Complaint Rating:

As someone stated before me, I got a pre approved limit of $200.00, and after the activation fee it was only about a hundred something left on the card but I didn't mind because I got this solely for emergency use only as I have an Orchard bank credit card and they are fine by me. So I activated the card about January or February so I hadn't had i very long. The first thing I didn't like is that if you make any other form of payment other than through the mail they charge you to pay your own bill and guess where they put the charge? On your credit account of course. To pay by debit is $10.00, to pay by bank charge is $7.00, I made my first two payments with bank draft because I didn't want to be late but after that I started sending checks, which I hate doing with card companies because they will try to hold the payment sometimes to make it look like you owe a late fee. Anywho, aside from the astronomical interest rate of 23.99% I ran into problems with this card when I made a payment and the bank accidently gave me the wrong routing number. So, when I realized what happened I immediately sent a check (on time) and was told my account was suspended until I got Bank verification in the form of the letter on a bank letterhead. FINE... So I went after school one day, down to my bank to simply get account verification in form of a letter, blah, blah, blah. They connect me to someone on the phone and Im told it will cost me about $15.00, which Im not going to do because I didn't do anything wrong. I told credit one, so I decided to print on my online statement and fax it to them, they didn't accept that but didn't even let me know they received my fax. When I called to ask if they received my fax they couldn't give me an answer she said she might not know for about a week. So then I'm thinking well why the hell even send a fax? When I called to follow up they told me they received it but it wasn't the proper document, I told them the trouble my bank gave me and they still wouldn't budge. I even continued to pay them when i couldn't even use my account, they had no problem cashing in my checks though. Not to mention their service reps are very callous and nonchalant. If your looking for a card to rebuild your credit or to begin a credit history try orchard Bank, the service reps can be annoying always trying to get u to sign up for something, but they are very nice and reasonable and don't charge an arm and a leg to pay your own damn bill. Credit One Bank would rather close your account than be reasonable and work with you, so I ended up closing it last month and I was glad to do so, I initially didn't want to because my credit score will take a hit but it shouldn't be too bad since I didn't have the account but 5 minutes. I would rather do that than deal with them ever again. So PLEASE head my warning, save yourself the time and money. If you get an offer from Credit One Bank RUN LIKE HELL. I wish there were more reviews out before I fell in their trap.