Credit One Credit Cards

To reach Credit One customer service, call (877) 825-3242. Customers can access account information, check their application status, report a card lost or stolen, or connect to a live customer service representative any time – 24 hours a day, 7 days a week.

You can also post questions and comments on Credit One's Facebook and Twitter pages. Or, mail inquiries to Credit One, General Correspondence, P.O. Box 99873, Las Vegas, NV 89193. For quicker processing, include the card number on any written inquiries.

Credit One's website does not have a live customer service chat feature. Nor do they have a customer service email address. But you can access Credit One's Credit Card FAQs page online, along with tools to first check for pre-qualification and then check the status of your Credit One application.

Credit One Customer Service Contact Information:

• General Customer Service (U.S.): (877) 825-3242. Hours: 24/7.
• General Customer Service (Outside the U.S.): (702) 405-2042. Hours: 24/7.
• Application Information: (800) 752-5493. Hours: Monday-Thursday, 5 a.m.-9 p.m.; Saturday-Sunday, 6:30 a.m.-5 p.m.

Note: All hours are in Pacific Time.

WalletHub users give Credit One 3.4 out of 5 stars. Many users praise Credit One for offering credit cards to applicants with bad credit. But there are a number of user complaints, too.

In addition to gripes about the cards' high interest rates and numerous fees, bad interactions with Credit One customer service representatives are commonly reported. Users describe instances of representatives being unable to resolve issues, along with slow response times, language barriers, and rude or unprofessional behavior.

You can check your Credit One application status online, by visiting the application status page on Credit One's website and entering both your last name and Social Security Number. Credit One will then find your credit card application in its records and tell you whether it is approved, denied or still pending. If you have any trouble, you can call Credit One Bank Application Information at (800) 752-5493.

It can take up to 21 days to receive your final Credit One application status: approved or denied. Credit One credit cards are available to people with bad credit, but that doesn't mean everyone gets approved. It all comes down to what Credit One makes of your credit history and income. If they think the risk of you not paying your bill is too high, you won't be approved.

But don't worry if your Credit One application gets rejected. First, you can ask for reconsideration by calling customer service at (888) 729-6274. And if that doesn't work, there are plenty of other options. Your best bet is to apply for a secured card. They tend to have the highest approval odds and the lowest fees. But there are some unsecured credit cards for bad credit, too.

It's also important not to confuse Credit One with Capital One. If you've applied for a Capital One card, you can check your Capital One application status by calling (800) 903-9177 at any time.

The easiest way to pay Credit One credit card bills is either online or via the mobile app. You can also make a Credit One credit card payment by phone at (877) 825-3242, by mail, through Western Union or MoneyGram.

Here's how you can pay your Credit One credit card:

• Online: Simply log in to your Credit One account or your Credit One Bank mobile app and navigate to the payments section. You can make a payment with a debit card, ATM card, or bank account, depending on whether you make a standard payment or an express payment.
  Standard Credit One credit card payments can only be made by bank transfer, and will reflect on your account balance within 7 days. Express Credit One credit card payments cost $9.95 each, and can be made with a debit card, ATM card, or bank account. They are processed faster than normal payments and will reflect on your available credit, at least partially, within a couple of days.
• By phone: It may be possible to make a payment over the phone by calling (877) 825-3242. Enter your Credit One card number when it's requested, and follow the prompts to make a payment. Or, you can speak to a representative to help you through the payment process.
• By mail: You can also send a check or money order, along with the payment coupon attached to your monthly statement, by mail to:
  Credit One Bank
  Payment Services
  P.O. Box 60500
  City of Industry, CA 91716-0500.
• Through Western Union/MoneyGram: If you prefer to send a payment through MoneyGram or Western Union, you will need to provide your 15 or 16-digit Credit One card number, along with a special verification code. For MoneyGram payments, the Credit One “receive code” is 1430. For Western Union payments, the “code city” is CREDITONEBANK and the “code state” is NV. Note that both Western Union and MoneyGram charge fees for sending payments.

To cancel a Credit One card, call customer service 24/7 at (877) 825-3242. When prompted, enter your card number. Once connected to a customer service representative, state that you want to cancel the card and close your account. The representative may counter with a “retention offer,” such as lower fees or interest rates, to keep you as a customer.

Another way to cancel is to mail the request. The address is:

Credit One Bank

General Correspondence

P.O. Box 98873

Las Vegas, NV 89193-8873

Requests by mail will take longer to process. Credit One does not offer an option to cancel online.

What to do after you cancel a Credit One card:

When you cancel your Credit One card, you'll still have to pay at least the minimum amount due on any balance each month until it's paid in full. Your account won't be officially closed until you do. Any future transactions that you try to make after cancelling will be declined, but pending transactions may still process. Also, make sure to cash in any leftover rewards before canceling your Credit One card, as unredeemed rewards will expire once you close the account. You'll need to update the payment method for any recurring bills you were charging to the Credit One card, too.

A primary reason you'd want to cancel a Credit One card is that you simply no longer need it. Credit One cards are designed for people with bad-to-fair credit. They also come with high annual fees. As such, your credit standing may be to the point where you're ready to upgrade to a card with lower fees and more rewards. And because Credit One caters only to a specific group of customers, upgrading to another Credit One card is not really an option.

Keep in mind that when you cancel a Credit One card, your credit score could temporarily take a small hit, depending on the specifics of your credit history.

When you compare Credit One vs. Capital One, you quickly understand just how different they are. Their similar names and logos lead many people to believe that Credit One is the same as Capital One, especially since both are financial companies that issue credit cards to consumers. But that's pretty much where the similarities end.

Capital One is one of the largest and most diversified banks in America. They offer a wide range of financial products other than credit cards, including auto loans, checking accounts and savings accounts. Credit One is a relatively small bank that only issues credit cards and doesn't have deposit accounts.

As credit card issuers, Credit One is the same as Capital One in the sense that it offers cards to people with damaged credit. But Capital One has cards for people of all credit levels, including those you need fair, good or excellent credit to get. Capital One also issues student credit cards and business credit cards, while Credit One does not.

Below, you can find a detailed look at the similarities and differences between these two companies and what they offer to consumers.

Credit One vs. Capital One Compared:

• Branches: Capital One has 755 branches in 8 states (Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas and Virginia, plus Washington, D.C.). You can only do business with Credit One online.

• Types of products offered: Capital One offers a much wider range of products, with credit cards, auto loans, mortgages, checking accounts, savings accounts, and money market accounts. Credit One offers credit cards only.
• Card networks: Capital One has some credit cards on both the Mastercard and Visa networks. Credit One's cards are all on the Visa network.
• Terms and conditions: All of Capital One's credit card terms and conditions can be found online. Credit One only posts “sample” terms, and will give you the actual ones after you're pre approved for a card.
• Minimum score requirement: There are Capital One credit cards for excellent, good, fair/limited or even bad credit. Credit One only makes cards meant for limited/fair or bad credit.
• Credit card for rebuilding credit: The Capital One Platinum Secured card charges no annual fee. It gives you a guaranteed $200 credit line with a $49, $99 or $200 deposit. The Credit One Bank Platinum Visa for Rebuilding Credit gives 1% cash back on select purchases but charges a $39 annual fee.
• Starter credit card: Capital One QuicksilverOne offers 1.5% cash back to the Credit One Platinum Visa's 1%. QuicksilverOne's annual fee is $39 and Credit One Platinum's is $0-$99 depending on your creditworthiness.
• Cash back credit card: Capital One Quicksilver gives 1.5% cash back on all purchases and a $150 bonus when you spend $500 in the first 3 months. That definitely beats Credit One Platinum's 1% on all purchases. And Quicksilver has no annual fee compared to Platinum's $0-$99.
• Travel rewards credit card: Capital One Venture gives a huge bonus of 50,000 miles when you spend $3,000 in the first 3 months. It gives 2 miles per $1 on all purchases and has a $95 annual fee. Credit One Bank has no travel card.
• 0% APR credit card: Capital One Quicksilver offers 0% for 15 months on both purchases and balance transfers (3% transfer fee). None of Credit One's cards have 0% intro APRs.
• Student credit card: Journey Student Rewards from Capital One offers 1% cash back on all purchases and 1.25% if you pay on time. It has no annual fee. Credit One lacks a student card.
• Small business credit card: Capital One Spark Cash for Business gives 2% cash back on all purchases. It also has a $500 bonus when you spend $4,500 in the first 3 months. There's a $95 annual fee which is waived the first year. Credit One has no business credit cards.

Both Capital One and Credit One allow you to prequalify for their credit cards. Pre-approval generates a soft inquiry on your credit report and does not impact your credit score. This also provides you an opportunity to compare offers between the two issuers and determine which is a better fit for you based on your creditworthiness.