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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.


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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.


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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.


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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.


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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.


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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.


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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...


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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


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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. 


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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.


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Ok. So, I received a preapproved offer in the mail. Applied got approved. I honestly believed I was applying for a Capital One card. I even called Capital One and they kept telling me that they had no account with the info I provided. I became scared I’d had been scammed. So I called the number on the back of the card. Kept getting hung up on. I had let the card sit and didn’t use it. After a few weeks I thought I better activate the card and called the number on the back of the card only to find out I had a balance. A 109.00 balance. My bad. I didn’t read the fine print. Also, the due date was the day before I made the call. Total panic.


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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.


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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. 


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I have had the card a few years. They kept adding some credit protection to the card and I a few times called to cancel it and they cancel for a few months and then sneak it back on. Today called to cancel card and the lady tried to save it but I said please cancel and she hung up. Called back and suddenly asked for my full social, date of birth, etc and said it’s already cancelled. Go on the app it’s still active. Call back to cancel again and they hung up on me again


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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.


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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!


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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.


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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.


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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.


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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...


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I make my payments by the 18th of each month, I haven’t been late once and every month I get 10-15 calls a week from them asking if they can process my card over the phone and make a payment on the card and put a 50$ hold on my card.


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I have a Credit One credit card with a $300 limit. Three months ago I paid all my credit cards at all, and my credit rating score made a great leap forward. I open up the credit one account just to build my credit, Yes they did not report that I have paid them in full for almost 30+ days, while the other credit cards that I have updated my account immediately. I missed a payment two years ago right at the beginning of Covid, and it began making extra payments to pay off my credit debt. Credit one never failed to call me if I was one minute late. So when I paid all my credit cards off, I didn’t receive any calls, I did not receive an invoice, and logically I presume that I didn’t know anything to any of my credit cards.


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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!!!


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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.


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I’ve been a customer with Credit one for over 3 years with 2 accounts. I was declined a credit increase each time it was requested. I make well over The average salary yet have only been given a limit of under 900$!!! Each time when asked why am I being declined I am given the run around and never a direct answer. And before you ask YES I AM OF COLOR!!


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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.


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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.


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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.


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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


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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.


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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.


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I paid my credit card bill over the monthly payment due 2 times and both times they returned my payment so I paid the minimum amount due on the due date and they returned my payment again and close the account. It makes no sense. I have never heard of collector turning down money. So strange to me. I’m rebuilding my credit. I think they are designed for you to fail. They close my account and asked a representative if you pay do they delete off your credit report and of course they don’t delete off your credit report. Such a disappointment. If you rebuilding your credit or just starting building credit stay far, far, far away from Credit One. Truly a bad experience. Beware of this company. Very bad company to deal with if you get a credit card.


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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.


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I’m not going to write a book about why they suck! Pray to God you don’t need a replacement card. Because it will take two months just to get it. And make sure you don’t ask for a supervisor. I was told on the phone customers can’t talk to supervisor. That’s a no no. They told me I can’t cancel my account until I receive my new card. Lol. It’s not worth the headache. I know you're going to get all excited when they tell you that you have been approved for that big 500 dollars in the sky. .


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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. 


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So first off, I’ve been a customer for a year now and I am transferring this account to USAA. These people charge a BIG annual fee, and a fee to pay the bill over the phone. They call you like every two days within the billing cycle if you are behind. I found this out after my debit account was deactivated by my bank for fraud. It’s a family owned business because I have gotten the same four people so far with lots of background clutter. Very pushy and greedy even after I told him the issue. 


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I recently signed up for the credit card and now received it in the mail. As I am trying to set it up for use with the app, I keep getting error messages saying “for security reasons… blah, blah, blah. Call this number.” So I call the customer service number they provided and it prompts me through until I put in the last 4 of my social security number. Click. The call ended. So, I called back and got a little bit further that time. It rang for a second, then went silent for nearly a minute, and then hung up. I tried for a third and final time and got the same result as the first time. As stated in the title of the review, not off to a great start, Credit One!


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2 stars because they approve you for a $300 credit card even if your credit score is low, but with the highest APR of any bank. I had a score of 540 when I opened an account with them and one time I had a payment returned and within a week my credit balance was $563 meaning I was on -$263. My score took a knock to the lowest of lows. This credit card is a business venture and not a way for you if you struggling to make ends meet! The customer service is run from India I presume so you won’t get any help, if you eventually get someone on the line and you ask them too much they just hang up!


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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.


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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.


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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.


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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.


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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.


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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!!


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No autopay. Applied twice for a credit line increase and have been denied but was offered a $1500 new line of credit. It doesn’t make sense. If they can offer me a new line of credit of $1500 then why can’t they increase my current account with them? None of the customer service representatives have an answer for this and I can’t get anywhere with asking for a higher up. My current account has always been on time and my credit score is above the 700s and I still can’t get a credit line increase on my current account. I don’t want a new credit card with a new limit. If they can offer that then they can increase my current. I have had nothing but problems with Credit One in the few years I’ve gone business with them.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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This co is shady! I lost my card that I pay my Credit One with so as a result that payment didn’t go through. I didn’t know. I found out a few days and paid double payment. They took it and still turned me over to collections! Never had bad credit. I’m 63. They are still taking money and I’m in collections! Looking for legal help.


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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.


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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.


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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.


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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. 


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I have used this credit card company to build credit. What a HUGE mistake! Customer service can be described as trying to deal with a box of rocks! They report to the credit bureaus that your payments are late when in fact they are not! I’m still trying to get my credit back because of the incorrect information they reported; I have never missed a payment nor have I been late even through a year long pandemic! I’m submitting this review for any individual within the sound of my words...DO NOT USE THIS COMPANY. YOU WILL REGRET IT!!!!


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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.


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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.


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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!!!


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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!!


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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!


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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.


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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.


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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.


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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.


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


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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.


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


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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. 


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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.


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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!


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


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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.


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


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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.


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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.


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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.


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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.


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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!


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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.


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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!


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


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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.


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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.


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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!!


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


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


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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???


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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. 


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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.


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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.


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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.


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


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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!!!! 


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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.


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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.


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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.


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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.


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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.


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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??


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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.


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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.


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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. 


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


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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.


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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.


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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.


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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.


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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.


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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. 


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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!


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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". 


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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. 


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


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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.


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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.


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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.


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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.


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


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


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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!!


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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.


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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.


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


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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.


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


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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.


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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....


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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.


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


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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?


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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). 


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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!!


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


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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. 


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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.


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


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


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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. 


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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.   


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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.


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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.


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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. 


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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!


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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.


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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.


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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.


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


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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.


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


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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. 


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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.


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


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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.


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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!


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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.


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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!).


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


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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.


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


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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.


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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.


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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. 


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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.


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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.


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


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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.


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


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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... 


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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.


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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.


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


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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.


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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.


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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.


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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.


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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.


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


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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*.


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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. 


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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.


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


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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!


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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.


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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.


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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. 


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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).


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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.


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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.


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


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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!


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


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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.


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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. 


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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???


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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.


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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.


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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.


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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. 


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


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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. 


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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.


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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.


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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!!!


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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.


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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’s been closed. Reaching out to the BBB - this bank is a complete racket.


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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 **.


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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.


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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.


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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’s just screw all new customers over. Be warned about this fake ** bank. They did this to me when I’m a new “member”. Don’t be fooled by their **. Don’t even take a chance with this place because it’s a huge hassle to un** what they do to their “Customers”. I’m gonna making so much noise about this ** their CEO is gonna ** himself when this place gets utter ** by Bill Cosby. Shove it????


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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. 


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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.) 


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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.


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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.


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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.


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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!


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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!


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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.


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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.


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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. 


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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.


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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.


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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.


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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.


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Terrible system. Always asking you to verify to bank account. Don’t 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’t listen to what you’re saying and keep over talking you and telling you not to worry. Seriously don’t get this credit card. It’s not worth it. Will be paying this off and closing my account.


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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.


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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.


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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.


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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!


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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. 


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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.


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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.


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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.


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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’t 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’t 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’s 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.


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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.


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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


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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!


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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. 


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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.


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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’s down 60 points. I am so upset that I can’t see straight. Do not get this card. It is not worth it. I had to give one star. They deserve 0 stars.


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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. 


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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). 


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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.


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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.


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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.


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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!!!


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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. 


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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!!!


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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.


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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. 


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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.


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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!


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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!!! 


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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.


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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. 


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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.


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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.


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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?


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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?


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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.


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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.


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I signed up and got a credit card from Credit One Bank. I’m 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’re 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’t 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.


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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. 


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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’t use this company.


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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.


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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.


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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.


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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.


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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’t know how these scammers sleep at night!!!


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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!


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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!!


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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.


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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.


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Let me start off by saying I didn’t 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.


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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??


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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.


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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’s always something with these guys. He told me my account is close but I will still get statements for 3-4 months. Tf?


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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.


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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’t 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’t want a specialty card my new card would be coming in a few months. I didn’t 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’s 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’t used the card in a couple of months and wasn’t paying enough over the minimum payment so they closed the account.


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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.


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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.


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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!!!!


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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???


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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.


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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.


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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.


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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! 


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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.


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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.


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Don’t 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 “look into it”. 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 “customer” 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’d have to be INSANE to ever apply for this card again!!!


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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.


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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’t advertise or list in their automated system, you have to hit “0” 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’T USE THEM!


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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.


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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!!!!


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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.


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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.


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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.


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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. 


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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.


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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.


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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.


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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.


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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!!!


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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.


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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!


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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?


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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.


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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.


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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.


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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.


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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.


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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.


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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???


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I’ve 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 “did not clear.” 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.


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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. 


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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. 


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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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!!


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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. 


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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?


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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.


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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.


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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!


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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.


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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.


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I’ve 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’t able to walk you through your bill or the reasons why payments haven’t posted. I’m 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!


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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.


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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..


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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.


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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.


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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.


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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’m through trying to reason with Credit One, do yourself a favor and find another card because any issues will not get solved!


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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’s been over 20 days now. Still no access. Ugh!


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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.


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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’m being overcharged and I now have a balance of $566. Credit One is refusing to reverse this, I’m literally being robbed. DONT DO BUSINESS WITH THIS ENTITY.


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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!


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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!


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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!!!!


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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’t 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’t 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’t even tell me what address to send it to. As soon as I get this sorted out I will be canceling both accounts.


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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.


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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."


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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’t get caught up with this outfit!!!! This institution is a scam!!!!


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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. 


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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!!


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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. 


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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.


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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’ve been with them for about two years. People have to realize they are a small company and although I don’t 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. 


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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.


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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. 


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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.


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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!!


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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. 


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I’ve 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’t make a dent. Every question you ask about some type of help “I’m sorry we can’t, I’m sorry we can’t.” Oh and “I understand but there’s no other options or ways to help you.” I regret the day I filled out the application.


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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". 


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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. 


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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.


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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!!!!


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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.


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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.


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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


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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. 


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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.


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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.


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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.)


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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.


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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.


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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.


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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). 


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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?


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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!


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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.


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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.


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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!


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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’m 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!


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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.


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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!


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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.


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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.


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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.


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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!!!


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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.


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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. 


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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.


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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!!


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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. 


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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.


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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 “punishment” 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!!


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I’m 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’t 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’s 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!


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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!


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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.


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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. 


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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.


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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.


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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.


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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!


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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. 


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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.


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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.


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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.


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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’s 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’t seem legal to me


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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.


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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.


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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!!!


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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. :)


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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!


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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!!!


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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. “A card that was never used”. I called Credit One to cancel and they weren’t 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.


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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. 


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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.


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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.


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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.


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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.


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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.


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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’t 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.


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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. 


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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.


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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. 


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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. 


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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!!!


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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!!


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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’t know. I was on hold after being transferred to the department handling closing account. I didn’t 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!


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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!


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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.


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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.


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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.


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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. 


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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. 


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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!


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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.


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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’t hide behind a phone and we'll see how far you get with the verbal abuse.


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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. 


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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. 


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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!


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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.


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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.


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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’t 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. 


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This is one of the most horrible credit card approval I have ever experienced. Trying to build my credit score has CA it set me a decrease in my score. Approved for $300 and leaving me the availability to spend $150. On top of that a $75 annual fee was taken as soon as I received the card. A recent incident occurred 11/4/2018 via communication received the breach the customer's accounts and there was nothing to worry about. I tried paying my bill online and discovered my bank account information was gone and a debit card information that I pay my bill from is gone. 


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I have paid this credit card off and I noticed they were charging monthly fees between $8.25-$8.66 every month. I couldn't figure out why. When I called, they did inform me that, "Yes, it is monthly fees". They connect me to Account Specialist and they acted like they were going to do me a favor by taking the monthly fee away until JULY 2019. I have excellent credit and I've had this credit card since 2002 (16 years). I do not remember having to pay a monthly fee like this. Also, they sent out mass texts on "Your payment is overdue". I freaked out! I have a $0 balance. Credit One says it was a system error. You would think with all the money they are ripping people off with the monthly charges, they would be able to keep their system running smoothly.


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Online application leads you to believe there is $0 annual fee. They do not send you any email regarding your application and then once you finally manage to log onto their website, you'll be surprised to find a $75 annual fee that you agreed to somewhere in their tiny fine print... UNETHICAL.


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I am going to blog about this card company that needs to be put out of business. I receive an offer via mail. Accepted the offer without researching the history and customer reviews. That's my fault. I have only been able to use my card once. Each and every other transaction has been declined due to let them tell it to protect your card from fraudulent charges. I will call. Confirm it was me. I'm then told I have to wait 30 min then I can try again. However if it does not work use another card or wait 24 hrs. Are you serious? Once I verify I have to go thru all of this. 


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I received a text last night saying my payment was overdue. Funny thing I paid it off a week ago and knew I had a zero balance. I tried calling, getting on their website and could not. I worried all night. The acct got hacked with a link to my payments going to my checking acct. Called and canceled my card today and they tried very hard to talk me out of it. I told them I cut the card and to cancel. I received a confirmation number, but I still do not trust they did what I said. Will check back in a few days. They do not have an explanation as to what happened last night. Goodbye Credit One.


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This credit card company is by far the worst I have ever dealt with! I got a card with a 300$ credit limit in February of 2016. I have paid three times the amount I have borrowed and still have a 650$ bill! When I try to pay my bill online they let me go log in and approve a payment then at the end they display a barely visible message saying I’m locked out of my account and in order to make a payment I have to call. Then when I call they usually charge a fee for paying it over the phone. The first few times a didn’t see the tiny error message and then was charge an outrageous late fee. They also charge a MONTHLY membership fee of about 12-13$! The interest rates are also thru the roof! This company screws you over. DO NOT GET!


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Just received card on Nov 28, 2018, can't get a hold a customer service rep. Due date is not until Dec 21, 2018. Received message stating past due, then ask for Social by automation. Holding for 30 min and phone shuts off. I continue to call and nothing. Website is down. I will call Better Business Bureau and Credit Bureau tomorrow. This is sad. It's so difficult to keep building and maintaining and now this scam. I'm very upset. Now this...


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I paid both credit cards off and canceled with this company in 03/18 and I just got a text from them with the last four numbers of the card I canceled saying my monthly payment is past due. 10 months later they're trying to bill me for something I have no idea what and I tried calling both numbers and they hang up after so many rings. I've tried going online and their site won't even open. It says they're available 24 hours a day and can't get a hold of anybody online or by phone. They're scammers trying to get away with something. I'm filing a Report with Consumers Financial Protection Bureau, www.consumerfinance.gov/Complaint, today 12/6/18. Hopefully they can get some answers!!!


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This bank will end up in a class action suit in the near future because I intend to start one. I called about the annual fee and they agreed to waive it if I stayed... So I did. 2 months later they began billing me again for this annual fee. I tried calling again to cancel the card... Impossible. Today I just paid my balance in full and got a text message and hour later that I was past due when my billing due date is somewhere at the end of the month. I can't call to talk to a human because their phones aren't working and I can't log into my account online because their website isn't working either. Criminals...that is all I have to say!!!


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Last year at this time I received my Christmas bonus and paid off all my credit cards. Credit One though ran the cell through twice on my checking account which then in turn put my account negative. Other checks were out still coming in running my account further and further and further in the hole 2 weeks before Christmas. I have children. I have a wife. I have grandkids. I called to resolve the issue and they refused to cut me a check and mail it back or just flat-out deposit it right back into my account which we all know is possible.


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Closed accounts several months ago. Making payments on time! Harassing me with text messages that payments are late. Unable to reach them by phone. Their site isn’t working! Never happened until I closed my accounts. So sorry I ever opened accounts with them!!! They are not available. I’m afraid they will ruin my credit! This company is a fraud! So many are complaining about the same issues. They need to be reported. Make a payment, decide to close accounts and the harassment begins!!!!


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I wouldn’t advise anyone to ever get a card from them... I got the card to rebuild credit...I went to pay them on the due date which had to be paid by 5:30 Pacific Standard Time. I paid by 4:30. I called to be sure I was on time. The rep said I was. They still charged me a late fee reported it on my credit... They show you your credit score. It’s not accurate. Been with them over 8 months no credit increase. And today I got a text saying my payment was past due and it’s not due for another week... Once I get them paid off I am closing the account. I don’t care if my credit score does drop.


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I've had a card from Credit One for roughly 4 months. In my second month, I was unable to reach their website from home or work trying to make a payment the day before my due date. The site was not working. I called them and they refused to acknowledge that the site was down, and told me I had to pay a fee to make a payment over the phone. I was not happy. 2 months later, I get a text from them that my payment is late. How can that be? I check my Outlook calendar, where I keep all my monthly payments as recurring appointments, and there is Credit One on the 16th each month. Today is only the 6th. I checked my last payment made to them, it was on the 14th of November. How can I possibly be late?? I try to log in, site won't respond. I VPN into work from my computer (home internet is Comcast, work is FIOS), thinking maybe it's a Comcast thing. Nope. Can't reach their site from my work PC either.


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I received a text this evening stating that my card payment is past due. I find this interesting because I just paid them on December 4th 2018, which was 2 days ago. I attempted to login to their website numerous times on my computer using both Internet explorer and Chrome. Nothing worked on that site, browsers just keep spinning. I even cleared the cookies and cache. I next attempted calling their phone number listed on the back of the cards, just rings a couple times and goes busy. I also tried calling their technical support number and it just keeps ringing, no answer. What the heck is going on?


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I have tried to make a payment to this bank for a credit card I have with this junk bank and I can not get on website or get through on the phone but did receive a text from the bank saying my account is past due and have been charged a late fee even though I have been trying to log onto their website and called their number 877-825-3542 and had no luck contacting a human or computer. Why is this legal? Why can this bank get away with doing this to people who have never missed a payment or have never been late? They must really be needing money...it should not be legal!! They do not deserve the star that I was forced to rate them with.


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I am trying to cancel my card, or even get into touch with this business at all. I've called their customer service line (the only phone number available connected to this company at all) and tried to visit their email (which hangs, and somehow even managed to crash my browser). This is absurd. This is clearly a fraudulent company and should be shut down by the government. In the meantime I'm reaching out to everyone who says they work here on LinkedIn to find out if they are real or not, and to urge them to make better life decisions.


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Latest episode - I just received a text message saying the account I closed nearly A YEAR AGO, is past due! I called for the 5th time (yes, I'm keeping track) to find out why I received this annoying text. After twenty minutes on hold, a rep comes on the line and says they are having "systems issues" and asked me to call back in one or two hours and said, "Thank you for calling" and hung up on me without my being able to utter a single word. I called back again and after waiting 30 minutes this time, I interrupted the rep trying to say the same thing again and asked why I received a text saying my year-long closed account had an overdue balance and I was told that their "system error" was sending out text messages telling their customers they had overdue balances. The rep couldn't check to tell me anything about my supposedly closed account either.


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Like so many other reviews before mine, I totally agree that this is a real bad credit card that you can get. I have been with them for 3 yrs and my account was in good standing, never late & using it often. But they closed my account just last week after my current card expired for no good reason!!! My credit score had gone up since I first opened the account. They can't give me any legit reasons for not renewing my card. Stay away from this card unless you want headaches & frustrations!!!


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This company repeatedly shut off access to my account, blocked my account, suspended my account online, refused to take early payments for my balance, made it difficult to make payments. You cannot understand anyone who speaks to you on the phone. The department that I needed to speak to so I could pay off and CLOSE this account was conveniently closed every time I called there so I couldn't even close this account. I missed ONE payment by two days due to some issues with my computer dying and having to buy a new one. They suspended my account and it took me THREE WEEKS of calling there and getting the runaround to finally speak to someone. 


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I paid my balance off in full. Went to use it and it was blocked because I paid my balance off. Was told I needed to send a bank verification letter. So my bank send in a bank verification letter and spoke to rep to confirm I was the owner of the checking account the payment was coming from. Removed the block. Then I went to use two days later to purchase a Christmas gift and was blocked for suspicious activity. Called, confirmed activity via text and still blocked so I called in. Confirmed yet again via automated system and went to use and still blocked! So I called in to customer service and was told I needed to fax a valid ID and utility's bill before my card could get unblocked! Worst bank ever. I never had such hard time using a credit card. Don’t apply for this card. You will be sending your personal information each time.


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I was notified of a possible fraud charge on my account and it was locked. I also use paperless statements and get them through e-mail. Called to resolve it and I need the monthly due date and the account number. I do not know the monthly due date because I pay everything on the first of every month regardless of when it's actually due. I have to log on to the site in order to get the information that they need and I cannot do that because they locked the account but the fees and interest charges are still adding daily. 


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Do not take one of these cards from this company...even if they send you a card in the mail without even applying which is how I think I got this card. Used this card while traveling on vacation for a few hotels. Not a large balance. Have always received my statements in my mailbox NOT my email. Your email is a bad place. Just one more room for error and forget to pay is what I say so I never do it.


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My monthly payments are $35.00 a month, I pay $75.00 a month. I locked the card away over a year ago and haven't touched it yet. After a year of payments my available credit is $52.00 of a $700.00 limit. Last year before I locked up the card I paid $700.00 to pay off the card so I could use it in Vegas, by the time I got to LV my card was locked and I could not use it and my balance was $735.00. I called to see what was going on with my card this morning and was given the runaround and told there was an $8.00 a month annual fee and a $6.00 insurance fee. They said there were no other fees. I wanted to close the account but was told that I would continue to be charged these fee even though I no longer had an account with this bank. Plus they keep pushing a $150.oo credit increase for a $25.00 one time fee. Something is rotten at Credit One Bank.


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My complaint is regarding deceptive behavior and financial fraud that is the standard of business at Credit One Bank. I opened a card with Credit One in September 2018 to help build and establish my credit. I had received a mailer from them saying I was pre-approved for an account. Nowhere in the paperwork does it tell you that they charge you a $50 fee every month to use the card. It is a hidden fee. And even when you call them and ask they dance around the topic.


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They lock my card up after 6 months... I asked them for a reason. They gave me a few excuses. The first was because of the merchant...really Walmart. The second was suspicious activities. I used the card about twice that week. One was Wawa. The other was Walmart. Then they told me they cannot unlock my card until I provide a copy of my license and residence by mail and when they receive, it would take 7 to 10 business days to unlock. If you feel like being embarrassed by a card this is a good choice.


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Like everyone else I wanted a company to help me with my credit. I thought I was applying at Capital One. To my dismay it was Credit One. They have the same logo as Capital One. When I called him out on it they beg me to stay with them and they will waive a part of my annual fee. I did. I decided to give them a try. Was the worst thing I ever did. I'm surprised the Attorney General haven't investigated this company. They charge me a $25 late fee when they receive my payment. It takes them 5 days to get the payment from your bank or payment center. And I think they do that intentionally so they could charge you the $25 late fee. Which basically give you a low credit score so it defeats the purpose. They are based overseas. They need to be investigated by the banking industry. Stay away from them.


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I was desperate a few years ago, that's my excuse. Be aware they charge interest daily... so even if you pay off the card every month, you still pay interest. Customer service is horrible. Fees Fees Fees. They put a $45 fee on my card year 2 with no notification. If you want your payment to post right away, that costs $9.95. Only reason I'm keeping the card is if I cancel, I'll take a hit on my credit score. I will never charge anything on this card again.


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I just called customer service after discovering I got charged interest even though I paid the previous statement balance in full. She explained to me there is no way to avoid paying interest charges each month even if I pay my balance off in full each month. This is the first card I've ever had that rips you off like that. I told her I'm paying off the balance and closing the card. Ridiculous!!!


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OMG... the worst customer service EVER!! I still cannot use my credit card because it's locked. Here's my story and how it all began - I have a large limit, and paid my balance just over 1/2 of what was owed. Payment cleared my bank, then an unexpected emergency came up with a family member and I needed to purchase them some personal items, well while at Walmart I decided to shop for Thanksgiving dinner. Went to check out and use my card for a $397 purchase and it was declined! I was embarrassed beyond embarrassed because I didn't have another form of payment with me as I use (Walmart Pay) and only had this credit card loaded.


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Tried to log in the morning of 19 November 2018 and found that I was unable. Login attempts would just sit there with swirling arrows in the login button. Against my better judgment, I called in to speak with a rep. After pounding random keys for 5 minutes, I was finally able to reach an "Ivan" who I'm not sure is really named Ivan given the Indian like accent. Tried to explain that the logins weren't happening... no errors or anything. The guy was absolutely clueless, it was like talking to a robot. Kept saying he apologized for whatever inconvenience over a dozen times during the call to which I told him no more apologizing. 


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Today I checked the balances on all of my credit cards today and when I got to this one, the balance was twice as much as I remember using. So I go on my online account which was like pulling teeth to get into and I see late fee, late fee, late fee, annual fee. I got 3 late fees totaling $95.00. I THOUGHT I had auto-pay set up. Funny last year I did and when the balance was paid off, they were still taking out $50.00 a month. I made a $100.00 payment today and as soon as this gets paid off, I'm done!! Mind you I have many other cards and this is the ONLY one I've had late fees and a problem with. SCREW THIS COMPANY!!


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I have 2 credit cards with this company which I am so done with them. I always get sent to another country and this evening I had to make 3 calls to them because I was left on hold for over 10 minutes each time. Finally the last call the gentleman would NOT answer my question and I said, "Well I will have to call corporate to find out what these charges are. Well (Stephen customer service rep) threatened me and said, "If you are going to call corporate we are going to have to end this call. I lost my ** and went off on him. I have never been treated so poorly by a credit card company in my life. A month ago I went through the same process on trying to change my name and India wanted me to send my SS, Driver's License and Marriage certificate to them. 


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I mailed in a check for payment to my credit card account. My statement was in the envelope and my account number was written on the check. I waited almost 2 weeks and my payment was still not posted. My husband also has a Visa with them so I checked his account. He already had a zero balance on his account but they posted my check with my account number to his account giving him a credit of $1500. While my account still had a $1500 balance.


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I thought the credit card was good. My pre-approval letter said no interest for the first year no annual fee but once I checked my statements (15 months later) I see I have been charged an annual fee AND interest the entire time since the day I used the card. I'm not a happy camper and I will be cancelling my card as soon as it's paid off.


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I thought my card payments were going through until my card was being declined. When I called to ask about it they said they needed an official letter from my bank, Wells Fargo, to let the payments go through... I've never had to do this anywhere before, I don't have time for this so I closed the account but I was able to make a final payment through my WF card so it doesn't make sense. Anyway, too much trouble and not getting informed about returned payments for over a month was probably bad for my credit. Stay away.


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Twice someone has called Credit One Bank and pretended to be me. They say I have moved and have a new credit card, new number too, sent to that address with my name. This happened at the end of July 2018 and the beginning of November 2018. Each time a different address and number. The first thing they did was pay off the account. In July I caught it before they made any charges. in November they paid off my card then made charges. I think these were valid payments and I wonder who the payment amount was sent back too. Credit One Bank, the fraudulent person? 


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Total scam!!! I scheduled a payment as I have before through their app - payment to be made early through my bank account. Day after it was due I get an email and notification in the app that my payment was OVERDUE! They tacked on a late fee of $35. I called customer service - they said "we were unable to locate your account" - WTH does that mean? We verified the routing and account numbers exactly as they had been before. The only explanation I could get was, "maybe something has changed with your bank or you had one number wrong" - We JUST VERIFIED THE NUMBERS!!! I wanted them to take the payment over the phone and got them to waive the late fee, but they would not take the payment from the account - they wanted a debit card. 


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Stay far far far away from this company. The customer service is awful. I don't mind speaking with reps from other countries but I generally can't understand their reps. If they are going to outsource, they should at least make an attempt to assure the people they are hiring are proficient in English and not beginners. Also, I forgot my password which made it so I could not login into their website and make payments. So I called customer service. I explained to them that I forgot my password and when I requested an email w/ temporary pw, it never came. 


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Be very aware that this company is full of scams. When trying to close my account. I was told my renewal date was months away and I should wait to cancel then and for staying until then, I would credited $39 in my account (which never happened). Now still 2 months before I was told renewal date was, I have already seen my annual fee being charged to my account. Of course now I have to pay it to keep account in good standing. They use pressure tactics to keep you from closing account. DO NOT FALL FOR THEM. I agree with others, stay as far away from this company as possible.


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Credit One bank charges you for every breath you take. They charged me annual fee right away from my balance when I started, they refused to send me a replacement card for free and wants to charge me $25. They charge monthly so many fees including maintenance fee annual fee plus interest. Now I need to make payment but I couldn’t because in order to reset your password you have to type in your credit card number but I don’t have it. In addition, they wants to charge me $9.95 to take the payment by phone. I don’t recommend it. They are aggressive fee charger.


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My checking account was debited twice for a single payment I made, well ahead of the due date. When my Credit Union charged back the nonauthorized payment, Credit One suspended my account. Credit One wanted a validation letter from my bank, which was sent to them. The issue has not been resolved. I will probably close the account.


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This company is a scam, calling me asking me for my bank account information to deduct money from my account - they offer programs BUT never are allowed to send anything in writing to confirm. They do nothing to help the consumer. My experience was horrible. They are a low life company, stay away at all costs.


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I wish I could give this company zero stars. Their system deducted two payments from my checking account, at the same time, and they refuse to reverse one of the payments. The customer service supervisor told me that they can't do anything and sometimes their computer system incorrectly reads payments. The company is a total scam.


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Rip off, never getting this card again, company doesn’t follow through on their offers to customers and only allows you to make 3 payments in a month to your card and that's **. Horrible experiences all the way around and c/s and management! They overcharge and are considered a bully in the credit industry especially for those of you trying to repair or rebuild your credit. They don't care about their users.


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Credit One charges $8.25 every month EVEN IF you cancel your credit card BEFORE your one-year anniversary. As long as you have a balance on your account, they charge their customers a monthly fee. This fee applies EVEN IF you DO NOT receive paper billing statements and EVEN IF all your payments are electronic. The $8.25 monthly fee in ADDITION to monthly APR charges. This company should be avoided by ALL potential customers. They are very dishonest.


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The absolute worst credit card company I've ever dealt with. They will set you up so you can't pay them before you get paid. They won't change the payment date. They charge you 9 dollars to make a payment. You can't get out from under it because after they close the card you get a charge for 9 dollars... Reopens the card, then they charge one hundred fifty a year so you are just handing over your money and not really getting any credit. They are horrible and predatory...good luck. I'm not paying mine off ever because I already did. This company needs to be banned from doing business in the U.S.


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I haven’t had the card for twenty four hours yet. They somehow blocked my card from transactions. Each time I went to use card it was declined. Never been so embarrassed in my life. I called and the customer service person told me to wait twenty minutes and it would be fixed. I tried in thirty minutes - it wasn’t fixed. Called back and kept getting a recording they were closed. Yet, they're supposed to be open twenty four hours. Praying I can cancel this card and it doesn’t mess up my credit.


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Everyone has pretty much covered my list of complaints! Just a horrible credit card company all the way around, period! They are the ones who messed up my auto pay. They are the ones who tacked on fees for their screw up. They won't even acknowledge my email sent to them trying to fix their mess. They are not responsive.


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I've paid my bill twice with my bank card, now they're saying I have to use another account. This has been nothing but a headache. Trying to get a hold of the Better Business Bureau ASAP. They want you to have bad credit it seems.


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While traveling we had to keep calling the Credit One customer service, they would lock our card after each transaction. We told them we were traveling and they said they put it in the system yet after each use we had to call to unlock the card! When we get back home we are canceling all our cards with them. Not cool when you need to check into your hotel at midnight and can’t because your card is locked.


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Predatory and unscrupulous lending institution tries to charge $104 in fees and interest on a $300 credit card limit in 30 days. I immediately cut the card and returned it, and when I called them, a woman said if I didn't pay it, they would report me to the three major credit reporting bureaus. I reported them to the three major credit reporting bureaus. They sent me a notice that "It is not too late to protect your credit rating!" This bank preys on customers who can be bullied and threatened into paying exorbitant and excessive fees. Credit One needs to be exposed.


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If you want to feel for paying 39 dollar membership fee don't get this creditor. If you want to be embarrassed spend hours on the phone speaking with customer service for every single transaction then do PLEASE APPLY FOR CREDIT ONE. EVERY TIME I MAKE A TRANSACTION I CAN'T BUY WHAT I NEED. Credit One states that the store in which I'm using my card is high-risk retailer at stores and restaurants like Taco Bell Walmart adds discount after spending an hour taking my time to find bargains and more discount to me meet my budget. Card declined sweating chest racing embarrassed about it. ** Josh account supervisor still can't help me. I requested new card perhaps and I have to pay 25 dollar fee. Crazy. Never will I.


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This credit card company has been the absolute worst experience for online payment processes. They continually request that I verify small deposits/withdrawals to & from my connected bank account. These can take weeks to happen and online payment access is not allowed until this is done. So, deadlines can come and go unless you make mail payments instead (very inconvenient)!


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On 10-12- on hold for almost half an hour waiting to speak to someone about interest calculations. The first customer service person had no idea about how to calculate interest or able to answer any intelligent questions. I don't see any need to elaborate any further- they have the worst customer service of any credit card company I have dealt with before regarding long holds.


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Genuinely disgusted with this company. I was mailed a new card back in July... Never received it. I noticed purchases had been made to the card via the app. Immediately called and reported the card lost/stolen. I was told all would be handled. NOT ONLY did they report the account with fraudulent activity to the credit bureaus which caused my credit score that I have worked my butt off for to go down 112 points overnight, but they then send me a letter informing me that I was responsible for the charges based on the card supposedly being sent to my address and activated from my phone number. I immediately pulled my phone records and have proof which has been faxed to them TWICE now proving that I did not call and activate the card. 


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I sent a check to them by mistake. My check was address to Salem Bible Church, not Credit One. No date on check, no signature also. The Bank submit the check and it clear my bank. I call Credit One and ask how did they do that. I also paid the monthly premium. I call my bank and ask how did this check #** clear and it was not address to Credit One Bank. Receive a letter a couple days later from Credit One Bank saying because of that check, my account was close and sold to someone else to collect the balance that was due AND would be sent to credit bureau as a charge off.


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As like most people I got this card to better my credit. It has done the exact opposite. You start off already owing them $95 for an annual fee. That there should be a statement. I had a $300 credit line to start off with. I then lost my job and feel behind on a few payments. I now owe $916.05!!! I've called and tried to work something out so I can avoid these late fees but they want $300 every month and I can't afford that. You're better off getting a secured credit card and using that responsibly. This company needs legal action taken against them.


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I paid my Credit One bill on time every month using their online payment system. One time, the payment was apparently rejected because the bank information was incorrect (it was the same banking info I had used for EVERY payment). They abruptly closed my account preventing any further online access. I had no knowledge of this until I got a letter in the regular mail. I called them and they told me that the banking info was incorrect. I gave them the banking information over the phone (the same info that should have been in their system) and paid my monthly payment. THEY NEVER REINSTATED THE ACCOUNT and on top of that DINGED MY CREDIT FOR A LATE PAYMENT! I am now trying to sort this out and have paid my account in full and closed the account. CREDIT ONE BANK are a terrible company. Do not do business with them.


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My husband started out with Credit One to up his Credit Score. I (his wife) pay the bills. I have had nothing but problems with this company and all I do is pay the bill. For 5 years been with this stupid company. Finally thought it was straightened out for me to pay, my husband had them send me a card and I still can’t pay without being bumped out of website. I have no problems with our other credit card companies. This company is the worst credit card I have ever experienced! I cannot believe after reading all of these complaints that they are still in business! What a Scam!!!


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This has been the absolute worst experience. Each month they strategically changes things/policies causing it increasingly difficult to make payments. They won't allow you to set up automatic payments, nor will they allow you to call to make a payment. They charge ridiculous fees, and try to make new obstacles for you to face when trying to pay your monthly bills (I'm assuming they do this in hopes you'll miss the payment, therefore having to pay them more money). I honestly can go on, but the whole point is just do not even consider. These people will hurt you more than help you. I never write a review or make a complaint, but I did this solely to help someone, or anyone else keep from making a regrettable mistake. Credit is very Important here in the U.S, these people will for sure find a way to mess it up for you, unless you just have endless funds to pay ridiculous amounts. Just be warned.


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I have had my Credit One Bank Visa for just over a year. I also had a card with them back in 2010 to help establish credit. This card is targeted at those with poor/rebuilding credit, not at those who are totally new to credit. That being said, this card arrives to you already owing them $75 for the first annual fee. After one year, you are charged a hefty monthly fee of $8.25, labeled as the “annual fee.” The interest rate is high, but not as bad as First Premier Bank. Payments take 5 business days become available, and even paying the express payment fee of $9.95 will only allow $100 to be available the following day and the rest in 5 days. 


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I wanted to build up my credit so I got a Credit One card. The first couple of years were just fine. No problems paying online, didn't do express pay as I never needed to use the card asap with a low balance. Things were wonderful. I have trouble remembering what is due when so the email reminders were important to me. They were sent and received like clockwork. Then I got a call from them and was told I had missed a couple of payments. I was shocked as I had never missed a payment. I thought that maybe my Gmail started putting the messages into spam folder for some reason but when I did a search for the emails I found nothing. I found the last reminder I got but then nothing. Looked at the spam folder itself in case it was automatically deleted at some point, but there was still emails in there from before I got the last one from Credit One.


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I had this card made payments at one time. I had just made a payment in the amount of 400. Then I notice I had a balance of 6.46 I set up a payment. I realized I didn't have money in my bank account to cover the charge so I went to cancel the payment. With this company you can't cancel payments. So I guess the payment got returned the company closed my account of 6.46 then said I had an outstanding balance. This is crazy. I called the company. They stated that the account was closed and could not be reopened. Over 6.46.


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I am a victim of credit card fraud with Credit One. I will be closing this account with them as they do not take theft seriously. I think they give your personal information to people in the USA. They are sending me a new card for the third time in one month. It is disgusting how they get away with this fraud. STAY AWAY FROM CREDIT ONE CREDIT CARD. They have caused me nothing but trouble!! I will be reporting them to the FTC and the FBI.


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I never get a credit card with an annual fee, but it wasn’t obvious. Blurred in the fine print; $95 Annual Fee <— Ripoff; Upon approval acceptance you're automatically in debt $95. Payments: delayed 4 to 5 days; you can expedite for $10 or $15 dollars. Another Scam: <— Ripoff. Here’s where they shine: Based in Las Vegas, NV but their customer service is based in the Philippines. You using voice over IP: Can a company be any more cheaper. Predatory institution. Poor business ethics by outsourcing to a 3rd world country, not keeping business values at home. US labor laws cannot be enforced. Slave labor, no oversight. Customer Service, is a joke, they read from scripts, repeat your questions to you, and provide a moronic answer. You get preapproved in a snap because you begin by owing them $95.


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I have had two credit cards from Credit One Bank for 3 years now. Yes, I am using it to rebuild my credit, and it's working. I have never had a problem, to date, with any of my cards. I always use the website to make my payments, or I use the App on my phone. I am sorry so many people are having trouble with this company, but like I said before; I have never had an issue. I knew what I was getting into, and I don't like some of their features on the card, but knock on wood, it has been a good experience thus far.


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I wanted to rebuild my credit so I applied for this card and got it. My limit was $400, which I felt was perfect to start out with. I ended up charging $150 and then get hit with a $75.00 fee. Ok, my balance is still under my limit so no problem. Then out of nowhere they hit me with finance charges which somehow pushes me over my credit limit. THEN they hit me with over the limit fees. To make a long story short, they put my account in collections AND took me to court over $750. AWFUL! STAY AWAY!!


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This card is predatory! I realized what I was getting into but I did it anyway as a means of raising my credit score. It did do that. But, the fees, I'm not referring to late payment fees, but fees that come with the card like annual fee, monthly annual are then charged interest. Horrible customer service, they charge to for normal turn around payment processing times. I have a card with Capital One, I make a payment, it clears the next day. I make a payment with this card it takes about 5 days to clear. They don't report consistently to all of the bureaus. One of my reports has a balance that's over two months old. They are outdated and don't use technology to make them current. Truly unhappy customer - IF YOU’RE CONSIDERING THIS BANK/COMPANY RUNNNN! AS FAST AS YOU CAN!


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I am honestly so regretful for having to use Credit One Bank. This is one of the most dishonest people on earth. They recently closed my friend's account just because 2 small payments didn't come through. After a year or more of owning the card, this has never happened before. The money in the card keeps disappearing. I am very upset and disappointed with the handling of this card on the issuer's side. God is looking!!!


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My Credit One card has had fraud committed on it three times! Then they allowed someone to call in and they authorized them to make an express payment on the card with the debit card I have tied to the account so they could commit fraud on it again!! Then they transferred old balance to new card (for the 3rd time) and my card that has an 800 limit on it and a 201 balance when they made the transfer, now has a balance of almost 3,000!!! They have been making me pay huge payments on this card, which I can't miss due to I'm in the middle of getting a mortgage. Now I received a call from the mortgage company saying they can't do the mortgage because Credit One reported that I owe 3,000 on an 800 credit limit card which dropped my credit score 51 points!!! 


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We have had nothing but problems with the card, paying on the card, and them adding unauthorized charges. Calling in is a nightmare, expect to get hung up on numerous times. Authorized users are a joke because they will not even take payments from authorized users. This card has caused our credit to be worse than anything. DO NOT USE THIS COMPANY!!!


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From the beginning they were nothing but a headache. They would constantly send me confirmations of my payment being received and then would not take the money out of my account for a week. Weekly payments were made to pay off my balance but they closed my account because two payments were unable to go through because by the time they took the money out of my account my other bills would hit my account. These were not my monthly payments as they were always taken care of and I had 100% payment history on my account. After being told my account would be fine after paying off the overages that happened because of my two missed payments I would have access to my account again and be in good standing. This apparently was a lie and my account had already been closed.


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I received my card and a week later my bill with a $75 annual fee charged. I called same day to cancel but it was already too late they said. I have to pay to $0.00 in order to close. They sent me advertisements for at least one year and I never saw in any of the fine print and would be a card with an annual charge. They asked me if I still had the advertisement and of course I've said no cuz now it's three weeks later. I always do save my agreement that comes with the card and it did say there was an annual fee. I'm just angry and frustrated that I have to take a loss of $75 in order to close this account.


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Absolutely stay away from Credit One Bank!!! I reported a fraud credit card opened with my information and even sent a theft report but this nasty company with their very rude and disrespectful employees keep going behind my back saying it is valid. No one in this company will do anything about this fraud account. Do not trust Credit One Bank.


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I was sent credit card with line limit. Days later I was sent a letter which says there is 75 dollars yearly fee. I called customer service to cancel the card. I was assured card was cancelled, but later received a statement, and later a message that someone broke into my account. There should be a serious police work involved here.


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We have a Visa and a Mastercard with them. In the time that we opened the accounts, our accounts have been hacked about 4 times in a year. They keep canceling the cards and sending us new ones. They tell us that they are transferring the balance from the cancelled card to the new one. I actually paid off the Mastercard in Feb 2018 and almost the paid off the Visa as well. I tried to use the Mastercard in March and it was declined. When you try and call them, you cannot speak to anyone that speaks ENGLISH. They constantly call my phone all day from 8am 'til 9pm at night and on weekends including Sundays. I have blocked all their and numbers and they always find another # to call from. THEY ARE A SCAM.


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This company targets people who need to rebuild their credit. They place online blocks on the account so that you cannot make online payments or see statements. They do not clear the blocks even though they state it will be removed 24-48 hours after your call with them. Furthermore, they will move your payment due date up a day keeping in mind that you are unable to see this because the account is "temporarily blocked". They also do not allow automatic payments thereby collecting as many fees as possible from their customers. 


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We received a credit card with an activate today sticker then a few days later a statement with a 75.00 charge fee to have card, never applied for it and I called them to verify 877-825-3242. They said the credit card was active, told them it is not ours and to delete it. Will have to file a police report.


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I was online checking to see if my payment had post to the account. I was prompted to a site that I asked if I needed a replacement card and there was only a submit button there. I tried to reverse it. Tried to go out of it. There was no way to exit out or anything. I accidentally hit the submit button and it will not reverse. It just kept going. I try to stop and delete it before continue. Next thing I know I have a $25 replacement card. 


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Fraud completed on my account in another state. I reported all transactions. They only submitted 2 of the 1500 balance. Canceled the card and they shipped another. Made me make payments the entire time until I got it resolved. In the meantime I put a password on my account and the next time I called they never asked for it, said that it was placed on the old account that I canceled... why would I call for fraud and put a password on the account I closed? Told me it was my fault I didn't put it on the new one... 4 managers later that was resolved. 4 months later 3 months later issues are still not resolved... I type this email as my account access has been shut down, they want me to fax my ID to regain access and want me to dispute the transactions with the companies they were purchased with. I cannot express the level of stress I am feeling right now.


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Credit One Bank is a SCAM!!! Stay AWAY! Their website is "experiencing problems" constantly, not allowing you to log in, or reset your password. So you are forced to call, they refuse to waive the late fees that you get BECAUSE of the website being down, AND THEN they charge you $9.95 to take your payment over the phone. It's a clever little scam they've got going. Then, you can request to have the late fee and processing fee waived, but it gets better. The only way for that to happen, is to "have a supervisor call you back". That phone call never comes. I refused to hang up this morning, and asked to be connected to a supervisor. 49 minutes later they took me off hold and hung up the phone.


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DO NOT GET THIS CARD! It will be the biggest mistake of your life. I cannot wait to finish paying this card off (less than $100) so I can cut it up and mail it to them with a big **. I got this card with another card (Discover) to start my credit. Credit One will call you about 20+ times a day, even when you have no payment due. This should be illegal. I seriously made a payment and they called me the next week, I said I didn't realize payments were due weekly now. They apologized and hung up. Even now they are calling me, It's 8/27/2018 and my minimum payment of $25 is due 09/11/2018. But yet they are calling me 20 + times a day. 


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I filled out the application for this card, was approved and then got charged for an annual fee, activation fee and processing fee. Cancelled card, 3 months later was called and told I owed annual fee and late charges.


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I started to fill out an application and then set it aside. A couple of days later, I was told that I was approved and that the card would arrive soon. Today I got an email from them claiming someone had changed my contact information and to call a number they listed in the email. I called. It was a fax machine. I called another number through their website and was asked first for the last four digits of my Social Security number and then my mailing address. I declined. I will cancel the card and report any more creepy information.


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This is a terrible card. They charge interest BEFORE your statement is even due. They have an option to check your credit score, but in August 2018, my last update was from March of 2018. The rep said that Experian has failed to give them my updated score and that I should contact them directly. I would close this card, but I don't want to ruin my credit history. I asked if the card was inactive for a long period of time, will they close my account, they said no, as long as there is no outstanding balance for over 90 days, the account will remain open. I WILL NEVER USE THIS CARD AGAIN.


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I keep my balance low with Credit One because of this issue. I pay on a weekly basis to keep my balance 0 and not pay interest. Their automated payment system says I have made too many payments in the last 30 days and won't accept a standard payment. However if I want to spend $9.95 they will accept an Express payment. I tried to contact them and was unable to understand them nor were they any assistance with the problem. This company is nothing more than a legalized scam artist. Stay away from this place.


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I've had this credit card for a few years and all of a sudden they started taking large payments out of my account right after I would make my payment. 1st payment made was $100, next day they took out $500 and now they are trying to get two more payments out of my account.


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If you don't get it in writing when you close your account they will scam you out of late fees/annual fees and your credit score will be impacted in the negative. Get everything in writing if you want to close your account. Get the name of the CS person too. Get a paper statement with proof of closure. Check your credit score. Check your credit reports. They will not do as they say.


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For one Credit One Bank has no one that speaks clear English. It's like they are programmed what to say, well my payment was 40.00. They took 140.00 out of my bank account then turned around and closed my account. I was never late on payments but everything was clearly their fault. Somebody legally need to something about this company! I could go on further but never again.


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I had a account with this Companies for several yrs and I paid my bill on time, and they will try to entice you with higher credit limits when your account is almost paid off... Don't take their offers. If you are late on any payment, or get way behind on your bill, they WILL NOT work with you or set up a payment arrangement because they make the most money off of Late Fees and Finance charges. My Consolidation Company tried to set a payment arrangement with them, so my finance charges could be lower but they refuse to accept that. 


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I got behind on my Credit One account by mistake, now they refuse to take any payment less than what they piled up. I called and tried to make partial payments and they refuse to take a partial payment of any kind. I can't change my due date to reflect my social security payment, so they are able to charge me a late fee of $35 each month! Add that to my rapidly increasing 'past dues' and I now owe over $740+ on what was just a 480 account several months ago. I asked them to (1) close the account, (2) stop adding on late fees and let me pay partial payments in order to get caught up, but I got a solid NO to any help. They emailed me saying they had the perfect solution for me to get caught up. 


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I am on a fixed, one time a month budget, payment due on the 9th my check comes in on the 13. I am charged a late fee every month for $37.00. I also PAY a fee for the card $75.00 per year. When I call to close the account after 3 months the representative speaks broken English, I ask for a rep in the USA and I get transferred 5 more times, the lady that answers the call says there is no grace period. This card is a scam.


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I was notified via email by Credit One that they believe charges to my account were fraudulent. Only after allowing 4 out of 5 charges at the same store within minutes go through did it click that something was wrong to them. I immediately called when I received the notification from my office desk (which means I am not at the store). I have been told that it will take up to three months to investigate and in the meantime I must pay for the charges until the investigation is complete. This is BS to make a customer be responsible for charges that they didn't charge. I have NEVER had this happen with any other company before, I will be closing this account ASAP.


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I was unable to get them to understand a payment was missing. Kept telling me about all the charges on account but not the payment. Tried to cancel card, kept transferring me to different people who kept offering me other options. Very frustrating. I also had a very hard time understanding them. Support done out of the country.


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So this company is absolutely the worst company I have ever dealt with. So in June I was going to make my payment but I had noticed that there was some charges that I had not done. So I called them right away and told them that I did not do these charges. They told me that they would deactivate the card and they would issue me a new one as well as the investigation team would work on it to find out what happened. 


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First, I've had issue with Credit One Bank regarding fraudulent charges on the account and their resolution was to reissue the card. They did not check if there were unauthorized charges with me. They credited items they assumed were fraudulent. Their customer service representatives are very inexperienced with answer the customer did not ask questions for. In May 2018, I notified Credit One Bank that I would be out of the country until July 2018 but my payments were scheduled. I am a Fraud Victim so carefully reviewed all my account for irregularities and unauthorized charges. I found my credit cards were replaced and other charges were added to the account. I was told I called June 19, 2018 to report my card had been stolen but I had my card in my possession. 


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I called Credit One Bank to make a payment today and they asked me for my credit card number. I told them I do not have the card in front of me. I asked them if there was another option that they can check my file. So, they said if I don't have my card info they needed my full social security number to look up my file. I refused to give my social over the phone. So they transferred me to some service line and the line was a disconnected number. I ended up ** at the lady on the other of the phone and she went silent... Did anyone have this problem? SMH.


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I sent a complaint online to the Office of the Comptroller of the Currency. The website is www.helpwithmybank.gov. I tried almost 20 times to pay my bill online but I could not, because I could never set up the account. Try to pay by phone and there is a charge of more than 9.00 dollars. This is a fraud, they also charge for late fee that has happened to me because I could not make the payment in term of this way every month. You have to pay an amount to pay by phone. And sending the payment by mail does not guarantee that they say they received it in time.


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I've had this card several years, now starting in May I believe, I receive letter confirming an address change? Well, how could I get this at my "old" correct address if I changed it? Meantime, ooh yes there were charges being made on my account. Took 2 months to straighten this out and prove I am me, finally got access back, log on and make a payment (by the way they charged late fee even though they had me locked out) and the very same week I am again locked out! Called and told them to shut this account down, must mail me statement as I cannot log on online again. Nightmare and these guys are little to no help. Hard to understand, I don't think they see the gravity here either. 


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Every time I submit a pre-qualifying application, I receive an error that the connection to the secured server has been lost and we are unable to continue processing your request. You will need to start over. This cycle continues over and over. Then I got letter in the mail stating possible fraud. WTF!!!! I don't know if I am at risk of someone possibly trying to commit fraud while submitting the application or it's this piss poor of a company website!!!! When I contacted customer service no one could tell me what was the issue even after submitting a ticket and waiting 7 business days to call back. The last rep told me I will only be able to get a credit card if I received a letter with a reference number. I'm upset because I know my credit is well over the min. acceptable credit score and a few colleagues recommended I apply with the company. My experience hasn't been pleasant or successful.


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Why don't I like Credit One? Let me count the ways: 1. As soon as you're a second late for a payment, they start spamming you. I've gotten calls upwards of 10 times a day from different numbers that are all associated with these guys. That's incredibly predatory. They even call on weekends. 2. The APRs and rates are pretty terrible, but I expect that's something you know going into one of these cards.


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Credit One has been a pain in my **. Since day one they shut my account 3 times. All because I didn't have the right bank info. I am unable to talk, so they wanted me to get a POA from bank. And I said my wife can do the talking for me. They said ok and charge me a $19.00 fee. Well they shut me down again saying my bank info incorrect and I've made payments all month. Called them up and said the info was incorrect. I paid them some money and they charge me a fee again. Well they wouldn't let me in my account. They said I needed a bank statement from the bank showing I had a account there. There is really something fishy here. I need help with these crooks.


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So having horrible credit I wanted to try and rebuild my credit so I got this card. You can check your credit in their app but don’t believe them because my real credit score was way lower than what they said it was. Also all the customer service reps are in India or some other country. High interest and fees and I’ve notice balance discrepancies of the tune of about 30$. When my card had charges that were fraudulent they not only cancelled my card but my whole account is suspended. I have not had this card long so we will see what’s next.


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Received my card early 2017, made one transaction without issue then everything else after was declined - could not get a answer from the rude customer service reps who rush you off the phone so I gave up and cut up the card. Decided to try again and early July 2018 I requested a new card ($25 fee for that). Once I got my card I used it at a Shell gas station with a successful transaction but now everything is declined. Over the last 4 days I’ve spoken with 16 reps and 5 supervisors who all say they refreshed my card and in 15 min the card will be OK and that the decline was due too “unusual merchants” (Shell gas, Amazon, Target, ShopRite, McDonald’s). To me those are normal. 


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I've had this credit card since 2013 (trying to rebuild my credit after the 2007-2010 recession, I'm in the construction industry... nuf said :)) Sooooo, my lesser gripe is the high interest rate (but, pretty understandable if your credit rating is not so great). Here's the kicker though: that brutal "yearly" charge to have this card. You might be wondering why I put "yearly" in quotations. That's because it's a yearly charge... billed monthly. I've wanted to cancel this card for quite some time, now that my credit score is back to a somewhat normal range. But every time I pay off the balance, they charge $8.25 as soon as my payment posts... soooo, now you've got an open balance again and can't cancel.


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Horrible! I have been trying to rebuild my credit to purchase a home. Credit One Bank was a suggestion from one of the credit sites I frequent. I was approved for a $300 limit back in February and it’s been a nightmare ever since. The problem began in April. My Credit One account was hacked. Someone in Nevada changed the address on my account and then added themselves as an authorized user. Once they received a card, they paid it off using my debit card that was on file and then went to an ATM and stole all the money. I did not catch on to the fraud until I received a letter from Credit One wanting me to confirm an address change.


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I find it strange that when I attempt to make a payment online on my due date the site doesn’t work! There was a time I experienced this, so I called and explained the issue. Well the representative basically repaired my account and I was able to pay online after telling him NO I was not making it through him nor will I be paying a fee to make it through him. 


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I now wish I saw this first. I got a credit report with a delinquent on my account. I pulled up the web account and it did not show any activity. So I called, the woman that I was talking to. I could barely understand her, asked where she is from, and said the Philippines. Now I started to wondering and coming to find out that it is a scam. I have not use the card since October 2017 and paid off the amount I used. The to see a delinquent on my credit report.


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Opened my account and after several attempts to set up online which none were even close to getting online finally after 4 browsers setup was completed on Internet Explorer. Made 3 payments with them on the phone because I couldnt set up online and the last time they told me they were not going to waive the fee cause their website was working and it was me. Well okay but I shouldnt have to download 4 browsers to make a payment. 


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I am so pissed and this is a long story! Going back to October 2017 is when I first became their customer. I was making my payments on time and I only had a limit of $400. In May this year with no prior notice I get a notice from Credit One that my payment was declined due to stop payment. I NEVER STOPPED A PAYMENT AND MY BALANCE WAS ALMOST PAID OFF. When I called their customer service I could hardly understand the person with a really strong Indian accent and after the fifth time I repeated what went on and why I was calling the person unfortunately got cussed out until they put me through to a supervisor! Funny how they understood all the four letter words I was using! 


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There is a yearly fee of $75.00, which they don't show on your electronic statement which is shady. Also, if you have an authorize user to the account, you pay an additional fee of $19.95 every year as well (which is ridiculous). The interest is also very high. If you need to build your credit. I would suggest keep the card for 1 year, charge on it and make EVERY payment on time. Hopefully that will be enough to get you better credit offers and then close the Credit One acct, that's what I did.


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I had no idea that credit card companies only allow someone to make a maximum of four payments in a 30 day period. Well Credit One Bank only allows you to make 4 payments in 30 days and they will not allow you to pay off the balance if you reached this limit. I'm so confused. Why? I don't get it.


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They Charge about $79.00 a yearly fee to begin and then the yearly fee is divided into month amount. THEN THEY JUST CHARGED ME A ONE TIME FEE OF $14.95 for a $250.00 credit line increase... As soon as I build my credit I am dropping them. My Discover credit card charges no yearly fees.


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If I had known this company would be so rude to their customer I would have never applied for a credit card with them. They cancel your password without your permission. Their fees are out of control. I am done with this credit card. This is the worst company to ever get a credit card from. Don't make the mistake and get one whatever you do. They won't let you pay your bill over the phone without a charge. It hard to set up your account online from their website. Just the worst experience I have ever had with a credit card company.


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Started in April 2018. Payment in full occurred on account which hit checking. Called and reported transaction as unauthorised. Verified info. Credit One said they needed to reissue my card. Never received it, but thought it was because of the fraud. Someone changed my address to a Florida address and allowed them to charge card to max. Feel like inside job. Closed accounts, but have to wait for fraud investigation to be done.


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I had a card from Credit One and ran into a ** load of problems. First off, someone made fraud payment and a couple of fraud charges. And this was after I had already closed this account a month prior. Then I was alerted by my credit monitoring company and then they charged my account off even after I paid it off. I filed a small claims lawsuit this afternoon for 5000 dollars, I'll keep you informed on its progress.


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I’ve had this card for 6 months and I’ve always having an issue with making my payments online. I called today because of an email they sent about my account. I was not able to log in the account. I called customer service and was told that my account was suspended because of a returned payment. I asked for the account information they had and it does not match what I know I put it and what has been saved. I was told my account was closed and that it will be reported to the credit agency on the 7th. The only way to possibly get my account reinstated would be to send a letter from the bank of my account information? Like why? They are a scam and full of bull. No one could tell me how long the process would take. I’m contacting a lawyer.


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They offered me a credit card to help improve my credit. I accepted it. I used it for a few charges, paid the whole thing off the end of each month, then closed. Stopped using it months ago. Assuming I didn't have a monthly payment to pay, I logged into my account today to see that I owe them over $100 and even worse my credit score dropping because of nonpayment. It turns out that they charged me some hidden fee I wasn't aware of, then each month the fee accumulated with late penalty charges and interest. So these days, if you don't owe money, you still owe money and get your credit all screwed up??? What a scam! Companies like this are the reason 2008 financial crisis happened, if not regulated better, it will happen again and even much worse!


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I got this card just as an easy way to finance a payment. Everything was fine for the first couple months, until my payment was due last night and I was unable to even access the "make a payment" screen. This morning, I was charged a late fee, which I expected. I was irritated, but figured it wasn't a big deal since I DID wait until the last day to pay the bill. My fault. This morning I went to make another payment, the payment did not process, and would not allow me to try to make that same payment again, so I called the customer service number that they advised me to contact. I wound up speaking with the most rude individual. She yelled at me, demanded I calm down, and spoke to me like a toddler. It was like she was reading off a script and wasn't even listening to the problem I was describing to her. She would not give me her name, but her attitude is the exact reason that I'm cancelling this card the minute I pay it off completely. Not worth it.


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My credit was badly damaged in 2010. I got a credit card from Credit One to slowly rebuild my credit. I finally got my credit up to a decent score and I held on to this card because it hurts your credit score to close an account but Credit One has to go. I am charged $8.25 a month for an annual fee, I pay the card in full each month but they charge interest on the balance daily, I found a charge for $19.00 so I called Credit One to find out what it was they told me it was a membership fee. 


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They'll be happy to give you a card and if you want to survive unscathed do what I did. These guys are experts in the shifty'Mc shafts so do not imagine it or use it as a credit card. Create a new email address specifically for this card. Don't use the card if you don't have the cash on hand, you'll need it to pay it off after a few days, after it registers on the website or the app. Only use it once a month. Only keep the card for 9 months. Read your termination instructions carefully and mail the letter certified. Make sure you indicate that you are terminating "our contract at your request". Do not let them talk you into keeping the card. Lie and tell them your bank gave you a $2000 credit card limit and you don't need two credit cards. Always enter your login and password fresh, no saved data fields. Don't bother calling for anything but a credit increase after 4 months.


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I do find it interesting that the company does not have a technical support team for when issues arise with websites. I would think that if a company has a website, they would have the technical support to work with it. I called, talked with the representative on what was going on, asked to speak with the technical support department as my website had been working 7 days prior. "We do not have a technical support department, we troubleshoot the problem here." Very interesting when a problem arises and they only have 1 department. Don't get as the support is not worth the runaround...


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I have been a Credit One Bank cardholder for 2 years and I have to say that they are the worst. They charge for credit line increases, provide TERRIBLE customer service and offer absolutely NO HELP if you are going to be late on a payment. The customer service reps are rude, difficult to understand and aren't always able to answer your questions. When I asked for the hardship department, they gave me the number for credit counseling services "in my area" because they don't offer hardship help. This is a credit card company that prides itself on helping people rebuild their credit but don't offer help if you hit a bump in the road along the way!!! What a scam!!! Can't wait to pay this card off and be done with them!!!


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I have had this credit card for about 10 years. I pod the card off about 2 years ago and just use it for small things which I can pay off monthly or within 2 months. I attempted to pay my bill online for over two weeks. Their new authentication does not work. It will not allow you to go past the security questions page. I also never received a statement from them, but knew I had used the card and wanted to pay in full. They have been calling my home all weekend from different numbers. I was not home and a friend finally answered the phone. 


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I am trying to report this to Equifax and Transunion. Every month I go online to pay my CC bill and the password says, "problem logging on. Try later." Three months later and the site STILL will not work to renew your password even though it does not tell you it is specifically your pass is the problem. They are deliberately not specific. I know my password. They simply make their website unavailable and then you are forced to pay an additional 9.98 for an express payment when in reality you should be able to just log in and pay. It is simply a money making scam and it is FRAUD. This is why they are not accredited. I will cancel my card ASAP.


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I am a cardholder with Credit One Bank, and will be brief. I have been with Credit One Bank for a couple of years at least. From the very beginning, paying my bill using the automated number was unsuccessful. The line would never pick up, just disconnect. If it actually did answer, disconnected at some point through the prompts. At this point, I installed the app in order to make online payments. This experience was not terrible, however a large amount of the time I was unable to view my statements. If I was able to actually retrieve an agent via telephone after LITERALLY WAITING FOR UP TO TWO HOURS, unfortunately I was unable to understand the agent/dialect issues. Resulting in yet again the inability to make payments. Currently, well LITERALLY for the past two months I have been unable to reach Credit One through all avenues resulting in now "late payments" confirmed with credit checks. 


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I have had this card for 6 months and always pay my balance in full. This month was no different and even expressed paid it so I would have funds available the next day. 3 days last and nothing... So I called and the customer service agent said I closed the account! I did no such thing. After almost an hour on the phone it was remediate and a new card was being sent to me. He concluded my card had been compromised and even my address and phone number had been changed in the account but I would receive a new card in a week. It still hasn’t arrived 2 weeks later and my credit report just alerted me I have a new closed account. I went online to check the account and see what’s going on and no information has been changed and it doesn’t say my account is closed either but it has been transferred and I notice the last 4 digits of the account is different. I have to wait until Monday to speak with someone now. I just want to know what is going on.


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I've made several call over the past month for assistance with making an online payment. They've added a new feature where you can process a payment for $9.95 or use their current method (online or mail). The online access has NOT worked since, it seems, the $9.95 fee became effective. Was told today that Credit One is updating their security and that is why their site was inaccessible. Was then offered to help reset my password. When I asked why, since the site was down, was told that it would be ANOTHER 48 hours before I could use the online option. Never got a response as to how that would work if the site was being upgraded. 


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I will make this as short and sweet as possible as it has been a 2 month nightmare! I've been with Credit One since 2015 and have great standing and zero issues until late March early April. It started with me getting a letter at home from Credit One dated 3/28/18 thanking me for changing my address to something in Florida. I live in SC and haven't moved. This was suspicious so I called them right away on 4/3/18. During that call (I won't even go into how awful the customer service has been and how many hours I've wasted with them since) they eventually updated my address back to my correct address. 


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I've read many of the other reviews of Credit One Bank CC and I'm shocked that there are so many problems! I haven't had any issues with customer services, I've had to call a few times and they handle my questions with courtesy. I do agree that the fees are high! I've gone over my limit a couple of times due to my special needs child needing things insurance doesn't cover, being a single mother you do what you have to do. I've been caught off guard when my available credit says $150, so I get my son his meds, then the fee is deducted and I go over my limit. That happens with all bank cards that are made to help build your credit, they have outrageous fees (I've learned that). I'm sorry so many people have had such awful experiences. My experience with Credit One isn't as bad.


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Worst service I ever got for credit card. I wasted too many time to make payment through internet but could not make it so used phone call but no personnel answer responded. I began to feel so weird so I used the express payment by paying 9.95 dollar charge which I never experienced for any other credit card services but again it did not go through. I tried to pay off but not get successful. I strongly hope this credit company should get someone's control or resist by public record of service.


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I was alerted my credit report was ran through this company which I have no knowledge of who this company is. When you call you're calling India at a call center. You ask for the fraud Dept. And telephone number. They say they can’t give it to me. So I look online and find out that there is indeed a fraud Dept. However, nobody answers. It’s a machine telling you to leave your name and phone number and someone will call you in 2 days. So someone from the fraud Dept calls me from a Las Vegas number. They tell me not to worry about it. After 90 days I receive a letter that I am indeed liable for the charges in the amount of $925. Now I have no idea what to do. This company is absurd. Now I have to Dispute it off my credit. This company is the worse. First of all I would never get this card with an annual fee. Seems like they give anyone a credit card.


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I open this account back on July 30, 2015. I opened this account with a unsecured $300 Limit. I have called the bank several different times. I used this card often and have never been late on my Payments. I have 100% making Payments on time. They have raised my Credit limit several times and charge a $25.00 fee. My credit limit on 5-15-2018 is $800. You cannot make a Purchase with a $300 limit. This is nothing but a medical Card for a person that has Life Term illness. What can you really buy with a $300 limit? Maybe go to Mcdonald's and buy a Big Mac meal and buy coffee and smokes at 7-11. I have tested this card many times. They do Post the Payments Quickly if you use the express Payment service by pay the $9.95 Fee.


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I've had this card for over a year and have not received my statement on numerous occasions causing my payment to be late. I'm NEVER late on anything... Ever! Fees are absurd and not told about either.


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On hold for the longest time. Got some guy who I could barely understand (heavy Indian accent). He then switched me to someone else also with a strong accent. I'm being charged $35 despite the request to cancel the account. I did not feel that I should be charged the annual fee if I'm cancelling. He stated that the account will be cancelled but I still owe the $35 user fee. Could not make him understand that this is totally unfair. Would not recommend dealing with these idiots.


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Horrible customer service by people you can barely understand. They try and fabricate things so keep good records. I ordered a credit card with Credit One. Without making a purchase using their card I paid them 100.00 dollars. They placed it on my statement as a credit line increase. When I reported the card stolen they told me not to worry they would issue a new card. I received a statement with new card number and balance of 600.00 being owed. This is before I received the new card for activation. The old card only had a charge for the unidentified purchased amount of 132.16. 


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I have been with Credit One for over 6 months now and have made every payment on time and managed to pay a zero balance every month. On the 5th payment I was told by the rep that I would automatically receive a Credit Line Increase (CLI) once the balance was paid to 0. I made the payment and a few days later nothing had happened. I called customer service and was advised that a CLI was on its way and to check my account within the next 72 hours. 


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This company makes it nearly impossible to close an account, and I'm guessing it's intentional. I realized that I was only paying a monthly annual fee (weird, right?) and associated fees and interest, as I almost never used the card, so I called to cancel the account. It took me two phone calls, five or six transfers, at least 45 minutes, and a great deal of frustration to get that done today. The representatives were difficult to understand, and tried to toss in sneaky little fees while rushing through reading their scripted dialogue. Prior to one transfer, I asked if they were trying to discourage me from closing my account. The agent assured me that, no, they were not, but then she transferred me to another rude, dismissive, and barely helpful representative who claimed his name was Jordan. I will never do any sort of business with Credit One Bank again.


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I had had this credit card for only several months and at first was surprised because my initial line of credit was only after one on time payment. I was notified of the $19.00 charge but my credit limit was raised by $200.00. I have always paid my balance in full and never had a issue until recently I called customer service because I had not noticed my monthly payment being recognized and my balance as of being paid. I contacted customer service and asked if they would verify if their records showed that I indeed had made a payment. The customer service agent said that they saw no record of a recent payment being made. I proceeded to make a payment by phone as I always have and as soon as the payment had been made, the customer service agent had then informed me that there was a payment that had been made two days earlier!!!


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For an American based company you would hope that they would hire people who speak the language fairly well, not here, and not the first time I have had to deal with them. The worst thing is being told that there is a $25 fee to replace my card. Then they lock me out online. Then you try to make a payment on the phone and there is a fee of 9.75 which she 'waveld', had to ask what 'waveld' meant, figured out she meant waived. Also as a means to verify myself she wanted me to verify a charge from 6 years ago, who remembers a charge form SIX years ago? Asked my SSN and the last 4 digits of my SSN 3 different times. I almost asked for a supervisor. A simple 2 minute call turned into 18 minutes.


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I was notified by Credit One that my card was being used in Florida for a several purchases. I advised Credit One that this was impossible since I was in PA. Everything seemed to be resolved until I received a letter from Credit One stating the check I used to make a payment to my account was returned from my bank. The only problem was I did not have a balance on my card. Someone made several large payments to my account and then took an advance for this amount plus my available credit limit. This card was never activated. I am still waiting for resolution from Credit One. It has been 2 weeks. The best part of the story is I was billed for a new card and as other people have stated I was required to make a minimum payment.


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This is by far the worst credit card I have ever had. I fully paid off my account with this company. The next day I see a charge for 218$ from a jewelry store in France. I live in California. I have never been to France and never purchase anything from anyone there online. I immediately call Credit One and am told they have to investigate this issue and they will refund me back in 30 to 90 days. They then tell me that I have to "just pay the min. 25$ every month" so my card does not receive a late fee. Keep in mind this is the 218$ STOLEN from my credit card that I must pay off!!! I am then really pissed off and asked the Indian lady to repeat what she just said. 


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Don’t get a credit card from this company. They screw you with fees' interest rate. Poor customer service call you if you're one day late. Charge you 9.95 to make a payment. It's the worst company I have seen for a credit card. Do yourself a favor if your rebuilding or starting your credit don’t use Credit One.


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Good to know that I'm not the only one having problems with this company. I am experiencing the same things as others. I have had a Credit One card for a number of years and never had any problems until the last 6 mo. It started when every time I went online to pay my bill, my password wouldn't work so I would have to reset it all the time. I had a hard time getting access to my acct. all the time. It happened again last night. I finally got a hold of someone, that I couldn't understand, and he couldn't explain why this was happening but was probably "for security reasons" which was pretty funny since one of my cards had just been fraudulently charged $800. 


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Just recently received this card. After going through the 2 step process then having to go through yet another verification process the following month (which I understand they have had several cardholders being hacked so the added security is ok) I tried to schedule a payment. My due date is later than the date I wanted to make my payment, yet the website doesn't allow you to schedule an earlier date. Trying to get through to a customer service person was a landmine but I finally got through only to be told the date couldn't be changed. I had to mail the payment. Never experienced this with a card company. They want you to pay late... Will be closing this account asap.


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I tried to log onto my accountant just to find they would not send a code to my email address. I called and the customer service was no help. I am so glad I made my payment early. I was told I was sent an email that stated that I needed to update my account a couple of weeks ago. I looked all through my email but it never was sent or it did not come to me. Are they trying to charge people extra for a payment over the phone, or tell you your payment is late if you send it in the mail? Something is up and it should be looked into. Imagine a customer service rep that cannot help you get back into your account over the phone. I figure he/she could have given me a code over the phone, or unblocked my account.


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My credit card was hacked online, changed my phone, email and address. When I noticed 5 days after they changed all my information, the hackers already maxed out my card that I just almost had paid off. They were able to get a card overnighted to Florida, I live in Michigan. When I asked about a card I was told 7 to 10 days. How can hackers get overnighted and I can't. Now I cannot even get the charges taken care of. Been 30 days and told it will take up to 90. In the meantime my credit is taking a hit, my bill is higher and I have no emergency back up card. This is not a good company and I regret getting a card from Credit One Bank. Almost like an inside job that this is happening to so many of us and all going to Florida.


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My credit bureau alerted me that a new account opened in my name. It was a Credit One card. Since I never opened this account I called the company and was told that they could not remove it from my credit report. The representative told me that he had my date of birth which is why they reported it. I immediately started a dispute with my credit bureau and reported Credit One to the Better Business Bureau.


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I have tried to go online to make a payment and I cannot get through. I have had the same username and password for some time and never had a problem. I'm so disgusted because now I have to send my payment and it will be late and I'll be charged a late fee. I have had payment reminders in my e-mail, but when I click it on, I get a McAfee warning. I don't know what to do!!! I tried calling Credit One, but all I get is music.


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Went online to make (FIRST). Filled out all the information to make online account to pay bill (perhaps including social security number)... they couldn't go any further after suddenly realizing I didn't have the account number because I had never received (or opened) the actual credit card. Searched through the mail and found 'new' card. Went back to computer to furnish this LAST piece of information to login in to pay or set up payment online for this account. Before I could get back to the computer/website to enter account number... the Credit One Bank site (for payments) appears to have been REMOVED or TAKEN DOWN. 


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I recently activated a card through the toll free number they provided. Shortly after, my card was compromised and someone purchased over $800 at Target in Florida (I live in TX). When I called to report this fraudulent charge, I was told that I needed to verify my password. I never created a password. I activated it on the phone and it never asked for a password. When I said I didn't create a password, she asked me to verify my mother's maiden name which I did. She told me it was incorrect. I asked her how it was incorrect when that was my mother's maiden name.


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Do not get this card if you can avoid it. I am trying to rebuild my credit so I moved forward with these clowns. They are IMPOSSIBLE to either get on the phone or understand if you are are "lucky" enough to get someone on the phone. You cannot make a payment over the phone. They insist that you do everything through their website - which is not user friendly at all. Also they readily charge late payments for making payments online and not choosing their speed payment service which charges an outrageous amount of money, something like $12. Also, their website is always down. I was just trying to log on today to make a payment and check my balance, but couldn't do it because it is down again. And calling is not an option. These people are a joke and money scammers. Do not open an account with them. You will be very sorry!


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I just called Credit One Bank to explain that my credit card is lost. The extremely rude customer service rep informed me that it will cost me $25.00 to replace the card and an additional $19.00 if I need it expressed. This is after I already pay $99.00 yearly fee and has never been late with my monthly payment. That's it guys... I will not entitle myself to this financial abuse one day longer. For those who are considering this company be very careful of the fine prints. You will be taken advantage of before you know it. I now know there are other alternatives to rebuilding your credit. Try Discover card or Capital One. They consider low credit scores and allow you to rebuild without robbing you.


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Customer service was rude and did not listen. A card was supposedly issued in February 2017 which I never received. Credit One made no contact with me until April 13. 2018. (Big gap) Received first written communication on April 18, 2018 of a past due balance. Customer service reluctantly told me that the charge to account was their annual fee and then a late fee. Customer service admitted the card was never activated and that they assessed the annual fee on an un-activated card. So why has no one from Credit One contacted me in over a year? Both Customer Service and Supervisor kept saying they would send a replacement card and I kept saying I don't want a card. End result is supposed to be card is cancelled and all charges are erased...


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I applied like most trying to rebuild my credit. They never could get my payment correct from Savings vs Checking. Closed my account due to fighting with them trying to make a payment every month that they could not comprehend Savings vs checking. I have a savings account and have been unsuccessful of getting them to understand that is the type of account it is. Only one time did I ever finally get through and I had to speak with 3 different people. After that they would call and tell me my account was closed and my payment did not go through and charged me $45 return fees and then a late fee. I even had my bank send them documentation of my account number and all I got from them was it was my fault and I needed to pay on my account. Can't when you don't comprehend the process! 


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Credit One Bank is literally the least ethical business I have ever had the misfortune to cross paths with. They are a predatory company that takes advantage of people who are trying to start their credit files and/or recover from a financial setback. Not only do they charge outrageous fees for EVERYTHING including attempting to pay your bill in a timely fashion, they own their own collection firms and will harass you at all hours of the day and night and the people they employ are barely able to speak English or Spanish. Do yourself a favor and use the fees you will pay this company to go to a reputable company and get a secured credit card.


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I never applied for this card! When I received mail showing I had an open card and there were charges on it already, I called immediately. They would not give me any information whatsoever or transfer me to a fraud department. They said they would take a report for the fraud department and I’d hear back from someone. It’s been two months and I’ve never heard a thing. Be aware of this company being a scam! I never received a card in the mail or a bill yet there are charges on this apparent card. Go figure!


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Credit One intentionally misleads consumers, and when you finally get someone on the phone - they go above and beyond to keep information from you. I'm paying off this card and burning it and telling everyone I know who like me, only signed up to build my credit, that this company is only out to take advantage of those in most need. HORRIBLE - anyone who works here should be ASHAMED!!!


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Starting February 2 I got a letter from Credit One saying this large amount of money was paid to my account but didn't go through. So I called them and learned there were a few large amount paid to my card but didn't go through but there were also transactions made to Walmart's in South Carolina and Indiana. I told them I wasn't there and they were not my transactions. They canceled that card and sent me a new one. Then I got a email stating that my information was changed and if I didn't authorize to call them and when I did they said my info was changed to a Miami Florida address. I told them I never lived in Florida so then they put my account on fraud alert. 


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This place is the absolute worst. They call you to tell you that there's been fraudulent activity on your account. Once it has been proven that there's been fraudulent activity on the account they put a fraud on your account. They tell you they're going to send you a card in 7 to 10 days. When you ask them if they could send you a paper to tell yes your account is under fraudulent activity investigation so that you can give that to the proper authorities to give to your banking institution and for your police report they say they can't do it.


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Stay away from this credit card company! High fees, bad customer service and so not worth the money lost! P.S. I think their call center is through India because none of them can clearly speak English. First, the fees are outrageous! I will admit, I had credit issues and was looking for a credit card to jump-start rebuilding my credit and they offered just that. However, I was overwhelmed with the hidden fees! There is a fee for EVERYTHING associated with this card. Want an increase? Pay $29.95. Want another person to have a card (such as spouse)? Pay $25. Express payment so your payment is applied to your account next business day? Pay $9.95. And the annual fee... when you first get the card, regardless of your credit limit, you are slammed with a $75 fee. 


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Accepting the offer for this credit card was the biggest mistake I made. Since the first day there has been nothing but issues that have not been resolved. After spending one hour on the phone four days before Christmas to be told false truths and promises. The customer service is horrible. The level of understanding is horrible. I have several major credit cards and I have never dealt with this type of service of fees. I was promised on December 21, 2017 @ 9:26am after speaking with agent Eric (employee ID #**) and supervisor Alex that all my concerns and the fee would be waived.


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I don't use my credit one cards often. I received a change address confirmation email from Credit One in December 2017. I called to notify that I didn't change my address. Turns out someone in Miami had received a "replacement card" on one of my accounts and was using it. Credit One was great at first and captured the account, started investigation and reversed the charges. Then it happened again. And Again. And Again. Four replacement cards were sent to this person in Miami (I live in California). 


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I ask credit one for charges made to my credit card when balance was 0 balance and they didn't give me an explanation at all. They said they will overview my account or investigate, but I haven't get any response. I submitted my complaint a month ago, and the charges are still there. What's wrong with them.


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Set up after signing up with the pre-qualified letter. So, setting up payment method with my debit card from other bank and waited for the date, April 4, in order to avoid settling my balance with "express payment" which requires a ridiculous charge. Then, I found I can't go online again for Credit One can't locate my other bank account with my debit card. The lady, repeatedly saying she is "the only one" over the phone, from Customer Service hotline asks me to settle with the "express payment" which costs close to $10. I feel angry about this, coz Credit One should notify me the payment, which works with other credit card company immediately, that this is not working in Credit One. Sounds wired, right? Very suspicious! (I save my time in writing) I regret to get this additional credit card! So, think about it if you have this card.


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Submitted an online payment, got a confirmation, then the website went down, so I called customer service to verify my payment went thru and they told me it didn't because of network issues, and to make my payment 2 hours later. I was fine with that, the very next day I have two payments of 300.00 come out of my account and they said that it will take 7-10 days for a refund and my balance wouldn't be available until 5 business days. Out of money for damn near a week for me to have credit card money avail and also to get my refund back. Customer service is horrible, corporate if there even is one, is disgusting. I wish I had never signed up for this mailing offer. This place is disgusting and are slimy ** out to hurt consumers. They don't help credit and the customer service is trash and they are a bunch of foreign racists.


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I have a credit card with Capital One. Credit One sent me a letter telling me that I was approved on getting a higher limit for my card. Being stupid, I misread the name and thought it was Capital One sending me this letter. I then proceeded to apply for this new card and when I got it, I activated it without thinking. Ten minutes later, I realized that it was Credit One I applied for and that there were hidden annual fees that were hard to spot at first. I was fuming and confused. 


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This is the worst Credit Card Ever. They sent me a card with $300 balance. Took $75.00 in the beginning. I never applied, signed anything saying I wanted this card. This Company is a fraud. Asked me to send them a letter from my bank to get confirmed verification that the account mine. After I paid the $75.00 because I don't want to mess my credit up they temporary suspend my account until they receive the letter from my Personal Bank Account. My banker said they never heard of this Credit Card and be careful because they maybe FRAUD.


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Thieves preying on innocent people. No access to customer service, set off all the red flags. Scam. DO NOT GET THIS CARD. A $75 ANNUAL fee, which is hidden when you apply. Waste of time. Trying to cancel. No customer service. No way to do it online or on the phone. SCAM SCAM SCAM.


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I don't think I have EVER had a good experience with this card. It was my first time on my own and I racked up a lot of credit cards just to pay bills and I was desperate, so, I applied for this card. First encounter with them... I learned that you could change your payment date, so I did. I got a call about a week later saying that my first payment was missed. I apologized and said I'd make it as soon as I can. Realizing that I changed the payment date so I shouldn't have "missed" it, I called back and explained that. I got a very rude rep and he said that the change doesn't take effect til the next billing cycle. Well I had changed my payment date either online or through the automated system (can't remember which) and they said nothing about that.


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The fees are high for this card. I had it for two years, paid the high annual fees, and I think I may have used to card two or three times and paid the balance as soon at it posted to my account due to the non-existent grace period. I always refused the credit limit increases due to the cost (typically $24.99 for a couple hundred extra dollars), however, I do remember once that they automatically increased it without my having to pay for it and they did not charge my account.


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The reason I applied for this CC was because it was one of the only card I qualified for at the time and I needed credit in order to get my score back up. Credit One gave me a credit card but one with a low limit and at a huge cost. I had this CC for almost 2 years and it was a hallelujah day when I finally shredded it. Starting off they charged me an annual $75 fee. After one year the cost to own this card goes up to $99 or $8.25 per month. To get my score up I researched and read that I should not charge more than 30% of my limit. This meant I could not charge more than $180 per month on my Credit One CC. 


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They don't have auto payment and even if you do pay on time, they notify you that it will take up to a week to post the payment unless you pay an extra $9 express payment fee - each time you pay. They charge a monthly fee. They constantly offer you "credit increases" - $75 fee for each $125 "increase". You have to decline these scam offers each time you log into your account.


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I have had this card for eight years, I used it in the beginning, ($1000 credit line), but now I have a much higher credit score (721) and I don't need it. I have paid $8.25 for a $0 balance on this card for 6 years. My credit available on this card is $3275. Each time you raise your credit line, you pay a large fee to do so. I have never in my life added an authorized user to a credit card account. Today, I went in to pay my $8.25 fee and I noticed that there was an authorized user charge for $19.00. I called them immediately and someone had changed my address and ordered a new card to their address. 


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They sent me a card. We don’t have any credit cards but after comparing to another offer from another company I decided to get the card as I have a lot of medical due to leukemia and another mass now. I thought I could use this when needed then pay off. There wasn’t an annual fee anywhere I saw. And the other offer had one. So again I chose this one. I get a statement last week. Not due til April. Today I get a call and when I call back I am over my limit. I was so upset because I knew exactly what I spent. I got customer service and was told my payment was due yesterday and a late fee was applied plus 75$ annual fee. I was horrified. Still am. I argued with the person who was rude and would not listen and will not close the account. I wish I had read all the reviews on this horrible company. It seems a scam. I have no idea how I am going to pay the late and annual fee and get this closed. So so sick and upset.


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Ok, how is it that anyone can steal our cards, make thousands of dollars worth of charges, change the address on the billing statement, but when I call to report it, "Nope... Sorry, have your husband call." So, today, I look again, not only have the fraudulent charges on the first card not been resolved, but the scammers were able to open a NEW card in our name, again, charging all kinds of money on this new card. How is this okay? We don't live in FLA; haven't been to FLA, and these charges are all from FLA. Unreal, they are horrible, but they allow bogus people to use our card, then open a new one when the old one stopped working, ughhh.


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Can someone tell me how I can close the account? I’m calling to customer service but is not helping. They charged me 75$ per year/after they will charge 8$/per month, I don’t need this card. Can someone help me where to call/write? Thank you.


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They would not accept my payments and charged me for late fees. Customer service was very rude and impolite. They were not able to answer my questions over the phone and kept telling me to send a letter instead. My credit has dropped drastically because of them. And have never had issues with payments with my other credit cards.


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Paid off card in full three months ago. Wanted to build up my credit, cut up card and kept account open. I was alerted today via email that I had an outstanding balance and contacted Credit One. They stated that I was charged an $8 service fee (for a 0 balance account) a month followed by a late charge and then interest which added up to $111.61. After I finished laughing, I was told that I could make an express payment for $9!! I feel that I had no choice but to pay it. Probably my fault for thinking it was as easy. I was transferred three times in total for this transaction. I asked them to CLOSE this account and send me confirmation in the mail. DON'T get this card no matter how good it appears to be - you WILL be paying it off until you die and interest charges are ridiculously high.


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This card is horrible. I make payments double the minimum amount every single month, but yet I have no money on my card ever. I have sought legal advice because this card is a rip-off. They charge an annual 8$ fee monthly! I'm pretty sure annual means we should not be charged monthly. I have called numerous times to cancel the card due to not being able to ever get ahead on this card. I was told I was not allowed to cancel my card until the full balance was paid off, and even when I offered to pay the full balance, I was told I could not cancel until after the payment posted, meaning they needed to charge me more money before canceling the card.


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They screwed my credit score and refused to correct it. I had two accounts and they closed one due to inactivity. I begged them to keep the account open. They refused. Later I found out that the account was open and there was a 5 dollar annual fee. This turned into 2 late payments drastically affecting my credit score. Over 5 bucks. I asked them to listen to my calls to customer service when their employee told me the account was closed. I lost the appeal and now I'm screwed. Their customer service are based in India and give zero **...


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I've had this account for 3 yrs never had a problem. What I do is take paper statements. I try to run a credit with them no interest to pay in June. I'll have a 45 dollar fee. As of right now I have a 27 dollar credit so this month I'll pay 19 dollars. So, when the fee posts they can't charge interest. I started with a 500 limit and now I'm up to 1700 limit. Never paying for limits. It worked for me.


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Too many unexpected fees. I just made a payment and no money in my account and they posted my next payment to be made already. No statement either. I am really being ripped off now. I'm worried if I cancel they'll take all my money out of my bank.


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A few months ago I received a card from Credit One Bank. I was so happy they issued me a card. I started using it and making my payments. I made a payment last month for the minim. After I clicked to send I realized I sent a full payment. I call their customer service and try to get all straightened out. What a joke!!! The person has a thick accent and hard to understand. I ask for the return of my money minus the monthly amount I owe. Told I can't have any help with the matter. We go back and forth for 5 minutes. Then I am told if I wait later I can get a check back from Credit One. Then when he sees he can't help I am referred to another man with the same thick accent and we go round and round and then he hangs up on me. So I decide if they take the full payment I won't have any money for 3 weeks until payday. So I try one more time and I got the same treatment. I gave up and had my bank stop their payment.


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I'm a Computer Programmer. "Credit One" deliberately denies specific users access to their website at specific times, and literally LIES stating that they are entering the wrong username or password when they are not. This is apparently done in an attempt to prevent users who have a history of paying their bills early access in an attempt to try to force the users to pay late in hopes that Credit One can garner late fees. DO NOT DO BUSINESS WITH THIS INSTITUTION.


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Well I called Credit One Bank and told them that I didn't open a credit card and wanted removed from my credit report. They didn't believe me and they that it was me. It's about almost 800.00 dollars rang up on the card. I was so pissed off and now I have this on my credit.


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I have never been late on any payments and when I called to get a late fee waived because they sent my payment back that I had paid on time the lady on customer service was rude and I was told I would never have a late waived again and next time "pay on time" when clearly I did! Bad service, people, and too much hassle!


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This is the worst credit card I had in my life to say the least!!! This company charges 35.00 on your account if you're two days late from your due date. On top of that they charge you a fee to even activate the card. The customer service is horrible and no one cares be about how they're treating people. It's a disgrace. I've had this card since Nov 2017 for 300.00. Have made several of payments use the card one time and I still have a balance of 295.00. I hate this company and when I'm done paying this card off I'm done with this company. I would not recommend or advise anyone anyone be to get this card. They're full of crap.


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If you are looking for a credit card company do not use Credit One. I've paid 3 weeks early for years. But, if you are within a week before payment is due; they excessively call you over and over and over though it's still NOT due yet. They call from random local phone numbers and no one speaks English on the other end. Lately, I paid off 2 credit cards with 2 payments, they applied both payments to 1 credit card. Common sense would say, 2 credit cards, 2 in full payments received. It's been a week since their mistake and I called several times to get the payment moved over correctly. They say "it takes awhile, may take 7days or more". They do this on purpose as interest incurs. Do not expect anything good out of this company everything cost, additional cards, additional users to your account, credit line increases are not free. Do not expect an apology for their mistake either.


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On three occasions, I have paid on my credit card account through the bank's website on or before the due date, only to be called a week later and told my payment is late. This makes me believe that the website is faulty. After three times however, I cannot help but think the site is faulty by design to scam users out of late fees. Since the first time it happened, I have saved every confirmation page after my payment, yet the payment never clears my bank account and there seems to be little to no recourse. I am baffled at how any company can get away with this.


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So I had gotten my tax returns and wanted to pay off as many credit cards as possible, because I want to close a couple of them. So I made a second payment to completely pay off my Credit One Bank Visa and now I have to wait to verify my bank information again, it's the silliest thing I have ever heard. I made two back to back payments to Capital One and that card is now paid off, no re-verification needed, but for some reason I have to wait 1-5 days to re-verify with Credit One Bank. Now I have a full payment sitting in limbo and can't cancel the card or pay with debit because the payment shows as pending and I don't want to double pay. I have attached the email received.


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I opened this account because I didn't pay attention enough to the name on the envelope. I thought I was opening a Capital One card. My fault in the reading, but I HIGHLY recommend to NEVER get a credit card through this bank. My limit was not very high to start out with. I can't get a higher credit amount for stupid reason, Like I do not make enough for their standards. My three other credit cards are all well over 1000$ for limits and Always extend my credit if asked. Credit One won't extend my credit limit past 400.


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I have tried to cancel this card for 8 months. I basically used the card once when I first received it--- er that I never used it. Had it just as an extra emergency card. They kept charging me fees- double billing cycles. When I tried to cancel the first time they basically blackmailed me with - "You won't have to pay the high fee if you keep your card." It was so frustrating. Still never used the card. After 7 months they charged me a fee again. I called and after 30 minutes of arguing they finally cancelled my card --- I hope --- I just got off the phone with them!


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I asked for a credit increase. They denied me based on the following information credit amount, and too many current credit inquiries but they tell you that they will look at your paying standing with them. If I would known this I would have not have gotten this card.


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I requested this Credit One credit card on the advice of Credit Karma as it was suggested it would increase my credit score. The initial card fee was $35.00 and then the first billing they charged $70.00 bogus fees and I had not even purchased anything. I called the company and they gave me a very hard time trying to close the account, I had to speak to four different people and I told them I would be placing a formal complaint against them. At this point the account is still not closed. I have also advised Credit Karma they are giving bad advice to consumers.


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I had a Credit One card from July 2017 to January 2018. I never had any problems with payments, etc. Card was always paid on time and payment posted to my account within a day or so. I decided to pay my balance in full last month and close my account. After my payment posted, I received notification that they added a credit to my account. It was half of the annual fee back since I didn't keep my card a full year. I called and they said they will be sending a check to me for my refund. A month later, NOTHING!!! I have called twice. The people speak horrible English. The first person hung up on me, and the second one pretended to check on my check for me and placed me on hold... After being on hold for 20 minutes I hung up. This is the worst company ever. I want my money back but they are thieves.


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I just got the card in the mail on Saturday, Feb 17th. My husband is disabled and I am his unpaid caregiver. I needed to pick up prescriptions and pay medical bills. My credit limit was $300.00. I just called today to find out my due date. They told me it was yesterday (Monday, Feb. 19th), and I am over limit. It seems there was a $75.00 annual fee taken off the top of my available credit. So now I am over limit and late 3 days after I received the card. I got this card to help me out, but now I just have more problems. SMH.


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I will be filing a lawsuit based on their illegal activity of double cycle billing. I opened this account in Dec 2017 basically for my son to have a card if needed when not with me. I paid the Dec, opening account balance prior to the due date in Jan. I paid the Jan balance on Feb 5, prior to the Feb 13 due date yet, they still charged interest for Jan charges. I called today to cancel the card, same issue as everyone else on here with them not wanting to cancel card. Finally the supervisor after arguing with him for 23 minutes said he would close the card. Then I log on to pay the balance off which the due date for is not until March 13 and it tells me that I am not allowed to make a payment at this time as I have made four payments in a 30 day period, which I have not done. 


