Minimum Credit Score Needed 
Bad
Credit One Bank® Platinum Visa® for Rebuilding Credit
Editor’s Take
Credit One Bank® Platinum Visa® for Rebuilding Credit Review
The Credit One Bank® Platinum Visa® for Rebuilding Credit is one of the best options for a very particular type of person: someone with bad credit who needs what amounts to an emergency loan. If, for example, you need credit to cover the cost of vehicle repairs or unexpected medical expenses that you can’t afford in cash, then paying up to $75 in first-year fees for a $300 initial credit line might actually be the most attractive offer you’re going to get. The ability to earn cash back rewards sure doesn’t hurt, either.
With that being said, if you don’t absolutely need emergency spending power, you’re better off placing a refundable deposit on a secured credit card. You’ll get the money back when you close your account, assuming you’ve paid your bill in full, and you should be able to find an offer with no annual fee. Plus, secured cards are just as good for credit building as unsecured cards.
John Kiernan, Credit Card Editor
Apr 3, 2019
With that being said, if you don’t absolutely need emergency spending power, you’re better off placing a refundable deposit on a secured credit card. You’ll get the money back when you close your account, assuming you’ve paid your bill in full, and you should be able to find an offer with no annual fee. Plus, secured cards are just as good for credit building as unsecured cards.
- Good way to get an emergency loan with bad credit. Getting an unsecured credit line can be quite expensive when you have bad credit. But that’s less true for the Credit One Visa. There’s no one-time fee for application processing and no monthly fee. And your first-year annual fee will be at most $75 (up to $99 every subsequent year), depending on your creditworthiness. Given that new cardholders begin with a $300 credit line, you’ll essentially be paying as much as $75 for as little as $225 in immediate spending power with the Credit One Bank Card. After all, the first annual fee is assessed when you open your account, thereby reducing the spending power at your disposal.
- Secured credit cards are much cheaper. If you don’t absolutely need an emergency loan or $225 to $300 in spending power isn’t enough for your needs, you’re better off focusing on improving your credit at the lowest possible cost. That means getting a secured card instead of an unsecured offer such as the Credit One Card. Secured credit cards require a refundable security deposit, the amount of which acts as your spending limit. This reduces both your costs and the issuer’s risk. There are a number of secured cards with no annual fee, and opening one will help you improve your credit score to the point where you can qualify for a decent unsecured card.
- The APR varies widely based on creditworthiness. Your rate could be well above 20% with the Credit One Bank Credit Card, especially if you have damaged credit. But if you have damaged credit, you’ll probably be assigned a rate toward the high end of the range. As a result, you should try to pay for your charges as quickly as possible. WalletHub’s credit card payoff calculator will help you make the best plan for your situation.
- Credit-line increases aren’t guaranteed. Credit One Bank says it will consider cardholders for higher credit limits based on their “overall credit performance.” They don’t elaborate about what you need to do or when you can expect a higher limit. Most cards require at least five consecutive months of on-time payments before considering an increase, but you still shouldn’t get your hopes up.
- Rewards aren’t that helpful. The roughly 1% cash back that you will earn on eligible purchases pales in comparison to the rate at which you’ll have to pay interest. And if you really want rewards, you can do better with a secured card.
Apr 3, 2019
Credit One Bank® Platinum Visa® for Rebuilding Credit's Rewards
- Receive 1% cash back rewards on eligible purchases, terms apply
Credit One Bank® Platinum Visa® for Rebuilding Credit's Key APRs & Fees
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ONE-TIME FEES
None
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ANNUAL FEE
$0 - $99
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MONTHLY FEE
None
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REGULAR RATE
20.24% - 26.24% (V)
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GRACE PERIOD
0 or 24 Days (see terms)
Credit One Bank® Platinum Visa® for Rebuilding Credit's Highlights
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Accounts are automatically reviewed for credit line increase opportunities
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Enjoy peace of mind with $0 Fraud Liability
Credit One Bank® Platinum Visa® for Rebuilding Credit's Additional Info
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MAX LATE FEE
$39
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MAX OVERLIMIT FEE
None
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MAX PENALTY APR
None
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FOREIGN TRANSACTION
FEE
3% or $1.00, whichever is greater
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SMART CHIP
Yes, chip-and-signature
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CASH ADVANCE APR
26.24% (V)
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CASH ADVANCE FEE
$5.00/8% or $10.00/3%, whichever is greater (see terms)
at Credit One Bank's secure site
Editor's Pick
Credit One Bank® Platinum Visa® for Rebuilding Credit is an Editor's Pick for:
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If you are interested in the Credit One Bank® Platinum Visa® for Rebuilding Credit, check out the following credit cards as well:
Related Credit Card Categories
Credit One Bank® Platinum Visa® for Rebuilding Credit is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Credit One Bank® Platinum Visa® for Rebuilding Credit to our community.
How can I make a Credit One online payment? Reply 31
GINA MARTE
Dec 10, 2018 · @ginamarte
To make a Credit One online payment you need to sign up for an online account first. This is the page you're looking for: https://www.creditonebank.com/account-setup.
After being logged in, you will need your bank account details to perform the payment.
Take into account that your payment will post in about five business days, so plan accordingly.
3
Upvotes
How can I get Credit One to pre qualify me for one of their cards, without it hurting my score? Reply 4
Jeff Verber
Apr 1, 2018 · @jeff_verber
You can prequalify for a Credit One credit card. This is the default option when you apply. This process will never hurt your score, as they just do a soft inquiry.
With that said, you have to remember: getting pre-approved, or pre-qualified, or pre-anything doesn't mean you're getting that card. They'll still have to pull your entire report, and they might still reject you.
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Upvotes
How do I get a Credit One Bank credit limit increase? Reply 85
Robert W Polk
Aug 19, 2017 · @robert.polk
If you consistently paid your monthly bills, your account is automatically considered for a credit limit increase after a period of time. Still, you can easily request one yourself, by logging into your online account at https://www.creditonebank.com. Bear in mind though that a credit limit increase request will trigger a hard inquiry on your credit report, which will cause a temporary dip in your credit score. You can learn more about requesting a credit limit increase here: http://wallethub.com/edu/how-to-increase-credit-limit/25857/.
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Upvotes
I got approved online. How do I check to see about my card? Reply 1212
WalletHub
Jun 7, 2016 · @WalletHub
Information about your account should have been emailed to you following approval. You can also call Credit One’s customer service department -- 877-825-3242 -- to check the status of your card. Please let us know if you have any trouble.
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Upvotes
Can I transfer balances from other accounts? Reply 86
WalletHub
Jan 8, 2016 · @WalletHub
Unfortunately not. Like nearly all other credit cards for people with bad credit, this card does not accept balance transfers. And even if a given card was to allow such transactions, it would be unlikely to offer either a credit limit high enough or an interest rate low enough to make it worthwhile. With that being said, there are a number of different debt repayment strategies that could help you pay off what you owe without switching plastic: http://wallethub.com/edu/debt-solutions-overview/25540/ & http://wallethub.com/edu/best-way-to-pay-off-debt/24477/ .
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Upvotes
Can you get a cash advance immediately after you receive your card? Reply 118
WalletHub
Jan 8, 2016 · @WalletHub
Yes, but you will first need a PIN. You can obtain that by calling customer service at 877-825-3242 or by clicking on the “Request a PIN (Personal Identification Number)” link on the “Update My Info” page of the Credit One website: https://www.creditonebank.com/home.aspx . Just keep in mind that you will incur a fee of $5 or 8% of the amount you withdraw (whichever is greater), and interest will begin to immediately accrue on your withdrawal at a rate of 18.15% to 25.40%.
11
Upvotes
How can I pay my bill online? Reply 81
WalletHub
Dec 7, 2017 · @WalletHub
To be able to pay your bill online, set up Online Account Access by visiting the following link: https://www.creditonebank.com/account-setup. When done, you will be able to pay your credit card bill online by choosing either Express Payment (funds will be available the next business day for a fee) or Standard Payment (funds will be available in 5 business days).
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Upvotes
I have a bill but no card ever came. What can I do? Reply 76
WalletHub
Jun 8, 2016 · @WalletHub
For starters, carefully review the bill to see if any charges were made and call customer service at 877-825-3242 to report the issue. You should also double-check your account’s contact info, as it’s possible that a fraudster changed the address to reroute your card. Or it was swiped from your mailbox. No matter the cause, you won’t be held responsible for any charges because all credit cards provide $0 liability guarantees for unauthorized transactions. But since this issue could be indicative of a vulnerability that allows more fraud in the future, you would also be wise to sign up for a free credit monitoring service, such as WalletHub’s: https://wallethub.com/free-credit-monitoring/ . You’ll therefore get an alert anytime an important change is made to your credit report.
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Upvotes
I applied for a pre-approved card and have not received it yet. How long does it take? Reply 53
KAREN MOROZ
Aug 18, 2017 · @nycKaren
It’s 7-10 days from when you’re approved. I remember that. Not sure if pre-approval speeds up actual approval though. Ordinarily, that can take another week or two.
5
Upvotes
I paid off my card. Why can't I use it anymore? Reply 57
WalletHub
Sep 30, 2015 · @WalletHub
It may be that Credit One lowered your spending limit. Issuers sometimes do that when customers max out their cards, and they don’t have to tell you. You can read more about that here: http://wallethub.com/edu/maxed-out-credit-card/25877/. Your best bet for now is to call Credit One’s customer service department at 1- 877-825-3242 and see what’s up. Sorry we couldn’t be more help!
5
Upvotes
Credit One Bank® Platinum Visa® for Rebuilding Credit Video Review
Credit One Bank® Platinum Visa® for Rebuilding Credit Reviews
Share your insights and review the Credit One Bank® Platinum Visa® for Rebuilding Credit.
Apr 23, 2019
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!
Comment
Apr 23, 2019
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
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
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
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
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
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
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
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
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
Feb 04, 2019
Credit one does not grow with you like a regular bank. I started with them, 1 of my first cards. Still at 300 credit limit, but I have chase, citi, barclays, pen fed and others with credit limits of 5k to 25k each. They did offer to increase but charge a fee lol bank is a joke. 300 credit line, I spend that on lunches through the week!
Jan 24, 2019
These SOBs won't let me freaking cancel my account! And the last guy I talked to named 'Jordan Smith' who you could tell was right out of India wanted my SSN number. Yeah right. I had cancelled the account, supposedly, several months ago. Now I find out it's now active again and they want to charge me 8.95 per month just to have their stinking card. I hate them!!!
Jan 20, 2019
I really give this company zero stars, unfortunately they don’t allow you too. But this company is a disgrace! They’re horrible crooks. The company literally went into my checking account unauthorized and stole money from me and then denied it and then closed my account to investigate their mistake, which of course lowered my credit score. Not to mention the fees that I got from my bank since they stole money that was for my bills and all they tell me is that it takes 90 days to investigate how they stole my money, thanks for nothing credit one, VERY unsatisfied customer!… show more
Jan 15, 2019
There's two sides to every story. My story with Credit One was a tale of 2 different years.
I am grateful that they gave me an opportunity after I was late on 3 credit card payments that hurt my score about a year prior. Those are my fault. I have learned so much about how a life-changing event can change your credit worthiness forever.
The first year with Credit One bank was great, I was originally approved for $300 and over the first 6 months became $600 (without an increase fee) and I continued life and carried a balance throughout making every payment on time but my utilization floated around 50-60%. As the end of year one approached, about 11 months in they messaged me saying a way up for an increase, if I were to pay a fee of $25. At first I thought hey okay this is great I'd love a higher limit. Now I wish I said no.
As month 12 rolled around, so did all their fees. (Which I knew about so that's on me. But a year goes quick.) In hindsight I suggest hanging on to this at 11 months MAX. Authorized user fee, monthly fee of $8.25 (after first year) plus carrying a balance interest pretty much makes your minimum goes just to those.
Month 13 rolled around and I thought eh I don't need this crap anymore, since I acquired this card I also pulled a Discover IT, Capital One, And Capital One QS cards. So on Dec. 21st I called to PIF and CLOSE the account. After many attempts to wave fees for 3 months and verbally saying I could do that over and over again if I kept the account open. I again and again stated I wanted to PIF and CLOSE this card. After 5 attempts to stop me from closing, they finally agreed, took my $482 instantly and I requested mailed proof. Well here we are 3+ weeks later and another monthly charge has showed up as well as a balance charge of another $2.68 randomly popped up today so I called again, this time not as happy.. I again requested the account closed, they said they would waive the fees and send me a confirmation letter in the mail.
I will keep you all updated as the situation unfolds. I'm hoping I can finally close this and put this behind me. Again I am grateful for them taking me on as they sprung me to bigger and better cards. But this is blood sucker card after year one. BEWARE.… show more
I am grateful that they gave me an opportunity after I was late on 3 credit card payments that hurt my score about a year prior. Those are my fault. I have learned so much about how a life-changing event can change your credit worthiness forever.
The first year with Credit One bank was great, I was originally approved for $300 and over the first 6 months became $600 (without an increase fee) and I continued life and carried a balance throughout making every payment on time but my utilization floated around 50-60%. As the end of year one approached, about 11 months in they messaged me saying a way up for an increase, if I were to pay a fee of $25. At first I thought hey okay this is great I'd love a higher limit. Now I wish I said no.
As month 12 rolled around, so did all their fees. (Which I knew about so that's on me. But a year goes quick.) In hindsight I suggest hanging on to this at 11 months MAX. Authorized user fee, monthly fee of $8.25 (after first year) plus carrying a balance interest pretty much makes your minimum goes just to those.
Month 13 rolled around and I thought eh I don't need this crap anymore, since I acquired this card I also pulled a Discover IT, Capital One, And Capital One QS cards. So on Dec. 21st I called to PIF and CLOSE the account. After many attempts to wave fees for 3 months and verbally saying I could do that over and over again if I kept the account open. I again and again stated I wanted to PIF and CLOSE this card. After 5 attempts to stop me from closing, they finally agreed, took my $482 instantly and I requested mailed proof. Well here we are 3+ weeks later and another monthly charge has showed up as well as a balance charge of another $2.68 randomly popped up today so I called again, this time not as happy.. I again requested the account closed, they said they would waive the fees and send me a confirmation letter in the mail.
I will keep you all updated as the situation unfolds. I'm hoping I can finally close this and put this behind me. Again I am grateful for them taking me on as they sprung me to bigger and better cards. But this is blood sucker card after year one. BEWARE.… show more
Jan 12, 2019
Money can be very... personal. And a I think a lot of the bad reviews reflect very personal situations. There are over 7700 reviews, and the card still has a 3.3 out of 5 rating. People who are unhappy are always the most vocal.
I got this card in Oct, its an emergency/expense card (typically used to pay for hotel security deposits which remove themselves after a week or so). I make sure to use it at least once a month to help rebuild credit. I havent carried a balance yet, and my credit was increased from 300 to 500 yesterday. This card has been a lifesaver for when the company flys me places and I need money that I can later expense.… show more
I got this card in Oct, its an emergency/expense card (typically used to pay for hotel security deposits which remove themselves after a week or so). I make sure to use it at least once a month to help rebuild credit. I havent carried a balance yet, and my credit was increased from 300 to 500 yesterday. This card has been a lifesaver for when the company flys me places and I need money that I can later expense.… show more
Jan 07, 2019
STAY AWAY FORM THIS CREDIT CARD!!
THEY ARE A FRAUDSTER'S FANTASY!!
Contrary to your best intentions, CREDIT ONE WILL DESTROY YOUR CREDIT!!
Without going into my back-story, I filed for Chapter 7 back in 2016 and accepted an offer for this card . I understand, based on my status, that I was going to have to pay higher interest and fees, etc in order to rebuild my credit.
Things were going okay for about a year or so. I made regular, on-time payments to my account and rarely even carried a balance. Then, somewhere around July 2018, somebody hacked into my account and purchased over $1000 from TicketMaster and Nike. My account limit was exceeded and I was left unable to pay for a $30 haircut.
I called to report this and after several weeks(!) I thought the charges were removed from my bill (but I now learn [January 2019] that I was given "temporary credit" while they "investigate" the transactions). Immediately after I was hacked, I signed up for 90 days of fraud protection with Experian and a few months later paid the remainder of my balance and closed my account on October 17, 2018.
Fast forward to January 7, 2019 and I get an email from Credit One stating that I have an unpaid balance for the TickerMaster and Nike!!! Turns out the "Fraud Dept" conclusion was "not in [my] favor."
THIS CREDIT CARD COMPANY IS A SCAM!
I am writing this just as I learned of these developments and I'm gathering information as to how to address this moving forward. But, in the mean time, if hard times are what left you few options other than to resort to these high-interest/high-fee cards in order to try and start over...STAY AWAY FROM CREDIT ONE!!
I am not a financial advisor and I have no alternatives to offer, unfortunately, except STAY AWAY!!… show more
THEY ARE A FRAUDSTER'S FANTASY!!
Contrary to your best intentions, CREDIT ONE WILL DESTROY YOUR CREDIT!!
Without going into my back-story, I filed for Chapter 7 back in 2016 and accepted an offer for this card . I understand, based on my status, that I was going to have to pay higher interest and fees, etc in order to rebuild my credit.
Things were going okay for about a year or so. I made regular, on-time payments to my account and rarely even carried a balance. Then, somewhere around July 2018, somebody hacked into my account and purchased over $1000 from TicketMaster and Nike. My account limit was exceeded and I was left unable to pay for a $30 haircut.
I called to report this and after several weeks(!) I thought the charges were removed from my bill (but I now learn [January 2019] that I was given "temporary credit" while they "investigate" the transactions). Immediately after I was hacked, I signed up for 90 days of fraud protection with Experian and a few months later paid the remainder of my balance and closed my account on October 17, 2018.
Fast forward to January 7, 2019 and I get an email from Credit One stating that I have an unpaid balance for the TickerMaster and Nike!!! Turns out the "Fraud Dept" conclusion was "not in [my] favor."
THIS CREDIT CARD COMPANY IS A SCAM!
I am writing this just as I learned of these developments and I'm gathering information as to how to address this moving forward. But, in the mean time, if hard times are what left you few options other than to resort to these high-interest/high-fee cards in order to try and start over...STAY AWAY FROM CREDIT ONE!!
I am not a financial advisor and I have no alternatives to offer, unfortunately, except STAY AWAY!!… show more
Dec 28, 2018
NEGATIVE 5 Star (system forces you select a star)
I signed up with Credit One in order to rebuild my credit after the death of my spouse. This is absolutely the worst credit card company I've ever dealt with. Each and everyone month I try and make a payment, it fails to recognize log in and or passwords every time. Their website has on going issues and is a nightmare. It forces the customer to call in for assistance, and English is not their first language, UGH!! I ask to speak with a supervisor and he understands my frustration but insists I download their app to make a payment. I say what you're implying is that your website is faulty. He neither agrees or disagrees. Then they offer to increase my line of credit but it will cost me round $20. Seriously, who would agree to that? I've just paid off the balance and cancelled the credit card. I hope this is the end of the nightmare that is Credit One.… show more
I signed up with Credit One in order to rebuild my credit after the death of my spouse. This is absolutely the worst credit card company I've ever dealt with. Each and everyone month I try and make a payment, it fails to recognize log in and or passwords every time. Their website has on going issues and is a nightmare. It forces the customer to call in for assistance, and English is not their first language, UGH!! I ask to speak with a supervisor and he understands my frustration but insists I download their app to make a payment. I say what you're implying is that your website is faulty. He neither agrees or disagrees. Then they offer to increase my line of credit but it will cost me round $20. Seriously, who would agree to that? I've just paid off the balance and cancelled the credit card. I hope this is the end of the nightmare that is Credit One.… show more
Dec 21, 2018
I'm not going to give Credit One a bad review because everyone else did. My truth is my credit was struggling like most of the people on here, but they offered me a $400 credit limit. ONE month later I got an email and they upped my limit to $600. I dont call customer service I pay my bill use my card and keep it moving. Its a good card and it worth it if you work it!!… show more
Dec 07, 2018
I've had this card now for around 10 yrs. I had a credit score in the 500s. I've never had any problems with this card. Started with credit line of $300. If you get an offer for credit increase, they do charge you, but if you call, they will usually cut that charge down to about 50%. Always use the standard payment and never had a problem with the payment processing that day. Of course I usually don't have access to those funds till about 3/4 business days later. My limit with them is now at $2500. They were the only card I could find that would give me any unsecured credit. Haven't closed due to possible ding on my length of credit history.… show more
Dec 06, 2018
I have been a credit one customer for some time now I make my payments on time and if you pay your payment on the due date two days later you will get phone calls and emails because they want to know where their payment is and part of their problem is they are to fucking lazy to look at the payment that is pending!!!!! then it takes them idiots a week to process your payment! I am done with lazy idiot credit banks this means you credit one bank!!! GO CHASE CREDIT cards!!!! thank you Clifton Swicord… show more
Nov 27, 2018
Like most people who read the review but decided to have faith and apply anyway, I applied for an account with a credit one on the 12th of November. I was approved for a credit line of $300. The card arrived in the mail within a week (11|19). I wasn’t too thrilled about activating the card until I had time to check out the terms and conditions due to reading such horrible reviews. After getting around to reading the full disclosure, I personally decided to give them a call in regards to my account. I have not activated the card and nor do I have any intentions on doing so. I called and spoke with a representative, a foreign woman, who spoke fair English (enough to inform me that, in her words, I quote “you need to hurry up and make a payment”! I was also given my due date, minimum payment amount & total annual fees charged upon getting the account) ?? She also confirmed that there is no grace period for the account meaning interest will accrue beginning the posting date of each transaction. What a complete joke❗️I’ll admit my credit is not great (at the time when I applied- Experian:602; Transunion: 626; Equifax:609, mostly due to credit utilization) but before I pay a $75 annual Fee + $19 card holder annual fee = $94 + daily interest, I’d rather put an additional $106-206 with that and get a secured credit card with Discover or Citi Bank and enjoy life with cash back rewards with Discover, a grace period and no annual fee. I have discover $2000 UNSECURED LINE OF CREDIT. USAA $2000 (Full Secured line of credit). Capital One $801 ($401) PARTIALLY UNSECURED LINE OF CREDIT. Merrick Bank $700 UNSECURED LINE OF CREDIT. Avant $300 UNSECURED LINE OF CREDIT. Along with several other UNSECURED cards including retail cards.. thanks but no thank you!. I’m not desperate enough to pay for this. Cancelled❗️… show more
Nov 22, 2018
I've had nothing but good things to say about Credit One Bank. Yes, they have higher fees and interests, but they gave me a chance on their unsecured card and gave me credit of $400. I try to pay off my balance each month, and if I can't, I always pay most of it. I've had no problems and was surprised to get an automatic $200 credit increase after having the card for just 5 months. I like that I can make a quick payment, even though I pay $10....it's worth it to me. This card is great for building your credit score. Mine has gone up and I am very pleased that this card helped me raise that score. Make your payments on time, and you can't go wrong with this score. I've seen so many negative ratings for this card, but if you are really trying to build your credit and have started with a low credit score, this card will help you build your credit rating. And no, I have no affiliation with this company.… show more
Nov 20, 2018
Horrid Horrid Horrid !!!!
Omg run ... far and fast! My husband works out of the country I opened his card for him years ago to keep his credit score up he has made a phone call there several times over the years to let them know that I am authorized to pay and use this card… Today I am inquiring about a payment that I sent in there and be aware I’m not trying to buy anything I’m not trying to pull money I’m trying to give them money and they won’t give me the information about where the payment is that I sent in six days ago... I have been married 25 years to my husband and I have his power of attorney because he works out of the country I have bought a house I have bought a car and I pay all my bills that are in his name with this power of attorney the only 1 company that our power of attorney doesn’t work on this “credit one” we are so done here ! There are nothing more than a Capital One wannabe’s… show more
Omg run ... far and fast! My husband works out of the country I opened his card for him years ago to keep his credit score up he has made a phone call there several times over the years to let them know that I am authorized to pay and use this card… Today I am inquiring about a payment that I sent in there and be aware I’m not trying to buy anything I’m not trying to pull money I’m trying to give them money and they won’t give me the information about where the payment is that I sent in six days ago... I have been married 25 years to my husband and I have his power of attorney because he works out of the country I have bought a house I have bought a car and I pay all my bills that are in his name with this power of attorney the only 1 company that our power of attorney doesn’t work on this “credit one” we are so done here ! There are nothing more than a Capital One wannabe’s… show more
Nov 12, 2018
Get ready for a story because this is going to be a long one. Scroll to the end for the short version.
I’ve had my account with Credit One for a few years and I didn’t have any problems until earlier this year. Earlier this January, my card had a charge I did not make on it for around $400 USD at Lowe’s. I reported it in as normal, closed out the card, and requested a replacement. About a week or two later, my account was credited back the money and everything was fine.
After I received my tax returns at the end of February, I paid off the rest of my balance as I was trying to cut down my debts. In March, I noticed another charge of $400 dollars from Lowe’s again. I reported it in and got another card.
I called several times to check on the progress of the investigation on the charge and they kept insisting that “it can take up to 90 days for the investigation to conclude its findings”. At that point, I was fed up with the company and I requested to close my account. They wouldn't allow me to since I had that fraudulent charge balance on my account and that it was in investigation.
I also argued that I do not want to make these monthly payments on the card when I didn’t even make the charge. For one month, they voided the monthly payment. The following month, I requested that they do it again, since I haven’t used any of their credit cards after I got it replaced the second time in March (heck, I didn’t even activate it once I got it, just in case). I was told that it would be noted in the file that I wouldn’t have to pay. Needless to say, I got hit with a charge for not making a payment, and the minimum payment was increased. This continued with a lot of frustrated calls from me and them forcing me to pay the monthly payments (on a charge I didn’t make) or just have my credit score hit every time.
June eventually came around. I gave them over 90 days since they were taking forever, and I call them. It turns out that they had already finished the investigation but no one contacted me about the findings.
It turns out that I was being held responsible. After complaining to them how stupid it was for someone to pay for something that they aren’t even responsible for, I got around to asking on the details of the investigation. It turns out that someone local used my card number via chip and that is how they declined my claim. Unknowingly to them, that card number did not have a chip on the physical card. So I had to send my old card in to them to prove that I didn’t make the charge. Another 30 days later or so the amount is credited back to my account (FINALLY). I also found out that I could have closed out my account months ago which leads to my next problem.
During this whole time, I had been making minimum payments just to keep them away from my credit score but the late fee remained and monthly account fees were accumulating. The charge was also collecting interest. So when that $400 and some dollars was credited back, I only had around -$77 dollars in my account, meaning I did not get all the money I was paying back into the account which I shouldn’t have been paying in the first place!
I requested for them to undo and investigate the possibility of reimbursing me the interest gained from the fraudulent charge and I would just accept the monthly account fees (even though they didn’t tell me I could just close out the account to put an end to them).
Now, here we are. I haven’t received a call back from them and I didn’t call them until today, 11/12/18 (Life has been very busy for me). As I was trying to explain the situation to their representative, she kept saying “ok” in the middle of me talking. I ask if she was even listening, since she kept interrupting me with “ok”. She says she was, but I have my doubts. Fed up with this terrible company and its low quality reps (aside from the woman who helped me prove my innocence on the charge), I just said give me my $77 and I am done with your company. Once she confirmed that a check will be sent my way, I hung up the phone. Even though I lost money from all this, I’m just happy to be done with this crappy company.
***Bottom Line: Don’t get a card with these people. Their company is terrible. Their reps are useless and do not understand their own system (aside from one person). Their “investigations” are a joke and can’t even keep track if a card has a chip on it. Bring your business elsewhere and save yourself the stress and headaches.… show more
I’ve had my account with Credit One for a few years and I didn’t have any problems until earlier this year. Earlier this January, my card had a charge I did not make on it for around $400 USD at Lowe’s. I reported it in as normal, closed out the card, and requested a replacement. About a week or two later, my account was credited back the money and everything was fine.
After I received my tax returns at the end of February, I paid off the rest of my balance as I was trying to cut down my debts. In March, I noticed another charge of $400 dollars from Lowe’s again. I reported it in and got another card.
I called several times to check on the progress of the investigation on the charge and they kept insisting that “it can take up to 90 days for the investigation to conclude its findings”. At that point, I was fed up with the company and I requested to close my account. They wouldn't allow me to since I had that fraudulent charge balance on my account and that it was in investigation.
I also argued that I do not want to make these monthly payments on the card when I didn’t even make the charge. For one month, they voided the monthly payment. The following month, I requested that they do it again, since I haven’t used any of their credit cards after I got it replaced the second time in March (heck, I didn’t even activate it once I got it, just in case). I was told that it would be noted in the file that I wouldn’t have to pay. Needless to say, I got hit with a charge for not making a payment, and the minimum payment was increased. This continued with a lot of frustrated calls from me and them forcing me to pay the monthly payments (on a charge I didn’t make) or just have my credit score hit every time.
June eventually came around. I gave them over 90 days since they were taking forever, and I call them. It turns out that they had already finished the investigation but no one contacted me about the findings.
It turns out that I was being held responsible. After complaining to them how stupid it was for someone to pay for something that they aren’t even responsible for, I got around to asking on the details of the investigation. It turns out that someone local used my card number via chip and that is how they declined my claim. Unknowingly to them, that card number did not have a chip on the physical card. So I had to send my old card in to them to prove that I didn’t make the charge. Another 30 days later or so the amount is credited back to my account (FINALLY). I also found out that I could have closed out my account months ago which leads to my next problem.
During this whole time, I had been making minimum payments just to keep them away from my credit score but the late fee remained and monthly account fees were accumulating. The charge was also collecting interest. So when that $400 and some dollars was credited back, I only had around -$77 dollars in my account, meaning I did not get all the money I was paying back into the account which I shouldn’t have been paying in the first place!
I requested for them to undo and investigate the possibility of reimbursing me the interest gained from the fraudulent charge and I would just accept the monthly account fees (even though they didn’t tell me I could just close out the account to put an end to them).
Now, here we are. I haven’t received a call back from them and I didn’t call them until today, 11/12/18 (Life has been very busy for me). As I was trying to explain the situation to their representative, she kept saying “ok” in the middle of me talking. I ask if she was even listening, since she kept interrupting me with “ok”. She says she was, but I have my doubts. Fed up with this terrible company and its low quality reps (aside from the woman who helped me prove my innocence on the charge), I just said give me my $77 and I am done with your company. Once she confirmed that a check will be sent my way, I hung up the phone. Even though I lost money from all this, I’m just happy to be done with this crappy company.
***Bottom Line: Don’t get a card with these people. Their company is terrible. Their reps are useless and do not understand their own system (aside from one person). Their “investigations” are a joke and can’t even keep track if a card has a chip on it. Bring your business elsewhere and save yourself the stress and headaches.… show more
Nov 11, 2018
When I received the card, my credit score DECREASED by 20 points - the card was the ONLY change! Then, for the two months I had the card, I paid FIVE DAYS PRIOR to the due date and they posted four and five days past the due date and my credit was dinged again, both times! As a previous reviewer mentioned, they delay posting payments. STAY AWAY from this card!!
12/07/18
yes they do that. They did that to me for 2 months in a row when my payment was plenty early. they hit me with a late fee 3 times. I called them to close my account when it was at $150 I used(the remaining 150 was their fees) they refused to close my account and said it would be "investigated first". So I never heard anything from them but was served with a lawsuit from some junk debt buyer who bought my debt that is now $700. Im not backing down and I will fight them and the debt collector all the way to trial if I have too. I am going to make sure to cite some of these reviews if the court allows it. They are nothing more than a scam organization who thrives off of unjust fees. They make your payments late on purpose its all a big scam!!!… show more
Nov 06, 2018
They are ridiculous only charges on there is their annual fee no grace period on the payment not even 5 days like most companies have. They freeze the card even though they can see the payment is made but they are waiting 5 to 7 days before I can use the card because I don't want to pay them the extra $10,00 fee. When I called and asked if they are blocking the card because the payment was made on the 5th not the 1st the guy tells me no they are not blocking the card they are waiting 5 to 7 days for the payment to clear before funds will be available LOL thats the same as blocking the use of the card right, maybe they should speak the language. Anyway it was my first payment due 3 days before I get paid I didn't receive a statement mail or email. Now they have their fee and I don't even know if I want the card. I hope they get over it and yes the payment will be there before the due date from now on I just think they are stupid over $39.00 the rest of the available balance is not available.… show more
Oct 23, 2018
SCAM! SCAM! SCAM! ALERT!
If you don’t use the credit card and they are not making money out of it this bank charge you fake transactions Their fraud protection is a FRAUD. Don’t do business with them.
If you don’t use the credit card and they are not making money out of it this bank charge you fake transactions Their fraud protection is a FRAUD. Don’t do business with them.
Oct 14, 2018
I'm not the type to give ratings on anything but this is freaking ridiculous. I tried to make a payment over the phone but since I wasn't able to provide the routing number to my bank, despite the fact that I had already given them that information previously, they would not allow me to make a payment. I have 7 other credit cards, some of which are American Express, Capitol One, Citbank, and Chase, which allowed me much higher credit limits I might add, and not one single one of them requires me to tell them my banks routing number. I was able to give the last 4 digits of my account, whereas with all my other cards they will ask me if I would like to use my account ending in said last 4 numbers. They are also the only card provider that I have known that charges to make the payment available much sooner than if you one chose to make a regular payment rather than an express payment. I could go on and on about all the stupid excess charges and such but I haven't the time to do so. This card provider is driven purely by greed, plain and simple. If you are thinking about applying for this card, make sure you do your homework thoroughly! Rest assured, I will not make any more charges to this card and once I am able to pay it off it will be cancelled. That is if they don't find more ways to continue to rip me off and keep the account active. I will most certainly advise anyone, friend or foe, to avoid doing business with this company.… show more
10/25/18
You need to make it a habit to have that information in front of you before making the call. The credit card company doesn't keep check ABA/account numbers like that on file. Once they process the check and it clears, the information is purged from the system.
It's not Credit One's fault for your lack of info.
It's not Credit One's fault for your lack of info.
Oct 14, 2018
Have both cards. I have had no problem. Pay ahead of payments they have increased my limit within a year on one of them? Was leery at first about applying for theirs but, so glad I did. has helped my credit score. I always pay online never been charged any fee. Most companies now a days are charging for payments over the phone which I think is ridiculous ? Just another way of squeezing more out of you.… show more
Sep 27, 2018
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.… show more
Sep 18, 2018
The worst card ever. They would call me at 8 am on s unday on the payment due date. When you pay for the card, it takes forever for the payment to be processed and you are not allowed to use the card for over a week. i tried to make a payment and they cancelled my card without notice. I am happier with my Visa and my masters from my bank, you don't need this card . Also, the cash back deals with my card from my bank are much better.… show more
Sep 04, 2018
Worst worst credit card. Is a scam stay away from Credit One Crdit card. Every time u make payment they charge u $9.00 every time u call u get different person and they tell u all different story. After being 1 hour wait ur not getting anywhere. Stay away from it.
10/04/18
No they do not charge you $9.00 every time you make a payment if you pay it by mail. If you are going go come here and tell stories at least tell the whole story with accurate facts
09/06/18
LOL that is for the express payment which hits your account same day. Regular payment is 3 business days. Your statement is misleading.
Aug 26, 2018
I applied for and got a Visa card from credit one. I noticed charges on my card and went to the website where someone entered a change of address and got a second card sent to them. I filed fraud charges and changed the address back to the correct address. They cancelled the card and sent me a new one. It took several months but I got my money back. Fast forward to a few months after this and they sent me a e-mail saying I qualified for a Mastercard and to go to the website and verify my information. I did and waited four weeks for my card. I received an e-mail saying I had activated my new card. I called Credit one and the representative kept repeating when did I move and what was my old address. I went on the website and saw that someone had gone in and changed my address once again. This website is not secure. Try another company like capital one if you are trying to get your credit score increased.… show more
10/04/18
Sounds like you are trying to scam the company so you do not have to pay the bill. Once maybe, twice, nope. Or you gave information to caffeine or family member and they are scamming both of you
09/06/18
I agree, sounds fishy....how does it happen twice? Did you change your password after the first time? Or is it someone you know doing it. Surely not the CC companies fault that you don't secure your password and personal info
09/06/18
Ya this one is fishy, you had to have given someone your account info or personal stuff lol
Aug 25, 2018
Sounds like a great opportunity to get my credit score up. I really did not want another card but I am seeing that credit scores and bankruptcy can hurt your insurance, especially homeowners. I am almost ready for discharge and your statements have given me a little hope.
Aug 21, 2018
I have had this card for 8 months. After 3 months they raised my credit limit from $300 to $550.. I have never had a problem with them. I, like many on here, don't like the annual fee but if I would have paid my bills in the past with other creditors I would have better credit to get a better card. I will continue to use them and I am grateful for them taking a chance on me.… show more
Aug 19, 2018
This is the most annoying card out there. They make it so hard to make your payments. I have the app and it takes a week to take the money out of my account. On top of that every other time I make a payment it requires “ verification “ another week long process where they make small deposit into my account and I have to confirm with them how much that was. Our use the same payment method every time why the hell should I have to verify every other time. I’ve never in my life had any other institution that I’m giving money to require something like that. I will be closing this card ASAP. Save yourself the headache and go with Merrick.… show more
Aug 19, 2018
They check your Credit Score and do a hard check about every 6 months they will increase your credit amount without notice if you qualify if you don't it will hurt your score too. They also charge you a fee which is $49 to increase the credit. Also If your Account has a Grace Period, your due date is at least 24 days after the close of each billing cycle and Interest will not be charged on any Purchases if your entire balance is paid by the Payment Due Date each month. For Accounts with no grace period, Interest is charged on Purchases from the posting date. All Accounts are charged Interest on Cash Advances from the posting date. Also avoid getting the Credit protection it is not worth the extra cost on your account. It could be a great card if they did away with some of these red flags.… show more
Aug 11, 2018
When no other financial banking institutions were approving me a credit card due to my history of delinquency of missed payments, closed accounts and credit age, and hard inquiries, Credit One Bank was the third one besides Discover Card and Capital One Bank that honored and approved my credit request for only $300 in 2014. It was unbelievable since it's a CREDIT REBUILDING CREDIT CARD! After 5-6 months of making ON-TIME MONTHLY PAYMENTS to Credit One Bank, I had received a credit limit increase fro free.
But the next eligible ones had fees attached to them which I didn't mind at as my credit limit was climbing to $450, $550, $750 and $950. When it reached $950, that's when I messed up and missed a few payments and went over-the-limit which negatively impact my credit scores that were going up. On top of that, COMPOUND INTEREST (interest on top of interest) was being added making it difficult to catch up bring my balances under $950 as I had MAXED my credit cards which is THE WORST THING ANYBODY CAN DO.
As usual, it takes about 4-5 business days for my payments to be posted on my account. But due to insufficient funds in my checking bank account, one payment was bounced back and charged for it. I received a statement letter warning me that my Credit One Bank will be closed the second time the fund is returned. By the time I was warned, the second payment was bounced back.
When I attempted to log in to my account on my smartphone, it was said that my ACCOUNT had been TEMPORARILY SUSPENDED and to call customer service at 1-877-825-3242. When I did call, I was informed about the warnings which troubled me a lot because I screwed up and lost such a GREAT CREDIT BUILDER CREDIT CARD which I'm still repaying every month since I can't afford to pay it in full yet.
The funny thing is, after I had just signed up for WalletHub, I kept noticing that I have a VERY GOOD APPROVAL ODDS with Credit One Bank Platinum Visa for Rebuilding Credit. LOL I've been so tempted to apply for it, but I already lost 2 points last week after a hard inquiry was done by LendUp for the Arrow Classic Visa card I applied for.
Although I was denied for Arrow Classic Visa Card by LendUp, LendUp suggested that I get educated on how to better improve my credit report history. And I did take its advice and became a Self-Lender on August 8th, 2018 by creating a CREDIT BUILDER ACCOUNT via https://www.SelfLender.com for $48 per month for the next 12 months which will be reported to the 3-credit bureaus and then build up my credit. It's a savings/CD account which build up customers's credit.
I never knew it existed until my denial for credit statement was displayed on the application processing screen last week. One bad thing happened, and a great thing is now happening! I would definitely recommend anyone here looking to improve his/her credit scores to create a Self-Lender Credit Builder Savings Account to change the game. It's a game changer!
In conclusion, I would rate Credit One Bank Visa Card as a 4-star review because it does what it's intended to do. It's just that I failed to keep my end of the deal by missing payments and maxing out my card. The reason the minus 1-star rating is for all the fees and late account closure notification to customers.… show more
But the next eligible ones had fees attached to them which I didn't mind at as my credit limit was climbing to $450, $550, $750 and $950. When it reached $950, that's when I messed up and missed a few payments and went over-the-limit which negatively impact my credit scores that were going up. On top of that, COMPOUND INTEREST (interest on top of interest) was being added making it difficult to catch up bring my balances under $950 as I had MAXED my credit cards which is THE WORST THING ANYBODY CAN DO.
As usual, it takes about 4-5 business days for my payments to be posted on my account. But due to insufficient funds in my checking bank account, one payment was bounced back and charged for it. I received a statement letter warning me that my Credit One Bank will be closed the second time the fund is returned. By the time I was warned, the second payment was bounced back.
When I attempted to log in to my account on my smartphone, it was said that my ACCOUNT had been TEMPORARILY SUSPENDED and to call customer service at 1-877-825-3242. When I did call, I was informed about the warnings which troubled me a lot because I screwed up and lost such a GREAT CREDIT BUILDER CREDIT CARD which I'm still repaying every month since I can't afford to pay it in full yet.
The funny thing is, after I had just signed up for WalletHub, I kept noticing that I have a VERY GOOD APPROVAL ODDS with Credit One Bank Platinum Visa for Rebuilding Credit. LOL I've been so tempted to apply for it, but I already lost 2 points last week after a hard inquiry was done by LendUp for the Arrow Classic Visa card I applied for.
Although I was denied for Arrow Classic Visa Card by LendUp, LendUp suggested that I get educated on how to better improve my credit report history. And I did take its advice and became a Self-Lender on August 8th, 2018 by creating a CREDIT BUILDER ACCOUNT via https://www.SelfLender.com for $48 per month for the next 12 months which will be reported to the 3-credit bureaus and then build up my credit. It's a savings/CD account which build up customers's credit.
I never knew it existed until my denial for credit statement was displayed on the application processing screen last week. One bad thing happened, and a great thing is now happening! I would definitely recommend anyone here looking to improve his/her credit scores to create a Self-Lender Credit Builder Savings Account to change the game. It's a game changer!
In conclusion, I would rate Credit One Bank Visa Card as a 4-star review because it does what it's intended to do. It's just that I failed to keep my end of the deal by missing payments and maxing out my card. The reason the minus 1-star rating is for all the fees and late account closure notification to customers.… show more
Jul 30, 2018
TERRIBLE! Stay away! DO NOT RUSH IT! This is hands down the WORST card out there. In the process of trying to buy a home, we had to wait over a week for them to fax (because they don't have the foresight to email) a current statement document letter to us. I had to call no less than 4 times because they didn't process the first request. Additionally in order to change my last name when I got married, they wanted me to mail a copy of my marriage licence or driver's license to a PO Box in Las Vegas?! Unless you want to be living in 1999, do yourself a favor and do not get this card. Also, the credit limit is terrible, and zero perks. Go to capital one.… show more
10/04/18
If you had to get a credit one card, you probably do not even qualify for a house as this is a card for BAD Credit in the first place
Jul 29, 2018
Credit one is very customer unfriendly if one person makes payments with multiple card accounts in the house you get locked out and the get charged a monthly fee for phone payments, plus onlne when had access could not schedule payments in advance. VERY POOR CUSTOMER RELATIONS WILL BE CANCELLING ALL CARDS, I WAS A CUSTOMER FOR YRS TILL THIS RECENT INCIDENT!!!!
Jul 20, 2018
I just had a question I rush into getting this card not really understanding what I was suppose to look for the card is in the mail to me I’d like to get out of they are charging me a annual fee 75 the first year then after 8.50 a month I was pnly told about the 75. After reading reviews I am so worried. What can do? Please help
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Last updated on: April 3rd, 2019 at 15:50
Editor's Pick
Credit One Bank® Platinum Visa® for Rebuilding Credit is an Editor's Pick for:
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Offer last updated: Apr 3rd, 2019 at 15:50 ET