Dec 07, 2019
boronbaev
Bad credit card,dont get it
Its not good at all
It will make you credit score down
Bullshit.
I used almost a year,now i want to closed but im sure they will make my score down
Please dont used it,its better try different.
Dec 03, 2019
thosehappydays
I tried the card and they were incapable of depositing 2 small amounts into my checking account. I swear I was talking to a janitor in India or Africa. This went on a few weeks so I canceled. What a joke. I think the scam is to get 10 bucks through online payments, not through a non-fee payment.
Nov 29, 2019
ccalbert1358
PEOPLE?!
CREDIT ONE BANK IS A SPONSOR OF WALLET HUB, NERD WALLET, CREDIT KARMA, EXPERIAN AND MORE!
These companies are exactly like Facebook, who know these companies are crooked, but because they pay them a fee, they will continue to force-feed you these horrible cards.
I'd think better of Wallet Hub, if it stood on morals and refused to solicit these cards.
Nov 25, 2019
britellis24
This card has devastated my credit and I’ve only had it less than a month! I paid the balance totally off before it’s even due and my credit was still knocked down over 35 points! I don’t understand what’s going on but I’m so upset because customer service is completely useless.
Nov 24, 2019
bj19121
$25 replacement card fee is highway robbery. This card is a rip-off. I will never recommend this trash to anybody. I'm reporting this company first thing on Monday . Then they have the nerve to want you to refer people. Why would I refer someone to get ripped off? Makes no sense.
Nov 21, 2019
lilcitybk
I could give them no stars I would. I applied with what I thought to be Capital One. However after being approved I realized it was Credit One. I was shocked to only get a $350 credit line. Because the very same day I got a $3,500 credit line with Capital One. I thought okay honest mistake I'll just hold on to the card, and not use it. Having this extra $350 credit line would
be a nice little cushion to my debt to credit ratio. An entire year passes by with me never ever using this credit card for anything. Out of nowhere Credit Karma advises me that I now have an $8 balance on this credit card. I contact Credit One and they informed me that they charge their annual fee on a monthly basis. They charge you $10 to pay your bill. So basically I would have to be paying them $18 a month for a lousy $350 credit limit for a card that I do not use. I immediately called Credit One bank and canceled the account. I'd rather take a three to ten point hit on my credit score that will repair itself in the next 6 months by itself then to have to pay this Bank $18 a month to have this worthless credit card. Stay far far away from this credit card and this Bank.… show more
Nov 19, 2019
sirousgh
DO NOT APPLY FOR THIS CREDIT CARD- THEY CHARGE $39 MONTHLY ANNUAL FEE - DO NOT APPLY FOR THIS CARD
They sent me a card without I realize it they tried to charge me $39 per month annual fee, I never agreed to. Once I called customer service, they try to give me a higher credit limit but still annual fee which will be almost $500 per year.
Nov 16, 2019
david_michael
I Despise this credit card company. I've been a Credit One card holder for two years. They manipulate the public with their logo that mimics the well respected company "Capital One". Unfortunately they don't come close to their standards. I have 12 credit cards, Amex, Capital, Citi, Discover, ect. All with 4k or more credit lines except for "credit one", it's just $500. After a year, I requested an increase. It was denied. Three month
later, another request and it was granted with an increased to 700. Now this is a credit card company that charges $100 annual fee. It's the only card I have that has an annual fee.
After a year and a half of never being late and maintaining perfect utilization, I was getting constant mail offers from them for a second card account, not a second card on the same account but a new account with a $1500 credit line. After months of these offers that came weekly, the offer change to "You are such a valued customer" please except this new card buy simply "Excepting". Well instead, I requested a credit line increase instead on the card I have. Why pay two annual fees is what I thought. The request was denied! I called them to better understand why if I was approved for a second account of $1500, then why wouldn't qualify for a line increase. They explained the offer was a preapprove which meant there was no guarantee that I would be approved. I argue that that's not what the offer was indicating to me.. seems like dishonest marketing then. The representative then indicated that if I didn't qualify for a line increase that I would not qualify for the second account. This is their right and their process, okay.
After getting off the phone, being a bit offended because I have good credit and not a single blemish on my credit report yet they act as though I'm high risk, I decided to except their credit card offer. "Congratulations on your new account with $1500 credit line". APPROVED!! What!?
Basically, they are just compounding fees with two accounts. They are not reputable. The "valued customer" slogan is just words and carries no weight with them. My experience is Amex, Discover, Capital One and Chase are amazing cards and customer services is impeccable! Try to get with them and if you don't qualify, I think Capital One has a secured card program for beginning credit.
Credit One is no good in my opinion and I'm only listing this one thing but they fall short on some many other issues. I have cancelled my dealings with them.… show more
Nov 16, 2019
juniemoon135
If I could rate it at zero I would. Do not get this card. It does not help your credit. I paid them with a money order (a lot of money) way ahead of my due date and it took them two weeks to post it even though the money order has been cashed. nothing but bs
Oct 28, 2019
amberamburn
I have not so good credit and i applied for this card and they denied me and i have a job my husband has a job and it like u have to have at lest a 607 and i dont that y i need the help so what do i do now????
Oct 16, 2019
tiptonrodney
I had a bunch of charges for a company somewhere in las vegas that was a internet company for something. They made a bunch of charges to my card, when my card was number was stolen. Anyway there fraud protection sucks. After a investigation they told me i was resposible for all charges about 600 dollars worth. They said if i wanted to dispute it again i would have to have a police report and
send a letter to them to reopen the investigation. My bank card and capital one card was also hacked at the same time. I had no problems getting it refunded to capital one and my bank. But this company is holding me responsible. Bullshit they can sure keep charging me fees but cant have my back like capital one did. There fraud department is horrible. If you decide to get thia card DON'T because they will not have your back if something goes wrong. Worst credit card i have ever had.… show more
Oct 09, 2019
javierespana
I have been a cardholder for 3 years already, making my payments on time with a low credit limit. I accidentally missed ONE PAYMENT, and making it two weeks later when I found out I missed it, they reported the late payment to the Bureau and this decreased my score by 13 points. Their penalty is very high. I am paying it off soon or transfer my balance to another card. I believe they are
on the limit of a substandard predatory lender… show more
Sep 27, 2019
rosie.murrillo
I've had this card to help build credit. Although even though I pay off my balance every month and don't use it until statement/billing cycle closes because it takes several days to process a payment, they still manage to charge me $14 on interest fees. How is this ethical?
Sep 25, 2019
jgray766
So far so good. Was approved on 8/29 and received my card on 9/10. Only charged 19 cents for interest first billing cycle. I plan on paying my balance off and resorting to my card with a grace period but I when I just went to make my little payment to bring me below my limit (interest scared me afraid I would go over my limit) and the express payment was easy on the app.
I even got the 9.95 charge waived bc it was my first express pmt. card never declined and everything has been easy. This is an emergency only and rebuilding card. If you go by their rules you will be ok.… show more
Sep 22, 2019
myflhomebiz
I have had this card for a couple of months I finally decided to give it a try because they sent me so many pre-approval letters. They were a little slow at putting the money back on the card. But lately they seem to have put it back faster since i was paying them with bill pay from my bank. The only real complaint I have about them is they will only let you make
4 payments within 30 days on their website. I didn't find that out until I tried to make a payment and the website wouldn't take it and I called them and they explained it to me. I think that's really strange you can't pay as often as you like on their website. They said I could still send it checks or bill pay to pay it down. I started using my banks bill pay and I think I will continue to pay this way since Credit One doesn't have automatic payments and I can set them up to pay each month.… show more
Sep 15, 2019
elbertjohnson62
I have called and called trying to find out where my money is going but i cant get a straight answer my payment is 40 dollars a month i send in 400 dollars my balance was 1930 after my payment its 1753 i have sent 900 dollars total in 2 months and i still owe 1753 something is very wrong with this card pay off system
Aug 22, 2019
julian_b1845
Honestly I think it's a decent card, if you're using it to build credit. 75 annual fee isn't a big deal. Once you've had this card for a year or so, you should have a decent enough score to qualify for much better cards.
Aug 14, 2019
Sothias
So far so good. I give the company credit as it was basically the only unsecured credit card to approve me. I've had the card for a couple months, and my FICO score has already increased. I'm not crazy about their fees, but you have to remember that the company is taking huge risks in accepting people who have horrible history of paying their bills.
Aug 05, 2019
tanesha2545
There was fraud on my account so I called Credit One customer service they said I needed to write out a written dispute of the charges so I asked them if they can mail me an account statement they sent me an invoice and closed my account.
Jul 23, 2019
erroljr1
Shameful about this card. Stay away!! Had a mailed letter come in. Now remind you I don't even need the card. So it says pre-approved so I thought hey I don't need it but let me just see what the pre-application looks like and says because it's normally a soft pull never shows up on your credit. As I do the pre-approved low and behold on my credit it shows that I applied for the
card. Wow!! Now I am panicking because they said it would not do that. So now I call the very next morning so I can cancel anything with this card because of all the bad ratings. I look and then they show I have a credit card approved in 2005 !!! HUH??? I never applied for a credit card in 2005 !! And it was sent out they say!! What?? But never seen it used are the card had been sent some where else?? HUH?? By whom and where?? So I was approved and now they say I am disapproved?? I am so glad I wasn't approved because I was calling so they won't process it. I don't even want this card. Thank God it was disapproved!! Worse experience in my life. What is wrong with this company. So they perceive to tell me to call this number for a card back in 2005 LOL!! What?? Not me. I never had any card let alone applied for one. This company is horrendous. Run and Run fast it sounds like this company if over seas and it's long sharks and scammers. I don't see any good ratings for this card!! Thank God they didn't approve me! I have capital one and another great credit card which never had issues. I never needed this card I just was curious about what they said in the letter. I will never do that again I learned my lesson to never answer a letter in the mail. I will never!! Stay away from this company you been warned!! The reviews are real and atrocious!!… show more
Jul 19, 2019
sadiet94
If your card ever has any fraudulent charges they cant dispute them because they have no fraud team. If you want to just keep the card open and not use it them you will pay an 8 dollar fee every month. I have tried to cancel the card three times only for them to keep it open. The last time I called to cancel they said it was done, a month later someone purchased something
on amazon. I called to dispute the charge and they told me that only way to get my money back is to call amazon. If the card had just been cancelled when I asked 4 months ago I wouldn't be paying 150 dollars for someone else's purchase. I initially stopped using the card because they would randomly put holds on my account for no reason, so I would have to constantly call in to reactivate my card. If you're trying to build your credit stray away from this card, it's nothing but a money hole.… show more
Jul 07, 2019
lmhansen45402
I found this card through a search online, and did the "pre-qualification". According to the website I looked at, recommended scores between 300-670 would be approved. Mine is in the low 500's, and I was declined. Sadly, customer service couldn't answer my question about why. I was told that I would receive a detailed letter explaining why within 30 days, but most likely by the end of the month or 7-10 days.
Jun 18, 2019
bslagos10
Yesterday we tried closing the account and were put on hold on and off for an hour and eventually hung up on. Now tonight I lost my card, hoping it’s just lost and not stolen, and because I’m secondary on my husbands account they won’t put a stop on it or cancel it. I have my own card and it shows on my credit karma under my social, but they won’t help me. Horrible customer
service.… show more
Jun 11, 2019
nicoledomasik
This card is a "stepping stone". I've had it a year. 2 credit limit increases, and my score has went up 100 points. Like any credit card, you need to use it responsibly. Dont go and instantly max it out, pay off the balance, don't bite off more than you can chew. A credit card isnt "free" money. Yes the apr and annual fee is high, but I guess thats the price to pay, for
ruining my credit in my early 20's. I now have a discover it- which is my main card, but I keep my credit one open so I dont take a hit to my credit.… show more
Jun 06, 2019
hilllevina69
Credit One is the worst card I have ever had.. Out of 5 cards they are the only one I have ever had 2 late payments on.. Pay above what is supposed to be payed and still a late payment. They tell me whats due pay above then call because saying late payment then told my billing. Started 2 days later . so i payed apparenty 2 days early even though it sayed a balance
was due.. Worst card save yourself time and money use Any other card oh the first late payment i was 2 hours later than on differnt time zone.. Payed day it was due and still was told it was after hours.. So run dont do it… show more
Jun 01, 2019
spiritman1968
Tjey dont care a out helping people they dont accept payments arrangment and now they are takung a m8nistwt to coury for nearly a 1000.00 and the card balance wasnt but 300.00 dont open account with cond
May 29, 2019
Sandi
If I could give this card zero stars I would. They are a big scam. They changed my initial credit limit before I even used the card, did not post my initial yearly fee payment correctly, tried to bribe me with a half baked credit to my account to keep it open. When I called to demand that they close the account immediately and return my yearly fee they refused to credit my bank account
for the payment I made for the yearly fee the day after it was made instead telling me I had to wait for a paper check. If I do not receive a check for the full amount I paid they will wish they never heard of me. I work for a national law firm and will go after them with the full force of the law if I have to.… show more
May 22, 2019
koshagundy
I have had my cc for a few months now and have not had any problems with this company never had to deal with customer service I always pay more then the Minimum pmty and my credit line was increased from 300 to 450 being in the fair credit range
Jul 18, 2018
kavonw
This company gave me a chance when no one else would. Its a decent company. I held the card for a year, just know that interest is charged the second you use that card. Thats how they make all the money, INSTANT interest
May 09, 2019
cthiering
Complete joke!! I go to cancel the card for my husband and they say that he has to be the one to call. Ok fine. But i go make a payment on the app and it says i have to verify my bank acct to use it ok... i didnt verify and they still took the money!!!!
Apr 28, 2019
bobbyj_35
This is one SHADY company. I have never done business with them and had never even heard of them until they turned up on my credit reports as a charge off/collections account. I immediately disputed the line with all three credit bureaus, but somehow it came back as verified on all three reports. I got their contact information and called them. The person I talked to was not only rude but extremely unprofessional. He used
profanity and called me a liar and a deadbeat. He couldn't tell me anything about my supposed account except that it was sold to a collections agency; however, there are no collections on my credit reports and never have been. This is my only negative tradeline. I tried talking to others, but they weren't much better; they just didn't use profanity. One told me that because they were sick of me calling, they were going to begin reporting me 90+ days late every month, and for two months, they actually did with Experian, which lowered my score. I don't know how I got mixed up with this crooked operation. I really don't believe that there was any kind of fraud or identity theft involved, and if there were anything legitimate about it, there would be an accompanying collection on my credit reports. I have disputed several more times, and every time, it's supposedly verified. The only hope of getting it cleared up is that it will age off in February of 2020. I can't speak to how good Credit One's products are because I've never had any, but going by my experience with them, I'd suggest avoiding them completely. No legitimate company would conduct itself the way Credit One has.… show more
Apr 23, 2019
billiejackson7107
I’m only giving a one star because I have too so I can do the review. But my credit score was well in the range you ask, and I was still denied. Don’t apply for this card because you will only get denied and left with a hard inquiry on your credit report!! Rip off!
Apr 23, 2019
cmunoz562
worst card ever. I called to dispute charges and they closed my account and said I owed balance. I even had to pay balance and when I talked to supervisor they stated they made a mistake and closed the account instead of disputing charges, Customer service is the worst. Shady business.
Apr 16, 2019
michaelc_850
This company sends me junk mail non stop. Then sends me a "decline letter" stating i was declined based on my credit score ...that was 220 points less than Transunion, Experian or Equifax. I had never once applied to their trash low limit high APR cards and never will. I also have no inquiry from them on my credit so it wasn't fraud either. Just a lame company trying to trick people into calling and
filling out a full application.… show more
Apr 12, 2019
raywhitman1
Filed bankruptcy in 2017. This card was closed may 2016. The balance was included in my bankruptcy. 2019 they now report to credit agencies that i was making payments at the end of 2018 and i to 2019 and went delinquent march and sent to collections. None of what they are sending to credit agencies is true. My lawyer has sent all documents to them and they still will not correct the info. Lairs and
thieves is what they are. Will not answer phones and the collection firm will not answer or return ur calls either. All a big scam to ruin ur reputation.… show more
Mar 26, 2019
casadosforlife
This company is a rip off. They charge you even when you freeze the card for lost. When you freeze the card and you have no balance they remove it from your online viewing as well as when you call in to check balance. Then they report you as being past due 19.00 on a balance you didn’t know you had. Do not get this card.
Mar 05, 2019
stephanielockett42
Credit One mobile app is not updating as you update on your side. Customer Service representative gives you misinformation, cannot handle customer as it should be. They will hang up on you or drop the call after they get your payment. I tried to pay by check because they blocked my app and when they received it they will not inform you or email you if how much is your current balance since they blocked
you using mobile app. How will you know your balance? well, CALL the CSR and they tell you different stories. They closed my account without informing me. Heads up, if you don't call and pay they make money from you by adding interest to your current balance and you will not know that they close your account and submit to credit bureau. I will not recommend this CREDIT ONE! If there is 0 start that will be it.… show more
Feb 22, 2019
robj2260
Do NOT get this card. I've got 4 credit cards. I have had this card for only 2 months now and I have had to call customer service 8 times. I got this card to help build my credit and it does the exact opposite. I keep a close eye on my FICO. Sometimes daily. Last month I made my very first payment to credit one bank. 3 weeks in advance. In the 3rd week
I noticed they returned my payment. I called them immediately and they said I gave them the wrong 8nfo. But when I gave it to them again they said " no, that's the 8nfo we have". So just so it wouldnt be late I had to pay them an additional 9 dollars so they could do an i.mediatetransaction. Soooo this month I paid them 2 weeks in advance and even called them a week after it was posted and they said everything's fine, it just takes time for actual payment to go thru. So I check it today and they locked up my account due to wrong bank info and they couldn't withdraw money out of it. THE SAME THING HAPPEND LAST MONTH.. So now there will be a neg mark for late payment on my credit score. Idc how desperate you are for a card. DO NOT get this card. It will bring your credit score down. Not to mention when you call customer service u cant understand a thing they are saying..STAY AWAY.....… show more
Feb 16, 2019
gangstabeatz2018
I Just Got Approved For $500.00 and after reading alot of the reviews, i am Terrified that i will recieving mine in the mail, Even thought i read all the fine print and understand all fees, since i already have 2 secured cards at 1% utilization every month at all cost, i will keep the same approach with this card esecially, since i only need it to help build my credit and help show i
am responsible keeping mutiple accounts, and i will be paying that 9.00 fee for quik posting, since im will only be charging 20 to 25 bucks a month for six months...no more no less...but will pay off once it report at the end of its (Billing cycle) even though they charge interest as soon as the purchase post (i've read) which is why i have no plans for this card but pay them to increase my score thats it thats all. its my First Unsecured Card, None of the other Cards i got would take a unsecured chance on me
so i thank Credit one for the chance to pay them to increase my Credit Score
To Get The Better cards. Im Sure my Discover it will Treat me Good in 8months.My Capital one will be Great also in that time because im sure i will have been upgraded to a Quiksilver. So i suggest Not try and survive of this card just use it for credit building..simple!… read more… show more
Feb 06, 2019
joshuahayes262
I have a $500 limit. On the 24th of last month, I decided to pay my card down and paid $315. On the 28th, I get notified by my bank that I over drafted. Credit One took the $315 on the 24th and then again on the 28th. When I called Credit One, they said they couldn't do anything. I decided to contact my bank for an un authorized withdrawal. 2 days later, my account
is suspended. I called them about it and they said I would need to write to the corporate in Las Vegas. I called Credit One bank and got a different answer. This time they said I need a verification letter from my bank. I finally got it sent and when I called to verify it got there, they said there is no option to do that and it will take 7 to 10 business days. All because THEY took money that THEY weren't authorized to. They get less than zero stars. They owe me stars.… show more