Whatever you do, do not open an account with them!
First of all they charge you for using their card, and its not one time fee thing, it’s about $ 5.00 every month. Then they charge you for paying your bill on line $7.00 dollars to be exact. First of all its 2008 EVERYONE pays their bills on line, apparently not this one though! Then they charge you about $5.00 for cash in advance, which I don’t ever use.
After I started paying close attention to my charges I realized I pay about $17.00 dollars a month for no apparent reason, $17.00 x 12 months is about $204.00 dollars a year. And just last week, they pulled this one on me: they charged me $37.00 because “my bank said that I have insufficient funds to approve my payment which was $20.00” I was stunned because I had more than enough funds to cover that payment. So I contacted Credit One again, and they told me just fax your bank statement and we’ll take care of it, our apologies! Two days ago I received a letter from their Customer Service stating that they are not going to take that charge off. At that point I said that I had enough with them. I’m going to report this credit card company to Better Business Bureau and Comptroller of the Currency.