is the absolute WORST credit card for anyone, any reason under the sun. First and foremost, the credit card company is located in India. Their online website is constantly broken, not allowing sign in and a laborious payment chat you must go through to make a payment. Secondly, the payment often does NOT go through, because most banks consider this vendor to be fraudulent and block payment. The BIGGER problem though, is their system does NOT notify you when payment has difficulties. This may be deliberate on their part, you get stuck with automatic $30 late fee. To PAY your bill in general is costs $9.95 on their website and over the phone. THERE IS NOT AUTO PAY.   "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 988e2097b8c44ef69060faf157a429fc
encoding: FLOAT32
metadata:
{"chroma:document": "Good for people who need to build credit. Other than that, no good. Been with them over a year. Always paid on time. More than the minimum. No limit increase offered. Even though my credit score has gone up over a 100 points. It's fair now. The day you pay your bill off. They hit you with interest. So you always owe them something. Say you pay early and it's paid off. To your knowledge anyways. Then you look. 1.38 interest was added. Just saying if you're building credit or you need credit. Use wisely. Thanks for reading."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cc1fe81287f43f3a9367d4c8a4ed2fe
encoding: FLOAT32
metadata:
{"chroma:document": "While the actual credit card products are reviewed elsewhere here, do not look for any technical support from this bank. I was trying to speak to someone about connecting to my accounts using Quicken (something that seemingly every other bank is able to do). I submitted a written message via their website a week ago (I'm still waiting for a response), finally called today. I'm guessing that their support is in India: they (initial support AND supervisor) had no idea what Quicken was, could only say that their website is working, and would not escalate or refer my issue to technical support. After explaining the technical difference (I'm an IT professional), the supervisor could not say anything other than they have no problems with their website and hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec3024c106f34c909a9d66f2922f40b5
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{"chroma:document": "My payment with Credit One Bank for my credit card issued through the company was due on 7/7 before 5pm (PST). I made my payment on 7/7 at approximately 12:20 pm. I usually use the online app to make a payment however that method was unavailable. The online express payment method was also done so I paid via the Standard Payment method. I received a reference number and a payment date confirmation receipt to show my payment was made on time. I went to check my payment information the next day 7/8 and my credit one account was reflecting a late fee payment of $30 and that my payment was made on 7/8 not the payment date. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 115119c87d844ca9bbe1a21acbfe1051
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a credit card and was approved for $400.00. I have 4 other cards from other banks $1500 to $2500 credit. All with \"excellent\" payment history and my Credit scores all over 700. I have declined the card and will not be doing business with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90ea74921a05401d831e1d0384c5f826
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card back in 2017. I have not used the card for a while and all of a sudden they just closed it out with my knowledge or consent. Just because I have not used the card does not mean they can just close it out. This hurts my credit now which I am trying to build and now my credit went back down just because of this. This is not good customer service for someone who is trying to build credit and all you do is ruin it for the people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0f4b58563464850bf3ab68dddd29566
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this CC since May 2019. I'll admit my credit wasn't perfect (around 580) when I first got this card and they approved me right away. After 2 on time payments I received a $200 credit line increase. There is a $99 annual fee spread out of monthly payments of $8.xx. My credit score is now 701 and I've been a customer for over a year with no missed/late payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96e31e41a49746fbad7c76cf85e54636
encoding: FLOAT32
metadata:
{"chroma:document": "Everytime I get my cc bill it's always higher than should be. Called a few times and spoke to customer service and they fix it. So now I called again because my bill is $11.00 higher. I know that's not much but it's the point of it. When I tried to cancel my cc Was told it would be $25.00 to do so. Paid bill and cut up card if you can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68f52a19f1c84022af566ead2dd24da4
encoding: FLOAT32
metadata:
{"chroma:document": "I paid over $500 to closed my credit card account with them in April and got a confirmation number, after that they continued to bill me over $200 and had to call again to make sure. They kept saying they are sorry and would send me a bank statement which I never received. It is not June and they are still trying to bill my card when the account was closed months ago and. It\u2019s like they are never up to date with what is going on with their customers and just staffing them to take their money.. Sucks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 033ba45d6a4e4df6be02b5788ef74b4a
encoding: FLOAT32
metadata:
{"chroma:document": "Can't believe this company still doing business, if not made in America, all the SOB should be in jail or executed. Is it really happening!! Prey on poor people. They got my stupid **, I thought it's Capital One, I deserve it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6842d4ec6c75435b9a79993752b50225
encoding: FLOAT32
metadata:
{"chroma:document": "If you get offers from Credit One, read the fine prints. These people know how to rip people off. If you usually have your accounts to auto pay monthly so you don\u2019t forget to make a timely payment, you won\u2019t get that option with Credit One. It\u2019s a setup. If you don\u2019t make your payment on time high fees are added on plus they already have high APR and charge monthly fee for having an account with them. When you want to settle your account to get rid of them you will be told there's no settlement offers. Another way for them to collect every single penny from you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f8e8210ccee4bb490c672c92b3a7d65
encoding: FLOAT32
metadata:
{"chroma:document": "I don't have too many negative things to say but I will say what I experienced recently. I called Credit One just yesterday because I needed a \"Paid in Full\" letter submitted for the closing of my home. Anyone in here who has a home or is closing soon like me, understand that when your loan office calls you about docs needed for the underwriter, it can be quite \"Time Sensitive\". Okay, moving right along. So I called them to request this email and I was told that I would have to wait up to 72 hours to receive a daggone fax stating \"Paid in Full\". If I'm paying my credit card bills on time and holding my end of the contract why is that I have to \"wait\" for someone to click a freaking button. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 440500cbeb4547f5b7ae50619b0ded98
encoding: FLOAT32
metadata:
{"chroma:document": "That card was good at first. Then I made to many payments in a week (3) so they put a block on my card and I had to verify my bank account and show them the payments were take out of my bank account. They have to make sure that the account was mine (bank). I told them I been using the same account for 5yrs. But I still had to verify that it was me. So I sent the papers to verify that it was my account. Then they told me it well 10 business days so 2 weeks. They got their money and my cards are at a zero. It's BS. Stop send calls to some other country."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac3b19e687384f30a89a8805b680c30d
encoding: FLOAT32
metadata:
{"chroma:document": "This card sucks. Run away from any offer they send you. 95% of the time I try to use this card I have to call first because they continuously block my card from use because they suspect fraudulent activity. It\u2019s embarrassing as hell to use this card in public because it\u2019s always declining making me look foolish. ** this bank in the A! #capitalonewannabebank"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18630a88f880455f8487e692d91c9e8c
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card makes it almost impossible to make your monthly payments on time. Website stinks, no auto draft available, and if you call to make a payment they charge you a $9.95 fee. Also, when I had enough and tried to close the account that equally difficult. Just beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d023c4b69f442d09b84a1e5e2bfdd73
encoding: FLOAT32
metadata:
{"chroma:document": "Only use this company as a last resort!! Horrible customer service. Fees are outrageous. Never was late on any payments until the pandemic. Was 8 days late during the Covid-19 outbreak and they started harassing phone calls and also calling a lot of my relatives! Unacceptable!! All of my other cards were wonderful and waived a payment and interest no questions asked! Now that I am back to work this card will be paid off next month and closed! This place is an absolute joke!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03ace7f0a3be417e97e47b66f948ff11
encoding: FLOAT32
metadata:
{"chroma:document": "Had credit card for about 5 years, paid full balance off every month. No problem with card, till my credit card was hacked. About 2 years ago, after that nothing but trouble with company. Took them 6 to 8 months to find out, card was hacked and it wasn't anything to do with me. They never reset bounce right, pay $25 for new card which I could not use while they were checking where the hack came from. Tried to charge me interest on the money from the amount the hacker added to the card. Call the company several times customer service. Got zero results, now they sent my card to a collection agency. On money that I didn't use that was done by the hacker. Got zero results from them, even though I paid extra to have security on the card to cover all that. Recommend no one get this card or try to use it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae4abd83ac3d445eafac23b84fef7af9
encoding: FLOAT32
metadata:
{"chroma:document": "I didn't get a credit card in my teens/early 20s. BIG mistake. NO ONE would take a chance on me at 25+; not because of bad credit, but \"insufficient credit history.\" Credit One at age 31 gave me a chance! Kept the card almost 3 years, now onto \"bigger and better\" cards with a score 700+. Had they not given me a chance, I'd be SOL as now my dad is passed on and I only have my own credit to rely on if I need it. Thank you Credit One! Product A+++; does as intended--CREDIT BUILDER (even at 31!)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0ee1016bd524924b7d1b31b7034ef7f
encoding: FLOAT32
metadata:
{"chroma:document": "I seriously tried to pay my payment by all available means. Attempted to log in to app. Hit wall. Call to pay hit wall go online hit wall. Call again. They tell me use the app or online that they don\u2019t take payments over phone. Try again. Hit brick wall. Send money order in. I guess they didn\u2019t post it. Get a bill overdue by the way and guess what? I was charged for the two freaking phone calls?!?! So now today I received two calls both in which they verify my info. And then call disconnects. All I want to do is pay. Why is that so hard to do? Like they are trying to screw up my credit. I\u2019m gonna pay them off and they can take this card and shove it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c1adde511ae41d1bc93e15a84774c1c
encoding: FLOAT32
metadata:
{"chroma:document": "I first opened an account with Credit One to begin building a credit history. Over five years, I've encountered numerous problems with Credit One's online payment system. Most of these have been fairly trivial (momentary unplanned disruptions in access to the customer website; failure of the telephone system for activating a new card, requiring me to call in to customer service and spend an unreasonable amount of time on hold to complete a process that should take less than two minutes), but the most recent one isn't, and in all honesty, a credit card company that charges fees and interest has an obligation to ensure that its technology works and that its customers have access to customer support in order to resolve problems that might occur when it doesn't."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af4954a56c2345dab3216f12fc161312
encoding: FLOAT32
metadata:
{"chroma:document": "CreditOne is the absolute biggest crooks I\u2019ve ever had the misfortune of dealing with. I don\u2019t want to get into it, just know going in that they will lie, cheat and scam you out you hard earned money. Look at their abysmal rating before dealing with them. AVOID! AVOID! AVOID!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81543848d1384d3d80a09acbade2ef74
encoding: FLOAT32
metadata:
{"chroma:document": "Very disappointment with this card. First there was an annual fee which I missed in the fine print. Second they charge interest on every transaction at a high rate. I realize that I have just gone through a bankruptcy due to a failed business. I really don't have the problem with the annual fee if I would have known up front instead of the fine print but interest on all purchases regardless of payoff no way no how. Could have gotten a prepaid card that builds credit without interest unless you are late on your payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1349eee6128461eae7d7778684c619a
encoding: FLOAT32
metadata:
{"chroma:document": "I would love to leave 0 stars or NEGATIVE stars. I tried to use my card and it was declined. Log into the website see my credit limit, shows the normal amount. Balance due $0 BECAUSE I PAY IN FULL EACH MONTH. Available credit 0. Call and told they closed my account....WHICH WAS IN GOOD STANDING. They could not tell me why but that a letter was mailed over a week ago. This company is a bunch of shysters. Waiting for them to reissue this letter that is supposed to tell me why someone who pays on time and IN FULL gets their account randomly closed. DO NOT TRUST THESE PEOPLE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 954bdef5b969424fbcd3aafdf3338b68
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT OPEN AN ACCOUNT WITH THIS COMPANY! I have had two cards with them and pay them off every month. In March of this year I see my statement and there are over $800 in fraudulent charges. One of the charges is for $650 at at grocery store. The crooks had tried to use the card at a Walmart and it was declined. But the Kroger AND these idiots approved a charge for $650. So I call in and report this. I did NOT lose my card and it was in my possession. Furthermore these stores are nowhere close to where I live. The customer service rep flags my account, they send me another card, and do an investigation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4a9c35d1e024b128fe9b739195914f3
encoding: FLOAT32
metadata:
{"chroma:document": "Absolute horrible customer service. Supervisors are never available to talk to. They cannot provide you with up to date banking information in a timely manner when requested. They give you the constant runaround. It took over 2 years to get a credit increase even though I pay off my balance every month, but they're quick to tag you with fees for everything. I'll be closing my account very soon and letting everyone know to avoid this company at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 222910e3fedd4f2d8326b7359a753edc
encoding: FLOAT32
metadata:
{"chroma:document": "Only take this card if it is a last resort. They charge a very high yearly fee. They also charge a fee to get a credit line increase, and another fee to replace a stolen card. I called to let them know that my card was stolen and that it might get used for fraudulent charges. They did not seem to care and charged me $25 to get a replacement card. They were the only card to do this out of all of my accounts. If you can get a card anywhere else, do it, and stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56df8ae0ab80429cb533771b325c3806
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service lady was horrible!! She ask me three time why I am calling. I could understand if the phone was breaking up and she couldn\u2019t hear me but it\u2019s like her mind was somewhere else. I wanted to dispute a transaction that was on my account and it\u2019s like she have no idea what to do about the situation. Of course am now upset that she can\u2019t help me so my voice got louder and she went louder than me. She told me I have to hang up and select option 3. I asked her why she can\u2019t transfer me to the department who handle my concern. She said she don\u2019t have the ability to do that I have to hang up and go back to the main menu. I hang up and called again and option three does not have anything to do with disputing transaction. So I am left disappointed because I still have a charge on my account and I can\u2019t get it resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0961d6f3c924aa1978ee6396cc69c24
encoding: FLOAT32
metadata:
{"chroma:document": "Utterly disgusted with this company. It took two times for this company to close my account. Their employees lied of closing my account, mailing closed account documents, and they purposely harass you to pay late fees on the account the day before the new billing statement comes out. Their tactics to gouge money out of their customers is horrific. I will never recommend, perform transactions, or promote this company. Then the nerve to act like they are performing you a favor when they rescind these monthly \"annual charges\" and weird time of the month late fee charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da0005d5e67c43b19425b041f404d256
encoding: FLOAT32
metadata:
{"chroma:document": "Definitely wouldn\u2019t recommend this credit card to anyone! I hated the experience. The customer service sucks as well. I\u2019ve never been so upset with the experience of using a credit card. The service is terrible and the interest rates are even worst."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1639fc0fa4b94f58bc51acd873ac4a8a
encoding: FLOAT32
metadata:
{"chroma:document": "I hate doing this, Credit One is a crooked credit card company. I have had them as a credit card since August 2019, not once have I had access to my statements through their website or app, who knows where that money is actually going. Every month I have tried to pay my bill, the payments get returned. It forces me to have to deal with their \"fantastic\" customer service to pay my bill, late because it takes 5 days to process and tell me it gets returned, but while speaking to these \"people\" I have to pay a $5-$10 processing fee... Kinda shady already right? Well April 2020 I decided to pay the balance and shred my card never to deal with this Idiocracy again, guess what?! Got returned but no one told me. No update, nothing... Just got an email saying my account is being locked out and I have a much larger balance because of interest and late fees and whatnot. Great... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7930e317f6ed47c39ad199e5573a616c
encoding: FLOAT32
metadata:
{"chroma:document": "Hidden fees. Will not allow you to close account. I even got a letter saying that they had a continue to charge a monthly fee for interest.? These people are flat-out criminal and I hope if anyone can do anything about it legally that they get the ball rolling and then put your info here so we can join a class action lawsuit. They should not be in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f72be3da3b3d4acb8c3dcda13858d645
encoding: FLOAT32
metadata:
{"chroma:document": "Final straw with this India based customer Service Dept. Two charges on my account for products that I ordered but never received. So after no response from the companies I ordered from (unknown to me that they were located in China), I called Credit One Bank and asked that they assist me with opening a dispute on these two charges. They told me that I have to write them a letter to open a dispute! Whoever heard of such a thing? Instead of assisting you like all the other credit card companies, they make the problem more difficult to solve with there horrible customer service procedures. I paid off one card I have from them and closed the account and now I'll do the same with this one as well. DO NOT DO BUSINESS WITH THIS COMPANY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbc074ccc63d495a96e9d5545dc4216e
encoding: FLOAT32
metadata:
{"chroma:document": "Lost a card four months ago. I have called every month and every time I get told that they\u2019re canceling it, sending me a statement and a new card. Still not done! I asked for a verification email that it was canceled and was told they don\u2019t send emails! What?! Beyond ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07902ef050174af2900fe0abf8360875
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had a fraud charge of $200 on my account, Credit One Bank was no use. I disputed the charge three times giving all proof and evidence that it was not me and they still refuse to take the charge off of my account and blame me for the cause. Because of this I have paid off my card and closed my account, I recommend that nobody opens an account with credit one. Customer service is supposed to be there to help their clients when in need, they did the exact opposite for my family. It is impossible to get a hold of a supervisor or someone on an escalation team to even feel like you are being helped."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24e857339cd543a38ab1bd89ea875292
encoding: FLOAT32
metadata:
{"chroma:document": "Not only have I made my payments on time, I paid a month ahead. This company reported 2 missed pmts to my credit report, dropping my score nearly 70 points. The customer service is non existent and when you do to someone they do not speak English. They are also very rude and refuse to help. I hope this bank gets shut down. Opening a credit line with this bank was the worse decision I ever made."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3da7cabf60b4455a0b7c26629fa8834
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank offers absolutely no customer service on their website or over the phone with a message saying \"We are receiving unspeakable amounts of calls because of Covid-19\" and they locked my card absolutely no reason at all. Now All I can do is pay my bill and never use my card. This bank is absolutely worthless for helping people in this time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b09f6edf45e4deaa278d0176a50ddb9
encoding: FLOAT32
metadata:
{"chroma:document": "This was the worst experience I've had with a credit card and its customer service department. I had reported two charges that I had not made and they just closed my account without telling me. When I called because I wanted to make my on time payment as always and this lady treated me like a criminal. I don't recommend you getting this card or have any connection with this card. It is a fraud."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 239b7654076b4875ba8851bb5d91569d
encoding: FLOAT32
metadata:
{"chroma:document": "I made an online payment for $300 which was my balance on 4/29. I pay off my balance each month. After my available credit was finally posted days later, I tried to use my card and it was blocked. I called customer service and the rude lady who barely speaks English told me my account was blocked due to \"suspicious PAYMENT history\" She then told me I needed a letter from my bank stating that I personally authorized that payment to them and the process takes about 21 days to remove the block from my account. I've NEVER had issues with a credit card company when you make your payments on time to be cause for \"suspicious payment history.\" So I closed my account. Just absolutely ridiculous and horrible service. Stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 105a7a1bda114b9fb33f132c880a17b2
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m reading these reviews. Smh at the self entitled irresponsible people complaining about getting late fees when paying their bill late. Whether it be an hr or a month late is late. I was given a $2k limit and two months later they gave me a small but appreciated cli of $200 which brought my new cl to $2200. Since owning this card I have paid a total of $2 if I\u2019m not mistaken. My credit score was in the 640\u2019s when I decided to get back in the credit game because my wife and I were buying a house and would carry a relatively modest mortgage. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 082210e48202416f876878992d1a732b
encoding: FLOAT32
metadata:
{"chroma:document": "Make no mistake. This card is not what you want.... You will never get a credit line increase, just not a good card... This card will not be a good pick. They have very bad customer service... This card is not good for credit, this company prey on people with credit issues... This card will make your credit worst..*be aware*."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4041237a18b41d4abf9626560a252af
encoding: FLOAT32
metadata:
{"chroma:document": "I got approved for a Credit One Bank Credit Card in 2019. It was my very first Credit Card. Everything was going good for a while, until I began to see the way they operate. First off, when making a payment, they don't process it right away. They will hold the money for a few days, then process it. There were times where I paid a day early, the money was not immediately taken from my bank account, and now I get a notification that my payment is late, and my Credit Score negatively affected. Second, their customer service is not too great. You would be on hold for a while, and I even spoke to one lady today, she was rude, was then transferred to the account management department, and the person hung up on me, claiming they couldn't hear my voice, while I was almost screaming on the phone trying to make sure my voice was loud enough. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 269e9de5e84c47c898bf2ce4de61b212
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{"chroma:document": "During this coronavirus they increased minimum payment. They are not answering phones to assist customers. They charged me $28 late payment even though I can't get on their site which says they can't process my request at this time, to make payment. Providing incorrect credit scores claiming Experian is providing way lower scores to them which Experian says is not true. If you have extra money and make an extra payment to get ahead they take payment then come back and make you go through verification process again or can't use your bank account you been using all this time to make anymore payments. They hold your payment, even though they take it right out of your account, for 5 business days trying to get people to pay that $9.95 for their instant payment. So sad that businesses like this can even be in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ee64cef41db41d997a7e2274403649f
encoding: FLOAT32
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{"chroma:document": "So I made two express payments Through the app at two different times so my payment can show right away. I only did that to get my card down so my balance won\u2019t affect my credit score. After making those payments. I used my card to get gas and my card didn\u2019t work. So I called them and asked, \"Why is my card being declined.\" They said \u201cbecause I made two express payments. Your account has been put on hold because we need a letter from your back that says you are the owner of the bank account that's on this account.\" Oh was I livid. I went back and forth with these guys to open my account. I finally called them and my bank to prove I am the owner of this account. While on the way my bank even told Credit One bank they have never heard such a thing. What CC bank freezes someone account 'cause they made two payments. DO NOT GET A CARD FROM THEM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7635c036f765448ea2b6bcb53526f47f
encoding: FLOAT32
metadata:
{"chroma:document": "During these difficult times concerning COVID-19, it is impossible to speak to anybody in customer service to ask for any type of help, deferment, or even ask a question regarding payments. There is no email address available. If you call in you will be disconnected. My payment was one day late and requesting late payment fee to be removed but there is no way to reach other than snail mail. NOT ACCEPTABLE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2787dfb502f4faca9231a07e206af5b
encoding: FLOAT32
metadata:
{"chroma:document": "Capital One must sue Credit One out of business. What a scam, this co [Credit One] has been a nightmare since I confused it to capital one. Due to its logo being almost the same look and font style, and yes I can read. Since they opened a card limit quick by sending a credit card to me quick, with little input and quick approval. They gotcha, hard to close, hard to keep up with, a consumer service department that is overseas that doesn't work in your interest [if you can understand their broken English] and a website that only curtailed to getting as much money from you when making a payment ie; express payment $9.95 versus standard payment, only if they recognize your bank account info. Rude SCAMMERS using our country's laws to ruin our credit by faking a logo to try and entrap, lie, deceit and tarnish the credit ability of a great co like CREDIT ONE Which needs to alert all states attorney generals and awoke a mass law suit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c17b53a4b6b49d4a4489443300e9f0e
encoding: FLOAT32
metadata:
{"chroma:document": "This has to be the worst credit card I've ever had. They locked me from use even though I've made 750 in payments on an 800 balance. They will not answer any calls to the customer service line. It's the only number to contact them even if you have a lost or stolen card. No email to contact them and an online assistance service that is all predetermined responses that will not help you. I absolutely hate this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18ad7eb8ef354f698ebb3200b293b9d3
encoding: FLOAT32
metadata:
{"chroma:document": "HORRIBLE COMPANY! I mistakenly applied for a card through Credit One instead of Capital One. After receiving a statement saying I owed $30 and a $28 late fee, I immediately called them. After continuously being talked over by the rep, he agreed to waive the late fee and gave me a new due date. A few weeks later, I received a text saying I was late on another payment. Once again, I called Credit One. After the newest rep to deal with continued to speak over me, I requested to speak with a supervisor. I was on hold for over 30 minutes when she finally came on. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7697878d7b6a4ed4a63f15f02ba0c853
encoding: FLOAT32
metadata:
{"chroma:document": "I am very upset about my late fee at this moment (Coronavirus). I was paying my bill 1 hour late and today I was received the email from Credit One Bank because they put the late fee on my account. This is the only bank put on my account late fee at this moment (Coronavirus)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21d6fa4c5ee84286ade9fc50e891cc24
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Credit One for 2 years, great payment history with them, even carried a ZERO balance for 5 months, finally called in yesterday to close the account. Ann the first lady was so rude and didn't even try to save me as a customer. I explained I was getting charged $3.95 a month for the statement fee on a Zero Balance account. Remind you the statements are Electronic, so if I kept it opened I would be flushing $40.00 down the drain a year. A Very sneaky company, no high credit limit options here, very rude customer service, I even called back to complain about ANN, got another foreigner on the line, so overall do not waste your time or money on this company. There is a reason they have very bad reviews. You have been warned."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3da01e1a33fe46009904e91129d8600d
encoding: FLOAT32
metadata:
{"chroma:document": "They charge an annual fee...$5 p/mo...then charge .42 interest on annual mo/fee. Wow. Interest rates went down, as of today, in these hard times...they jacked theirs UP 2%. Unbelievable. Checking my CBR over the last 4 years I have been with them, NO payments have been reported of my timely, 4 year tenure with them. No help to build ones' credit profile. No chat...when I call, I could hardly understand the rep as repeating the conversation gets annoying, that is after a LONG hold time, more annoying. Please be wary of whom you choose to have a credit card with, as there are other, better choices. I have been very patient, and have now chose to dump these price- gouging manipulators out of my wallet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd93be63aa8243379ca351de3ad9ce52
encoding: FLOAT32
metadata:
{"chroma:document": "This company provided me two credit cards! One after I showed them after six months I was responsible with one account. I\u2019m very thankful for this bank as they were my last resort to reestablishing my credit along with my Capital One that I have! When nobody else would approve me, This Bank was there for me when I needed them the most! If you\u2019re going to have credit cards to pay interest and late fees and be Irresponsible, then of course you\u2019re going to give a bad review... But if you are responsible and pay all your bills on time and not occur interest and late fees then I\u2019m sure that you would give this company a four-star like I am!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49be0ffc09034b9581c8913e30a79bda
encoding: FLOAT32
metadata:
{"chroma:document": "I was given a credit card by this company and have had this card for a few months now. And I do understand that the world has slowed down. However up until this point I have paid on time and have a available credit on my card and tried to use my card and it Denied. I have been calling for a month and not getting and answer. I purchased something for 9.99 and card became lock because they think it's not me using my card. Until this is over I can't spend my money that's on the  card. It's almost time for me to pay them for what was use off the card. So I don't feel I should pay them when they treat people like this at times like these some bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5f8eb3a3d53e43329352715db4534d7a
encoding: FLOAT32
metadata:
{"chroma:document": "In the past three months, two of my online payments paid through my bank have not posted to my Credit One account. The first time I called them and they waived the late fee and somehow found my payment. They said the cc number had changed and I was using the old one on my remittance from my bank. I changed it to the new one and the next payment was correctly applied. Now it has happened again and I am very frustrated. When you call they tell you to print something from your bank to verify and mail to them. I don't have but a few months left to pay and I am done with them. Of course they charge you interest and do not credit their mistake. Be careful. There are some great cards out there just not CREDIT ONE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1ab3bc7c12646a297698795ba72d31e
encoding: FLOAT32
metadata:
{"chroma:document": "Let me just say that Credit One Bank's customer service is trash. To speak to someone about my account I have been directed to an automated system that keeps telling me due to the Coronavirus outbreak their call center has a longer than normal wait and then it tells me to call back at another time then the call hangs up. I call at different times though out the day and the same thing...I call in the evening same message same result. No matter when I call the same thing. If you have the money to run a credit card company use some of that money and upgrade your customer service department to sub-par level."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea43f924eb574f8aba49f85efc57b4af
encoding: FLOAT32
metadata:
{"chroma:document": "They are horrible in customer service, they have a phone number which is useless, there is no option to speak to a live person, they do this to get away with their scam business. Do not apply for this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10792a0636ff4d6c8568daa7d0010ac1
encoding: FLOAT32
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{"chroma:document": "So anyone who knows of this company, may have pre-conceived ideas of who they are and what they offer. They were a company who helped me grow and establish my credit, the card offered great credit limits and pay dates and they have never given me problems with anything regarding my account. Yes they are fee driven and their rates are high, but well worth the time I have been with them. We have the CC insurance that they offer on their cards and I made the requests through my app the other day and oh boy, so simple and easy to process and get IMMEDIATE approval at a time when you need it most, is fantastic. I don't need to use the cards the 6 months of payments that will be made by the insurance coverage and that is no problemo. We APPRECIATE Credit One very much."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 263e7cf489a14e4a82918050fb1b9e37
encoding: FLOAT32
metadata:
{"chroma:document": "I have been on the phone waiting for over an hour trying to talk with someone. I received this card March 2nd 2020 with available balances of $500.00. I only spent $345.00 but I made a payment of  $180.00 and had returned a few items, $63.81, $63.81 and $96.31.Checked my available balances it say only $123.71. And the site says I owe the $324.02. This is a scam. Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4840444b2def46ed9989464fdffa3427
encoding: FLOAT32
metadata:
{"chroma:document": "I was preapproved for a Credit One credit card so I applied. I was instantly approved for a $2100 credit limit. Before activating the credit card, I read my user agreement. The first thing I noticed (other than the high annual fee) was the daily interest model they use. You are charged interest every day so you will end up paying interest whether or not you pay the bill in full each month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c6a20a47e9945afbd9d2bbbb34e139a
encoding: FLOAT32
metadata:
{"chroma:document": "You will get approved for Credit One card but you won't ever receive it after approved so don't get your hopes up once you're approved or rely on the card because you will be very disappointed. I don't even think they intend to mail out a card even when approved. It's a bunch of lies!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbadcf86dba84c038efd3d5cee737759
encoding: FLOAT32
metadata:
{"chroma:document": "About a year ago I got a card from Credit One Bank for $500 limit. I used it a few times here and there, always paid on or before the due date and always more than what was the minimum due. A few months ago I had about $350 credit still left on there, I was making additional payments to pay it off. Well for some reason a payment that was processed didn\u2019t go thru Bc I forgot to take the funds out of my other bank account and make them available (I can put funds in a virtual vault). So when I realized it a few hours later, I made them available and waited a few days and they never tried again to take the funds out and next thing I know, I can\u2019t login into their site. So I call them and get someone in India apologizing for the inconvenience and she would be happy to help. Well, they didn\u2019t help anything, the account had been closed because the payment did not go thru. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a4fffdfe1074662b16c59147bc81f72
encoding: FLOAT32
metadata:
{"chroma:document": "I'm writing this review to state facts. I pay my bill in full, usually bi-weekly. So, they froze my card. I call them. Over an hour on hold so far. I'll let this card rot in my wallet before I use it again if they don't honor a good paying customer unlock request. I'll pay one more annual fee and stay on hold for the 3 days as I'm on my rotation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d155a04118574140b4dd3db0f4eca2d7
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible service, they make you pay a annual fee as soon as they issue the card. I WAS OWING $75.00 before even using the card. My limit was $300 and I opened the card with a balance of $225.00. After the first year they divide the annual fee in monthly installments that are deducted from your monthly payments. They force you to make payments online by only allowing you to only make payments using your checking account and it takes 4-5 days for processing. They give you an option to make payments and have funds available immediately but they charge you an extra $10 dollars to do so. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a68871e04d6e43698b9cd1848ad43488
encoding: FLOAT32
metadata:
{"chroma:document": "I made three payments within a 30 day period and the card stop working. I was buying ice cream for a Lunch break birthday party and the card declined... I was just given an increase on credit and like I said - I had made 1 payment per week and the card had more than $400 remaining available... I called and they said due to fact that I had made so many payments in such a short period of time they froze my card until I can provide a letter from the bank with my name, account number, and signature stating I approve the payments... Wait!!!! You froze my account because I paid you too many times???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd337cc11568431fb136eed8187e0d18
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank has been giving me the run around for 2 months. They have sent me 3 letters with directions on what to send them for proof of address. Every time I call them they tell me they need proof of address. They have my disability awards letter with my physical address on it and they have my utility bill with my physical address. Then they continue to tell me I need to send proof of residence. When they already have those documents I called today on 3/13/20 and on Wednesday 3/11/20. Customers services told me that won't the correct documents they needed. On the paperwork they sent me they wanted my income and utility bill which I sent on 3/9/20."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53d3c6affa794cc9b0d363225b72cfb2
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{"chroma:document": "I've been with company for a little over a year. I've never understood the balance they come up with vs the balances I record. Customer service is extremely rude and non helpful. We never reach an conclusion and I know I walk away paying more. That's it! Never again. They are scammers. I will stick with Capital One! What's in your wallet baby! Sure won't be CREDIT ONE EVER AGAIN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c17b2584515d4f629e697307e0638f0b
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a joke. They charge absurdly high annual fees of 75$ late fees are 39.99 and high interest. I closed this account as fast as I could. Why have this card when you can have many different options in rewards cards and no annual fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db36fc043c5b4178b13ac8e911a5c3eb
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{"chroma:document": "I accepted the offer from Credit One Bank even though it wasn't a good one because they claim to improve your credit by using their card. They give you a $300 credit limit but $100 of that is already used up by their annual fee. Then they charged me another $7 just to get my card. So less than $200 is what you get. Then I added my bank account to my credit one profile so I could make frequent payments and keep my balance low. They make you jump though hoops just to use your own bank account. They said I had to wait 5 days for them to make deposits into my bank account and then they would pull the money back out just so I could verify the amounts so they would know it's really my bank account. After going through that hassle I still wasn't allowed to pay my bill. I tried using their app and their website and just kept getting an error that I have to call customer service. So I called customer service and was left on hold. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e1ae10ddd914f1da9b1df7b66a86f9b
encoding: FLOAT32
metadata:
{"chroma:document": "Had an unauthorized charge that I was attempting to resolve over the phone. Part of their verification procedure is to have you recall a password (if you\u2019ve set one up over the phone) on top of providing the last 4 of your SSN. I could not remember the password and as such have no avenue of resolving the issue; I feel that in the circumstance of an unauthorized charge I should have been able to resolve the issue with a supervisor perhaps, but no. Their supervisor could not help without this password that was created over a year ago that I have admittedly forgotten."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cf2e09736d44794ac6b9b62efb9d016
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{"chroma:document": "I became a Credit One Bank customer almost one year ago. I wanted to raise my credit and it seemed like a place to start the process. I've always paid on time, (if not well before), and I've always paid much more than the minimum, (at least a couple hundred dollars). All has been fine until today. I made my usual payment from my bank account and the payment cleared. I went to go food shopping and tried to use my Credit One card which was shockingly declined. When I got home, I checked the balance on the website and it clearly showed that there was plenty of money in the card. I called customer service to find out what the issue was. Four calls with their \"customer service\" and an hour and a half at the bank later, they arbitrarily put a block on my account and needed proof that I am myself through means that aren't possible. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0be13293356e4b80897b390b57c3a8fc
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metadata:
{"chroma:document": "Worst credit card ever. Had this card for just over a year and a half. They charge you interest right away, even if you pay off your balance in its entirety every month, like I did. I called up to cancel, but they convinced me not to, and promised that i would not be charged a membership fee. This was a lie. I had not used my card since April 2019, and was sent a statement with a balance that was for the membership fee they told me I would not be charged. Moreover, taking 5 days to process a payment is pathetic. It is a way of trying to get people to pay the additional 9.95 for 24 hour processing, something that every other bank does for free. Their customer service is terrible. Just an all around terrible card. My advice: Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c196aa7814074724901216d38b581064
encoding: FLOAT32
metadata:
{"chroma:document": "The experience has been regretful to have accepted the loan, the interest, annual, and late fees have kept me obligated for two years now. Late on payment, zero tolerance, confusion on seesaw balance, something about interest. If you do not understand their loophole to take your money then you pay way more than the loan was worth. What I am saying this is one of those companies that will take you for a ride, because they know you did not read the fine print or ask questions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8dda6f5b7f43435bbeebadc9f608435a
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service is the worst on this planet. I've been holding on now for 23 minutes while I submit this review. Prior to this, I was on hold for 22 before I hung up & called back. I'm contacting the BBB to report this company first thing in the morning!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78312f1fdef54bdb8a65782f0834dcd2
encoding: FLOAT32
metadata:
{"chroma:document": "I have used their credit card for quite a while now. I always made my payments on time. I never had any issue with them until last year. I submitted my payment as I usually do and they accidentally took the whole balance due from my checking account instead. I called them up right away. I was told to talk to my bank so I did just that. My bank reversed the withdrawal as an unauthorized withdrawal and put my money back into my account. Ever since then I have had nothing but problems with them. I begged to have my card shut off so I could get it paid, they refused."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebc49fedca8648c7b77bcafb0d8d7d28
encoding: FLOAT32
metadata:
{"chroma:document": "Get this guys- I paid my account off in full. Called and closed my account. A week later they hit me with charges on an account that\u2019s been closed. Reaching out to the BBB - this bank is a complete racket."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa88f291983b4b23817c4e3abc04ef2f
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely zero help from customer service, they suck and they tried to charge me 1000 bucks. Like no. You guys are awful. Paying off this card and then never again will I have a credit card with this awful company. Get your crap together you money hungry **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a22598d566784200a1c49e03f4b44591
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{"chroma:document": "I opened a Credit One Bank credit card due to an emergency. After paying off the balance, I called in to close the credit card because I didn't want to keep paying the annual fee, which is actually broken down into monthly charges unlike other credit cards I've had with annual fees. To keep me as a customer, they offered to waive the fees and give me a $25 credit if I kept the card open, so I agreed. Everything was fine at first, but after about 5 months they started charging me the fees again, conveniently after I racked up a new balance. I figured there was a mistake, but when I called in the rep I spoke to refused to acknowledge the agreement or even credit back that month's fee that I did not agree to. I would've closed it in the first place if I would've known they would bait and switch like that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4ea836fb6df4e53be8a95027ed19357
encoding: FLOAT32
metadata:
{"chroma:document": "I've had my card from Credit One for a couple of years and recently needed to speak with customer service about my account. I called during the early afternoon and after several minutes was put on with someone in India that was barely able to speak English. After what seemed an eternity of trying to communicate I finally gave up and said I'd call back at a different time, hoping that I would get to talk to someone in the USA. I received an email today saying my account had been closed even though I didn't authorize the closure. I called back today and again had to speak with someone who was English challenged. I finally gave up and left the account alone. I DON'T recommend this bank or card for anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a63086a8fc84687bae64ac3b1114d91
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{"chroma:document": "I just opened up my account 30 days ago. They hit me with a 75 dollar fee then I pay my first bill on time and they hit my credit score 39 points. What kinda of ** is this place? That should be illegal. This company clearly has no idea what they are doing. Let\u2019s just screw all new customers over. Be warned about this fake ** bank. They did this to me when I\u2019m a new \u201cmember\u201d. Don\u2019t be fooled by their **. Don\u2019t even take a chance with this place because it\u2019s a huge hassle to un** what they do to their \u201cCustomers\u201d. I\u2019m gonna making so much noise about this ** their CEO is gonna ** himself when this place gets utter ** by Bill Cosby. Shove it????"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 937a44b4714347fb9c17f415a6daf3ab
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card for my husband to build his credit back up. He now has two of them. They have done their job for positive reports to the credit bureau. One card has $99 annual fee, the other is $60 annually. BOTH have a $19.00 annual fee for authorized users, any credit limit increase has to be PAID FOR - yeah there is a charge for that too. Authorized users are treated like dirt. Any other bank I'm able to contact with a name change (marriage), or dispute a charge. Credit One requires my husband to contact them with my name change, even though if I have a marriage certificate, it's obvious that he already agreed to change my name to his. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17defb4806834c639be12a32b3311610
encoding: FLOAT32
metadata:
{"chroma:document": "I didn't know they charge Annual fee\" every month! So I called Customer service and the lady who answered my call was unprofessional and yelled at me. Yes I have a heavy accent but she also has it! She said \"I don't get your point\" or \" don't understand\" repeatedly! She sounds so annoyed by my question. Also she doesn't listen carefully at all!!! Before I called Customer service, it took for a while to get a person! All automated machine. (I called several numbers they provided and all same.) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cccfbcc78244452687430f2be1f41634
encoding: FLOAT32
metadata:
{"chroma:document": "Worst credit card ever. First they charge you for any credit increase then charge $8.25 a month, but it gets better, then they charge you $6.22 interest on the $8.25, what a complete scam, I told them to cancel the monthly fee or close my account, they offered to not charge me a fee for 6 months. I ended up telling them to ** off and close my account. DO NOT GET THIS CARD IF AT ALL POSSIBLE, YOU'VE BEEN WARNED."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59185e45e21c444ca1321221f220ac20
encoding: FLOAT32
metadata:
{"chroma:document": "A few years ago I had my CC stolen. I reported it. They said they sent a affidavit that I had to sign but it needed got to me. I complained several different times. It was never resolved. The other CC I had worth other companies resolved it right away. And they have an annual fee that is why I had to cancel my account. Not happy at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a1c3d4ffe054d20aabef68c87a57906
encoding: FLOAT32
metadata:
{"chroma:document": "I had a phantom charge appear from Amazon, here is the problem, I have never used this card for my Amazon Accounts. I called Credit One and not only was the customer service representative not helpful, after going through the explanation and obvious concern about a charge that shouldn't be there, I am told to call Amazon. I called Amazon and they confirmed that I have never used this card to pay for anything. Your credit card company is supposed to research disputed charges and clearly this does not apply to credit one. As soon as I get my return I will be paying in full and closing this account. I will make sure to send them a letter via certified mail, I will also call them and close it. I will monitor to make sure it is closed because from what I am gathering they try to do anything they can to leave it open even after you request to close it. It is really a shame they take advantage of people in precarious financial situations."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 195b80e54c94447db384c2571b55fb23
encoding: FLOAT32
metadata:
{"chroma:document": "All documents say you can pay online, the site will not work. When you call they automatically charge $10 for express pay. Why do I have to pay extra when their site doesn't work? When you tell them the site doesn't work the answer you get is they cannot do anything about it! A total scam and not a legitimate bank! I have yet to speak to a person who speaks English!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9d12011808e4bb98e4b2a7a0fc12d23
encoding: FLOAT32
metadata:
{"chroma:document": "I have two Credit One accounts, unfortunately. For two months now, when I go to make a standard, on-time payment, the bank account information is blank. I go into settings, verify my banking information and it says \"Your bank account information has been updated successfully. This update will apply to all of your Credit One Bank credit card accounts.\" Yet the change doesn't save. When I called, they said it must be a browser issue on my end - which is not the case. They will make you pay the express fee to process payment over the phone OR you'll incur more fees for being late. RIDICULOUS. All I'm trying to do is pay my bill! And the only reason why I've keep the accounts open is it will lower my credit score to get rid of them but at this point it's not worth the hassle!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b19e83a4d17410490ca638278c515e6
encoding: FLOAT32
metadata:
{"chroma:document": "Scam artists! They closed my account even though I never missed a payment and then reported to the bureau that I missed payments even though it also showed that my account was closed during those months. On top of that, even after my account was closed, they charged me interest on the closed account. Now I'm trying to get this all sorted out but I'm not hopeful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9576dcf7795a443d94f60f248b805e90
encoding: FLOAT32
metadata:
{"chroma:document": "I frequently have tried to make payments on my account and have had their website down or giving false information (over limit, late payment, etc.). Their website gives no way to contact them via email. At one point my information was entirely unavailable to me for no reason. Over the years with them I've come to believe that this confusion of their customers may be deliberate; the objective seems to be to trap their customers into \"owing\" more interest. They have limits on number of payments per month, the confusion and misinformation contribute to late payment unless an \"express fee\" (almost $10.00) is paid to ensure a payment is registered on time. Otherwise you may find that money you paid online might not be posted on time. I now believe this company goes right up to the line of illegality to manipulate their vulnerable subprime members. Be aware. Stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64638e4694704bc5a09a1aaf3b8c8ab8
encoding: FLOAT32
metadata:
{"chroma:document": "ZERO STARS! Credit One Bank and credit cards are an easy way to learn a hard lesson! They remove $75 off your credit limit for a fee right from the start. So your $300 limit automatically is $225. Their interest is unreal and if you are late, they tack on the late fees so you can't pay that in addition to what you already owed either. Don't default tho! They'll keep your account open for many months, reporting all this on your credit. Then they sell your account to a collection agency that reports on your credit too while C1B continues to report your debt to your report as well. C1B reports the balance increases each month (from an account that supposedly belongs to the collection agency), they report the accruing number of days that you're late and report negative remarks on the account that again, now belongs to the collection company that bought it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81d76304204d44eaa008321de70c7797
encoding: FLOAT32
metadata:
{"chroma:document": "At first I thought it was a good card but after paying all of my balances early I would get bills for interstate only. The last bill which was 35 days later was the last straw. It was for 1.93 interest for the prior month that I paid off early. What? So I called. They apologized and put a credit of 1.94 to cancel the interest out. I closed the card. What now I'm a penny over do you think I can get this closed out card to a zero balance. NO they don't care. So now what another yearly charge on a closed card because it's a penny over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e34ae5367de4ae9aca8241b26a750d1
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is operating in the 1900 century, when this is the electronic era. This bank doesn't allow customers to make payments more than four (4) payments per month. This is the most outrageous policy I've ever heard from a credit card company. I went to make a payment today and this is what I got \"We are unable to process your request. Please contact Customer Service at 1-877-825-3242. Message Notes 1/25/2020 Payment Limit: You have reached your payment limit. Four payments have been received within a 30-day period.\" This is unbelievable and I do not think this is even legal. No company can deny me the right to make a payment whenever I want."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e88f018d50448659444dfce791ce7dd
encoding: FLOAT32
metadata:
{"chroma:document": "Card is always declined despite having it paid off and customer service is worthless. Shredding the card, don't waste your time or money on this high annual fee worthless trash card. Better off not having a card at all so you can avoid paying for a card you can never use."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a66d8f23ba64ee7ab4dee6be135d115
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I had a card with a $300 limit. The first thing Credit One did was charge the whole $75 annual fee up front, when over the phone we were told it would be split up over 12 months. Later down the road, my husband and I were divorced, we were to pay off the card and close the account. Before I could pay off the card online, it required a bank verification process before it would let us. Then after you confirm their debits/credits made to your account a few days later, we were able to pay it off online. Then when I tried to call back to close it, they had added a $19 user fee to the credit card account, and would not close it until that new fee was paid. Due to our divorce decree, this account needed to be closed permanently but the customer service rep kept refusing to do so. He wanted to give us a $50 credit towards the 19 charge, leave the card open with a $30 credit, which was not needed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dc07f279a744ba48e499c6b148d19f9
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible system. Always asking you to verify to bank account. Don\u2019t try to pay your account twice a month because they will make you verify it through your bank over and over. The customer service representatives don\u2019t listen to what you\u2019re saying and keep over talking you and telling you not to worry. Seriously don\u2019t get this credit card. It\u2019s not worth it. Will be paying this off and closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5549b6ce54c949d4978d91e13294af7c
encoding: FLOAT32
metadata:
{"chroma:document": "I would never recommend this company. I noticed a new card was opened on my credit report and tried to look into it. Upon calling, I realized you cannot reach a representative without giving them a card number, which I obviously don't have. I finally got someone on the phone after about 2 hours of messing with it. She barely spoke English, and made me confirm my identity using my SSN. Upon confirming my identity, the lady couldn't help me further. I then spoke to a supervisor, and then a manager, just trying to get a direct line number to call back and give to the police when I file a report. Apparently, they do not have a direct line. I guess you have to wait like that each time you have to call. They did not take this fraudulent activity seriously, and were not helpful at all. As far as credit goes, I feel like this company would probably only be good at making yours worse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97588b389aea43a3a079338b68821bcc
encoding: FLOAT32
metadata:
{"chroma:document": "Since we didn't use the card, we tried to cancel the card. The operator said he spoke to the supervisor and would delete the fee and close the account. Did this several months in a row, and spoke to the operator stating they still didn't close the account. Then the operator would speak to the supervisor and was given the approval of closing the account and not having to pay the annual fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ff044cb14c244de9b9d2ae9a2069501
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card for over 15 years. I always paid online with a certain bank and account. I received a letter to have my bank send them verification that I am a signer on this account. The payment in question was for $75. The payment was paid by my bank. My account was frozen and until they receive the letter it will remain frozen and if not received in 30 days my account will be frozen and it will be reported to credit bureaus. I called as I was confused. I called my bank and the Bank President called concerned that this was a scam. The letter has been faxed. Here's hoping."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c8496d8de8f43abb5a45564bc0ca948
encoding: FLOAT32
metadata:
{"chroma:document": "Approx 6 years ago I had my life destroyed via divorce, hence my credit. For 6 years I have not applied for any credit -period! Paid cash for everything. I got a membership with Experian, including credit monitoring. For 2 years I've had this service, and for several months they kept pushing Credit One to help rebuild my credit. I was very hesitant, but after their pre approval I allowed them to conduct a hard check of my credit. Then I received an approval code stating I was receiving their Platinum Visa Card with a 2,000.00 limit. Three weeks later I received a card with a 300.00 limit, minus their 75.00 fee? LOL! If I knew the credit limit would only be for 300.00, I would NOT have authorized a hard credit check! This is deceptive, borderline predatory! Now what choices do I have? The credit check was done, which is already a negative! If I do not activate and use their visa card that will appear as another negative against me!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 599aa04b7206461bbe94810a47097d6e
encoding: FLOAT32
metadata:
{"chroma:document": "I went to pay a bill and found out my card had been maxed out. No alert. No notice. I contacted the company and they said they would have to launch an investigation and will take a minimum of 15 days. I knew that would ruin my credit score and asked to speak with a supervisor because the fraudulent charges were at a gas station 2,000 miles away while I was in possession of my card. The supervisor said it was evident it was fraud and it would be resolved before it was ever reported to the credit bureaus. It was reported to the bureau and because I have no other credit accounts my score dropped 70 pts!!!! I was livid. I contacted the credit bureau and they said they would take care of it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 462885b7a0c64ff5bb2a115d2e53edaf
encoding: FLOAT32
metadata:
{"chroma:document": "I've been trying to repair my credit rating the last year some fraudulent charges old account. Anyway got this card to help me build credit and earn cash back. I had finally got my credit rating to where I could qualify for one with cash back. Well barely cash back. Still have to pay introductory yearly fee off the balance now so more debt minus any compensatory services of the said year when I got the card. I think I got a couple of if bills paid and a few groceries. I got gas once and I know I made my first minimum payment early."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b474ac64684d478496eb4b341611c752
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT RECOMMEND Credit One. I am so sorry I signed up for this card. After using it for two months, their Web Application would not accept online payments. After several failed attempts and and continuous contact with their Customer Support, gave up and closed the account immediately, in fear of it being reported as delinquent. They stated that they would send a final bill and I would pay by personal check via mail; which I happily agreed to seeing that their Web Application is oblivious flawed to some extent. Never received the final bill and now the bureaus reflect the account delinquent. **. This company does not have your best interests at heart. Avoid them like the plague, they will not help you rebuild credit they will destroy whatever remaining score you are left with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38143524a0644abea714713f45dcfa52
encoding: FLOAT32
metadata:
{"chroma:document": "Avoid this rubbish. They charged me 25 dollars fee without any reason and refused to pay the money back. They horrible stupid service and advisors. It's not a bank it's a shame. They don't know what they do just scam their clients."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a4d40a821e54e0fa8a2207367d8b0d2
encoding: FLOAT32
metadata:
{"chroma:document": "I have always paid every month like clockwork. In February of 2019 I had multiple issues with this company. Charges that were supposed to be reversed and etc. I haven\u2019t had a credit card with the company since June of 2019 and still I pay every month. I pay for a credit card that I have not been able to use and no real compensation has happened at all. Credit One Bank is definitely high in fees and there really hasn\u2019t been an incentive for staying with this company. The customer service is terrible and I am constantly told one thing from one customer service rep. and something else from a supervisor. It\u2019s been a really bad experience. I think whether you have good credit, bad credit,  building credit or rebuilding credit, go with a different credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 200c46fea3d04e27a5451d63ea7ec9f5
encoding: FLOAT32
metadata:
{"chroma:document": "Forget this card! I had them for 1 year never missed payment, 600 limit... Always early payoffs.... So they beg me to come back by sending me pre-approvals out the wazoo for up to 2500 2 years after. I finally caved in so they give me 800 credit limit. Thanks but no thanks, I have credit lines from other cards like Discover/ Capitol One / Amex.... Some of them almost 4000. Gold diggers. Told them to quit sending me offers and declined card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c538ee8c83084c6d9415dba99f20a047
encoding: FLOAT32
metadata:
{"chroma:document": "For those of you considering to open an account, please read ALL the reviews. You will see 2 or 3 good reviews, from people that really need a card and are so thankful someone like Credit One gave them a 300 credit line when no one else in the world would. But then scroll down and you will see hundreds of negative 1 star reviews, read them carefully because everything is absolutely true. So let's look at some math: 500 credit line you start with"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90f476c501bf4900babf6dcbbabe6960
encoding: FLOAT32
metadata:
{"chroma:document": "I had a small credit card with this bank and had nothing but problems just like many others. Who in God's name is regulating these thieves? My account has been closed and paid off for six months and they are sending me letters in the mail asking me for my social security number! They say they are based in Las Vegas but that is just a mailing address. This company is based in a poor Asian country who is stealing from us hard working people. Please someone investigate!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6144f3a3ad694aa498a2db9e3fa9af58
encoding: FLOAT32
metadata:
{"chroma:document": "Be very wary of doing business with Credit One Bank. They do everything they can to ensure that you will be late on your payment in order to extract exorbitant fees. Fortunately, I paid my bill early, but just a few days before the bill would have been due they locked my online account. That makes paying the bill nearly impossible without--you guessed it--having to pay an exorbitant fee to express pay it via phone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98bce112539f4938899491de1933b169
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a 2000 credit limit and got 400 and got charged 75 $ out back for annual fee. I believe this is robbery. If some put gun to your head they are better than people who wear suits and steals from Americans."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c4d3ff982e242fb9c984c245db2e924
encoding: FLOAT32
metadata:
{"chroma:document": "They say they mail out bills. Well two months now and I have not received anything so I have had my credit destroyed within 2 months. I got this to bring my credit back up and now it\u2019s down 60 points. I am so upset that I can\u2019t see straight. Do not get this card. It is not worth it. I had to give one star. They deserve 0 stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 203c05b18c3e47c09de06c8685b0a76a
encoding: FLOAT32
metadata:
{"chroma:document": "I have had two (2) separate cards with this company for several years. I never complained about the annual fee that turned into a monthly fee of $8.95 per month. I never complained about the $9.95 fee they charged just to make my payment ($9.95 per payment, and you better make that payment with your debit card. Because even if you made the payment with an EFT check online & paid the fee, you would have to wait a minimum of 7 days for the payment to post. I called this the payment MAFIA system!). But the final straw was...Black Friday, I paid off my card with the same payment method I have been using for years. I went to use my card last week, and my card was declined. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0772c792b76c49d183ca41f0be20fa76
encoding: FLOAT32
metadata:
{"chroma:document": "I recently discovered (during a monthly review of my credit scores) that not only was I issued a card from this company with a $500 limit (Oct 27), the card had a balance of $519 (as of 12/6). Of course, I filed a dispute with all 3 bureaus and Credit One, but the really puzzling part is that all 3 bureaus list my credit as frozen (I froze it in August) and there are NO hard inquiries to my credit prior to being issued this card (which I never would have requested). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 679e747f78ec4892b802e95adcf89b26
encoding: FLOAT32
metadata:
{"chroma:document": "Crooks! Closed this account. They charged me for items I never authorized, I reported them to Office of the Comptroller of the Currency (OCC). I called this company to argue the charges. They stated that automatically the charges for credit protection was added without my consent. STAY AWAY FROM THIS COMPANY! They credited me back, LIARS & THIEVES DECEIVING PEOPLE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77dfbbba5a4041b4bd3ab120d9eb95a8
encoding: FLOAT32
metadata:
{"chroma:document": "I started with Credit One approximately 2 years ago. If I could cancel these cards I would but it would hurt my credit more canceling these cards then just keeping a low balance. The start of my problems occurred when I deployed in back in April 2019. I had to mail in documents showing that I was deployed in order to lower my interest rate while I'm deployed. I had to do this because credit one doesn't have any email apparently. So customers cannot scan documents to this company. Anyways, I continued to mail in documents for the next couple of months and someone in their mail department kept either losing my mail or shredding it or threw it away. One time you can be okay with but 4 separate times is ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f3f6279716c4c30b81f7e5f93225552
encoding: FLOAT32
metadata:
{"chroma:document": "On October 30th I paid a payment for November, however I was charged a late fee for November. When I called customer service about the issue they credited my account back the late fee. I asked the representative to close the account, she told me I needed to pay off the balance which I did in order the close the account. I was told that the 25 dollar credit would be mailed to me in 30 days. Today I had an odd feeling so I signed into the account only to find I had been charge 7.12 so I called customer service to find out what the charge was from, she said it was an interest fee???? How does a closed account incur interest. So I demanded a letter stating the account was closed and expected a refund. This is crazy and a scam. This company needs to be shut down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc500792afcb434a99cf4e2fddccf282
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{"chroma:document": "I've had a credit card with Credit One bank for five years and never been more than a few days late, 3 or 4 max. This is because I pay with a ck. not online (old school). My credit bureau shows never past 30 in five years, and I always pay more than the minimum payment. My credit limit was only 1300.00 on this acct. and all my other accts are 5k to 10k limit so this a.m. I called for a credit line increase and the man was so rude stating that I've been late 4 times in the last 6 mo. which is total B.S. and when asked to speak to his mgr. he put me on eternal hold. I called back, paid my 200.00 balance and closed my acct. and will never reapply for anything with Credit One bank. I called American Express and opened an acct, instantly with NO credit limit, my credit was so good. 5 years I was with y'all and this is the way you treat me... NEVER AGAIN!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I received offer from Credit One Bank and got approved for 2k limit and when my card came they charged me for the whole year annual fee in advance. I paid that off without complaining and every month I pay my balance min 10-15 days in advance, but every month I still see balance on my account. When I call back to support they won't be able to explain it at all. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19001a256ba0465ab05e8950528cad59
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metadata:
{"chroma:document": "My only reason for applying for this card was to pay for work-related hotel expenses. They gave me a $200 cash advance without me asking for it, I returned it. I got a refund for a web site membership in July and had disputed the charge because I had received no response from the website's customer service despite several attempts to contact them. Paid the card off later that month and asked it to be closed. They informed me that I had lost the dispute and charged my card $160 on August 2nd without even telling me!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 185d1b50acee40dfbfbfb42838a46ed6
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metadata:
{"chroma:document": "Stay far away! Terrible agreements with way better options out there. I applied for the card and was approved, after reading the terms I thought better and opted to not even activate the card, couple days later received my first bill. Lol got a bill before I even activated. Anyways called up to make sure my account was closed and the representatives couldn't speak plain clear English. They tried to up my credit line to keep me but I refused and asked to have my account closed again. He very quickly rambled something off in his broken English with an attitude, which I didn't understand, and as I was asking for verification that my account was closed he hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe04c7c2f4de4e9cb62e453b35a9ccac
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{"chroma:document": "While I appreciate Credit One as a company willing to give credit to those with bad credit, a find it a MAJOR con that they downright harass you about late payments. I mixed up the dates on when payments were due on my cards and paid one a few days early, and was late on the other. I would have caught my mistake a few days later and paid it before it showed up on my credit history as late, but I wasn't given the chance. THE DAY AFTER my missed payment was due, I started receiving calls. I keep my phone's ringtone on while I sleep due to the nature of my work, and I received SEVEN phone calls between 8 am and 1pm ON THE SAME DAY. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbb1b890a9ec40aca05e9289ce58fc3b
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{"chroma:document": "Open a credit card with this company to help rebuild credit. I have made two payments online using checking account information and both were sent back. This is the Credit One's bank fault not my checking information. I went ahead the first time and paid fees involved with that payment being returned figuring that maybe I entered something wrong in the information so instead of using my checking account I deducted the first payment out of my savings and paid the fees however when I went to make the second payment using my checking account again it did not go through again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I had a credit card with them and decided to close it. Years later, my credit score suddenly dropped and when I checked it, I realize that I had ANOTHER different credit card with them that I never even received. Now I'm living abroad and it's practically impossible to communicate with them to close that credit card. Meanwhile, they continue charging me money every month with no reason at all. ** crooks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b5b42e19ba34fbb97c5c5df0302b633
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{"chroma:document": "I have always paid Credit One Bank on time, out of the SAME checking account, although I always paid by debit card. I made an Express pymt. a couple weekends ago, but for the first time noticed the option was there for a direct payment out of my checking account (like PayPal offers), so that's how I paid. BIG MISTAKE. Though the payment WAS in fact deducted FROM my checking account WITH NO PROBLEM, my card was suspended until I provided THEM with a letter from my bank confirming that it IS in fact my checking account!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7edbcf62b30540cabb3858b8378a2c96
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{"chroma:document": "I have been asking to have an authorized user removed since 11/8/19. I was told on 11/8/19 it was completed, and I would receive a letter stating the user was removed. I called on 11/12/19 due to not receiving the letter and was told the user was still on the account and it had been a glitch and not to worry. They were fixing this and the user would be removed, and I would get a letter and to call back in a couple of days. I called 11/14/19 and was told the system is still processing the request and to give them a few more days and it would be completed. I was told to call back on Friday. I called back on Friday and they stated the user was still on my account and that they were closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 001a747d2fd841b2a2a8aadb55191d51
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my card for a few years, I made my normal payment no biggie right! Wrong! I go to make a payment using my debit card. It's declined. I look at bank statement and Credit One withdrew that same payment twice, resulting in my account being overdrawn, if this was just a few dollars no big deal but almost 700 dollars. I instantly called credit one. Was told they only processed one payment, im like no you did two, was told to call my bank, i did. They gave me two trace id numbers and told to call credit one back and give them the numbers. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ade6149eec054c97afdabbf5eba5541f
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metadata:
{"chroma:document": "I applied for their credit card that uses the American Express system. Has a $39 fee but thought it was worth the fee to reestablish credit. I wasn't immediately approved, said they needed more information. Received a letter a little over a week later asking for proof of identity. I returned a copy of my driver's license and social security card as that is what was specified. Three weeks later I receive a request for w-2, pay stub & utility bill. At this point I feel like that are making me jump through hoops for what may turn out to be a $500 card with a sub rated bank. I think I will pass and am sorry I sent the other documentations. After reading other reviews, I'm glad I didn't get the card. Beware of predatory companies with terrible customer service. My call after applying to see if I could email or fax information was handled by poorly trained and rude customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3cb02e004dc4fd08cd50c6864370fc5
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{"chroma:document": "So I went to make a payment in October by phone. The automated system says, I had no payment due at that time. My next payment was due today, November 8th. I received a call from them earlier today saying I was 31 days late on my payment. Smh! They say my $30 payment wasn't enough and that I was supposed to pay $33 and some odd change. So they are saying it carried over to the next month. If this was true, why didn't the automated system say that when I tried calling to make the payment in October. Not only is this a bait and switch company. They give you low limits, charge extra fees to pay by phone, and they ruin your credit with their unscrupulous practices. All someone from the company needs to do is come here to see all of the complaints. The representative was neither helpful or fair. Neither was the supervisor. They should not be able to get away with ripping people off and ruining their credit. It is neither fair or right."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b758989f7c7e4542a8c59b5f307f50d1
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{"chroma:document": "I just received this card Oct 2019. My first payment was due 11/08/19 but I paid half of 400.00 on 11/01/19, it' shows paid BUT NOT showing \"credit available\" as of yet (?), not even from my bank account, I AM getting VERY NERVOUS. My only other issue is I can't even call them because I am deaf and can only use texts or email. Any opinions? Please?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7e10a3dfa8d4e598af18e5a74be1bfa
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metadata:
{"chroma:document": "At home one day, mail comes. Credit One envelope addressed to me is in the mail. Open the letter, notice that it's a typical (here is your card), call here to active type of thing. Not the least bit interested. Cut the card up, throw it away, continue my day as normal. 1 month later, get an unexpected bill from the same company Credit One, for an account that I (Never opened) for a Card that (I cut up, threw away and never activated). Am I missing something here? How can someone get charged a fee for an account they didn't open, for a card that was never activated, for a bank they didn't even know existed? Again, am I missing something?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "The customer service department is by far the worst! If you happen to be behind on payment by as little as 24hrs the harassing calls will begin. They have called constantly 4-6 times throughout the day and even call during the weekends. I just got off the phone with one of them and I must say I am so happy that my final payment is in the mail and my account is closed! (Btw they will close your account without warning and send out your statements late.) They don't even bother sending emails or warning letters. They just call and annoy their customers instead. This company functions more like a collections agency in regards to customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b46a2f396cbb4f8a9b341f457f1b357a
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{"chroma:document": "While on a trip to Europe a card issued by Credit One was stolen and used in a different City than the one we live in. We never touched the card, or saw the card. Credit one is stating they investigated saying we used the card. This is a physical impossibility as we were in EUROPE during that time. Crossing the English Channel at that time. We have filed a police report and even provided our other credit card copies and ATT cell bills showing us using our phones and other credit cards at the time the stolen card was used. This has impacted my credit score and other credit limits. This company is a nightmare. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I signed up and got a credit card from Credit One Bank. I\u2019m having some issues with my credit and I was looking for ways to improve my credit score. They approved a credit card for me at A maximum amount of $300 however they do take $75 of that money right away so you\u2019re basically only getting $225 credit line. I used the card because I was out of work due to no fault of my own for a short period of time. My first payment was due and I believe it was $25 that was the minimum balance. I didn\u2019t have too much in my account so I paid $30 on the Credit One app. It showed that I paid the $30 on the app for several days. After realizing that the money was still in my account I went to the app and I was locked out and it said to call customer service which I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I closed and paid off my Credit One card 6 mos ago and opened a credit one card with a lower credit limit. I keep getting statements re: my closed acct monthly even though I've called and have proof in a letter they sent. I called yesterday to once again try to get this fixed. I called and had the same problem with a female rep I've had before with her rudeness. She wanted my full social security number in order to help me even though I gave her my last 4 digits, address, phone number and password. I've talked to other reps before who have been able to help with last 4 digits only and no credit card company asks me for my full SS # anymore just last 4. She stated she was then not able to help me without my full SS #! I asked to speak with a supervisor she put me on hold into utter oblivion because after 10 minutes no supervisor came on the line. Did she perhaps not want to get in trouble? I hung up and called back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I received repeat emails inquiring about a check that should have been received for $250 and instructing me to cash it citing a $20 cash advance fee. Thinking it was a loyalty reward, I did so. Turns out it was just $250 that posted to my statement balance + a $20 fee, which was then reported as used credit to credit bureaus. Despicable business practice with misleading marketing. Don\u2019t use this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83829b351f6f4ce3bca5bc1d50e771a2
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{"chroma:document": "So I made a payment in full using their express payment service. I got billed twice for the fee!!! $20 for a $300 payment. I called customer service 3 times and each time they told me, \"Yes that is correct.\" I didn't agree to two fees. I only agreed to one fee!!! How is this even legal? On their website it says a fee of 9.95 for express and your credit will be available within 24 hr. FYI that is a lie. Over 5 days later I am still waiting for my credit but the best part, cash has been withdrawn from my account already. Wow so if you decide to get a Credit One card customer service sucks and no one speaks clear English. They can't help with fees nor do they listen to customer's concern."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64cb21de0c7440d1b6219e21d0d6d9fa
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{"chroma:document": "My husband and I both have credit one cards. I made a payment last month and it got deducted from one of our savings but not the correct one. I called to try clear it up and they said I gave them the incorrect numbers. I told them I had spoke to their rep and gave her all the numbers right off paperwork. They did nothing to help me. I got a 25 fee at bank, a late fee from them and negative the amount I owed. The next time I paid they did it again. I called again and still no help with fees, took info again on correct numbers and supposed to take all other account info out. This week it's happened for the 3rd time. We will never open another account thru this company. It is the worse for cust service. Won't fix anything and refuses to help you with issue. Have to pay 9.95 to pay with my debit 'cause they evidently just want to screw you with fees at your bank and with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Customer service is a 0 out of 10! Out of every business you can complain about customer service this is the worst of all in 2019 / 2020! Why would anyone work for a company who only says \"I'm sorry\". My payments are on time and they have a false fraud report to my card and my wife. Impossible. They are in trouble and are going to blame good standing accounts for them buying to many yachts or hookers or something.... talking to them on the phone is pointless. They will repeat everything and they hire anyone who has no soul or conscience. Do not hire anyone who worked for credit one! The bottom of customer service is Credit One. Can we expect more please....do you remember 1800 collect scam, AOL and reviews of comcast before they listened to customers...this company is why America can never be great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 107422a8be1646d0a7943fffada93e4c
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{"chroma:document": "This is the worst experience I have ever had with a credit card company. It seems no one there understands English and the supervisors never call back. I applied for a card over 2 months ago and all I get is \"Your card is pending.\" I have emailed and faxed all of the information asked for but I can never get a clear response and sounds if they are reading from a script."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07ea607d308040cdabcbf8b5f54e778a
encoding: FLOAT32
metadata:
{"chroma:document": "Too angry to write. Just please stay away. There are much better cards out there to rebuild credit. This company needs to be shut down!!!! This card exists to steal money from people. I don\u2019t know how these scammers sleep at night!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c2ee26acef14b238ea8f10b253d1395
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{"chroma:document": "I received a new Credit One credit card. I never used the card so I didn't register it. Within 2 months, Experian advises me that my FICO got hit due to late payment. I register and learn I've been charged $130 in late and other fees. Total scam!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e463c18f031543f18115040e1443f602
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{"chroma:document": "I called about a missing card in my online account. I can no longer access or pay this card online. I called to see what was going on and the lady on the phone basically said I cant access my account because she cant verify who I am. I gave her all my details and then she proceeded to ask questions. I never picked any of these question for my account. I can't pay my bill and no one can help me! How is this even customer service. If you can't access my account and I can't access it how do expect payments to be on time or even go through!! This is the worst company I've ever dealt with!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64475124d4c9479d8962a10ba3371dec
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metadata:
{"chroma:document": "STAY FAR AWAY FROM THIS CARD AND THESE PEOPLE! I hate to be so unprofessional with my review, but I am beyond pissed off with this company. It's what I deserve after reading such bad reviews on the company and card to begin with and going along with it anyway. I needed a secured card. At the time, I didn't qualify for a Capital One Secured Card which was recommended. So I went with this 3rd world, back alley, shady, company. NEVER do it. I applied for the card. Honestly everything was going great up until the end. There was fraud on my card -- it was from Amazon, someone had charged the card over $200. Obviously I immediately called them and informed them of this. The only good thing they've ever done was issue me a \"temporary credit\" of the lost amount (which took almost 3 weeks to put through) and gave me a new card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe7ec802a0704417abd3520ea6de9e0e
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{"chroma:document": "Put it like this. This company will make mistakes and want you to pay for them and then I realize that you're someone who catches on. They will begin to suspend your account keeping you from accessing what it is you actually owe. Just to think if I had no account access I would never have known from the start of the wrongfully late charges. Hate this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccaf89cb67b84e618cd4db297b7a5a91
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{"chroma:document": "Let me start off by saying I didn\u2019t have this card to properly form an opinion about how it works. I got a preapproved offer in the mail around June 15th 2019. Signed up that day. Said my card would be shipped and received by June 30th. Did not receive it, called customer support. They sent another card out. Waited two weeks, nothing. Called again. Sent another one out. I actually got my last 4 digits this time. Two weeks pass. Never got it. Called to cancel because they're playing too many games. Do not bother with this company. GO TO CAPITAL ONE. I got my card thru them within a week. They approve basically everyone. I have NO credit and they approved me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 132f005a346542469ae398b4c8ea3a60
encoding: FLOAT32
metadata:
{"chroma:document": "I reported unauthorized use of my card in a timely manner & they still REFUSE to pay for the FRAUD, their lame excuse is it was used in the same geographical area. I told them I had 2 debit cards with unauthorized charges and they said fax them the proof of the other FRAUD as they have no email to send things to. I've been arguing with them since March and me refusing to pay for things I didn't charge has dragged my credit score down from a 625 to a 522. WORST CREDIT CARD EVER. A $300 card is now over 400 due to late fees and interest on charges I didn't make. WHO can I report their unethical behavior to??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 692256b692a74ea8b0f7b1616ca1949b
encoding: FLOAT32
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{"chroma:document": "First of all they outsource customer service overseas and every single rep I have talked to speaks broken English with a thick accent. You'll have to repeat yourself 5 times on every single question they ask you. They closed my card without me knowing and no valid reason could be given. Telling me the balance over the phone and will lock your login so you can't see it for yourself. They also refused to mail me my statement so I could see it for myself. Waste of time. Overall 1 star rating, I should have looked at the reviews first. The most shady company I have ever come across. Save yourself time and headache and get a secured credit card or try Capital One. Please, please don't get a card with these scammers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e10f886d67f41df821ce1f7d7a2f5e1
encoding: FLOAT32
metadata:
{"chroma:document": "I just got the credit card last month and my has a joint one as well. Long story short I tried to close the account several times but it\u2019s always something with these guys. He told me my account is close but I will still get statements for 3-4 months. Tf?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8988490065d64e78a11b5bc1422ef513
encoding: FLOAT32
metadata:
{"chroma:document": "Do not sign up with this company. I thought using them would help my credit, but instead knocked my score from 700 to low 600s due to late payments which is not true. They put a late payment and penalty on my account on a zero balance except for an 8$ annual fee paid monthly. That's how they get you. I thought I had a zero balance. They report to the bureaus as soon as you are a day late. This is the only account on my report that is showing late payments. Called them and they would not remedy so I closed the account after fighting with them and being transferred to multiple managers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5422d0eb11c4985a00bb89a5cc77d60
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{"chroma:document": "I have been a customer for about 3 years. Had never had a problem. Paid my bill every month on-line thru the app. I hadn\u2019t used my card in a few months in a effort to pay the balance down. I new the expiration on the card was coming up and had received a letter about my new card and if I didn\u2019t want a specialty card my new card would be coming in a few months. I didn\u2019t think anything about it. I always go back on to make sure my payment was credited and noticed the available credit was $0. I thought that\u2019s not right so I pulled out my card and saw that it had just expired. I called customer service to have the new card sent and was informed that the bank had closed the account. So I inquired as to why it would be closed. The representative told me that I hadn\u2019t used the card in a couple of months and wasn\u2019t paying enough over the minimum payment so they closed the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This will be the second payment I want to send in to Credit One, and suddenly they want to verify that my pay account is legit by making a few small deposits that will be available in the next few days. However, the bill is due in three, this procedure will make the payment late, so they can charge a fee. They also make sure that you are unable to set up Auto bill-pay through their website. This is a service they do not offer, because they want their customers to pay late, so they accrue late charges and fees. This is definitely a third rate predatory lender that purposely makes it impossible for their customers to reach out, and even pay their bill. All they want are the predatory fees. Stay away! There are far better Banks to use to re-establish one's credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4665413b2f9845a0bc8c55860cf8f002
encoding: FLOAT32
metadata:
{"chroma:document": "I had someone hack my account by calling Credit One who allowed someone to change my address. Once they changed the address, they requested new cards and then made payments on my card and then used the cards. When I called to report the fraud, I had to verify my information and provide my security answers. When I asked why they did not verify security answers when someone is requesting an address change, they had not response. Now I am trying to make a payment on my account (which I have closed) and it is stating I have made too many payments this billing cycle and therefore, cannot make a payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4274fd1fbc364589b886df065b48faf8
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment August 28th 2019. They pulled out my money from my bank and have the audacity to say I did not make a payment. I spoke to every manager. They treat you like you are lying. I have sent them my bank statement showing them I paid and they got the money!! They still gave me a hard time and they continued denying that they received a payment. They are so disrespectful!! Am so offended. Am going to file a claim on my bank account that they are fraud!! Stealing money from people is messed up. They need to get their ** together!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcd200e58431437198941dacf3c8d9dd
encoding: FLOAT32
metadata:
{"chroma:document": "I had a problem with a false charge (scam) to my account. Their customer service number is automated and has no option to speak with a person. I had to go through fraud option just to speak to a human. The person answering had such a heavy accent It was very difficult to understand him. He told me I had to write a letter (hard copy) and send it through US mail to start a dispute. How antiquated is this approach???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8aeed5872d147668f3cfdfa181a5d99
encoding: FLOAT32
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{"chroma:document": "I forgot I previously paid off this credit card and closed it out a few years ago because they were horrible. When I got the offer and accepted my new card, it only came back to me that this was the card company when I checked on my application status after almost 3 weeks and saw they haven't even shipped my card yet. We live in a digital and technological world now. It does not take 3+ weeks to mail a card. When you call, be prepared for a very aggravating conversation with a rep overseas."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d496cb795204f809e358348d559dead
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for years, last year I paid my balance down to 0$, every month I am billed an annual fee of 8.25$ if I forget to pay this because I literally have a 0 balance. I am charged a late fee of 35$. Basically I am paying fees upon fees for a card I never even use. Do not give this company any business. They are a fee driven service. They harp you with collection calls from India for 25$ overdue, and when you need to talk to someone it is merely impossible. Everything is automated. Highly dissatisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34612e02c6104be78df83325397cc5b0
encoding: FLOAT32
metadata:
{"chroma:document": "I have used them years ago to regain credit; it helped. But when it was time to leave; that's another story. Make sure you send them in writing certified mail and make no purchases for two months and ask for a new card to make sure no unforeseen charges get applied. This was back in the day every charge had a service call connected to it...but they are in the business of keeping you in financial whole; not helping you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5564981cfb6c4a3fa7ddf99c6ed8ecff
encoding: FLOAT32
metadata:
{"chroma:document": "When my card was set up I entered my banking information to make payments. I found it rather ridiculous that there was no way to enter my debit card number because they DO take debit card as a form of payment. I must have made a typo with the routing number, that was my fault. However, when the payment didn't go through my card was closed. The card closed, problem solved, payment made and card reopened a full 2 weeks before I was even notified of the problem! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fc6f78df47f41d5a0ae3cf3ac6aceeb
encoding: FLOAT32
metadata:
{"chroma:document": "Listen to this folks, my entire family just came down to live in GA, so we all have the same last name of course and do live in the same house under one address, so I applied for a credit card. They approved me but the next day wanted identity proof and address proof, well I made copies of all documents that were requested and mail it where supposed to. I waited 2 weeks and no call, no email, so I made a call asking what is going on. These jokers told me, \"Oh we did not request any paperwork from you, your application was declined!\" Can you believe this BS. Anyhow so I let it go."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b6d96d2a5894ef391ebc76e4c9ce1b5
encoding: FLOAT32
metadata:
{"chroma:document": "I applied to Credit One Bank last year, trying to build my credit. At the time it gave you a $300 credit limit and there no signs of the added fees to the card. I spent a good portion paying for groceries and helping getting my car fixed. Now as I mentioned, the credit limit is meant to be $300. What they don't inform you of is the $75 fee, just for making your first purchase. So at the end of the first month, I owed $325, because of the added fees and interest. I tried to contact Credit One to receive some answers. You soon find out that the \"company\" is a scam company where they and certain other \"companies\" will give you the opportunity to receive a card but charge you almost 150% in interest just for making that first purchase. They also charge you $99 a year, over the year."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ce87ed515444f958b037717040ee7a5
encoding: FLOAT32
metadata:
{"chroma:document": "Don\u2019t apply for this card...even if your life depends on it. I applied and was approved but never received my card in the mail. When I called to tell them, I was told they would \u201clook into it\u201d. A few days later I received 4 pieces of mail, all with different inquiry numbers, telling me that I could be approved for a card because...You have an account with us that is either still open or is unpaid. Seriously?!? Is this for the card I never received?!?! Funnier still, the \u201ccustomer\u201d guy, who is obviously ESL, tells me to just wait a couple of weeks and reapply!!! I hung up and attributed that suggestion to language and cultural barriers and not insanity...because I\u2019d have to be INSANE to ever apply for this card again!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f4eece1395847bfa4e2a5a0377b8a07
encoding: FLOAT32
metadata:
{"chroma:document": "I have credit around 650 and am working on raising it so getting a credit card. This company sent a letter saying I was preapproved for $2000. I got the card and it has a limit of $425 credit and $125 cash advance. They charge an annual fee up front of $75 on the first billing cycle plus $19 to add an extra card (for my daughter). I spent around $400. And went to check payment due date from the customer service number on the card. They said I owe $535.41. I checked online to view my statement for transaction history but it only showed the $94. No transaction history and didn't explain that charge either. The representative I talked to next from the customer service number said she didn't know why my transaction history wasn't showing up. That I needed to call the tech support on Monday. Closed weekends. I decided to call back and just pay since it's due on the 18th. Which is weird also since the billing cycle ends on the 22nd."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94002742e2074c549d051d2dfdbd8bc8
encoding: FLOAT32
metadata:
{"chroma:document": "I was invited to obtain an approval with Credit One Bank for $1000, but the card came with only $300 and a $39 annual fee. I used card couple times, paid off entire balance first month but they would not release funds for 7 days even though their website showed my account was updated following day. I tried to use card at McDonalds for $17.00, but Bank One only allowed me $15.00, they placed a limit on me even though my online account with them showed zero balance and last statement paid in full. I called customer service which they don\u2019t advertise or list in their automated system, you have to hit \u201c0\u201d to get a live person. They told me my transaction for the McDonald's was paid for the $17, but online says only $15. I had to used another card with my bank to pay balance of $2.00 which I have receipt for. They would not cancel my account, very unhappy with company and customer service. DON\u2019T USE THEM!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afdf9106426d44ba8e6aec7b78e1eb78
encoding: FLOAT32
metadata:
{"chroma:document": "HIGH INTEREST RATES: I would not recommend this card. It was easy to get, but the interest rates and credit protection charges are high. So, it's really hard to get ahead if you're trying to pay down your balance. For instance, after 6 months of making just minimum payments, I only paid down $150 out of $1,500 total."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a197e17705f34f44aa4f29e655aabe6f
encoding: FLOAT32
metadata:
{"chroma:document": "I was charged return payment fees 3 different times and a late fee charge by them and when I called for reason why I was told because my account I entered was incorrect. I told them that I use this account and debit card for all my payments and never had an issue. They had no explanation on why other than I owed them the $122.95 in fees. So closed the account. THIS COMPANY IS A JOKE!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a0a223d270040e6ac0d876ac3a84386
encoding: FLOAT32
metadata:
{"chroma:document": "The number provided for their customer service department is incompetent. You can call multiple times and get different answers each time. Other banks are far better when it comes to taking care of fraudulent charges. I have been trying to dispute a charge for a few months and they haven't been at all helpful. I will be closing my account with them as soon as I have it taken care of."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb87b3cb2e76440da71bcc18f326497d
encoding: FLOAT32
metadata:
{"chroma:document": "I got a pre-qualified offer for a Credit One Bank Credit card with a credit limit of $1000. After I applied I actually ended up getting a credit card with a limit of only $400 and a fee of $37 was immediately applied just to open the card. The fee was immediately due. It's impossible to contact customer service & to close the card. There is NO message Center via online. There are unnecessary yearly fees with no rewards. A very useless credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 132ffaa3bde941ffbc5e1ecb3346ea3a
encoding: FLOAT32
metadata:
{"chroma:document": "I contacted Credit One bank customer service representative and he told me that I need to cancel my credit protection plan to get a cash advance. I called the credit protection plan to cancel the service and the next few days after that, I received a document that had available credit. Then the next day my account was temporarily suspended. Had I known that I would have never cancelled my protection plan. I never thought credit card companies would give misleading information. Now I will start receiving calls from a collection agency. I will never refer anyone to this credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8dc5a670610a4dc09c966a9d48d61d81
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account thinking that it was a good company, I was wrong. Once I opened the account and provided my banking information they did the usual account deposit and withdrawal and ask you to verify the amounts. I did that online. Then they suspended my account and sent me a letter requesting that I go to the bank and get a letter of verification that it was indeed my account. I did that and mailed it to them. My account was still suspended. I called and was informed that I was late on a payment, mind you that I had yet to charge anything on the account. So I provided my bank account information and they accepted the payment. My account was still suspended. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7f7ff4f9d934313ace6a5f70765d077
encoding: FLOAT32
metadata:
{"chroma:document": "I can't pay my bill online or over the phone. I'm very upset. Now I'm going to get sent to collections. I should have never got this stupid card. Thank you Credit One for screwing me over. I will never go though them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10438518b0e44558b42daf38ae477fb6
encoding: FLOAT32
metadata:
{"chroma:document": "I got a card with Credit One Bank because they sent me an invitation so I went through with getting the credit card. I used the card for ONLY one purchase which was an Uber ride home from work on a Wednesday. So Friday I called to make a payment. The lady told me my balance is $83.06 for an Uber ride that cost $8.06 so I'm paying $75 dollars a month for a credit card that's **. So I paid the money owed and closed the account I would never get a credit card from an unknown company again. And I tried setting up an online account but there website had an internal problem I found out by calling customer service and spoke to their tech department."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11e7e971452647bd8ef04c253ac07d21
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One charges you a yearly fee. This I did not see prior to getting card - my fault not theirs as it is in the fine print - but once you have the card you get the charge regardless if you decide you do not want the card. So I figure, my bad, and I pay the fee. But then I get billed 1.31 for interest on the 75 dollar yearly fee. So I pay the total once again. Now I have yet to use this card. I don't even want it but I am stuck with it so I will make it the emergency card. So I paid the yearly fee in full. I paid the interest on the yearly fee in full. Today I get billed yet another 75 dollar yearly fee. I try to contact their customer service but I get dead air. Now what? If I do not pay this extra fee my credit (which I am trying to improve) will take yet another beating. This is not good. Not good at all. Set up for failure is what it is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7387520e811e4d45ae14a56b9763ec4c
encoding: FLOAT32
metadata:
{"chroma:document": "I had a bad experience when I contacted customer service. Jeff starting asking all these security questions. As I was giving him the information his the tone of voice change when I was trying to give him my password which I thought was unusual. Finally, I told him that I wasn't too happy with his poor service, he apologized several times and I requested someone else or a manager, instead, he assumed that I speak Spanish and he ended by transferring to the main menu where there was Spanish assistance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3b3a1dc69874d05a9262f1042eeed0b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had Credit One Bank for a few years, and I don't know when they decided to send over their customer service to the Philippines! So hard to communicate with them and they don't ever know how to answer simple questions. Also, beware of this card!! In 3 different occasions my card was being used in other countries, took almost all my money available. Also for some reason my billing address was completely different than what I submitted. This card was easy to commit frauds and charges! Stick to a bank that is well known, this one will cause problems!! Also, I don't know how hard it is to close an account. I called and it was a nightmare to close it!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6936ace77234fa6a8e51fc95b4c763a
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is fraud they apply false service charges late fees and lie. I caught them then they removed the charge but that is not good enough. These unfair lenders need to be stopped. I was charged 60 annual fee the same day I paid off any balance on the card then 10 days later I was charged a 28 dollar late fee but before that they suspended my card. They said due to non payment but the card was paid in full. Then customer service proceeded thru 3 managers and in the end the guy was yelling at me. I told him to cancel the card and they back tracked. Finally I got it cancelled but they still charged me an annual fee even though I paid the fee in the beginning because they gave me 600 credit but charged the fee to the card so my available credit was only 510 dollars. What a freaking burn."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93746c1b06ad4c7eb900b43777bdd118
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for a credit card with Credit One Bank almost three years ago. It was great to be able to qualify for a credit card after being declined by almost every other bank due to my low credit history. However, I am dissatisfied with the level of customer service. You are unable to call in and reach a live agent who can assist you with your account. Their online portal is very outdated and has limited functions. When making payments, it can take an entire week for your available credit to increase. You are charged interest regardless if you pay your balance in full!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fbce0b41d55490da7ca567a325e402f
encoding: FLOAT32
metadata:
{"chroma:document": "I would not recommend this card, there are other cards that are similar that I got and have no problems. Fairly easy process to get the card, and very useful to have a card to rebuild credit, but after using it for months and making payments, once I used my bank account to pay instead of their high-fee debit payment option, they froze my account and require a bank verification letter to prove I am authorized to make payments from my own bank account? Keep in mind there is no problem with my payments clearing, but for some reason they said they think another family member is making the payments?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd0ef37c5a37455ba4ab4dc4180fd0ed
encoding: FLOAT32
metadata:
{"chroma:document": "I will be paying my card off as soon as I can. First, the customer service stinks. I don't understand why you can't communicate via email or their website. Also, make sure you read fine print. They sent me a check for a credit increase and when I cashed it, they now charge you a separate interest charge on that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abf3bcd7b452448c8cbee427e3231cdd
encoding: FLOAT32
metadata:
{"chroma:document": "You can have a zero balance with all of your credit available and your card can still be unauthorized at the POS. That is ridiculous. When you call, they may offer an explanation of \"There was a temporary hold for suspicious behavior\", however they can't tell you why it was suspicious. It's difficult to understand some of the reps' dialect which makes the call even more frustrating. If I am in my hometown trying to make a $30 purchase and have over $2000 of available credit, I need to know why my card was declined, in detail. Not just that they will now remove the hold. This card sucks. I will be paying it off, closing it and cutting it up. Save yourself the embarrassment and do the same."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e2256550c0f45a1be81d5c6a754c0d6
encoding: FLOAT32
metadata:
{"chroma:document": "On May 28, 2019, I received a call from the collection dept of Credit One Bank saying I need to pay 59$. I told the representative I would be paying it by June 4. I put money into my bank that pays my bill for Credit One then proceeded to take another 59$ on June which in turn gave my other bank insufficient funds which billed me 36$. I contacted them on June 12 about this. I spoke to a supervisor he told me to send in documents from the bank which I did to received a refund check so I can send back to my other bank to cover the fee. They claim they never received it so again I sent a fax on the 3rd of July to them. They received the fax today about the issue yet spoke with a supervisor named Janet. She told me they do not cut refund checks yet 2 other supervisors said they would. I'm done with bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99634848e8154b6e97174b9c180ed723
encoding: FLOAT32
metadata:
{"chroma:document": "Anyone who has a Credit One bank account should note that when you make an express payment, you are charged a $9.95 fee. But, what you didn't know is that the bank then charges your account again the same amount. Credit One has not released a statement yet but all cardholders need to look at their statements immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06c5f02c32354370af78027c9f314504
encoding: FLOAT32
metadata:
{"chroma:document": "My account says automatic payment when I log in and look at past payments, yet I was told by the representative that they don't offer automatic payments. Now I am past due and get literally 10+ phone calls a day. I told the representative that the fact that they don't offer autopay makes it seem like they intentionally want consumers to be late. She had nothing on that one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1954e8516d6941c0884922342767501b
encoding: FLOAT32
metadata:
{"chroma:document": "I made 2 payments in the same month and Credit One blocked my card. They forced me to go to my bank and provide a verification account letter. They are unscrupulous and provide poor services. They said the reason it was blocked was due to their anti-laundering policy. When I provided everything to them I told them I wanted to cancel my card. They said if I did not wait for the validation to complete they would put on my credit report that the account was closed by the bank. I have to now wait for validation to complete before I cancel. I would not recommend this company to anyone. They appear to be quite shady in their business dealings."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12b844a20caa4268b5fe4f7fecf74e2a
encoding: FLOAT32
metadata:
{"chroma:document": "I went out to Credit One website to make a payment today. I then got an error message that I have made more than 4 payments and I cannot make another payment this month. I called and said I want to make a payment. After talking to a manager I was told to send it in via Western Union. I am paying this off (as soon as I am allowed to make a payment again) and closing the acct. Is it even legal to not accept a payment???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91bf041d0b5647f2bb6cd12712f623d9
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been with the company for a while now, trying to build my credit but there seems to be a problem every time I make a payment. I made a payment on 6/21 with a positive balance, the payment was taken off of my bank card on the 6/24 all to end up with a negative balance because a payment from May \u201cdid not clear.\u201d This is a scam, save your money and get a credit card with your actual bank. You will spend ridiculous amounts of money trying to build credit, when there are better ways."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8daa3458073c4f06b4dcf81a3e1bb50c
encoding: FLOAT32
metadata:
{"chroma:document": "We got this card to build my husband's credit. They charge you an annual fee but they break it up into monthly payments so you'll never truly carry a zero balance. Not to mention they charge you interest on that fee. A couple months ago my husband lost his card and it was found and used at a local gas station. We disputed the charges, got our money back and all was good. Until we got our new cards in the mail. I activated them only to discover that our cards were used again at that same gas station for the same amount as the first fraudulent charge. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 448481410e0342b39751aa6478843dc3
encoding: FLOAT32
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{"chroma:document": "I have 2 cards thru this bank. Had no problem until I made a second payment on one this month, I thought that would be a good thing? But since I had already made one online, pay all my bills online. It said that I could not make another payment until I verify my checking acct. again? I thought this was strange but it gets much worse. So I entered the 2 small deposits they made in my acct. And it said my acct. was verified. Now I can make another payment so I did, it just so happened that I had some extra money this month and wanted to pay down some debt. So I made the 2nd payment. When I checked my checking acct. I saw that they took out 3 payments instead of 2. So I call them, always get the same man I can hardly understand and it seems like he's the only 1 who works there. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a8a72f9a4234d8a8bdb80cead6132f2
encoding: FLOAT32
metadata:
{"chroma:document": "This card is easy to get approved for, then it's a nightmare. High rates and if you pay too much they lock you out of your account and make you pay by phone and try to charge you a ONE TIME FEE every time you pay by phone. You cannot set up a automatic withdrawal. Customer service just reads off a script and cannot help solve any problems. Will not lower interest rates. This is a BUYER BEWARE card. Go with another company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6452d0f9bc249978d2f3f44947dd3d8
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for over 6 months. Never missed a payment. Even paid twice a month. Received advertisement when I applied that stated line increase After 3 on time payments. I have paid 6 on time payments and denied increase. Spoke to manager John who called me a liar and said the computer tells them when to give increase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c12ef6e0059416a89ad1c13a773a682
encoding: FLOAT32
metadata:
{"chroma:document": "Worst ever. We sent our payment in 4 times and they keep rejecting them. I called. They said it was our bank so I called our bank. They never got anything nor seen a declined transaction so I called them back to explain to them and all they keep saying is \"It's not us. Call your bank.\" So I then asked for management. Was told no one was available. So I said I would wait. I waited over a hour for one call to get disconnected. Called back. Waited 45 mins to be disconnected."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d1b0b45bf334894bfd06a21ae955dcc
encoding: FLOAT32
metadata:
{"chroma:document": "Credit card protection is not worth the money. I have paid it for many years got layoff and didn't call the day after the layoff. If I had called it would only pay the minimum balance for 6 months. However, they will continue charging an annual fee, interest and credit card protection fee and your card will be frozen so you can't use it. It cost me about $15 per month for 3 years ($540,00). The only benefit is about $60.00, not a good purchase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dc10de105c14daabfce8f7a5fb1b634
encoding: FLOAT32
metadata:
{"chroma:document": "I received this Credit One Bank credit card the first week of May 2019. I have had nothing but problems! I made 4 \"express payments\" which they charged $9.95 for each and now that I want to pay off my balance, I cannot not do an express or standard payment. Because according to them, I have made \"too many payments in 30 days.\" I have now been on the phone with them over an hour battling to pay my account! I have spoken to 4 people and was supposed to get transferred to \"a manager\" and instead got hung up on! I'm beyond furious! I can't pay a balance of $395.11 either from my bank account or using my debit card! The last guy told me to Western Union the money or mail it! What??? Who the hell sends money Western Union? Let alone write a check to be mailed?? They have my bank account info on file & still I cannot make a payment until after June 12th? Stay away!! Still on hold waiting for a manager!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb81c3b58e4f470b9fc4b51c0f913248
encoding: FLOAT32
metadata:
{"chroma:document": "So unprofessional. Please go for the capital one card!! I Paid my account online line before the cut off time. They charged my card a 25.00 late fee. I asked them to look into the time posted. I always pay on time. They would not remove the late fee. Please stay away from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29873415d89c44cb9770ed137d393d01
encoding: FLOAT32
metadata:
{"chroma:document": "I was reviewing my account (which I am actively working on paying off as this credit card company is nothing but thieves) and noticed a second card was on my account... Weird... I never applied for any card. Then, that card has a $60 fee on it just because. I have never seen this card nor do I have this card in my possession. I informed the company and they say they are escalating it to their fraud department. I refuse to pay for a card I do not even have and did not want. This company is not reliable and not trustworthy. Save yourself a lot of time and effort and avoid Credit One like it is the Plague. One of the shadiest companies I have encountered. Save yourself time and money and if you see \"Credit One\", run away as far as you can. If a card can just be activated without my knowledge, their security is a little more than lacking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08cb7d3271f940c6a6635a590c170027
encoding: FLOAT32
metadata:
{"chroma:document": "This card is a scam! They charge you a monthly fee of $6.25 (Even if you never use it) AND they charge you a yearly fee. It may be an easy card to get to rebuild credit but if in the long run you will wish you never added it. Additionally, I had over a year with of these monthly fees and no credit card charges that carried over from month to month. Customer service LIED to me and said that instead of closing my account she would give me 6 months of not monthly fee. Next month came around and I got charged. Interestingly, the company had NO record of this conversation and stated there was NO offers on my account. I paid my last 6.25 and closed the account. NOT WORTH IT. SCAM!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99faaeebef744ce283b605869f79502c
encoding: FLOAT32
metadata:
{"chroma:document": "At first, this credit card was amazing. We got the card, used it, paid it, all was great. Then, we had some financial issues that prevented us from making payments in full and we got a month behind. This is when the harassment started. I'm not talking several letters and all, I'm talking 15 calls IN ONE DAY. No voicemail was left, nothing was ever said about who this random number was that repeatedly called me. I was checking Google, reading reviews, nothing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd81225a06a540d4a930ef662e7225d2
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the card and was told to expect the card within 7-10 business days via email. Upon calling, I was told it would take up to 4 weeks by an offshore employee. Why would any card take that long?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 340ac9744c284e67af76c276a83db84c
encoding: FLOAT32
metadata:
{"chroma:document": "The card has the worst online services, rate and fees for any card I've experienced. In the end, the card isn't worth the time. Discover and Capital One provide better options for new users looking to build credit. Credit One (C1) charges fees because of non-payment, but they'll block online payment access days before your payment is due. This allows them to charge the fee. It's just a game to them. They'll also have \"unexpected\" online site issues around the time your payment is due. In the end, you can call and get the fee credited off but they activate these quirks to take advantage of suckers who are looking to desperately build credit. I honestly think this is the worst card with such limited options and perks, in addition, the stress isn't worth your time. Look elsewhere when building credit, even your local bank can assist. Zero Stars! JM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee3c9bb154074f62bafdf5189ace8dd4
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for 4 years paying the same way from the same bank account each time. They have cut off my card saying I need a bank verification letter stating that I am the authorized user on my account for a payment even though they took the money and applied it to my account. My bank manager called them and got instructions on what they wanted and complied. Now I must submit a new form from my bank (which Bank of America has no such form) and submit again prior to my card being turned back on. I have verified my identity with Credit One. My bank verified my identity. I paid the exact same way I have for 4 years. They took my money. Unfortunately I am dealing with the absolute worst customer service on the planet. Under no circumstance should anyone use these idiots. They should be investigated by the FBI and closed down. Worst, dumbest people I have ever spoken to or dealt with in my life. Hard to believe they are still in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e527c07022a641908a49bd39939b1bbe
encoding: FLOAT32
metadata:
{"chroma:document": "Yea, sure it's great to build credit, however... Capital One gives more cash back and incentives AND Capital One had no problem furnishing my zero balance status letter within SECONDS when I needed it to purchase a home! Credit One took over a week to do so and gave me the run-around. They need to get with the times!! Payments take forever to process. They cannot email a status letter, only fax! AND they say to give them 72 hrs!! They will say it's sent but cannot confirm when and take another 48 hrs to resend if needed!?!? NOT WORTH THE HEADACHE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f29c6afccb3411da9b87b0e602e6de4
encoding: FLOAT32
metadata:
{"chroma:document": "Recently received letter from Credit One Bank stating my card was restricted due to suspicion of fraud. I had recently paid off the card. I made a partial payment from my bank and my wife paid the balance from her bank. The letter demanded a letter from my bank stating I was authorized to make the payment and that my wife should send a letter from her bank stating she was authorized to make her payment. If the letters were not received in 30 days my account would be cancelled and the credit bureau would be notified the account was cancelled by Credit One Bank. How bizarre! I am consulting an attorney."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 512ed010bd434cdc994f884c14762595
encoding: FLOAT32
metadata:
{"chroma:document": "I recently found out that my annual fees on both my cards with this company are billed monthly. I called them to find out why and if I have the option of having the fees come out one time annually (like it's supposed to be). The rep I spoke to the first time said the reporting bureau put a mandate on them to bill the annual fees monthly. I called TransUnion and Equifax (the bureau they report to) and I was told they don't impose these type of rules on the credit card companies. I called them back and demanded a better explanation. The second rep told me it's because they are trying to create an activity for me, so they have something to report to the credit report bureau every month in case I have a zero bal. (I want that zero bal!) I asked if that can be changed and if I have an option not to have my annual fees billed in installment all year long. He put his supervisor on the phone and she told me the same thing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b8b638edee5426fb92ec826d737ae67
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had my card for two years and have seen huge discrepancies between the mobile app when it pertains to payments posting and what the balance is etc. when you call customer service to ask why they aren\u2019t able to walk you through your bill or the reasons why payments haven\u2019t posted. I\u2019m paying this off and closing my account ASAP. I got this card to rebuild credit, not to put myself in a credit payment cycle nightmare!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58a6a56db54e4fb4b2f4ac271af72b36
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for about 3 weeks and I'm already wanting to cancel it. The customer service is good due to never having to be on hold for too long. The issue comes with I decided to pay off my balance in full using their \"expedited payment\" which only released 100$ then they told me I have to wait 7 day for the rest to release. Well 7 days later they suspend my account and lock up my card for suspicious activity. Which they said my payment (My 1st Payment) was suspicious and I need to mail them a letterhead from my bank with the transaction showing and before that I had to call them 4 times all within an hour because they kept locking my card for \"suspicious activity\". If you get this car use caution because they will lock your card for every little transaction that you do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dea6450da4034d65aba833b3b89a7a6c
encoding: FLOAT32
metadata:
{"chroma:document": "I filed bankruptcy 4 years ago so one of the first credit card companies to contact me afterward was Credit One so I thought I try them. They have an annual fee so beware..after a year of being a member my credit card was hacked..Ii called them up and reported the fraudulent charges and they checked into it and got a subpoena and removed all the charges.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93841dd41dbc4d968db6d9188910fe49
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Visa and MasterCard with Credit One Bank. Back in August 2018 there was a fraudulent charge. Bank closed the two accounts and re-open two new cards. Then they closed both accounts, restricted access to my account online and every month I call and make payments but I am not getting any proof (by mail statements or being allowed to access account online) that my payments are being put towards the open balance. Since they restricted the two accounts no charges have been made to the account in 10 months but balance on account is not going down. Call every month to make payment and have to go through two or three customer service representatives because they put you on hold \"to investigate\" and after holding for a crazy long time the representative usually then disconnects the call and I have to call and start back over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4aa5aa55b4c14965bf43c33846c380eb
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company is great if your credit is iffy! But keep in mind that if you make your payments on time and have a 540 or better score stay away. Find a better card, they are out there. You have to verify your account payment method if you use the \"standard payment\" method more than 2 times in any billing cycle. This can force you to pay $5 to make a payment, especially if your minimum payment is due. Also, your payment using the standard method takes 3-4 days to be available for use. They are all about making easy money over the 25 to 30% interest rate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac69092eec6e4db6a70c89991c42262e
encoding: FLOAT32
metadata:
{"chroma:document": "Got the card because I had bad credit because of separation. After I established my credit again I decided to cancel the card because I had too many cards cards that give me a better interest rates. Call them up trying to cancel card. Waived the membership yearly fee every time I try to cancel my card. Told them to send me a bill in the mail. I have yet to receive a bill in the mail from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90b5e62f3ec34d4c9776dcb47081fec2
encoding: FLOAT32
metadata:
{"chroma:document": "I had both a MasterCard and a Visa thru C1 bank, approx 6 months ago I made 2 payments, from the same account, to pay off both cards. C1 bank accepted both payments and then asked for verification of the account used for the MasterCard account. Keep in mind they asked for verification on JUST the Mastercard account. I attempted to explain to their customer service that it was ok to pay on the Visa with this account but you're asking for verification of this account on the Mastercard. After TOO many calls to customer service and not getting anyone to realize the absurdity, I instructed them to close the account and send me the bill. I proceeded to pay the bill by check and C1 kicked back my payment. I\u2019m through trying to reason with Credit One, do yourself a favor and find another card because any issues will not get solved!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f4d6fecba824cf5add8d5a683174c3e
encoding: FLOAT32
metadata:
{"chroma:document": "They put a fraud investigation on my card and suspended me from using my card. I called to sort it all out and they need my bank statements and my ID faxed over... I did all they want and they said 7-10 business days and I should have access. It\u2019s been over 20 days now. Still no access. Ugh!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c47249fa592444db0b0c43333191e9f
encoding: FLOAT32
metadata:
{"chroma:document": "I thought I was signing up for a Capital One card but I was duped and they are charging me an annual fee of $75 even though I never received a card. They are clearly pretending to be Capital One and I feel this is illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf0ba94c4b2a4d2aae991f32d40b5c3d
encoding: FLOAT32
metadata:
{"chroma:document": "I was charged twice for a returned credit. I was given a temporary credit of $248 which was reversed because Credit One determined I was at fault. This is a lie and I was given one option: file a police report. Now I\u2019m being overcharged and I now have a balance of $566. Credit One is refusing to reverse this, I\u2019m literally being robbed. DONT DO BUSINESS WITH THIS ENTITY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39380d1d6a754f1f927f18edb89e0131
encoding: FLOAT32
metadata:
{"chroma:document": "I got my first unsecured credit card with Credit One Bank. For the first couple of months everything was fine. I paid my balance off in full. When I tried using the card they had suspended it. When I called they told me I have to send them my information in the mail. They also suspended access to my account where I can't even make online payments. I will never send payments through the mail so I now have late fees and derogatory remarks on the account. I honestly got so frustrated I let the account go delinquent. I plan on paying it off but they make it near impossible to do so. I don't recommend anyone get this card! They have no problem taking your money and then closing your account!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9478b820c24414587e071f8c38e49dc
encoding: FLOAT32
metadata:
{"chroma:document": "It's funny when you owe the bank money and you don't pay it in time, they go running to the credit bureaus, they charge you a late fee. But when they owe you money back THEY TAKE THEIR SWEET ** TIME PAYING YOU BACK. WELL YOU KNOW WHAT? PAYBACK IS A BITCH!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 798a288fa7f347459e63e6cf7ddb4cb8
encoding: FLOAT32
metadata:
{"chroma:document": "My wife and I have 3 of their cards and use them sparingly, we prefer to use Capital One cards. In March of 2018 I did use their card and needed to dispute a car rental for $449.63, they made me jump through a bunch of hoops as though I was the criminal and they still haven't refunded my money! I had to write a complaint to which they responded with phone numbers to reach them and the numbers aren't even valid! The letter they sent me with the wrong numbers also stated that they needed the following information and the information that they needed was left blank. I have tried numerous times to contact them and only get someone in the Philippines who I can't understand, I should have used my Capital One card or my Discover card, needless to say... I will be getting rid of all 3 of their cards and suggest to all of you out there... STAY AWAY FROM CREDIT ONE CARDS!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbcd489e9ed74186a130e62726000611
encoding: FLOAT32
metadata:
{"chroma:document": "I actually have two Credit One credit card. I have been a long-time customer. When they are logged in to pay the bill on them and I noticed one of my accounts was no longer linked. I called them and they said my account was locked and they wouldn\u2019t tell me why. To verify my account they asked me questions like how long have I had an account and what day is my statement Is due. Well I don\u2019t really know the answers to those questions because I do everything online so now they want me to mail a copy of my driver's license and a copy of my paper statement. They didn\u2019t even tell me what address to send it to. As soon as I get this sorted out I will be canceling both accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5f1d18688974f74984e8a1615e455bb
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One cards are a rip off. I pay so much on them monthly but still my credit limit isn't going up?? Where is my money going. It seems the money I pay is going somewhere else. I'm not happy with their cards at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9c3da30194b4a49b030576e13d41394
encoding: FLOAT32
metadata:
{"chroma:document": "Unsafe and data issues with no authentication and compliance failure. Maybe not regulated in the Philippines. Be cautious and do not call the number on the back of the card. I have my phone call recorded and it is unsafe to operate with this company. I have had a card for a year and never had a problem paying or accessing my online account. Until I had made a payment that wasn't even due for 5.00 and on the same day my bank notified me of fraud and stopped my debit card to protect my information. I called and let the Credit One rep. know of situation and they said, \"No problem. Thanks for calling.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f72ac0cf6bcd42f49ebeaee689f92c63
encoding: FLOAT32
metadata:
{"chroma:document": "Have had the card for a couple of years with very little use of the card on my end. The only card I have that charges a monthly fee. When their mobile app changed I could not log on to pay these fees. They did not mail bill either. They do not send invoices but turn you in to credit burrow. There was NOT any charges on this card for over 1 yr on my end. Don\u2019t get caught up with this outfit!!!! This institution is a scam!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 181d5ea8fb2946419057a4aafaa832ac
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank defrauds its customers. Credit One Bank defrauds its customers more than any company I have ever come in contact with. Not only do they misappropriate your payments to accounts not currently open in your name, but they allow fraudulent charges to your account with no help to remove them. They charge you interest on top of those fraudulent charges, and even block access to your account. When you write to file a complaint, you are forced to do it on their social media sites, since they do not respond to any email correspondence. When you voice your opinion online, they block your comments. Their reviews speak for themselves. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc65d1dc9bdf4f13a239e3ece65fa05d
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a credit card with Credit One for about 2 years now. I've only been late with a payment one time. They called me for several days all day long!! Then they charged me a late fee after the fact they had received my payment exactly on my due date. They gave me the excuse that I was charged a late fee because of the time my payment was received. Entrance rates are high and they charge you 8.95 each month. I cannot wait to pay off this card and never use it again!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7959b2b12f07433c83b278203e63122e
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this card about 2 years ago just to up my credit score. Up until December 2018 I had no problems with this card and was even given a few credit line increases. But alas, in Dec of 2018 my card was compromised {stolen}. A bunch of online unauthorized purchases occurred, I contacted their credit card fraud dept and was told that they would investigate the fraudulent charges and in 90 days a decision would be made and I would not be held liable. 115 days later they closed the case and are holding me accountable for these fraudulent charges. I was told I needed to file an official police report and they would send me the transactions from Dec 2018 to present. They did send me transactions but only for the month of March 2019. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab769544ca2a463fb7e962d09d2a96be
encoding: FLOAT32
metadata:
{"chroma:document": "I have received literally up to 30 calls per day from various phone numbers associated with Credit One Bank starting as early as 8 am. I have spoken with representatives regarding the calls and they are still calling continuously. I have NEVER been harassed by a company before in my life until now. Now due to the harassing calls I'm considering closing my account with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5eb0a2bdcf1424f9b055b3ca1b95006
encoding: FLOAT32
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{"chroma:document": "I was really in the negative comments on this site about Credit One, but I have to say I have never had any issues with that and I\u2019ve been with them for about two years. People have to realize they are a small company and although I don\u2019t necessarily agree with some of their fees they have to charge these fees for the company to grow they are not some huge company like Capital One or Chase. One thing people need to realize is they give credit cards to people with bad credit like myself. After my divorce my credit was ruined and nobody would give me a credit card except Credit One. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8f04a3c9650420da2656db8815e1cd5
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{"chroma:document": "Applied for the card on 3/19/2019, as of 4/9/2019, I still have NOT received the card. Spoke with over 10 representatives that assured the card was sent or that they rectified the problem. My terms and conditions state that I should expect a $39 annual fee for the card, which today I was told is actually $70. It's really disheartening how corporations such as this lack of integrity in the way they handle business, particularly with those building or rebuilding credit. It's becoming more common that these enterprises are exploiting those who are trying to get things right or back on track, for their corporate gain, and unfortunately, the government is in support, as they are LEGALLY allowed to include clauses that waive your right to arbitration. The FBI should be investigating companies like THIS, on a regular basis."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08ea133cf3304aebad12947556d5b1b3
encoding: FLOAT32
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{"chroma:document": "They have a similar logo to Capital One and that's the company I thought I originally applied with. That stupidity is on me. I requested and confirmed the closing of this account on March 25th. I received email that account is closed on March 26th. On April 7th I get an email from this company that they made 2 small deposits into my bank account and I need to contact my bank then verify it with Credit One. This is why I closed my account. I told them they can't access my account when I did not request automatic payment option. So now I have to close my bank account and get a new number because of these idiots. I'm reporting them to my states Attorney General office but they probably will not do anything, but they should. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93df209eb80843c6ab88822f73f481b1
encoding: FLOAT32
metadata:
{"chroma:document": "I have had 2 of the cards for around 3 years, paid my balance every month, never carried over a balance. Only twice have I had credit line increased and they charge you 24.99 to up your credit line app $250.00. I finally got tired of paying the monthly annual fee on 2 cards that I never use anyway and it took me an hour and 4 transfers before I actually was able to close both the cards. They do not take no for an answer, they will transfer you around, make you wait app 15 mins each time and I guess they hope you will just hang up. This company is nothing more than a scam, the owners should be in prison. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4507796aecac4b03a3700122f393b2a5
encoding: FLOAT32
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{"chroma:document": "Credit One Bank is an awful credit card, annual fee billed monthly, customer service is horrible, numerous calls (and no my payments weren't late) and they actually give you a hard time when you want to pay your card off, and don't even think about making more than one payment a month, they will freeze your payment and make you verify your account all over again just so they can get the extra finance charges. Stay away!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 769606b0196f4bd280612e52ad50dc4a
encoding: FLOAT32
metadata:
{"chroma:document": "The balance that showed on my online account was over $300 below my limit, but my card was getting declined due to insufficient funds. When I logged in, it said my recent payment had posted the day before, but my available credit was still only $19. When I talked to the person on the phone she insisted on reading off every charge to me, as if I was going to add it all up in my head, and continued to insist that my payment hadn't posted. Then she said that even though it had posted, I still wasn't going to have it actually available until three days later. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ea8b36b67b74d1b80c5cf3f356c76d4
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been paying my card down and the interest rate is so high that even though I am paying more than the minimum amount it doesn\u2019t make a dent. Every question you ask about some type of help \u201cI\u2019m sorry we can\u2019t, I\u2019m sorry we can\u2019t.\u201d Oh and \u201cI understand but there\u2019s no other options or ways to help you.\u201d I regret the day I filled out the application."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9332acb22c974d8fb08feebdb1b9747c
encoding: FLOAT32
metadata:
{"chroma:document": "When I started to rebuild my credit, Credit One was the third card I applied and was approved for. They started me with a decent credit limit - for someone with very limited credit - of $500. After being with them a little over a year now, no missed or late payments, keeping a fairly high utilization rate, paying more than the minimum each month, and then paying it completely off with my taxes in one chunk and then leaving it be for the last month - I signed in today just to check on things, I was surprised to see 2 more offers than normal. Curious, I checked to see what they were and one was for a credit limit increase (which was approved immediately for another $200, raising my limit to $700) and the other was a pre-approved offer for a MasterCard because of my \"good behaviour\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7dbc9ee6cbf4b308c1c566a72443a12
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for almost two years, no issues. I made a payment using their express payment using MY debit card that is in MY name to pay MY credit card bill that is also in MY name. They have now suspended my credit card because if the payment, marked it as fraud, and now I can't log in online or use my card. I have spoken with 3 representatives, two supervisors who told me they would \"monitor\" my account, and finally a \"Manager\" who said the same thing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94951093a4244eee95623d5ef8a5e2ac
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card to help rebuild my credit. I would only use it for small purchases mostly and pay it off every month. In April I was getting BOMBARDED by phone calls form an *$$ number and looked it up to see it was credit one Bank which was odd because I had paid my balance at the end of Feb. I log on to my account and noticed it says I am past due with a $12 balance ($6 of which is a late fee). Evidently they charge you interest EVEN if you pay your balance off AND that interest charge is not reflected in your online total until your next billing cycle. I made a purchase at the beginning of Jan for $400, they charged me $6 interest the middle of Jan but did not include it in my online balance until I paid what it said was my entire balance on Feb 22. Consequently they hit me with a late fee on the \"unpaid\" interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f094a565680e4776982880b3559470b8
encoding: FLOAT32
metadata:
{"chroma:document": "Do not apply for this credit card. They increased my credit limit twice because I was paying on time and I just found out that they charged me $24.95 each time they raised my limit. I NEVER asked them to raise my limit. You can't contact an actual person in customer service and the only way to dispute a charge is to send them mail at some PO box in Vegas. STAY AWAY!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34054a4ffd3c4f95b7dd41d8e16379ca
encoding: FLOAT32
metadata:
{"chroma:document": "This company charges $9 for express payments or it will take up to 7 days for a standard payment to post. So, I made a express payment, however, because I paid the balance owed my debit card were suspended until I showed proof that the card belonged to me. Additionally; the interest on this card is just ridiculous. If you're looking to build credit, this is not the way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2284f79b282f4a78ac4dfbc3b32b7614
encoding: FLOAT32
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{"chroma:document": "So I make a payment using their express payment using my debit card that is in my name to pay on my credit card that is also in my name. Then they suspend my credit card cause I made a big payment and the marked fraud. So let me get this straight. I have never been late on a payment. Use their express pay with my debit card that has my name on it paying my account that has my name on it. Now they want me to send them proof the card I used to pay is mine. Never mind the fact card is in my name. Stay away from Credit One. This company needs to be shut down and oh they put a fraud mark on my credit reports for making a payment with debit card in my name paying on an account that is in my name. Now you figure that one out. I produced what they asked for from my bank and still won't fix this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d6141b7a56e4e44a235f877a22fbfb1
encoding: FLOAT32
metadata:
{"chroma:document": "Upon opening this credit card they said there would be no annual fee. Received my first bill and fee was applied. Set min bill to be paid on the 19th of each month and was charged every month a $25.00 late fee every month. They tried to say it was because I paid by phone and my debit card was attached to a checking account and they choose"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 421583a68a074bed8607f410f0813574
encoding: FLOAT32
metadata:
{"chroma:document": "I think this Credit One service in dealing with credit cards is the worst service. I used my credit card a few times. I was making payments. When I was late with a payment and I mailed in the payment it cost nine dollars and because my balances started to get larger from them adding on late fees after I was told by one of the reps to send in what I could until I got the balance down the balance never got down just kept getting larger. Now my balance is 1,833.18. I tried to consolidate the payments with a finance company and they refused it. They said I was more than sixty days late because if you make a partial payment they take the money and still charge a late fee. End mess up you credit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 834eda07fca24b6bab2d51fabc567fd7
encoding: FLOAT32
metadata:
{"chroma:document": "On Friday March 22nd I was in contact with an account supervisor who told me my account had not been charged off to a collection agency. Credit One bank was aware that I had already sent put a check to resolve this account and pay in full. After the check was sent and confirmed by the account supervisor. I received a letter telling me this account has been sold to a collection agency. Two days after the payment was sent. The mail I received was dated March 20th and after speaking to the rep she stated this account was still going to be handled in house. Bad customer service after speaking to the corporate account manager. I have also filed a complaint with the federal reserve for misleading information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cf32230c4fc40159199a5476064fe72
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Credit One card to help build my credit. Didn't use the $500.00 limit card for over a year. Yearly fee comes due. I receive a call that I was almost late on the payment. Made that payment IMMEDIATELY over the phone. Was not told at this time that there would be further \"yearly fees\" in the two upcoming months. Although I changed my address over the phone with them that day I never received a statement. Still can't get an explanation of the additional fees (which equal over 10% of the $500.00 limit). Ended up missing a payment as a result of their incompetency. Dropped my credit score 50 points."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9414f74b26f47819d9fc7ad20a64039
encoding: FLOAT32
metadata:
{"chroma:document": "I have excellent credit (over 800 score) - and applied online for a Credit One Credit card which had 'NO annual fee'; approved immediately for $10,000 LoC. Yet, when the credit card arrives I read the fine print and it states (no annual fee 1st year then $99 per year thereafter). Well, I can tell you for a fact that addition was not displayed on the site in the details I read. Why give a free 1st year then charge customers? (The answer is simple: so they get hit with a surprise fee charged to their account) - I refused to activate then had the account canceled. Regardless- going through this process conducted a hard pull on my credit that was entirely unnecessary if they had been honest in their advertising. (ALWAYS READ THE FINE PRINT.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fd496a865454a83bcf8c54462892546
encoding: FLOAT32
metadata:
{"chroma:document": "Company reports you to credit bureau when you cannot even see the account online or get information when you call in. Very disturbed by their business practice. I reported card lost and froze it. Then they proceeded to charge a fee and remove it from all online account access or when I called in to check balance. They refuse to assist in removing from credit report even though they removed all late fees. This was 19.00!! Never ever get this card. Many upset customers for the same issue. They need to be fined for scamming people. They should be ashamed of their business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02c0c83f40134a4a8148443a5df4cd29
encoding: FLOAT32
metadata:
{"chroma:document": "While most credit card companies work with you when you have a financial hardship, Credit One is not one to. If you lose a job or experience a hardship that does not allow you to make payments, they do not provide any kind of assistance, even if you pay for the credit protection. It does not protect you. For being sub prime lender, they do not have the primary understanding of hardships."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27eecac8ea5448c88e01d013e26e5f28
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a cardholder for several years now. In the past when my account was compromised, Credit One Bank closed the account and issued a new card. I was satisfied. However, recently I have not had the same experience. My card was compromised by a merchant. Credit One instantly suspended my account. I cannot see the card in my profile. No communication was provided. When I called inquiring why I was told about the security breach with the merchant (Credit One will not release the name of the merchant). Until I mail (not fax or email) copies of my drivers license and two bills demonstrating my address I am unable to access this account. Including paying this month's payment. I find it very paradoxical they have a hold on my account for a breach of security of identity yet they are asking me to provide a photo ID and two of my personal bills to prove who I am."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abf24ebf84d1463b82f1d15384e8a966
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One was one of the first companies to offer me a credit card after I went through a difficult chapter in my life. I was grateful and accepted the card and even ended up opening two accounts with the hope of improving my credit. Maybe it was a mistake, because I was stuck with pretty high annuals fees on both of my cards. It seems that Credit One has the uncanny ability of sucking out every single penny that it can from its customers. I constantly received offers to increase my credit if I paid a fee. I am not sure to what extent they helped me to improve my credit, but within nearly one year I started receiving other offers (with no annual fees). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a9fe74849d44380a56b2db67a2410d9
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an account with these guys for years, my first after needing to rebuild my credit. Everything was ok until recently when their website keeps telling me my online account access is \"temporarily suspended\". I call and we reset and provide security answers but the next month it's exactly the same problem. Is it possible that now that I have other reputable cards they are trying to cause me problems? I find this so odd, it's not like you do anything online except make payments and check your balance. What could their problem be?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3cfc10971a6404da75b9b27b102c00a
encoding: FLOAT32
metadata:
{"chroma:document": "Just about any time I have had a problem, Credit One bank has fixed it in a timely manner. They also do the right thing before I ever have to ask. Thank you for being available and for being friendly!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95662671987f41e7bf96e15005f26365
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Credit One Bank for three years to date. I have been graced to keep my account in a pristine manner. I have received credit increases without fees. Even received refund credits in the mail. Here's the issue. I only pay the monthly annual fee of $8.25 immediately when posted online. I pay through the standard method. No problem there. I requested a credit increase to be denied. The reason; \"Have not met standard minimum requirements in 90 days\". Called customer service and they do not know what that meant. Well, this card started my credit history. I will wait and pay monthly annual fee for another year then close account. They have done me well and now the love affair is over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 355de10d071d41bb8e8f18ef4a10ea5a
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One gave me a credit card when no one else would. I admit, their rates are high, but if your credit is bad, what do you expect. If you pay on time, they WILL NOT bother you. I have nothing bad to say about them, because they were there for me. I pay it off every month and now my limit is at 1700. By doing this, the high rates never affect me. So please, STOP! Pay your bills, get your scores up and THEN you can get rid of the card since it's so bad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adefc36b15004a8daeb0a2f57fd5174d
encoding: FLOAT32
metadata:
{"chroma:document": "This was supposed to a credit building card. Interest rate is absurd, and it never goes down no matter what! You can be on time and early every month for two years and they won't negotiate a better rate. After several months of having the card they offered me a credit line increase, IF I paid them a fee to increase it! Seriously, I laughed. Customer service is wretched if you can understand them. There are other cards out there that are better. Don't walk, run away from this offer if you get one!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe4fb3703d524ec2a753eec073f50157
encoding: FLOAT32
metadata:
{"chroma:document": "This company behaves in a scam-like manner. They call at all hours of the day and night from different numbers all over the world, then if you answer, the person has such a thick accent that an English speaking person cannot understand anything they say. They absolutely torment you for as little as $25! This was a credit building program that I\u2019m sure now I will have tremendous difficulty ever getting away from them. They CONSTANTLY called my phone while I was in surgery AND when my family member was dying and when we were trying to bury her. I have to turn my phone off because of these jerks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df4ad2447b134c5b8a570eebdeb8fc35
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give them a lower rating I would. I should have received my card in January. They \"sent it to the wrong address\" then cancelled the initial card to be safe. Then 3 weeks go by. Still no card. I call them. They said they had yet to stamp it. 3 more weeks have still gone by. Still no card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f541cdae843d49a8ab6ec8639760cff3
encoding: FLOAT32
metadata:
{"chroma:document": "After about 8 months of using the card, Credit One placed a hole on the account and advised me that I would need to send in documents to unfreeze the account. In the meantime I had a payment due and they would not take the payment over the phone and I would have to send a MoneyGram or Western Union (like the con artists that they are). This late payment was obviously hit with fees and affected my credit rating. I have submitted a complaint to the Consumer Finance Bureau and requested that my account be closed. DO NOT USE THIS COMPANY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 295ae0c871aa46699abca5000d6f3570
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a former card holder as my account was subsequently CLOSED by Credit One Bank when I entered into Debt Management Program. I'm told that annual fees and interest will CONTINUE until my balance is paid in full. This is totally ludicrous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56b67b258e894606854cec53be25e51c
encoding: FLOAT32
metadata:
{"chroma:document": "They give you two options to make your credit card payments. One is a standard payment, the other is an express payment for 9.95. When you try to make a payment using the standard method, which costs nothing, they don't allow you to do it. They force you to make an express payment so they can burn you for 9.95. If you call them to complain about not being able to make a standard payment, they take your payment over the phone, then charge you 9.95, which their representative in ECUADOR, of all places, tells you he's not going to do, but he does it anyway. Why Consumer Affairs hasn't done anything about this legal scam company is beyond me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71d85183624049fba73231fe82b10117
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my card for 2 months now and it's a complete waste of time. $75 annual fee is a joke. Have had two $100 returned payments for insufficient funds even though my bank has no record of them attempting to charge my account. Customer service sucks. Tried to call and pay my balance completely off and they would not let me. The online or app pay bill does not work ever but try to call and they won't accept it and will hang up mid-call. Complete ** customer service sucks and my credit drops because they can't process a payment. I have two other CAPITAL ONE credit cards and highly recommend them. Stay as far away from Credit One as possible. Will just drop your credit because of their ignorance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfc1949c65cb471889c75224c4494ab2
encoding: FLOAT32
metadata:
{"chroma:document": "I got a credit card form them last year, with an authorized user (my wife). I never used the card, got a bill for $26 for annual fee and authorized user charge! After paying it, and never using the card, I called them and told them that I wasn't interested in the fees or the card. Cancelled it, they said that they would prorate and refund the money. This was 6-8 months ago. They still haven't given me the money and it appears that they will not. It isn't the $ amount, it is the principle of the matter. They are crooks and I highly recommend AVOIDING THEM IF AT ALL POSSIBLE!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e02f16768974c998bd51f4c9dc1cb5e
encoding: FLOAT32
metadata:
{"chroma:document": "I got this credit card in October 2018, attempting to build my credit. The 3 times I attempted to pay the full account balance on my account the payment gets returned and the card gets suspended. My bank has no records of the payments being attempted, their Reps called bank to verify funds available & the account information. Last month I paid $50 using the same account info and that payment went through fine. I'm convinced they are not processing payments so they can charge more fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 438895a8a841458d9cdf9366640145c3
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a total and complete rip off in my opinion. I signed up for a credit card with them and 7 times out of 10 when I attempt to pay my bill online their system is either down or they have without my permission added some random deposit to my account. If they add a random deposit you then have to find this deposit amount and verify the amount in the system. Until you do this it will not let you pay your due balance. Problem is sometimes the amount has not posted in your bank account yet, therefore you cannot verify it. Therefore you are then late making a payment. Then they slap you with a late fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d4743883be649219c697317e5c02dc9
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{"chroma:document": "My payment was due on February 26th. I paid my bill on February 26th. Expedited the payment so that it would be posted. Paid $9.90 to do so. All day I was trying to post it on the internet on their payment portal which was not working. When I finally was able to call them I paid my payment. I expedite my payment. I look at my account this morning and they charged me a $25 late fee on top of the fee to expedite my payment so I wouldn't get a late fee. They are committing fraud to tell me if I expedited the payment I wouldn't get a late fee and then to turn around and give me a late fee when I paid the payment on the due date. This company is out to take people's money and I feel that as a consumer something needs to be done about this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8cc8f1eafc7043efa8251007ff36fb2f
encoding: FLOAT32
metadata:
{"chroma:document": "Do not apply for this card (biggest mistake ever... when you want a credit increase you have to pay for it ($24.95) and it's only $150.00. When you check your credit score, they give you the lowest score they can (their score 540) everybody else 670!! Finance charges 24.99 percent, and they have 5 contact numbers for customer service, and with none of them can you reach a real \"live\" person, which means if you want to cancel it, you have to figure out how to reach them (no phone contact or email contact to reach customer service). Everything you reach is automated service (pushing 0 just starts it over again). Run from this piece of crap, and save yourself a lot of hatred for this card!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b471cd077e604e398a0345fea3ad6f6d
encoding: FLOAT32
metadata:
{"chroma:document": "I work as a bookkeeper at a vehicle dealership with a separate service center. This card is the one we got for the service center. It literally takes 3-4 days for authorizations to post as actual transactions. Then you make a payment through a website that does not work more than it does, and then it takes another 5-6 days for those funds (that have long cleared your checking account) to be available for use. To remedy that, I sent in several payments ranging from $300-$1000 to the payment address and those payments cleared our checking account yet the card is getting declined. We have almost a $3000 credit balance plus available credit and the card is yet again getting declined. Our shop manager ended up getting declined at several vendors and I spent an hour on the phone with their so called customer service. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f369d5b2ead947c3a26e4ce6ea639c2d
encoding: FLOAT32
metadata:
{"chroma:document": "This is not the first time I've seen this but the website is unusable. I was trying to make a payment and verify my deposits into my checking account to make that payment. There is no human to call, just a completely automated line. This is scary to think my credit info is in their hands."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f61df4a2184c41f6a10aaedde8278bd3
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a credit card with this company for some time. I rarely use it. I noticed that there were large monthly fees and a high interest rate on the balance. Last night I decided to pay the balance in full. That transaction went through. Then I told the person on the phone that I wanted to close the account. She did that (as far as I know). Then she said they were going to issue a charge off on my account. I had to look up the term after the call. It means they are writing off a balance owed because they are unable to collect. At the time she issued this, I owed nothing. This strikes me as \u201cpunishment\u201d for closing the account. I read that a charge off you record lasts 7 years! I think there should be some sort of punishment for a company that decides to damage your credit rating out of spite! Stay far, far away from this vindictive company!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd97db14d382448fb442658e626fc106
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m so disappointed with this credit card company. Years ago my ex husband opened up a credit card under my maiden name after we broke up and charged whatever he wanted. When I received the bill I was in total shock because I didn\u2019t open up a credit card with this company. I called them and reported it was fraud that my ex had opened it up under my name. Few days later I received a letter with my ex\u2019s info, his cell phone number that it was opened up with, who the phone was registered under which was someone else. Even though my name did not come up in this evidence they still did not take it off or close the account. Now these charges are still on my credit. I have no words, very upsetting, so upsetting. I guess anyone can open up a credit card online and use it. Thanks for ruining my credit Credit One!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 909b3fcbffbd4215bbc83fa92dda5212
encoding: FLOAT32
metadata:
{"chroma:document": "I called Credit One twice since January for reasons why denial. Each time speaking with someone, they couldn't tell me exactly why and to expect something in writing. It's been almost two months now!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d78ed092dae34cf9b3e0cf1c3e64f328
encoding: FLOAT32
metadata:
{"chroma:document": "Never again will I fall for another bootleg credit card company. They are Capital One wanna bes and are doing a horrible job at it from day one. They block all your transactions. No matter where you go every transaction will be declined for no reason then you receive a text asking if it's you Y or N. Text Y then they say you may continue using your card then you swipe again. Declined!!! Call them. They say they fixed it. Wait 15 minutes. You wait 15 minutes then swipe again. Declined!!! Check available balance. Clear as daylight $500 make a payment $200 don't be available until a full week later and not the entire $200."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57fc125cc0f04e63a50730635f4bb21c
encoding: FLOAT32
metadata:
{"chroma:document": "I got a Credit One cc to bnb help with my credit. Never have missed a payment and have no issues until this last January. I have an Amazon Prime membership and when they went to take out the annual fee it was declined. I received emails and texts to see if I authorized the transaction. I reported yes and they made me call. Even though this has been authorized via text, email and over the phone BY ME this transaction still is getting declined and my account suspended. They keep telling me to let Amazon know to put it back through because they have put an exception for it but it never goes through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffdbb0653ec54cebb06383698fd199fb
encoding: FLOAT32
metadata:
{"chroma:document": "I was pre-qualified for this card and tried several times as the annual fee would vary from $75 first year (then $99 year after) to $39. When I saw the $39 flat rate I decided to submit my application. I was then denied due to 'We found unusual activity'. I called them right away to verify it was me who submitted the application and they said there is nothing they can do and I should reapply from a secured computer on a secured network. I am using my home laptop (2018 Apple MacBook Pro) on my home network and never had an issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bbe0d37e4004444baceaf7722f3a331
encoding: FLOAT32
metadata:
{"chroma:document": "Pure trash! Every time I would either use the card or make a payment my account would get suspended. Then had to wait to get my account unlocked. Now I have a derogatory mark on my credit cause I needed to get away from them. There is a special place in hell for companies like this. People want to build credit not ruin it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63640337f9314e0bb3a665e6c596440a
encoding: FLOAT32
metadata:
{"chroma:document": "My experience has been very unpleasant. They have close my account without consulting. I still have a balance and credit available and was making my payments regularly and without any notification as email, phone calls or regular mail they just close my account. I think they do not care about the client's loyalty. They simply close your account without prior authorization or consultation with customers. They should notify their customer before making those decisions. Now they do not want to reopen my account nor open a new one and still I have to make payments to the account closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c513deb6e774e908af5a37ac82e4791
encoding: FLOAT32
metadata:
{"chroma:document": "Honestly, I will admit that I made a few mistakes early in life. Like most, I tried to find ways to get by and ended up with this lovely card. The fees are ridiculous, customer service stinks (as others have mentioned have individuals with think accents which makes it hard to understand). I just closed my account, but I am getting daily emails trying to get me to come back. I also think that I may have overpaid on my final balance but I am afraid to log in as the last email I received from them, (just minutes ago) said that it I login again before 2/27/19 that they will reactivate my account!!! Gah!! Do not get an account with Credit One! Go move back in with your parents, do not get this card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5dd6606cdd44cb59f1d7d11d91aa0aa
encoding: FLOAT32
metadata:
{"chroma:document": "BY all means, please avoid this credit card company. I initially applied and received card in an effort to rebuild my credit after a bad divorce. Started off good for about 2-3 months, then their shenanigans started. I made an online payment through my checking account at another bank and next thing I know, I was charged for non-sufficient funds, AND A LATE FEE which was a lie because I have direct deposit and KNEW money was in there before I made payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de6f248302b8490db82271e6167aeb02
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't had my card for even a month, called numerous times but can never talk to a person because their IVR either directs back to the main menu or directs you to go to the website, which only has the phone numbers for the IVR. I initially entered an old bank's account number and had updated it in the system three times, but Credit One keeps trying to charge the invalid bank. I even got emails letting me know the changes were saved, but they still do not update to the correct newer. Now I can't even log in and there is nobody to help me, yet they took a $75+ annual fee from me and I've never even used the card? This is such a SCAM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63cc57f87da54c209258e35a559e471f
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One operates under unfair banking practices. After making 2 payments and an error on their system. I request a refund of the overpayment. I contacted my bank. My account was closed and told they will report it to all 3 credit bureaus that they closed because of stop payment. You do not want to deal with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9fda2e2c2534c4ca8845d98c05ea94b
encoding: FLOAT32
metadata:
{"chroma:document": "I had this card and one payment was returned (didn't do it intentionally) and got a letter stating they would close my account if it happened again, it happened 6 months later even though I was making multiple payments a month. So they closed it. Trying to pay it back has been a nightmare, they lock you out of the systems; the app and online. So I have to call them every month to make a payment and they charge you a fee every time. The calls get routed to India and it's hard to understand what these people are saying and they call non-stop if you miss a day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb451609b66748d7a5d19fd8a359283d
encoding: FLOAT32
metadata:
{"chroma:document": "I have a credit limit of $600 with credit one! The available limit on my card was $7 and I never spent any of that. I logged on to my account and now see a -$5 balance and in my statement a reward for $1.70 which I see throughout the time I have had this card but never seen it added towards my account AT ALL!!! I see a past due mark for 02/20/2019. It\u2019s 01/29/2019. I have never been late on payments for this card or any of my other cards. They are giving false information that is lowering my credit score and making other companies decrease my credit limit! That just don\u2019t seem legal to me"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 364527508f624cfea4e2ba138fac1b53
encoding: FLOAT32
metadata:
{"chroma:document": "Being self-critical, it is my fault because one (1) I chose the card and two (2) I made terrible decisions causing challenges with my credit. In saying that, this company BY FAR has the WORST customer service I have ever experienced. The amount of prompts prior to getting to a customer service rep is infinite, and although entering your social, and credit card number you have to repeat the information. Secondly, on three (3) occasions I have been charged a late fee although I have paid promptly. The worst! You can absolutely choose a better option, even if you are in the need of repairing your credit. #VULTURES I have attempted to email and all Robert **, absolutely absent. AWFUL and LACK OF CUSTOMER APPRECIATION."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b070b670b4554bc88b99fa9dc545b8ed
encoding: FLOAT32
metadata:
{"chroma:document": "I have not used this card in months, had a zero balance; however, I am charged a monthly \"annual\" fee and interest etc. I am basically paying $25 per month just to have this card, which I never use and will close asap. Since I never use it, I had not logged in until later in the month since I thought I had a zero balance, so they have called me incessantly to collect their pesky $25. Buyer beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a25b2daa8d74d378d78bb78f5364691
encoding: FLOAT32
metadata:
{"chroma:document": "Worst card I ever had. Only had it for about 2 weeks and I just cancelled it today!! They charge finance charges even though you pay the balance, you can only make 4 payments in 30 days and it takes 5 days before you can use the money you just paid them. Plus $75 annual fee and then $99 after that. Do not get this card. It totally sucks!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a36d4faa8f834c27a3603f26fb8b3b38
encoding: FLOAT32
metadata:
{"chroma:document": "I FINALLY after about a year...or maybe more; got logged into my account online. It took so many tries and password changes due to incorrect error messaging and poor website experience in general. THEN when I DID get in after about 10 minutes (I am not kidding), the payment page was all jiggity jacked! There was code overlaying the top of the page design and I couldn't click any of the buttons. I swear on everything that is holy, these people don't have a properly functioning website. They just hire people to call you to make a payment and charge you $9.99. I don't care how desperate you are for a credit card... This one will not make your life better! It will suck your soul out through your nostrils and is not worth it! Dear God. That is all. Thanks for listening. :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82bc373aecfb48a3854ae84e0658730e
encoding: FLOAT32
metadata:
{"chroma:document": "I received a Revised Card Agreement in the mail regarding 'my' account with this company. They gave my account number...4 numbers and stated that my new agreement is 25.9% interest rate with a $99 annual fee. I do not have a credit card with this company. I am guessing that a lot of people would ring the customer service number to talk to someone and get scammed. Unreal!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 021488e921af4006a2e6fbab8925a75b
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One charges a $37.00 late fee for an hour past your due date. I was a date late and was charged a $37.00 late fee. Rep I talked to was very rude about it and claimed even if you're an hour late past your due date the fee is assessed. This card sucks officially. Capital One has better limits, rates and will at best send a reminder email or text when your payment is due. I have a newborn so yes a day slipped my mind. The reminder came that I was PAST DUE. Credit One claims to be there to help consumers rebuild credit etc but charging fees for people who are already financially challenged does no customer justice. Being that most are establishing, re establishing or rebuilding credit they pay the ridiculous fee. Credit One WAS the worst card I had and now I have canceled both cards! Be AWARE OF THESE CROOKS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c459a0d339c84f4ead56263c9127ed67
encoding: FLOAT32
metadata:
{"chroma:document": "In June of 2018 I applied for a credit card with Credit One and was approved. All I seen was no hidden fees so I applied. Not realizing it I got a $75 annual charge in the mail anyways, I paid it because it was my error. Just recently I got a notice that my $75 annual fee will be $99 now and be billed monthly. At that point I decided to cancel my card. \u201cA card that was never used\u201d. I called Credit One to cancel and they weren\u2019t helpful. I was on the phone for over an hour and completely agitated. I informed Credit One phone rep that I wanted to cancel and she refused and kept insisting it will ruin my credit and giving me a whole spiel."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1fa268916b34b7dbabff81f05996aa4
encoding: FLOAT32
metadata:
{"chroma:document": "This company asks you to set up several security questions to \"verify your identity.\" It even asks for permission to text you details about your account (ex: Balance due, suspected fraud charges). I attempted to use my card on a site I have ordered from before, and they denied the charge. I thought I entered the number incorrectly so I attempted again. I received a text message from the company asking if I recognize the charges, to which I replied \"yes.\" They responded that I am clear to continue using my card. However, I was denied several more times. Each time I would get a text asking to confirm my activity, which I again replied yes, but was denied. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98b0ea737c724cb397a557a86cea3f1b
encoding: FLOAT32
metadata:
{"chroma:document": "Received a text from them stating a charge was declined due to potential fraud. I check my statement and noticed there were two more fraud charges. The person I spoke to said that I needed to contact the merchant multiple times even though I have never visited those merchants. They also issued a new card without informing me first and now I cannot close my account. Steer well clear of this company as they are not looking out for you but themselves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03f6154fe1184aa6b2cda2d6caeacb55
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metadata:
{"chroma:document": "Received a notice in the mail today (VERY official looking, even containing the little card agreement and rewards booklets) about my \"account number ending in **\". I have no account with them and never applied. I called the 877-825-3242 (which is also listed on Creditonebank.com) and so stupidly, not even thinking, I punched in my social security number when prompted (it was \"checking on the status of an application\"). When I got connected, a man with a Middle-Eastern accent came on and asked me to re-verify my Social Security number. As soon as this happened I knew I had been scammed. When I asked him to just tell me more about this letter, he started going around in circles and ultimately said \"don't worry, you can trust me.\" That just gave it away. I hung up and contacted my actual bank, who has now advised me to contact the Social Security office as well as the three credit bureaus about this possible and likely fraud. Great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 516b20a8aaf24c10b9cb890bdb4c9212
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service is horrible!!! I had questions about an issue with the app and they wouldn't let me talk. They would interrupt me every time I wanted to explain the issue. That was so disrespectful but I decided to let it go and make a second call. I was still confused. I wanted to make sure the issue with my app wouldn't charge me twice. (I didn't know that they don't allow 2 payments in one day) Sean could have told me that in the first call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d38395fba754f8dac658168bfe8b871
encoding: FLOAT32
metadata:
{"chroma:document": "So I got a card from Credit One with the hopes of rebuilding credit like most other people. The card showed up and I used it sparingly for the month. When the bill came up, I Paypal transferred funds and didn't think anything about it further. Two days later I get a call saying the payment was denied because I didn't authorize it... Umm it's my Paypal to my credit card, how is it not? At that point they proceeded to cancel my card on the spot and then charge me a $50 late fee! I refused to pay for it and told them where to go. Now as of yesterday, 90 days later, they gave me a charge off on my credit report giving me a 120 point hit and adding another $25 late fee! Many phone calls are being made on this one, stay away from this crap company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92cbccbcec224b9fa39ee71bbada720b
encoding: FLOAT32
metadata:
{"chroma:document": "Called them to remove the block they placed on my online access account and said it was due to a unconfirmed charge. Asked me if I accepted the charge, yes or no. I said no, but it looked like they had processed the charge anyways, based on my mailed statement. They claimed it was just pending. Lies, I have the statement! I said I just wanted the block off, she assured me it was off. But I still cannot access my account and NOW, GET THIS, I call and as soon as I enter my info to verify my acct., the call automatically disconnects!!! WTF. So mad. I'm hoping this is fixed by morning and they \"unblock\" me so I can make my payment in time. This is insane. I will not use this card again, after I pay it off. Which is what I'm attempting to do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbcf00921c534db7b8e623b5adf2efe8
encoding: FLOAT32
metadata:
{"chroma:document": "Be aware!!! This company is a scam. When you try to make purchase your card will be declined. Also they lock you out of their website. I called to see why my card was declined they said it may be due to possible money laundering. I have a credit line of $300.00 and what I used, I paid in full. I'm not sure how paying off this card could cause such a ridiculous accusation. The so called Supervisor \"Mr. **\" asked me to send my personal bank information to confirm I was the person that made the payment. I won\u2019t be sharing this information. I called later that day to cancel my card. \"Stephanie\" wanted my password to unlock the account. As I begin to tell her, right away she told me that it wasn't right and of course she tried to pull more personal information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf06f271c74747c784ef76a9f5cde4e9
encoding: FLOAT32
metadata:
{"chroma:document": "I just received this card today, and within about 7 hours cancelled the card after trying to use it at several different merchants. I pretty annoyed by the $75 annual fee, plus the $8 fee on top of another $6.95 \"design fee\", all of which were not expressed to be paid as soon as you activate the card but since I am trying to rebuild my credit, I went ahead with it. I didn't get truly frustrated with the card until I tried to use the card, and with every attempt it was declined. I tried using it online first to make a payment...declined. Then I tried using it at Mcdonald's...Declined. Then I tried the most popular retailer in the U.S. (Walmart)...declined. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 022c253e7cd54ac5bee7bab121253e25
encoding: FLOAT32
metadata:
{"chroma:document": "I'm NOT even a Credit One customer and someone from THEIR office attempted to scam me starting with $409.95 (3x), $309.95 and a $209.95. Somehow they got my legit ATM card number and attempted these transactions today 1-7-2019 starting at about 7:30 am back to back. Eventually my bank and I got together and I was forced having to cancel my LEGIT card altogether. With them using the Capital One logo, people think this is a real credit card, it is NOT. Used to get their \"invitation\" in the mail all the time but went in \"file 13\" on my end. READ everything thorough from ANY type of card invitation. Research them. Just a matter of time now when they are closed down, in my case, this was a federal offense."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49f420608e7a4f1dbd04e79c64f28148
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{"chroma:document": "I went to an ATM Machine a day ago to attempt to get a cash advance, I already checked my balance and available balance online before doing so. It was declined. Stating that I had to contact Financial institution. I went to Lowe's believing maybe this had to do with cash advance and attempted to spend $25.00 much less than my available balance that I checked online and also receive notifications from Credit One that I have the available credit. I called the toll free number, they informed me that my card was blocked. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 868e426d879e4e608fe0a7713df97b0b
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{"chroma:document": "I received an offer in the mail and I went on the website to see what the offer was. I was approved and was led to believe that there was no annual fee and I would have a credit limit of $3,000. Once I accepted the offer, I was hit with a $75 annual fee and given a credit line of $300. Far different than what I was led to believe I would get. The first payment came due and I decided I would pay it through the website. I set the payment up, which by the way you cannot select the date as they select the date based on the time of day that you select make payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9a3bc264ebb49b2b71588dbca713da7
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst card I have ever had and the worst bank I have ever dealt with. I got this card to rebuild my credit but I am learning it is not worth it. These people are scammers. There has been many times when I could not make a payment online because I could not log in until the due date was passed. Just recently I made my payment a week in advance and it never posted. Now they are charging me late fees. I regret ever accepting this card. My new year's resolution is to pay this off and say goodbye to these idiots forever! Say NO to this offer!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fd0a35083614184aea197865cc56576
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card to purchase my tax & payroll software (I own a bookkeeping business & need to update my software at the beginning of the year). I am unable to purchase the software I need online because their computer thinks it is a suspicious transaction. I have phoned to get the charge to go through and it will not... The last person I spoke to - a supervisor - advised me to wait a couple days and try it again. My clients want their paychecks on payday! I am canceling this card and if you plan on making any online purchases, stay away from these folks - they are bad news!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84909479d8a743dfa1160e79d8f7e8e4
encoding: FLOAT32
metadata:
{"chroma:document": "Just read all the reviews for this company and you will get your answer. I first got approved and paid on time for months and when I had asked for increase, I was denied. I called to cancel and was then informed it has when I didn\u2019t know. I was on hold after being transferred to the department handling closing account. I didn\u2019t speak to anyone but when I called back, I was informed my card has already been closed. Please, do not accept or even attempt to rebuild credit with them. Credit One has been the best and automatically increased mine automatically. No for Credit One bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aba93837f1f54227883f33a20240a3e2
encoding: FLOAT32
metadata:
{"chroma:document": "My card was hacked last year. Company finally worked to put a password on my account so I could talk to them. Almost 4 months before my money was credited back. Now I find one of my cards was blocked without notice to me. After talking to rep, supervisor, supervisor's manager and now the manager's manager (I think they are just passing me around the room in India) they will not unblock my account unless I send them my driver's license and utility bill to confirm my address. They say I purchase I made 2 months at Target that was shipped to my home went to a different address. Really? \"You will not have access to your credit unless we receive these documents\". I will pay off this card and close the account. Company is made up of thieves. Stay away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fa4330365f04ae2a5bcd5c59f5ca1d6
encoding: FLOAT32
metadata:
{"chroma:document": "These people routinely block your access to your account with no explanation. You call them and they say you have to mail information in to get it unlocked. They prevent you from making payments except during set windows obviously so they have time to make interest off your money. In addition if you want to make a payment that posts in a timely fashion (like within 2-3 days), you have to pay an additional \"express\" fee. If you pay it the \"regular\" way without the fee, you have to wait until the second coming for it to post. They then hide behind the poor innocent people in their Filipino call center who take all the customer frustration for their criminal bosses who hide behind the scenes. What else is new, right? The cowards who make the decisions always hide under a rock. Disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17765e1a8f9d4d36bd12524c26ead65f
encoding: FLOAT32
metadata:
{"chroma:document": "Never had a credit card. First company to give me a chance but the stupidest thing I realize is when your payment is due per se the 28th of the month even though you make the payment on the 28th they still issue you a late fee. Will be contacting an attorney regarding."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebbacf6322194bd5a28ec79c6c12f4ce
encoding: FLOAT32
metadata:
{"chroma:document": "Aside from an initial fee charged when you open an account, they charge a monthly fee of $8.25 after your first year. When you accept a credit increase from them they charge you $25 just for the privilege of paying them more interest. When you discover that your credit card was lost or stolen (as happened to me) they charge you $25 for the privilege of receiving a new card. If you have made the unfortunate decision as I did to sign up for this card I suggest you pay it off as quickly as possible and cancel it as I intend to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d0127c0774548768654394ff40e042b
encoding: FLOAT32
metadata:
{"chroma:document": "This company is the worst I've ever worked with. I am never able to access the website to make payments, on hold for more than 20-30 minutes minimum just to make a payment by phone, and the fees are horrible. They repeatedly suspended my account just for making normal transactions near where I live, essentially making the card useless. To make a payment by phone because their website is down or to get in contact because I'm locked out due to suspension, it takes 3 days just to allow me to log on to check my balance or get any information on the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea7a1b143a124d6ea1ea41fd82275e1b
encoding: FLOAT32
metadata:
{"chroma:document": "Probably the worst credit card company out there. They charge 12.00 per month in fees. If you ever have to call for any issue you will never receive any person who speaks understandable English, even the managers cannot be understood. You cannot even make a payment on the phone, they only allow payments online which in my experience you also have to pay $5.00 just to make a payment online, so unless you have checks it's a nightmare. I recently ended my account with them after 3 yrs. If I would have paid attention to all of fees from the begin I would have ended it earlier. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f502114f3895431fa1301edc915ce641
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service representative 'MARY' asked me more than enough questions to verify my identity. But then she proceeds to ask me what was the security question I was asked when setting my account over the phone. This was over two years ago!! Even after I asked if there was another option to verify my identity (ie. text to my phone or email verification), she proceeds to tell me she cannot help me unless I verify the security question I was asked when setting up the account and the answer I gave. I asked to speak with a supervisor, after which I was put on hold indefinitely. I've never experienced anything like this. Credit One Bank is a diabolical institution!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13513f64df6048ad97716f3780407630
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank is a scam! They offer a $400 credit limit & charge an annual fee of $75 right off the top! Then charge you interest & late fees on top of that annual fee. The card is not usable. It gets declined every time. When you call customer service you will get hung up on & disconnected. There is never a supervisor to speak with. The attorney general should get involved & close down this scam of a company! They are taking advantage of people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08f83493d6b44e17aeaf435f7c584981
encoding: FLOAT32
metadata:
{"chroma:document": "There are no words to describe the unethical verbal abuse one has to put up with their overseas customer's service department. I over a period of three months for different occasions have been verbally abused, yelled at, hung up on by overseas customer service representatives who hide behind a phone with no understanding that they are servicing Hard working American citizens that have no reason to be treated this way. The card is good to rebuild your credit but if you have to call in ask to speak to someone in the USA Las Vegas. I have 5 recorded phone conversations of unethical individuals violating all decency in human relationships. Someone in management needs to address this situation ASAP before more lawsuits are filed. Come to the USA and don\u2019t hide behind a phone and we'll see how far you get with the verbal abuse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa5c82f3bf514b1a85d27cb378b7b67e
encoding: FLOAT32
metadata:
{"chroma:document": "Using a credit card is both a responsibility and a discipline. Long ago, the death of a spouse plummeted me into poor credit rating, so the climb out began. Beware of this resource. Owning this card is a mine field. First of all, this is a obviously a credit-building credit card; it targets the \"low-end\" customer and the vendor truly takes aim at that customer and fires hard. Though they have a fairly impressive user infrastructure online (hence, the star) surcharges for \"express pay\" and \"custom card designs\" are just a few things designed to bilk the unsuspecting. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e699f6266bac4ca79daea9ddb6d1af27
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for a year. I have had to make late payments on a few occasions because the website is almost always down. I do not like giving my information over the phone. Then their website wouldn't allow me to log in saying my password was incorrect. Even after several resets, it would say the temporary password was incorrect as well. They told me I had to download the app. I downloaded it and when I tried to put in my banking information the routing number was off one digit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4888386198242749cb110d782aaf608
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could give this crap of a company ZERO stars. Please stay away. Best not to have a credit card than be associated with this company. I honestly don't know how they are in business and you can never talk to someone in the States. The workers are literally clueless and you'll never get any help from them. I had fraud on my account in April of 2018, still haven't received my refund even though I received a new card and a letter stating they did investigation and that it wasn't my charges and I will be receiving a refund. I call every week since but they keep giving run around. Basically the head doesn't know what the arm is doing. The minute I get my refund I'm closing this account. I have better cards with way higher limits and NO annual fees or monthly BS fees. Don't need them. Can't wait to close my account!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5929d2c69f64403a626a145fc8e4cbf
encoding: FLOAT32
metadata:
{"chroma:document": "This company sucks. Fees are ridiculous, if you are late on 1 payment, they will call you 30 times a day from different numbers. The numbers are somehow always local to your current location and I have location turned off in the app on my phone. If you make your payments on time, it's hard to get a credit line increase. Plus they do not have an auto pay option like my other credit card companies have. Never missed a payment with Capital One doing auto pay. But don't get me started on their fees and lack of customer service either. Pay off your cards with this company and shred them. Garbage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e213e4a9b84e4a96834fff9cc3ff0460
encoding: FLOAT32
metadata:
{"chroma:document": "I would not refer this company to anyone. Someone had fraud on my Credit Card and I called it in before it actually went through and this company told me it would take 3 months to get my money recovered. WHAT credit card company makes you wait 3 months (during Christmas season) to reimburse you funds or make them available. So basically my money was stolen, and now this company is penalizing me for them letting a security breach through their own system. I wouldn't stay away from them if I were you. I personally can't now because they are holding my money hostage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f8af37acbfc44c4a18a3ed6f8c5ca42
encoding: FLOAT32
metadata:
{"chroma:document": "I received pre-qualified offer, figured okay I can use my main card less and use this card for random small purchases. Card arrives - I call to activate then I go online to activate online access and the nightmare begins. 5 calls in fifteen minutes I had to make as I kept getting error messages saying everything from ID and password not accepted or don\u2019t match, computers down, one customer rep told me to answer security questions. Only thing is as I am not able to register I HAVE NO security questions set up, then they told me last four digits of social were out of sequence YET the four previous customer service reps had no issue as they too confirmed my social when I called. "}


