The starting credit limit for the Credit One Bank® Platinum X5 card is $400 or more; everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. The higher your credit score and income are, the higher your starting credit limit is likely to be.

If you're not satisfied with your starting limit, you can ask for a credit limit increase by calling customer service at (877) 825-3242. But it's best not to ask more than once a year. Credit One will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Credit One.

Yes, the Credit One Bank® Platinum X5 Visa Signature® does have a late fee of up to up to $39, which applies when cardholders don't make the minimum payment by the due date. The late fee for Credit One Bank® Platinum X5 is $29, and it will increase to up to $39 for subsequent late payments within 6 months. After 6 months of consecutive payments since your last missed due date, the late fee will reset to $29. Thanks to the CARD Act of 2009, the Credit One...

There can be several reasons why you're unable to take out a Credit One Bank® Platinum X5 cash advance, including factors like insufficient credit or ATM issues. It's worth noting that cash advances are typically costly transactions and should only be considered after exploring all other options.

Reasons You Can't Take Out a Credit One Bank® Platinum X5 Cash Advance

• Insufficient Limit: If you're close to or have exceeded your credit limit (or cash advance limit), you won't be able to withdraw...

No, the Credit One Bank® Platinum X5 Card does not offer lounge access. The card can still help you save money on travel, since it offers 1 - 5% cash back on purchases. The foreign transaction fee - $0 - makes this card good for international travel too.

Airport lounge access is a benefit that is typically offered by premium travel cards, like the Citi® / AAdvantage® Executive World Elite Mastercard®. If you want to explore available options, you can check our editors' picks for the best credit cards with lounge access on...

No, you cannot track the delivery of your new Credit One Bank® Platinum X5. According to Credit One's customer service, you will receive an email on the shipment date, which includes an estimated delivery date for your card. However, tracking information is not provided to monitor its transit status.

After approval, it should take no more than 10 business days to receive your card. Expedited shipping is not available for new cards, so this timeframe is the only...

To talk to Credit One Bank® Platinum X5 customer service, call (877) 825-3242 and then press 1 for English and press 7 when prompted again. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Credit One Bank® Platinum X5 Customer Service by Phone

1. Call the Credit One Bank® Platinum X5 customer service department. You can even use the number on the back of your card.
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The Credit One Bank® Platinum X5 Visa Signature® minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.

Key Things to Know About Credit One Bank® Platinum X5 Minimum Payments

• The minimum payment will include any applicable fees, past-due amounts, and interest.
• If your statement balance is low enough, the Credit One Bank® Platinum X5 minimum payment...

No, you cannot use your Credit One Bank® Platinum X5 card instantly after approval. You'll have to receive the card in the mail before you can start making any purchases. After approval, your card should be delivered at the address on file in 7-10 business days.

Unfortunately, there is no way to expedite the card's delivery at the moment. So, everyone who gets approved for a Credit One Bank® Platinum X5 card will have to wait for the standard delivery time before...

Yes, you can use the Credit One Bank® Platinum X5 Visa Signature® anywhere that accepts cards on the Visa network. That means you can use the Credit One Bank® Platinum X5 at 10.7 million merchant locations in the U.S., as well as with millions more merchants across 200+ countries and territories worldwide.

The Credit One Bank® Platinum X5 has a $0 foreign transaction fee, which means you won't incur extra charges for international purchases. The card also comes with an annuals fee of $95 and offers 1 - 5% cash back on...