Credit One Bank® Platinum Visa® for Rebuilding Credit

I have not so good credit and i applied for this card and they denied me and i have a job my husband has a job and it like u have to have at lest a 607 and i dont that y i need the help so what do i do now????

I had a bunch of charges for a company somewhere in las vegas that was a internet company for something. They made a bunch of charges to my card, when my card was number was stolen. Anyway there fraud protection sucks. After a investigation they told me i was resposible for all charges about 600 dollars worth. They said if i wanted to dispute it again i would have to have a police report and send a letter to them to reopen the investigation. My bank card and capital one card was also hacked at the same time. I had no problems getting it refunded to capital one and my bank. But this company is holding me responsible. Bullshit they can sure keep charging me fees but cant have my back like capital one did. There fraud department is horrible. If you decide to get thia card DON'T because they will not have your back if something goes wrong. Worst credit card i have ever had.

I have been a cardholder for 3 years already, making my payments on time with a low credit limit. I accidentally missed ONE PAYMENT, and making it two weeks later when I found out I missed it, they reported the late payment to the Bureau and this decreased my score by 13 points. Their penalty is very high. I am paying it off soon or transfer my balance to another card. I believe they are on the limit of a substandard predatory lender

I've had this card to help build credit. Although even though I pay off my balance every month and don't use it until statement/billing cycle closes because it takes several days to process a payment, they still manage to charge me $14 on interest fees. How is this ethical?

So far so good. Was approved on 8/29 and received my card on 9/10. Only charged 19 cents for interest first billing cycle. I plan on paying my balance off and resorting to my card with a grace period but I when I just went to make my little payment to bring me below my limit (interest scared me afraid I would go over my limit) and the express payment was easy on the app. I even got the 9.95 charge waived bc it was my first express pmt. card never declined and everything has been easy. This is an emergency only and rebuilding card. If you go by their rules you will be ok.

I have had this card for a couple of months I finally decided to give it a try because they sent me so many pre-approval letters. They were a little slow at putting the money back on the card. But lately they seem to have put it back faster since i was paying them with bill pay from my bank. The only real complaint I have about them is they will only let you make 4 payments within 30 days on their website. I didn't find that out until I tried to make a payment and the website wouldn't take it and I called them and they explained it to me. I think that's really strange you can't pay as often as you like on their website. They said I could still send it checks or bill pay to pay it down. I started using my banks bill pay and I think I will continue to pay this way since Credit One doesn't have automatic payments and I can set them up to pay each month.

I have called and called trying to find out where my money is going but i cant get a straight answer my payment is 40 dollars a month i send in 400 dollars my balance was 1930 after my payment its 1753 i have sent 900 dollars total in 2 months and i still owe 1753 something is very wrong with this card pay off system

Honestly I think it's a decent card, if you're using it to build credit. 75 annual fee isn't a big deal. Once you've had this card for a year or so, you should have a decent enough score to qualify for much better cards.

So far so good. I give the company credit as it was basically the only unsecured credit card to approve me. I've had the card for a couple months, and my FICO score has already increased. I'm not crazy about their fees, but you have to remember that the company is taking huge risks in accepting people who have horrible history of paying their bills.

There was fraud on my account so I called Credit One customer service they said I needed to write out a written dispute of the charges so I asked them if they can mail me an account statement they sent me an invoice and closed my account.

Shameful about this card. Stay away!! Had a mailed letter come in. Now remind you I don't even need the card. So it says pre-approved so I thought hey I don't need it but let me just see what the pre-application looks like and says because it's normally a soft pull never shows up on your credit. As I do the pre-approved low and behold on my credit it shows that I applied for the card. Wow!! Now I am panicking because they said it would not do that. So now I call the very next morning so I can cancel anything with this card because of all the bad ratings. I look and then they show I have a credit card approved in 2005 !!! HUH??? I never applied for a credit card in 2005 !! And it was sent out they say!! What?? But never seen it used are the card had been sent some where else?? HUH?? By whom and where?? So I was approved and now they say I am disapproved?? I am so glad I wasn't approved because I was calling so they won't process it. I don't even want this card. Thank God it was disapproved!! Worse experience in my life. What is wrong with this company. So they perceive to tell me to call this number for a card back in 2005 LOL!! What?? Not me. I never had any card let alone applied for one. This company is horrendous. Run and Run fast it sounds like this company if over seas and it's long sharks and scammers. I don't see any good ratings for this card!! Thank God they didn't approve me! I have capital one and another great credit card which never had issues. I never needed this card I just was curious about what they said in the letter. I will never do that again I learned my lesson to never answer a letter in the mail. I will never!! Stay away from this company you been warned!! The reviews are real and atrocious!!

If your card ever has any fraudulent charges they cant dispute them because they have no fraud team. If you want to just keep the card open and not use it them you will pay an 8 dollar fee every month. I have tried to cancel the card three times only for them to keep it open. The last time I called to cancel they said it was done, a month later someone purchased something on amazon. I called to dispute the charge and they told me that only way to get my money back is to call amazon. If the card had just been cancelled when I asked 4 months ago I wouldn't be paying 150 dollars for someone else's purchase. I initially stopped using the card because they would randomly put holds on my account for no reason, so I would have to constantly call in to reactivate my card. If you're trying to build your credit stray away from this card, it's nothing but a money hole.

I found this card through a search online, and did the "pre-qualification". According to the website I looked at, recommended scores between 300-670 would be approved. Mine is in the low 500's, and I was declined. Sadly, customer service couldn't answer my question about why. I was told that I would receive a detailed letter explaining why within 30 days, but most likely by the end of the month or 7-10 days.

Yesterday we tried closing the account and were put on hold on and off for an hour and eventually hung up on. Now tonight I lost my card, hoping it’s just lost and not stolen, and because I’m secondary on my husbands account they won’t put a stop on it or cancel it. I have my own card and it shows on my credit karma under my social, but they won’t help me. Horrible customer service.

This card is a "stepping stone". I've had it a year. 2 credit limit increases, and my score has went up 100 points. Like any credit card, you need to use it responsibly. Dont go and instantly max it out, pay off the balance, don't bite off more than you can chew. A credit card isnt "free" money. Yes the apr and annual fee is high, but I guess thats the price to pay, for ruining my credit in my early 20's. I now have a discover it- which is my main card, but I keep my credit one open so I dont take a hit to my credit.

Credit One is the worst card I have ever had.. Out of 5 cards they are the only one I have ever had 2 late payments on.. Pay above what is supposed to be payed and still a late payment. They tell me whats due pay above then call because saying late payment then told my billing. Started 2 days later . so i payed apparenty 2 days early even though it sayed a balance was due.. Worst card save yourself time and money use Any other card oh the first late payment i was 2 hours later than on differnt time zone.. Payed day it was due and still was told it was after hours.. So run dont do it

Tjey dont care a out helping people they dont accept payments arrangment and now they are takung a m8nistwt to coury for nearly a 1000.00 and the card balance wasnt but 300.00 dont open account with cond

If I could give this card zero stars I would. They are a big scam. They changed my initial credit limit before I even used the card, did not post my initial yearly fee payment correctly, tried to bribe me with a half baked credit to my account to keep it open. When I called to demand that they close the account immediately and return my yearly fee they refused to credit my bank account for the payment I made for the yearly fee the day after it was made instead telling me I had to wait for a paper check. If I do not receive a check for the full amount I paid they will wish they never heard of me. I work for a national law firm and will go after them with the full force of the law if I have to.

I have had my cc for a few months now and have not had any problems with this company never had to deal with customer service I always pay more then the Minimum pmty and my credit line was increased from 300 to 450 being in the fair credit range

This company gave me a chance when no one else would. Its a decent company. I held the card for a year, just know that interest is charged the second you use that card. Thats how they make all the money, INSTANT interest

Complete joke!! I go to cancel the card for my husband and they say that he has to be the one to call. Ok fine. But i go make a payment on the app and it says i have to verify my bank acct to use it ok... i didnt verify and they still took the money!!!!

This is one SHADY company. I have never done business with them and had never even heard of them until they turned up on my credit reports as a charge off/collections account. I immediately disputed the line with all three credit bureaus, but somehow it came back as verified on all three reports. I got their contact information and called them. The person I talked to was not only rude but extremely unprofessional. He used profanity and called me a liar and a deadbeat. He couldn't tell me anything about my supposed account except that it was sold to a collections agency; however, there are no collections on my credit reports and never have been. This is my only negative tradeline. I tried talking to others, but they weren't much better; they just didn't use profanity. One told me that because they were sick of me calling, they were going to begin reporting me 90+ days late every month, and for two months, they actually did with Experian, which lowered my score. I don't know how I got mixed up with this crooked operation. I really don't believe that there was any kind of fraud or identity theft involved, and if there were anything legitimate about it, there would be an accompanying collection on my credit reports. I have disputed several more times, and every time, it's supposedly verified. The only hope of getting it cleared up is that it will age off in February of 2020. I can't speak to how good Credit One's products are because I've never had any, but going by my experience with them, I'd suggest avoiding them completely. No legitimate company would conduct itself the way Credit One has.

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!

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.

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.

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.

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.

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.

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.....

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

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.

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!

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!!!

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!

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.

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.

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!!

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.

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!!

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.