Credit One Bank

I have a credit one bank card and they helped me regain my credit score! I will tell you they get the problem solved real fast! And they are very understanding.

Excellent card to help people with no credit or bad credit build or rebuild your credit. As long as you keep paying on time. after 6 months they constantly give you a high credit increase. This credit helped me to buy my own single family home. I will refer this card to anyone Sabrina Huff

This is a great credit card, they gave me a chance and gave me credit even though my credit rating wasn't the best. Just make sure you are setting up auto pay and paying your minimum payment until auto pay gets properly implemented with Credit One... They truly are good credit card company for those of us who really need them.

I called this company for assistance during the pandemic I was told they could not help me. They couldn't even lower the monthly payment or reduce interest rate. I have been a loyal customer for years pay on time every month and still they would not assist me. I thought during the covid pandemic companies were supposed to work with you. They refused.

I received my credit card a week ago. I noticed a $75 charge to my account immediately, so I called the automated customer service number. I did not punch in any numbers, stayed on the line and in less than a minute I was talking to a rep. Credit one bills their annual fee up front. No problem. You should check your credit card balance at least once a week, regardless if you use it. BE PROACTIVE! I look forwards to doing more business with them in the future.

This company is a fraudulent business they will take money out your account without authorization from there customer also they will lie hit your credit score very hard I spoke with 7 Reps Manager Supervisor as well to remove fees they are not a good company to build your credit with also they are not very professional or customer service friendly at don't not I repeat don't get a credit card with this company I would never send anyone to there company to build credit they Scamming & Fraudulent as well

I felt uncomfortable applying but I thought I would try. I pay my bill through my bank because I’ve attempted to many times to pay through them also by calling and unable to talk to anyone and then they charge me a late fee and destroy my credit. The system and service is destructive setting people up for failure. I pay the minimum because I don’t trust this company. I will pay them off and close my account. They stressed me out so badly am I will never refer my worse enemy and I don’t even have any. Degrading

Wow I don't know how to express how much this company has impacted my life! My husband and I have had several accounts with Credit One since 2018 and we have been extremely happy customers. We have both been able to transform our credit from poor to excellent and build our credit profiles. We are even now building a new home for our family, something I would never had imagined I would ever be able to do 5 years ago! The employees at credit one are extremely enjoyable to deal with, this is the one of the few banks that seems to be looking to improve our personal lives instead of their p&l. If you're looking to build your credit or have an established portfolio, I recommend having an account with Credit One! Thank you for all you do for us and I look forward to continuing our relationship!

I had to update my address after getting a new number that was not on file with Credit One, the gentleman that helped me was very fast and professional. He allowed me to identify my account (because I had previously lost my card) using my social security number, and then verify my identity with my personal email address on file as I have a new number, when going through a similar process with Capital One my account was locked due to suspected fraud and because my i.d. wouldn't scan (they never gave me an option to use my social security number) I have to wait 7-10 days for a department that is impossible to contact directly to call me, it has been more than 10 days and Capital One has not called me, and my account is still locked. I thought Credit One would have been a "knockoff" of Capital One, but they are much easier to work with.

I know afinancial-tech expert who can help you repair your credit and clear your derogatory reports, I want to thank Elitecreditandinvestment at GmaiL dot Com for helping me with my credit profile, You can get in touch with him and tell him I referred You, I did not have a good credit profile, I used to have a 540 score on TransUnion and no credit on Equifax, I had negative profile on the 3 bureaus, I needed to get a loan to start my business, I could not get a good loan because of my bad credit profile. God was so good to me, I later met with a credit bureau specialist and instructor, who created a credit profile for me with no negative blemishs, added good tradelines, and now my business is booming because of him, he increased my credit by over 250 points. Now I'm scoring 790 all thanks to the expertise from Elite Credit *** write directly to thegmail addr to get relative credit assistance. I bet you it was worthwhile for me

Hurricane Relief Efforts and the Right Thing to Do. I have a Credit One Amex and another Credit Card which were paid for October. Due to an emergency, I was forced to use my Amex on 10/18/2022 for my son's glasses, 'I could have used a $500 increase', but that isn't what this review is about. I checked my mail and found a letter from Credit One Bank. I was amazed beyond belief, when the letter offered payment deferrals for October to those of us affected by the hurricane. In my opinion, 'Credit One is setting a prime example for the industry'. Although I don't have issues paying my bill, 'some people around us were hit hard by the storm'. Some lost everything. Credit cards are not bank accounts and should only be used for emergencies, 'but a bank that puts personal understanding above profit', 'will always get my business'. I just wanted to mention this outstanding gesture and tell others about the selfless act from a national banking institution. How selfless and understanding.

My wife and I have credit one cards and they have been nothing short of wonderful to us I actually got a higher credit limit than she did but non the less we have their app and making payments are easy and yes they charge $4.95 if you want your available credit instantly or you can use your saved bank account but the instant way is much better. I have read some bad reviews on this company but thankfully we have nothing bad to say about them. My wife unfortunately bought something from what we later found out was a scam and we called credit one about it. Wasn't long they returned her full purchase amount back to her credit card. With the wonderful way they have treated us, I would refer them to a friend. By the way when you first apply and if your approved you will have a little wait time and yes they do charge an annual fee which they will take off your credit before you receive it but to me it's better than having to pay it later because since they do this once your card arrives you can activate it and start using it right away.

I want to give credit one five stars because of an employee that helped me with my account. Her name is BRY she is the customer service representative supervisor that I requested to be transferred to. She went above and beyond to make my whole year. I recently lost my job and am in a huge hardship, currently looking for a job trying to get current on all of my cards and get them up to good standings. I was over my credit limit on my card she was able to wave two late fees and also give me a $10 credit to where I am no longer over my limit I actually have $5 available. BRY, you have no idea how happy you just made me, you made my entire year! This world needs more people like BRY. She was super empathetic and genuine towards me she has been in my shoes before so she really related to what I'm going through. Credit One, you have an amazing employee/supervisor on your hands. Thank you so much BRY :) :) I was waiting to get transferred over to rate my experience once I got off the phone with her but it got disconnected so here I am showing my appreciation on here. :)

If you call their "customer service" phone number you will get connected with a pool of people who speak the English language VERY poorly, if at all. They introduce themselves with American-sounding names but I think they are all in India. They will not connect you to someone who can speak clearly, but they will run you around their office, to more incomprehensible people, until you are ready to reach through the phone and strangle someone. YOU WILL RECEIVE ABSOLUTELY NO HELP BY CALLING THEIR HELP NUMBER. You have been warned.

For a credit card app, the Credit One card management app is very impressive! I love that the user interface is so modern, uncluttered and easy to use. Everything you need to know is on the home screen. First time setup for credit card payment is a breeze, easily allowing you to enter your payment account information. Setting up the auto-pay feature is very easy to do as well (which I highly recommend so you don’t forget to make payments on time!). Overall, the entire user interface is very nice looking, which is a welcome feature considering other credit card management apps are so archaic, clumsy, disorganized and just plain hard setup and use. The app will allow you to setup first time online account access, I believe, judging from the choices it offers you when you first launch the app. I set up my online account on the web when I first received my credit card in order to actually activate the card itself, which I think is genius! You’re REQUIRED to set up online account access to ACTIVATE your credit card, which adds SECURITY and peace of mind! Most credit cards ask you to just call a toll free number and verify some information which can be obtained by identity thieves. If your card is stolen from your mailbox, this can be a risk. However, Credit One makes it much more difficult to even activate the card without online account access, which is protected by 2 factor authorization to begin with. I hope this detailed review helps! I’m NOT an EMPLOYEE of Credit One and I’m NOT RECEIVING COMPENSATION or INCENTIVES by Credit One. This review is voluntary and written to help anyone needing more information about the Card management app. Thank you.

Just a lil bit ago I left a one star review because couldn’t login no matter how many times I reset password got one time codes etc etc … and there is no option to speak to a live person on automated phone system that also doesnt have options to help with login issues .I Went onto Facebook as a sort of last resort and found a lot of people having same issues . Under one persons comment another person gave a solution that worked for me . After entering your info during the automated phone call , don’t select any of the worthless options for this issue . Just keep hitting zero ( zero isn’t an option from recording) and eventually a live agent gets on the call . She was able to tell me my account got locked out for 24-48 hrs & I should be able to login or reset my password again after that time period . She also was able to schedule my payment , my original reason for trying to login to my account . I gave three stars ( which I feel is generous considering ) cause there was no explanation that my account was frozen for 24-48 hrs on the app ( or on the website where I could not login either) which seems fairly important information for a account holder to have . And I needed to find a work around from a Facebook commenter to get a live person on the phone , not from credit one themselves …. So yeah 3 stars is very generous imo . This is the first time this has happened to me after having used the app for quite awhile ( recent new account and one from years back I also used the app for)…. So I’m hopeful this is a new glitch that they’ll have it worked out soon … I mean when a company is online with no real live contact they need to make your account accessible online no matter what !

Edit: Chat feature does not work, and there are no options to speak to a human. If you call the automated system and just keep pressing 0 eventually you will get a human. I have a hotel credit card hold that is three weeks old; I have spoken to the hotel general manager and he assures me everything is correct on his end and that the hold should have been relegated weeks ago. Credit One phone support has not been able to take the pending charge off my card, and they hung up on me and never called back.

I got a wander card about a month ago because I travel a lot for work and needed a good reward points card. My plan was to use the card for all of my travel and just pay off for the card every week or so, but I have a big complaint. Payments take a solid week to reflect on your statement through the app, and unfortunately it seems you can only make 4 payments in a pay period before they won’t allow you to make any more payments. When I check the “recent payments” section on the app, no payments are reflected, and I made my first (of 4) payments 17 days ago. Now, because of multiple business trips, my card is nearly maxed out and I am unable to make a payment because the app won’t allow me to. I literally have to cash to pay off my card fully and don’t purchase anything on the card that I can’t pay cash for, but now I’m guessing I’ll be charged interest on charges that I would otherwise have already paid off. So this means not only will I be charged interest despite the fact that I want to pay my card off, but I can’t make any additional charges for hotels and such which would earn me more reward points. The app does not indicate when I am able to make another payment. Extremely frustrating.

For all the 4 and 5 star reviews.. first of all, this company accepts you when no one else does for a reason, they know exactly what they are doing.. hence why customer service is a pain and you pay fees for EVERYTHING. But, only the developers read this app so let me stay on track.. bank account verification is necessary, blah blah blah.. but who knew that god forbid you decide you want to start making payments with another bank account (but still have the old one on hand) you can’t use the old one until the new one has been verified. So then that forces you to have to pay by debit card which… drumroll please! Costs a whopping 8 bucks… they know exactly what they are doing, they want nothing but your money and will create all sorts of roadblocks to force you to give it to them.. now would that payment with my old bank account have worked had I went to the website rather than the app? I will never know, because I needed to reset my password and that wouldn’t work either.. kept getting a server error message.. & stupidly enough, the only way you can change your password in the app is by providing your old password, as if a social security # and all the credit card info isn’t enough.. um hello, most of us use Face ID and passcodes to get into our apps, we don’t all have our passwords on hand.. things have been tough but next month I’m paying off my balance and never looking back, save yourself and get a secured credit card if you want to raise your credit score, you will only end up paying more in the long run.. especially with the annual fee and high interest. If you have extra money and just need a higher score, knock yourself out then, b/c you can obviously afford a credit one card ‍♀️

I attempted to purchase new tires prior to a car trip. The app stated that my previous payment would post and funds would be available on the date I had scheduled for the new tires. Nope. That info was incorrect, so my card was declined. I called their “customer service” phone number. The automated system said that the funds would be available on a different date now.

Fast forward to my trip and checking into the hotel. I attempted to pay with my Credit One card, since I was told the declined tire charge would fall off. It was declined again , so I had to use another card to pay for the hotel. I called the “customer service” number again and manage to reach a human who is not in my country. They could not help me, so I asked to talk to a supervisor. I’m told they don’t have supervision, yet this person can’t help me. The human assured me the declined charges would now fall off at a later date. Thankfully, I had other cards available to cover me.

Fast forward to the new date that all the declined charges would fall off. I call again and manage to get a human again. Of course they couldn’t help me either, so I refused to hang up until I was transferred to someone who can actually help me. Somehow, this time, a supervisor was magically available. They assured me that the declined charges were set to fall off 3 days from then — we’ll see how that goes, but I refuse to use this card again.

I did attempt to use their chatbot on the app, and it too is useless. You can’t actually chat with anyone. It only gives options, and the options are limited, so you have to call. The “customer service” is truly awful. There are companies out there that don’t seem like being stuck in an awful relationship.
Do yourself a favor, and know there are other fish in the sea!

My husband (soon to be ex) signed me
up for this card. The fees are outrageous. I’m charged interest monthly. There is always an additional fee even when I make a payment. Making a payment is also a nightmare because you can’t do autopay. Also contacting corporate is also another issue if you have problems with customer service.

If you are a military family and wanting to exercise SCRA, customer service is useless because they aren’t American and have no knowledge of federal laws. What an experience trying to explain it to someone in Thailand or India! To their credit they tried hard to understand. Their work ethic is by the book so they don't negotiate or reduce fees and if they weren’t made aware it’s like it doesn’t exist! I have no issue with them and totally understand it’s a different culture. They aren’t American and can’t be faulted for lack of knowledge. Take a dollar off? Adjust fees, no way! Only one time I got fees fairly and rightfully adjusted by a Latina woman.

Maybe customer service opened a call center in the USA but to my knowledge one doesn’t exist and that saddens me.

When my husband went active duty I tried to get an American contact for military customers and customer service provided me with a phone number that lead back to customer service. Again I did a background check on the company and found a contact. I have Public Relations & Journalism training so I know how to find people. Credit One top brass exists in the state of Nevada. I do apologize for my hysteria Sirs. I was stressed to my core with a second deployment to Afghanistan within a year of my husband’s return from Iraq.

With this all said, the APP is fine, works well and operated easily with the iPhone X. Cool design, easy access to account(s) and making payments

On July 13th, I filed a dispute for $90 against this app called Blitz. I'd downloaded it to play games for money, but it turned out to be totally misleading with false advertising. So, on August 6th, they refunded me $5, but denied the other $85. I wasn't happy with that, so I asked Credit One to resubmit the dispute. This time, I even provided proof that Blitz has a huge pending lawsuit against them for the exact same reasons I'm disputing my charges. Credit One rep told me I'd get another provisional credit while they looked into it again. It's been weeks, and I still haven't seen a dime of that credit they promised. I've tried calling them, but I just get the runaround. It's like they're hoping I'll just give up and go away. But I'm not backing down. I want that provisional credit they promised me, and I want some answers about why this is taking so long.

Spoke to 3 Representatives on 2-14-21 and was told my account was suspended. Just got off the phone w/*** who said my account was closed on 2-10-21. I had been having logging on to my account via the App and website. So I called on 2-14-21, I was told my account had been suspended due to an "unauthorized transaction" from Wells Fargo a.k.a. *** - I didn't understand how I was not given a call, email, or just anything in regards to my actual account being suspended. 1st Rep was Jessie ID was pleasant) it was him who enlightened me to this event that took place. Stated that they ran the charge on 2-6-21 and it came back as an unauthorized charge on 2-9-21, which is when they suspended the account. I mentioned that I was not made aware of this happening, no one called, nothing in the mail or email. How do you guys alert your customers? Because if I didn't call I would have no idea. He or one of the other representatives; Abraham ID #XXXXX or Stella ID #XXXXX, told me that it takes 5 to 7 or 7 to 10 business days for the letter to reach me. I then asked so why am I not, as the customer, given at least that much time to receive, be able to read and follow up before all this happens? All of them stated that it is the company's policy. So towards the end of this hopeless call, my main question was ok fine - can I, without reopening the account (since I was repeatedly told by every last one of them it is not a guarantee that your account will be taken out of suspension) call in and make payments with my debit card, Jessie and Abraham BOTH told me yes you can call them in. While speaking with Stella, I asked the same question and was told basically that's a no because the account is coming back as unauthorized - she basically didn't understand my question nor was Abraham, which is why I was transferred to her also because he was rude. I decided to slowly ask again, NOT using the account involved w/the alleged unauthorized transaction, will I be able to call in the payment using my debit card? She danced around it, kept talking about the unauthorized transaction - At that point, I was losing it and she finally said yes you can call it in but your account can still be closed at any point - So I asked the fact that I'm asking and obviously trying to set up some kind of payment arrangement in order not to get a charge off on my credit - in the midst of all this I can still hang up right now and wake up in the morning my account could still be closed after this conversation? She said yes. So I asked how is that a policy? You suspends someone's account - no notification! But not to worry a letter should reach the customer in 5 to 10 business days-after it has already been suspended. On top of that, at any point after that day of suspension, your account can be closed as well. How is that a policy? There's nothing told to the customer, by the time they would even receive the letter (WHICH I STILL HAVEN'T on 2-17-21) there is a POLICY that you guys can just close the account. Stella gave me the email: ***@creditone.com & Fax #XXX-XXX-XXXX and said that I can send the Bank Verification letter to any one of those. Now tonight on [protected] days later) after speaking with *** they stated that they don't see any unauthorized transactions, charges or basically nothing in regards to CreditOne on my account. That prompted me to call CreditOne in order to receive some type documentation in order to provide to *** in order to sort this whole thing out. After verifying my information, I explained that I need some type of documentation to present to *** because they are not seeing in regards to CreditOne - the young man said this account is closed. I won't lie, I was livid! I asked what do you mean closed? I just talk to someone about making payments and now my account is closed? He said yes. I said I need to talk to someone because I just spoke to them 3 days ago and now it's closed?! He was sympathetic and transferred me to *** #*** (notice the difference in ID #'s) she said your Account was closed on 2-10-21. I never had a chance because it was already closed.

This is what I found out since august 2022. I had no idea they were doing this until I saw where I miss payments. I know I did not miss anything. So what they were doing, because I have to credit cards from them and I have to pay them separately (they told me where I asked) so I would pay them with two different money orders, with each credit card number. They then would cash the money orders apply the money to one credit card and charge me a late fee, ($30.00) plus the * for not paying my * that month. I spoke to them about it. They said they did not get a payment for that month. I call the money order company and guess what... They cashed it. When I confronted them about it they said I was putting the same account number on the money orders so they added the money to that count... That was not true and I proved it. I have downloaded that money order to you. Then they tried to do it 2 or 3 more times! With to more of mine. I caught them at it. Isn't this illegal? I told them even though they adjusted it I was going to go to bbb about this kind of *ing. I have not had a chance to go all the way back to their *ing to see how many times they have done this! I did get a * they said I signed up for paper list *ing.. No I didn't unless I don't remember. I never do that, for anything! When they are taking $8.+ plus $8.+ dollars on my * they call it the annual fee the $8.+. They have corrected this matter because I caught them. I have downloaded one of the money orders they claim I put the same account number on and this is not the * time they did this. I am going all the way back to when I first sighed on with them and check. When I didn't get a * I informed them that I was going to send a payment anyway and I would try to judge the correct payment because I didn't get a *. They said nothing, so I did, I have never been late or missed a payment! Is this how a credit card company is supposed to conduct business? Please check up on them. — 11/1/22 consumer filed another complaint:
August 2022, sept 2022, oct 2022 there are probable more but I haven't got to the back *ing I am complaining about
*desired resolution:
Explanation of charges — 11/8/22 consumer filed another complaint:
I am complaining because I filed a complaint in regards to this bank before and I have not heard a word regarding the company. I have sent you documents and everything and they claim they have fixed the problem and they have not done anything. I they are messing around with my account and money. I proved to them that they cashed the money order I sent you. Now please do something about this.
*desired resolution:
Compensation! Check credit report!; billing adjustment — 12/10/22 consumer filed another complaint:
Nov thr dec. I have filed a complaint several times against this company. I don't know if you still have it. There is something wrong with these people and they should be invested, along with the thousands of compliant about them why haven't they been? I was paying on time and not having problems with myself. Then all of a sudden they decide to put my payment on the wrong account and then give me late fees. The late fees were unjust and then credited, but they should not have been there anyway. I have already sent you the money order receipts and a copy of their bill. They were supposed to put the $25.00 back into my account that it was supposed to go to. They took that money order and put it on the wrong account and then charged me a late fee. I called their attention to it, proved it and they have still have not done that, it been a month and every time I call on this matter they act like they never heard this complaint before, and they are going to fix it right now. I have heard that 5 times in the last month and it hasn't been changed yet. Still a late fee and a * payment due with a comment that it is late. It is not late, payment is not due till 12/21/2022. When my $25.00 payment is adjusted to the right account it will be on time and I have just sent that dec. Payment today. Of $35.00. They are trying to hold on so they can charge another late fee, stating that it takes 7 to 10 days to adjust, well they have been fixing the problem the whole 5 times they have told me they will fix it right then, for the whole month. I have tried to cooperate with them and I didn't do this. They have lied and played games and the only thing has done is add more fees I can't take it anymore. I am not well this is been a hardship for me. I have sent I have told them that! I have sent you the prove once if you need it again please let me know. I will sign anything that you need to investigate. Tried to cooperate but it's not doing any good. Also, my other account ends in 9866.
*desired resolution:
Explanation of c

They randomly charged my account $16 that is not on my transaction history and this put me over my credit limit of $500. I went from positive $1.87 to negative $515.04. My payment was already made for the month and didn't use my card for 2 weeks an suddenly I get a notification Im negative. I can't find the charge on my transaction history and there's no subscriptions or anything. I only use the card for gas. I try to call every number possible. ALL PHONE NUMBERS ARE DISCONNECTED AN CAN'T REACH ANYONE!

We had an account with Credit one in 2002 that was part of a bankruptcy in 2004. In WI law after 10 years credit card

Debts are uncollectable, but they illegally placed the debt with a collector put a lien on our home without notification and more even though it had been over 10 years, no court notices, nothing. Now they want 1200 when original was less than 400. Filed a complaint with state of WI financial affairs and they wrote them. The company wrote back a bunch of false lies and the debts not been removed.

Complaint Board, you say this company has 91% trustworthiness. Who calculated those numbers, my 2nd grader? Oh, please! They do not have 7 #s available and 2 email addresses! I have been trying to get contact info to send in my husband's military orders so they can comply with SCRA. They don't want to be reached. Just like another person complained about... they don't want any paper trails. It is now 2024. What companies don't have readily available email addresses, fax numbers... ect, ect. Saying they suck would be giving them to much credit.

Someone stole my credit card information to sign up for a gym membership, total of $259.00, I filed a dispute and after 3 days and got an email stating that the investigation did not fall on my favor, what kind of investigation takes 3 days. I been calling the bank because my card is over the limit because they charge back the temporally credit, but there is no one that will take my call serious, they hang up the phone on me, they keep transferring me to someone else, I spend hours trying to solve this and no one will help me, my credit will get ruined.

I have tried numerous times for over a month to call your customer service number on the back of my card and other numbers listed on your website, all with the same result...a busy signal. There is no email address listed on your website or on the card or on your billing statements. How does your customer actually reach you for any reason, including to report a lost or stolen card?

today's date after numerous attempts again is Dec. 4, 2023.

I have tried all day to get a customer service rep and have dialed every number on their website and have gotten a busy signal every time. So far, I have tried 35 calls and every time I get a busy signal. I have a credit card account and want to cancel it, but no one helps me, and you CANNOT cancel it online, have to call or use snail mail. Terrible customer service!

I've got a credit one bank credit card and they charges me $75 dollars that I have never used the card and now my bill is $105 dollars that I have never used the card. I did call the costumer service number that on the website but you cany talk to a person. I don't know what to do because it ruin my credit score because I was delayed on payments that I have never use the money

They only accept ACH payments per their reps. I tried for several months to get help from them to pay my CC then I just gave up. . Every time I entered my bank info all I got was an error, so I went to my bank to confirm and get help. The bank rep got the same error entering the routing and acct number. I called Credit One several times to be sent to the IT dept who never answered the phone or returned calls, not I am in collections for trying to pay with fees etc.. this is so wrong that a company can do this to people and not have any recourse.

Credit one bank, is a horrible company, that I regret I even signed up with. Due to their ungodly harassments and made up bills that they accuse you of not paying is real.

I know they will not but I wish they fall off the earth and burn

Doing the months of Jan/Feb/March I told this company I had been medically ill and that I needed to cancel my card. They refuse to listen and just kept calling every single day 7 days a week. All kinds of time they called and even woke me up on a Sunday morning. They do not care what you tell them, they will just keep on calling ...I have been too occupied in my healing process to much to go through the stress they put you through.

This is the second time that I know of when I made a payment one day late I'm charged with a $30 late fee, this is unacceptable! I want to cancel both cards I have with Credit one but contacting a real person to do this is impossible, which is also unacceptable. If someone asked me to give the definition of a predatory lender I'd have to say Credit one and describe what I've said above.

The last four on my CC's are 9995 and 4223. If more information is needed you have my phone number and e-mail address.

RUN! This company handles business VERY shady. I attempted to set up a payment method after receiving my card. I decided to do that because I knew there’s no way in hell I was going to pay a Rep $4.95 for taking my payment over the phone. I finally used the card after about six weeks. I wanted to make the payment and since I thought I had set up the payment method, I paid. I didn’t not realize that the attempt failed. I tried again and it failed again. I tried a third time and yes, it failed. I realized that it was the payment method, made the correction, and FINALLY made the payment. I have made payments every other week since then. That didn’t matter because Credit One closed the card because I had three return payments. I was return payments.

I spent several hours on the phone with customer service trying to resolve my card not not working and being blocked from making purchases after trying unsuccessfully to send money with Paypal for a family emergency. After almost 4 exhausting hours I spoke to a manager named "Kay". Not only did she not solve my issue she was also very condescending, argumentative and belittling. These idiots are poorly trained but they will argue you to death and put all the blame on you. I have since cut my card in half. Don't use this company. They are one of the worst.

I regret ever having to accept their credit card. They have a predatory banking culture. They charge me every month when for a period of more than three months I have not used their card. Their mission is to exploit, take advantage and get harvest where they have not sown. I will be sending my statements the banking committee of in the senate so that they know what customers are going through.