Credit One Bank is a financial services company specializing in credit cards for people with bad credit or better. Here are some key things to know about Credit One Bank:
Offers credit cards and certificates of deposit (CDs)
Credit card pre-qualification available
Bad credit considered
3.3/5 average rating among WalletHub users
A- BBB rating
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Credit One Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/21/2026.
3.3
18,102 reviews
from WalletHub and across the web
18,102 reviews from WalletHub and across the web
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Credit One Bank
peter_campy_accts @peter_campy_accts
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1 Star Rating
I opened an account with them to make a large purchase and pay for it in a few months.
I was able to pay it off sooner, and made a payment in full a month later. They received my payment and posted it to my account.
BUT, they put a hold on my account because they wanted a copy of my bank statement to verify the payment was made. I could understand them putting a HOLD until the payment cleared (the payment was an online payment directly from my bank account). But two months later, they still did not release it because I had not verified the payment.
I have NEVER heard of a credit card company wanting your personal checking account information to verify a payment that was made. In this day and age when there is so much identity theft, the idea of giving out your personal banking information out because it is their POLICY is incomprehensible.
I would give them ZERO STARS if I could, and am urging everyone in the WORLD to never use them or their services.
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Product: Credit One Bank Credit Cards
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Credit One Bank
chefbiondi @chefbiondi
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1 Star Rating
The biggest problem with Credit One is the lack of customer support and concern for their customers. I recently experienced fraud on my card, and the fraud department did absolutely nothing to help, even though I provided proof that the purchase was not made by me.
On top of that, customer service appears to be outsourced and unable to actually resolve issues or assist customers when real problems arise. Very frustrating experience and disappointing support from a credit card company.
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Credit One Bank
Tatiana zhuravlova @zhtv1970
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1 Star Rating
Credit One Bank was one of the worst credit card experiences I’ve ever had.
They advertise attractive terms and bonuses, but once you open the card, the problems begin immediately. I could not properly register my account online, and they never sent statements — not by mail and not online either. The only way to know the balance was to call them.
Because of this mess, a payment became overdue. I closed the card after only one month because I did not want to deal with these games anymore. The account was officially closed on March 23, and I have proof of the closure.
Then, about six weeks later, the harassment started. I began receiving up to 17 calls a day from different phone numbers demanding payment for a “new statement” with added late penalties. The calls often do not even ring — they just appear as missed calls on my phone all day long.
This feels more like harassment than customer service. A closed account should not turn into nonstop spam calls from random numbers. Extremely stressful and unprofessional experience. I would never recommend this company to anyone.
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Credit One Bank
Angela Reeves @angelalareau
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1 Star Rating
Poor customer service. Talks over u while ur trying to talk. Put a hold on ur account for no reason. Ive called about 8xs a day to ask y theres a hold & to take it off
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Credit One Bank
Glenn Welt @g_w
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1 Star Rating
IMHO, WORST bank or credit union on Planet Earth because no way to reach any human via phone, email, chat.
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Credit One Bank
Angel Lane @angell_57
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5 Star Rating
Helps build credit !!
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Credit One Bank
rogbabii68 @rogbabii68
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1 Star Rating
The worst I've ever dealt with bad customer service take out annual fees monthly I ended up closing both accounts after 7 years because I was being ripped off then they didn't even have my correct birthday but still charging me monthly.wanted me to send id to talk to me one account correct and the other was wrong . So why couldn't they just get the info from the correct account ?
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Credit One Bank
Marion D @yohinus
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3 Star Rating
Great for rebuilding your credit but there's just too many annual fees
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Credit One Bank
Bryan wynn @bryanwynn41
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5 Star Rating
Verified Customer
Credit one has been so reliable. A fair credit reporting account
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Credit One Bank
sharlene Dalton @shardalton35
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5 Star Rating
What do you guys expect when your trying to build your poor credit? Of course its gonna be high interest rates. I had no issues with customer service and I love this card.it was easy to set up
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Credit One Bank
Heather @hburgess0219
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1 Star Rating
Verified Customer
Applying was confusing, signed up for things that I didn’t plan to.
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Credit One Bank
ben ms @benschnapf
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1 Star Rating
Unreasonable fees
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Credit One Bank
Name Last @User2026
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1 Star Rating
Dealing with customer service at this credit card company was beyond frustrating. I called to dispute a posted transaction—something that should have taken 5 minutes—and ended up stuck on a 20-minute call with zero resolution. I was told I couldn’t file a dispute until the charge was “posted,” even though it was already posted on my account. After repeating this multiple times, I was then told it had to be “posted on their end,” with no clear explanation of what that actually means or how long it takes. The lack of clear communication made the situation even worse and dragged the call out unnecessarily. At the end of it all, nothing was resolved, and I was told I’d have to call back and start the process over again. If everything goes smoothly, you probably won’t notice. But if you ever have an issue, be prepared for delays, confusion, and a lot more time spent than it should take for a basic request.
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Credit One Bank
jeffaugustin9 @jeffaugustin9
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1 Star Rating
Verified Customer
False approval advertisement to make people get the card I was approved for 2k once I submitted my application I got $300 credit limit and there was $75 annual fee deducted from my small credit limit without even received my card yet I will close the account not worth it.
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Credit One Bank
Anezthy @tmirles
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3 Star Rating
Verified Customer
Though to get a credit limit increase. Several years with them. Started with them with a 640 low credit score. Now at 745 and still no limit increase plus fees. They went bye-bye
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WalletHub Awards
Credit One Bank has won the following WalletHub Awards:
Get answers to your questions about Credit One Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can reach Credit One customer service by calling (877) 825-3242. Customers can access account information, check their application status, report a card lost or stolen, or connect to a live customer service representative any time – 24 hours a day, 7 days a week. You can also mail inquiries to:
Credit One Bank P.O. Box 99873 Las Vegas, NV 89193 - 8873
For quicker processing, you should include the card number on any written inquiries.
To log in to your Credit One credit card account, go to Credit One's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Credit One, you'll need to enroll first and set up a username and password.
How to Log in to Your Credit One Credit Card Account
You can check your Credit One credit card application status by calling 1 (800) 752-5493. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Credit One can match you to your application. You can also check your Credit One application status online.
How to Check Your Credit One Credit Card Application Status
You can make a Credit One credit card payment online, by phone, through the Credit One mobile app, by mail or at a branch. To pay a Credit One credit card bill online, log in to your online account and click on "Pay Bill." Then, choose how much to pay, when to pay it, and where the payment is coming from. Credit One does allow cardholders to set up automatic payments, too.
To get a Credit One Bank cash advance, use a Credit One Bank credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Credit One Bank customer service at (877) 825-3242 to request one.
How to Get a Credit One Bank Cash Advance at an ATM
Call Credit One Bank customer service at (877) 825-3242 and...
To cancel a Credit One credit card, call customer service at 1 (877) 825-3242 and ask a customer service rep to cancel your card account. Cardholders can also cancel an account by mail.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if you cancel your credit card, you will forfeit any...
The biggest difference between Credit One and Capital One is that Capital One is much larger, ranking among the top 5 banks nationally and boasting more than 100 million customers across a wide range of financial products. Credit One is a much smaller company that mainly offers personal credit cards for people with below-average credit. While the two financial institutions are quite different, their similar names and logos lead many people to believe they are the same company.
It usually takes about 10 business days to get a Credit One 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. You can activate your card either online or through the Credit One mobile app. Online activation doesn't require logging in—you'll just need your card number and the...
You can find the current Credit One Bank credit card payment address listed on your monthly statement. You can also find it by visiting Credit One Bank's website or calling customer service at the number on the back of your card.
When paying Credit One Bank credit card bills by mail, be sure to submit either a check or money order for the payment amount. Credit One Bank does not accept cash.
Yes, Credit One does have pre-approval. Credit One has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Credit One cards before applying for one. Current Credit One customers may also receive pre-approved offers periodically by e-mail or when logging into their online account. And in some cases, Credit One will send people pre-approved offers for specific cards in the mail.
Getting pre-approved for a Credit One card indicates...
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by WalletHub: Credit One Bank® Platinum Visa®.
