Does Credit One Platinum Visa have travel insurance?

No, Credit One does not require a travel notification when you’re travelling, unless you travel outside the U.S. So, make sure you contact Credit One before going on a trip abroad so your card does not get suspended due to suspected fraud.

Here’s what you need to know about the Credit One Bank travel notification policy:… read full answer

• To notify Credit One of upcoming travel plans, call Credit One customer service 24/7 at (877) 825-3242, and let the customer service representative know where you’ll be traveling and how long you expect to be away.
• Make sure your contact information on file with Credit One is up to date, should they need to reach you about any account issues.
• If you’re planning on travelling abroad for longer than 21 days, you’ll need to contact Credit One Bank again after the 21 days have passed to let them know. The international customer service number is (702) 405-2042, available 24/7.

A Credit One Bank travel notification protects you against potential hassle. If Credit One detects activity on your account from an unusual location and there’s no travel notification, it may be flagged as an unauthorized transaction. As a result, Credit One will decline the transaction and block any further activity on the account. You will have to contact Credit One and verify that you attempted to make the purchase before they will unlock your card.

The maximum credit line for a Credit One credit card is not publicly disclosed by the issuer. If approved for a Credit One card, applicants can expect a minimum credit line of $300 to $500 initially, depending on the card and their credit standing.

Credit One cards are designed primarily for people with bad credit (score of 639 or less) or no credit. The lower your credit score is, the lower your Credit One account’s maximum spending amount is likely to be. Credit One may periodically review your account for an automatic credit line increase. This usually occurs after you’ve had the card for at least 6 months. Credit One doesn’t release specific criteria for granting automatic increases.… read full answer

It’s important to know that if you’re approved, the amount of your credit line that’s available for spending may be reduced before you even use the card. Credit One charges an annual fee of $0 - $95 for the first year (up to $99 after). If there is an annual fee, it will be automatically applied against your credit line. So, if your initial credit line is $300, you could start out with as little as $205.

If Credit One’s maximum credit lines aren’t enough to meet your needs, focus on rebuilding your credit to the point where you can apply for a card with the potential for a higher credit line and lower fees.

You may get a Credit One credit limit increase automatically, but you can also request a Credit One credit limit increase online or by calling customer service at (877) 825-3242. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Credit One has on file. Credit One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer

How to Get a Credit One Credit Limit Increase Online

1. Log in to your online account.
2. Choose the Credit One card for which you're requesting the increase (if you have more than one card).
3. Click "Settings," and then "Credit Line Increase."
4. Enter your required information and click "Continue".
5. Confirm the information and click "Submit" to complete the request.
6. You should receive a decision in just a few seconds. If you're approved for a Credit One credit limit increase, the new limit will be effective immediately.

Impact of a Credit One Credit Limit Increase on Your Credit Score

When you request or get an automatic Credit One credit limit increase, Credit One will conduct a soft pull of your credit report, which does not affect your credit score.