Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa®'s Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
16.99% - 24.99% (V)
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ANNUAL FEE
$0 - $99
Credit One Bank® Platinum Visa®'s Additional Info
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MAX LATE FEE
$37
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MAX OVERLIMIT
FEE
None
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MAX PENALTY APR
None
-
GRACE PERIOD
0 or 24 Days (see terms)
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ONLINE RESPONSE
No
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CASH ADVANCE
RATE
18.90% - 25.90% (V)
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CASH ADVANCE
FEE
$5.00/8% or $10.00/3%, whichever is greater (see terms)
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FOREIGN
TRANSACTION FEE
3% or $1.00, whichever is greater
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SMART CHIP
Yes, chip-and-signature
- Make paying your bill easier with the ability to choose your payment date. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Zero fraud liability protects you from unauthorized charges
- Monitor your credit with free online access to your credit score
- Show off your style with a premium card design, a fee may apply
- Receive opportunities for credit line increases, a fee may apply
- Email or text alerts to remind you when your payment is due
at Credit One Bank's
secure site
secure site
Editor's Pick
Credit One Bank® Platinum Visa® is an Editor's Pick for:
Related Credit Cards
If you are interested in the Credit One Bank® Platinum Visa®, check out the following credit cards as well:
Related Credit Card Categories
Credit One Bank® Platinum Visa® 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® to our community.
How can I increase my credit limit?
Reply
Dec 2, 2016
Your account is automatically considered for a higher credit limit based on your credit score and payment history with Credit One Bank. But you can also simply request an increase yourself. To do so, sign into your online account at https://www.creditonebank.com and select “Settings” from the site menu. Then press the “Credit Line Increase” button and follow the steps from there. Just bear in mind that you are unlikely to get approved if you haven’t consistently paid your monthly bills on time. Requesting a higher limit can also trigger a hard inquiry into your credit history, which temporarily hurts your credit score. You can learn more about requesting a credit-limit increase here: http://wallethub.com/edu/how-to-increase-credit-limit/25857/. Please let us know if you have any other questions.
I just got a credit card for $400 and used it up. How much do I have to pay to get $300 available credit?
Reply
Oct 15, 2015
The easiest way to regain spending power is to pay off some of your balance. If you just got approved for a $400 limit, that would have left you with $325 in available credit considering the card's $75 initial fee. If you then made $325 in purchases, bringing your available credit to zero, you would need to make a $300 bill payment in order to regain $300 in spending power.
It's also important to note that while some credit cards enable you to pay a fee in order to to obtain a higher overall credit limit, this Credit One Visa is not among them. Cardholders are eligible for credit line increases based on performance (e.g. paying bills on time), but you'll likely need to prove yourself for at least six months before this comes into play.
How often can I make express payments?
Reply
Feb 15, 2017
There is no limit on how often you can make express payments. But a fee of $9.95 will be charged each time you choose the Express Payment option.
There is no fee charged if you choose the Standard Payment option, but it will take up to 5 business days for your funds to become available (vs. 1 day for Express). Plus, you have to transfer funds from a bank account if you go the Standard Payment route, whereas debit/ATM cards and bank accounts also are options with Express.
Can I go over my credit limit?
Reply
Jan 12, 2016
While Credit One may from time to time approve a transaction that causes your balance to exceed your credit line, it is unlikely to do so with any consistency. Some credit cards allow you to actively opt-in for the ability to outspend your credit line, but “bad credit” credit cards typically aren’t among them. However, it’s important to note that you cannot be charged an over-limit fee if you have not opted-in.
How long does it take to receive the card in the mail?
Reply
Nov 2, 2016
It usually takes about 10 business days to get a new credit card once you’ve been approved. Make sure to activate your card quickly after you receive it, as Credit One may automatically close your account for security reasons if the card is not activated within 14 days of being received.
What is the interest rate?
Reply
What is the limit that a person with bad credit is usually approved for on a credit card?
Reply
Nov 4, 2013
It depends on the type of card you wish to get, the company that issues it, and your overall credit standing. Most secured credit cards require a refundable security deposit of at least $200 that will serve as your credit line. So for example, if you place a $300 deposit, your credit limit will also be $300. With an unsecured credit card for bad credit, like the Credit One Bank Credit Card, the credit line that you will ultimately get approved for is hard to predict. Credit One will make that determination based on your income, debts, and the exact nature of your credit history.
How can I redeem my earned rewards?
Reply
Feb 15, 2017
The 1% cash back that you will earn on all purchases made with the Credit One Visa automatically post to your account each month, as a statement credit. That means your outstanding balance will be reduced by the amount you earn in rewards each month.
How many payments can I make a month? I thought I read somewhere that you can only make 3 payments a month?
Reply
Jul 21, 2016
You can make up to 4 electronic (internet) payments within 1 billing cycle. For security reasons, Credit One Bank has procedures in place to restrict the number of electronic payments that may be made within a rolling 30-day time period.
You can also send a check, pay by MoneyGram or Western Union money order, or use Express Payments (for a fee of $9.95) to pay over the phone. There are no restrictions on the number of payments you can make using those methods. Hope this helps!
What happens when I pay off my balance?
Reply
Jul 15, 2016
Paying off your balance enables you to completely avoid interest charges. Also, if you pay your bill in full every month, you will benefit from a grace period of up to 24 days (i.e. the period between when your bill is made available each month and when interest begins to be assessed). For more information on this topic, you can check out our Credit Card Bill Payment Guide: http://wallethub.com/edu/paying-credit-card-bills/25558/ . Hope this helps!
Credit One Bank® Platinum Visa® Review: Editor’s Take
The Credit One Platinum Visa Card 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.
- 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 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.
Aug 5, 2017
Credit One Bank® Platinum Visa® Reviews
Share your insights and review the Credit One Bank® Platinum Visa®.
Aug 05, 2017
I have had this card for a little over 9 months and have never had an issue. I pay thru ach debit every month. I started at $300 9 months ago. Had a $200 increase 5 months later for a new limit of $500 and just last week, only 9 months into this card they increased it to $1,000. I never go over $150 and pay off every month in full. I didnt need the card, I have plenty of cash that i dont need credit cards but I got it to build credit. Has been a great card. I have never needed to talk to anyone. Usually only 2-3 transactions per month if that. I pay as soon as statement comes out. Really a great card in my opinion. Cash back rewards isnt high enough to justify it but thats ok. I dont really care about cash back. I would recommend this to anyone looking to build credit and can pay it off every month.
Hailey… read more
Hailey… read more
Comment
Jul 16, 2017
CreditOne, is a very dishonest company and should NEVER BE USED, NO MATTER HOW MUCH YOU NEED CREDIT! I tried paying off my balance, and after receiving the confirmation code & emails saying that I had ZERO BALANCE, two weeks later, I'm getting text, & emails saying that I am over the limit and to make a payment immediately. When, I call in they said my bank account number was incorrect, which I know to be false, because I've had it for 10+ years! Also, the minimum payment I made two weeks prior to paying off the balance, went through just fine, with the saved account number I had online.
The following month, I find that my card is declined every where I shopped, and my online access was denied, when I had made more than minimum payment one week prior to using it again. I had more than enough room on the card for the purchases I was trying to make.
Calling in again, only led me down the same road as the month prior, with them telling me that my bank account number was incorrect, and that they had assessed another $13 fee! Then they threatened to cancel my card if this happens again! After talking with the manager, he reversed the fees. So, paid the balance and closed the card! This is RIDICULOUS, they should be SHUT DOWN!!… read more
The following month, I find that my card is declined every where I shopped, and my online access was denied, when I had made more than minimum payment one week prior to using it again. I had more than enough room on the card for the purchases I was trying to make.
Calling in again, only led me down the same road as the month prior, with them telling me that my bank account number was incorrect, and that they had assessed another $13 fee! Then they threatened to cancel my card if this happens again! After talking with the manager, he reversed the fees. So, paid the balance and closed the card! This is RIDICULOUS, they should be SHUT DOWN!!… read more
Jul 14, 2017
Can I give this 0 stars? the credit card from hell. literally. I've made payments from the same account from before everytime. I stopped using it because there were charges on there that I couldn't identify. Every bill it's like I had to pay more than I had spent. I keep track of everything and pay it on time so I don't know where that came from. I had to use it recently due to an emergency but paid off the bill really quick but they're saying that they can't find it. spoke to several customer service representatives who do not understand what I'm trying to say. None of them were able to resolve any sort of issues. Scripted customer service spiel. Worst credit card company I've ever dealt with.… read more
Jul 12, 2017
I wish I could give them 0 stars. They are horrific, unhelpful and useless. NEVER make an early payment- they will penalize you and it will take hours of useless phone conversations to get nowhere. I would stay as far away from this company as possible.
Jun 03, 2017
I prequalified for a $300 credit limit with Credit One in April 2017. Not surprised because my scores went down the drain last year. I used it and made my first payment on 5/27. My new statement just generated and I had an email in my inbox that they gave me a $150 limit increase with no fee. A very nice surprise!
May 25, 2017
I have not received the card yet but wanted to get more information about the card. I call the customer service line and was told they can't tell me anything until I activate the card. The one thing they did tell me was even if I pay it off in fill every month I will still be paying fees. Not one fee multiple fees. I will not activate this card at all until the information has been given. And even then I may not activate it.… read more
07/16/17
PLEASE DO NOT ACTIVATE THIS CARD, OR USE IT!! IT'S awful. I hope that I can save you and other people from using them!
May 05, 2017
TERRIBLE CARD! TERRIBLE COMPANY! TERRIBLE CUSTOMER SERVICE!
I did not believe the reviews at first. I thought most were overreactions. I was mistaken. Those people were right. They have malicious practices where they find ways to charge excessive fees. Their customer services is rarely helpful and always hostile.
DON'T APPLY/GET A CARD WITH CREDIT ONE!
I did not believe the reviews at first. I thought most were overreactions. I was mistaken. Those people were right. They have malicious practices where they find ways to charge excessive fees. Their customer services is rarely helpful and always hostile.
DON'T APPLY/GET A CARD WITH CREDIT ONE!
May 03, 2017
Worst customer service, no one is American and their "policies" change with every new person you speak with
Apr 20, 2017
I've had my account for 2 years now and haven't had any problems with the company at all. My credit score was just over 500 when I got started and now it's better than 620. I have kept a high balance on my card since day one but have always made my payments on time and for more than the minimum payment. They gave me a credit increase offer after the first 7 months of on time payments (they did charge a fee) and haven given me 2 more increases since then. I usually make my monthly payment 5 to 10 days before the due date online and have never had a posting problem. So far this card has done what it said it would, and that was help me repair bad/lack of credit.… read more
Apr 12, 2017
Absolutely ridiculous! I heard such good things about this card so I was shocked at the kind of treatment I have gotten. I called to have my payment date changed and the automated system told me that it had to be done 5 days prior so I was fine. A week later a get a call saying that I was late on my payment (the lady was nice though) and I called back that same day asking how I was late when I changed my payment date. The guy that I spoke to said that it would take 2 billing cycles to start(I later got a letter saying that as well but after I was already "late"). I told him that the automated system didn't say that and he responded "maybe you weren't listening". I shrugged it off trying not to start a fight. Got another call a week after saying that they needed to know when I would make a payment and that I said I would make or made a payment on a certain date and I advised that I said "probably" on that date and "$30 or whatever the min payment is" and he took my words and twisted them. After going round with him for 3 mins, trying to get a specific pay date out if me and me not giving one, he hung up on me. Do yourself a favor and stay away! I WILL be closing this card as soon as I pay it off!… read more
Apr 03, 2017
I have asked more than 3 times for my account to be closed. First time they told me it would be done. After 2 months I get a call that my account is past due, the 30 dollar monthly fees, I became a little upset, told the person on the line that I would make the payment online but I had asked for the account to be closed. Then silly me did it again, I took them for their word..... so recently I pull my annual credirect report and what do you know that card it showing over 30 day past due. I have worked extremely hard to repair my credit and this second rate poser credit card company is messing it up. I take the blame because I fell for the offer not paying close attention that it was not Capital One. Which I have 3 credit accounts with, and they are fabulous. Thirty dollars a month fees even if you are not using the card is highway robbery, that is okay, my attorney will be in touch.… read more
Mar 23, 2017
There are a lot of things that I don't like about this card, but if you use it ultra-responsibly in place of funds that you have and almost immediately pay the balance then it's a great springboard to better credit. I had a score in the 500's and a $250 secured card with my bank before I applied for this card less than a year ago. Standard low limit that was quickly upped to $600 within the first few months and that's where it currently stands while I wait for my 1-year mark.
Despite the low limit, I used this in place of my debit card for normal purchases that I would normally have made with my debit card. I would use it until I got to nearly $200 then schedule a payment. Rinse and repeat. I can't stand the amount of time that goes by before the payment posts, but seems how I'm never running near the limit it actually doesn't really affect me. The 1% is also not impressive in any way, but again-this is a card specifically to help build credit and will do exactly that if used properly.
My credit had skyrocketed far enough by using the card this way that at month 7 I applied for a card with better rewards through my bank and was approved for a $2k limit. I used that card the same way and by month 10 I was just approved for a $10k Amex Blue Cash Preferred and a $5k card with a hotel I have elite status in. My credit just crossed the 700 line and I hope the new tradelines will help continue boosting it upwards as I intend on getting a mortgage later this year.
Use your card but be diligent in keeping the limit under 30% and your credit will improve quickly, assuming the rest of your credit use is responsible as well. Once you get approved for something better then just park your card to help your utilization or close the account.… read more
Despite the low limit, I used this in place of my debit card for normal purchases that I would normally have made with my debit card. I would use it until I got to nearly $200 then schedule a payment. Rinse and repeat. I can't stand the amount of time that goes by before the payment posts, but seems how I'm never running near the limit it actually doesn't really affect me. The 1% is also not impressive in any way, but again-this is a card specifically to help build credit and will do exactly that if used properly.
My credit had skyrocketed far enough by using the card this way that at month 7 I applied for a card with better rewards through my bank and was approved for a $2k limit. I used that card the same way and by month 10 I was just approved for a $10k Amex Blue Cash Preferred and a $5k card with a hotel I have elite status in. My credit just crossed the 700 line and I hope the new tradelines will help continue boosting it upwards as I intend on getting a mortgage later this year.
Use your card but be diligent in keeping the limit under 30% and your credit will improve quickly, assuming the rest of your credit use is responsible as well. Once you get approved for something better then just park your card to help your utilization or close the account.… read more
Mar 23, 2017
I personally do not like this card at all. I do realize that it was necessary to get in order to build credit but I strongly believe this card is designed to make you fail. I highly recommend not carrying a balance with this card and do not pay it later than 7 days from your due date because it will take them 5 business days to credit the money paid even though it is taken out of your bank account immediately. You are also not able to add this card to Mint or any other program where you may want to monitor your spending and they rip you off by charging $9.95 to have your payment available by the next day. As soon as I make my large purchase, this card is getting cut up and placed into the garbage can as fast as I can. I do appreciate being able to use it to build credit but honestly, this card sucks. Here is some advice:
1) Do not charge more than 30%
2) Pay your balance in full each month
3) Pay at least 7 business days in advance as you will be to blame for late payments even if you are not technically late.
Good Luck.… read more
1) Do not charge more than 30%
2) Pay your balance in full each month
3) Pay at least 7 business days in advance as you will be to blame for late payments even if you are not technically late.
Good Luck.… read more
Mar 18, 2017
I don't understandif you pay each month, they limit the maximum credit limit you can get, they charge fees and for that they cut you off that sucks
Mar 17, 2017
I mean I guess I understand people complaining about the fees and interest rate. My credit score was around 500. Got approved for this card at $400, charged about $300, made a first payment about $50 over and my credit line increased to $550, one payment. Unfortunately I don't pay off the balance full but I try to do atleast $20 over. Anyway, it's been about 5 months, got a offer to increase it to $750 for $19.95, hey why not? At the end of the day, I know my credit sucks and they gave me a chance. I'm assuming the best thing to do is keep at it for a while longer until my credit gets better then close it. Oh and since then my bank just approved me for a new credit card for $1500. Also, I did something kind of stupid and accepted another card from them with a $1000 limit, didn't activate it yet. Having second thoughts, maybe I can cancel it without any penalty. Anyway, good luck guys.… read more
Feb 28, 2017
got a notice i am eligible for credit increase..... if i pay 14.95. Naw, you can keep that increase, my other cards don't charge me to increase my limit, even Amazon and Walmart just adds it
Feb 25, 2017
I have had the Worst Time Ever in paying my bill on line And logging in. Their System Sucks!!!!!!!!?
Feb 24, 2017
So far so good to build credit i had no problems with it, if you are going to use it just make your payments on time at least 1 wk before due date be responsible. Read everything before you decide to apply and dont complaint about it if you cant pay your bills on time not to be rude but i like to be real.
Feb 24, 2017
They have horrible customer service. DONT ever do the express payment options. They charge $10 to have it credited the next day. And it isn't. I called they said it could take up to 5 business days. It does not say that all when you use that options. I wanted my money back & they wont credit back to my card. Then I wanted to close the account and cancel my card. They wanted to charge me. I told the guy now that's its paid in full i just wont use it. He made a comment that they will charge a fee if the card has a $0 balance for a certain amount of time. I do not recommend this card.… read more
Feb 18, 2017
This is one of the shitty card to get even if you have bad credit and the reason why Is say that you have a pending credit and it doesn't go trough until after your they charged you the monthly interest rate and annual fee then they report your account as maxed out even if it's their fault bc they couldn't wait for your payment to go through before charging your account the monthly fee oh and they always charge these fees days before your account dues.
I wouldn't recommend getting this card period.… read more
I wouldn't recommend getting this card period.… read more
02/18/17
I have also have had them for 2 year and they have not increased my spending limit one single sent even though I always make my payments on time
Feb 07, 2017
Very good bank! I have never missed a payment and was notified of a limit increase after just 6 months. I don't pay any attention to the credit score, because wherever they get it from, it's wrong, but that's what I have WalletHub for.
07/26/17
I've had this card almost 13mos now, never missed a payment and always made more than one payment per month. Also, have not had any bad experiences with them. The CSR's are always very polite and helpful if I need to call to make a express pay payment. My Credit Score initially when approved was 579 and now up to 623 but still haven't seen any notices for CLI's. Some people say it's not based<span class="hidden"> on your score since they're always inaccurate. Does anyone think my CL will be increased?. Haven't seen payment 13 post on account statement until after the 27th closing date. Please advise.</span><span class="more-ellipsis">…</span> <a href="#" class="more">read more</a>… read more
Dec 28, 2016
They charge you to increase your credit, it is only a few hundred dollars once a year. They charge you an annual fee and an additional user annual fee for each user you have on your account. The credit score they give you is completely wrong and much lower than any other credit score. There customer service is of no help, they speak with accents that are difficult to understand and they hang up on you because there is a bad connection. Worst card ever.… read more
Oct 19, 2016
Love this card except that I pay on it a couple of times a week and you are only allowed so many payments a month. Credit One has been extremely courteous and helpful, with no problems being declined or otherwise. Props to CREDIT ONE BANK VISA!
Aug 23, 2016
I was hit with my career, making commissions only, vending and photography went the way of internet , the earnings were nil. Credit one gave me a chance to rebuild my credit . I did miss payments because of being hospitalized , but I have paid them with regular payments. Great company to do business with. CONS: upfront $99. taken from credit card, leaving less on the credit card.
Jun 19, 2016
I have had the card for over 3 months and it still has yet to show up on any of my credit reports. How long does it take . I have made 2 payments already and have a zero balance.
06/28/16
Sometimes it takes the credit agency awhile to post. But I know that most agencies are behind in their postings. Why?, I don't know. Keep paying on time and eventually TransUnion will begin posting. But remember their postings will be two months behind. Hope this helps.
Jun 13, 2016
Credit one bank
Worst credit card ever.
i call for cancel my credit card before they charge me for annual fees.i call 2 months in advance before a year complete. I have a new credit card whit no anual fee. They told me no to worry, they won't charge me any anual fee. When the time come anual fee apears in my statement. I call back they remove the anual fee and I cancel the credit card. Now they still charge me for anual and maintance fee.
Really bad experience and a rob.
(855) 411-2372
https://www.ftccomplaintassistant.gov… read more
Worst credit card ever.
i call for cancel my credit card before they charge me for annual fees.i call 2 months in advance before a year complete. I have a new credit card whit no anual fee. They told me no to worry, they won't charge me any anual fee. When the time come anual fee apears in my statement. I call back they remove the anual fee and I cancel the credit card. Now they still charge me for anual and maintance fee.
Really bad experience and a rob.
(855) 411-2372
https://www.ftccomplaintassistant.gov… read more
May 28, 2016
This is a complete scam, i have no idea whats going on but i havent received a card , but did get a bill, an email saying i was approved. But another member of my family was told fraud was attempted on them. Ive received over 20 pre approved notifications. Cant sign in , told card doesnt exist but bill for 45 does. If this isnt cleared up i will be making a bold statement about this companies practices after seeing what my lawyer thinks.… read more
May 27, 2016
Since March of 2016, I can truly say I like this credit card. Since having fair credit CreditOne Bank has opened an opportunity to improve my credit ratings.
Because I read about the annual fees, I was well aware of the process. Paid the fee the first month and received an increase the following month FREE. (complimentary)
For those who have complained about the bank have caused their own problems. I have used, paid and receive cash back rewards with no problems. I avoid the APR by paying my balance in full before the due date. I also make sure I use my credit after the closing date to avoid interest rates.
I truly have NO problems with CreditOne Bank.… read more
Because I read about the annual fees, I was well aware of the process. Paid the fee the first month and received an increase the following month FREE. (complimentary)
For those who have complained about the bank have caused their own problems. I have used, paid and receive cash back rewards with no problems. I avoid the APR by paying my balance in full before the due date. I also make sure I use my credit after the closing date to avoid interest rates.
I truly have NO problems with CreditOne Bank.… read more
06/24/16
I have no problem either i dont understand what everyone is talking about horrible company yes high annual rate but thats the price you pay for bad credit
Apr 25, 2016
literally these people are in the stone age yet, the customer service is horrible, they do not qualify for the adjective scammers because how come far exceeds the qualifier, a total disaster. I would not recommend to my worst enemy
01/18/17
fee,s and more fee,s, no grace period at all, 8.45$ A MONTH every month,terrible customer service, you can tell who works for them by there glowing reviews, farce !!
Mar 28, 2016
I haven't had problem with this card never missed payment never late.I've been loyal customer 1 year and no credit increase?They sent me email im due forbone but when i replyed they denied me?Really making me doubt how good they have been?
Mar 19, 2016
This card helped get me started again. Like many of us these days I stumbled and hit hard times and had to declare bankruptcy. These folks accepted me and after a few months of paying on time they immediately doubled my credit line from $300 to $600. I had to interact with support for 2 issues and each time they were responsive and courteous. My only negative is I had to pay a rather large membership fee but in all fairness that has to be expected given the risk they took by granting me a line of credit. I also earn some cash back for my purchases which is a nice bonus. I am very satisfied and as my credit improve I hope to stick with them and see if they will waive the annual membership fee!… read more
Mar 07, 2016
I applied for this card I have fairly bad credit and I wanted to re-establish my credit rating. I was easily approved without having to provide any extra documentation. The APR is very high and there is an annual fee that is deducted immediately when the card is activated. There is also no option for automatic payments. But for those with bad credit, this could be a good card to get back on track to good credit.… read more
Mar 06, 2016
My husband and I have had this card for about 4 months now. Unfortunately, my husband was a victim of the downturn of the economy. He delivers new semi trucks for a living and when the economy turned, truck sales were down and he was laid off for 6 months, which ruined our credit. We actually waited for the kids to leave home before trying to get a card. This offer came in the mail. I read EVERYTHING thoroughly. I ran it past my husband and we decided to go for it. We were approved and got a card with a low limit ($300). After the first month, we got a complimentary $150 increase. We were NOT charged a $75 annual fee when we accepted our card. I never pay the minimum amount due, always more. i go through the website and use our checking account for free and our payment generally posts on the 4th day, which I am not overly concerned about. While I am not wild about the APR, I understand it. It is helping our credit scores move in the right direction. We have 4 credit cards (Merrick Bank, Verve, Credit One and a Capital One). Since getting this card, we have been approved for a revolving charge with a department store. So, with these cards, our car loan, student loans, and the revolving charge we have what lenders call a "healthy mix of credit". We had to almost max the card out when my husband was recently laid off. But, we are not using it except for one recurring charge every month and i am quickly paying down the balance. What people forget is that this card is for rebuilding credit. It is not going to give you an low APR for someone with good credit. While I don't like the APR, I am satisfied so far with the card. Once we can, we will get a low APR card and pay this one off. We will not close the account because that can hurt your credit score. Probably just keep the monthly Hulu Plus payment coming out each month and paying it off immediately. So, for those complaining, maybe you should use your card responsibly. You were offered this card for the same reason we were: you have/had bad credit. Suck it up, pay your dues, and work towards the reward of being approved for a card with a lower APR. Maybe your credit was ruined through no fault of your own or maybe it was totally your fault. Either way, you have to pay your dues before being rewarded.… read more
Feb 24, 2016
Read a lot of negative reviews about this card but my girlfriend denied having any issues with it so I applied. I have had the card for approximately 3 months and has had one complimentary credit line increase. My experience with them have been positive so far.
Feb 21, 2016
Helped me get my credit back on track after my bankruptcy. It worked! My score rose in like a year. Such a great feeling!
Feb 20, 2016
My husband and I were in debt and had to file bankruptcy last year. I was looking for cards to try to rebuild our credit. We each got a Credit One card to start the process. The interest rate is a bit high, but that is to be expected when your credit score is low. I would recommend this card to others that are trying to rebuild their credit. If you make your payments on time for 5 months in a row, they will up your credit limit which is a nice perk. The customer service has been great and I have no complaints in that area.… read more
Feb 12, 2016
I have challenged credit and have been looking for ways to re-establish my credit rating. I got immediate approval for this card without having to verify any information. I received the card in few weeks of applying. The APR is rather high but I think this is a great card for those trying to establish or repair their credit rating. The card even offers cash back on gas and grocery sales.
Feb 05, 2016
This credit card provider finds a way to charge you for almost every activity, from an annual fee (broken down into 12 monthly payments), to charging you for an earned credit limit increase. If you choose a designer card, there is a charge. When making a payment there is such a long processing time that unless you make your payment 7-10 days before your due date, it will be a late payment which will incur charges/penalties. Alternately, they offer a quick posting method that your charged for if you haven't allowed enough lead time for your payment to process and post by the due date. If they up your credit limit you are given a choice to accept, with a charge that goes along with it, or refuse the limit increase. If you're trying to rebuild your credit, this may be a helpful provider, but be prepared to follow very stringent guidelines and the charges that may come with them...… read more
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Last updated on: August 5th, 2017 at 17:14
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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.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 5th, 2017 at 17:14 ET