Credit One Bank Reviews

I applied for credit card at the end of February. It’s been over two months and I have just now received my card. When I log on to my mobile app they charge me late fees as well as a $20 charge to ship my card to me. I call customer service, and they are now having to reset my account, which I was told will take up to 10 days at this point it’s been almost 3 months and I still can’t use my card.

If I could give them less than 1 star, I would. This company is a complete scam. I had this card for only 2 months. They are a bunch of foreigners preying on you and your money. Once I paid off their initial fees they took my payment for April on April 17 then charged me a late fee in the 18th then closed my account on the 19th. My account is current. When I ask them to reinstate my account that is current they said that they couldn’t and said to re-apply. Which would mean paying those same fees all over again just for them to close it again. Never again. Just stay away!!

Credit One Bank is a scam. They are a disreputable company with deceptive practices. There are 3,300 negative reviews for them on this site alone. Why are they allowed to continue operating? After 6 months of dealing with them I paid off the account including a $300 charge that was never authorized that they refused to remove.

Imagine somehow in the hyper-connected world we live in today that there is this Credit Card where there is no Chat service, no messaging in the app, and no email address. There is a phone number you call and suddenly you go from your quiet house to one of loudest call centers in New Delhi and while the person you're talking to talking in the thickest hard to understand accent you’ve ever heard. And don’t forget all you cam hear is background noise of a call center that holds 1000 people that all sound the same.

The fees are fine as they are upfront about that, but the card is constantly declined purchases for being "high risk" (not a problem with anyone else) and makes it borderline useless most of the time.

They took 200.00 dollars of my money out of my account then turned my card off before I even used it. Never notified me. Never sent a letter and are still holding my money and say there’s nothing they can do even though on the app it still shows the 200.00 credit. Wondering if I should sue.

Choosing this card to rebuild my credit was a huge mistake. The monthly charge of $8 is completely ridiculous. Despite more than a year of on-time payments and above-average score, Credit One has not raised my insanely low limit and even refused to do so upon request. I hate that I am stuck with this terrible credit card. They are essentially charging me $8/month just to own this card. Oh, and they also withhold credit for more than a week after they’ve taken my money. I am actually considering canceling my card altogether if doing so didn’t hurt my score.

I have two credit cards with Credit One Bank. The information for one of my cards was stolen and whoever received that information maxed that card out. I filed a fraud claim with Credit One and they denied my claim less than a week later and have yet to give a reason why. Now I have to go through so much just to get these fraudulent charges off of my record. I have never felt more violated.

Absolutely worst credit company ever, I used my card for about a month or two then they froze my card because they thought I wasn't the owner of the account. I proceeded to try to meet their requests of providing documentation. I sent the documentation they requested, but they said the documents I sent were invalid. I tried to keep them from closing the account, but eventually they closed the account. They charge upfront for the year service fee, they are trying to charge me for the 'year of service's and they keep jacking up the balance I owe. I absolutely refuse to pay this, I do not care how it affects my credit, I am not giving another dollar to a scummy company such as this.

I applied about a month ago and I still can't use the card. First they told me that the card was activated and I wouldn't have any problems, so I used it once. The next time it was declined and when I called I was told that I needed to provide an ID and bill doc for verification and that my first time use was an error of the system. I complied and a week passed without been able to use it. I called and I was told that they needed 10 business days for verification while they are already charging the monthly fee. I called again at the specified date and now they said that I have to provide another bill doc. I questioned why I wasn't notified and they had no answer. Worse yet, that I will have to wait another 7 days. It's unacceptable because when they come after you to pay them they can easily affect your credit.