Credit One Bank
reviews and complaints

I got approved for the credit one bank card in late April 2023. While I was waiting for it to come in the mail I called to ask if there was a virtual card number for online shopping& a few times to try to check the Arrival in the mail. The next time I called to check I was told that the account was cancelled due to being reported as stolen or fraudulent. I had no idea what they were talking about because I was still waiting for the card to arrive in the mail. The card finally came in early may but couldnt be activated because one of the customer service reps obviously messed it up for me with inaccurate info. And I can't Even access My online account because it keeps saying account temporarily suspende.

This credit card is a joke. I was charged a monthly fee for a protection plan that I NEVER signed up for. When I called to complain and get it removed the guy asked me to “prove that I did not sign up for it”? How can I prove that? Why don’t you prove to me that I did sign up for it? So incredibly ridiculous and should be against the law to scam people.

Got approved for a new Credit one card, 14 business days it never came. I spoke to a supervisor he said he would expedite my new card 3-5 business days. It never came, spoke to another supervisor. She said it would take an additional 3-5 business days. It still never came! Called today, just to find out that they sent my card to an Old address. Supervisors whole time have been lying to me giving me misinformation. Now they say I have to wait an additional 10-14 business days for my next card. This company is one of the credit card companies out, advise people stay away from this company they don’t value customers.

I called credit one bank at 10:16am. I spent 13 minutes and 22 seconds speaking to a foreign female customer service representative that never gave me her name. She then proceeded to stall me for the entire time when all I needed was a payment inadvertently made to be cancelled out of the system. She stated she changed my email address as well as cancelled the payment. Before completing the call she proceeded to hang up on me and the payment was never cancelled out. I called back at 11:03am and spoke with a foreign gentleman for 11 minutes and 37 seconds who also did not disclose his name. He proceeded to make the requested changes and updated my email the female stated she had already made.

I verified he did cancel out the payment but when I asked him for the previous reps name to file a complaint he put me on hold, came back and stated

that there was no way to confirm who I spoke with which means she did not note the account or he lied and withheld that information to protect her from accountability. I spent over 22 minutes on the phone for something that I should have been able to do online or on the app.

I have tried to cancel my card for 2 years. I've been paying a monthly fee of

$8.45 to maintain my credit score. Apparently Credit One thinks I'm deceased and requires me to mail my driver's license to Las Vegas to prove I'm still alive. If I'm dead, who keeps paying my fee? I've spent countless hours on the phone with multiple customer service agents who all reside in India and can barely speak English only to finally speak to someone in Las Vegas who told me to email the proof I am still alive so I can finally cancel my card. I want 500$ to compensate me for my time and money spent.

So this app has an easy to understand interface, it looks clean, and it’s up and running most of the time. The problem is with the policy itself. Why do we have to wait for so long for a single payment to process. I always see the “A payment has been posted to your credit card account” notification, but then the money is never taken from my account until days or sometimes weeks later! It’s confusing and honestly quite irritating. Also the customer support is non existent. If I want a faster payment I have to pay a 8 dollar “service fee” just to talk to a real person. I have no wait to contact anyone whatsoever. The only way I’ve seen is through mail, not email, but through snail mail. Really? Plus I have to pay for postage too! Just for a complaint or to right a wrong in my credit account. I’ve never seen another finance institution only communicate with its clients through snail mail. It’s 2021, come on now guys. You guys need to make it simple to communicate with your clients, and for the love of god do something about the payment wait times.

Credit One bank has their cs calls answer on the other side of the world. These people will lie in a heartbeat. I live in Las Vegas, where corporate stands… I’ve had reps tell me for the last week that corporate is closed. The most ridiculous reason being because they’ve had a high volume of calls ‍♀️ … when you ask to speak to a supervisor they give you the person never to them. Yes I do know that for a fact as I used to run a call center ‍♀️ Then when you ask to be transferred to a rep in the USA, you are put on eternal hold.

The app has had a problem for well over a week now. No it’s not my phone ( iPhone 12 Pro Max). No it’s not an internet connection and No I do not owe them money my account is TOTALLY free of any issues, at least it better be since I just paid it down to $0.00

They do not accept technical tickets from customers, ONLY from their own support team, which is again a RIDICULOUS practice. If customers telling you there is a problem isn’t enough THAT is an all together bigger problem.

So I’m going to drive to the corporate office.

a replacement card that was sent to my old address was used fraudently, that card was closed and a new card was sent to my new address which I updated online and with a rep over the phone. credit one investigated and covered the losses but till this day I have not received a call from their fraud team. tried to activate my new card and a rude female rep said that I called to cancel my newest card. I told her there must be some mistake since I had already updated my address through their website and with another rep. I told her I did put in a dispute to have the fraudulent amount removed from my credit report but was not disputing the ownership of the account. she pretty much told me that the fraud team would call and till this day they have not. now I’m locked out of my account and I can’t even pay my monthly pro rated annual feel. thanks a lot credit one, they leave me no choice but to file a complaint with the ComplaintsBoard.com and close this account. credit one does not treat their clients fairly. my identity thief is still walking free without prosecution

The app WAS working fine when I originally got my two credit cards last year. Some time after that they completely redid the app. I now get kicked off and have to log back in CONSTANTLY. Literally every time I log in. I had a payment due on Friday and became so tired of it kicking me out (5 times. 5 times the app kicked me off “due to inactivity” while trying to make this payment) went online, website told me it was down. Of course my frustration led to me saying “eff it” and today I got an email reminding me I now have two past due payments. It only kicked me off 4 times this time before I was able to complete my payment, but considering how hard I have been working on my credit score this past two years I am so not ok with this. I have canceled my cards because of the app and website issues. I DO pay my bills on time. I WANT to be able to pay my bills on time. I should be ABLE to do that in 2021 without having to call customer service or send in a check.
Everything else with the card was great. And would reconsider credit one down the road when they fix these bugs.

Trying to get my current statement and called to talk to supervisor as closing date was on 23rd I usually see it posited in my account and when I called they said it’s there I asked to email they said they can’t email statements to my email on file. I asked to send it into the app they said they can’t will take 3 days to post as I need ASAP for financial reasons.
I paid off this credit card asked for a letter to be sent which they did however the letter did not have the companies letterhead and finance company wouldn’t accept looks like a letter I could create, they said they reported payment to all credit bureau I verified and it was not reported.
If you trying to get your credit score up by using a credit card this company was good at handing out the cards however when you need important documents or to talk to someone they will not work with you as their system is not Real-time and app I’m using isn’t current.
I will stash this card in the safe and never use again but I will not close the card as it will give you negative reporting on credit.
Terrible customer service.

I was offered to upgrade my card design NOT a replacement for a small charge which I opted for WITHOUT knowing I wouldn’t be able to use my current card that I have in my possession for 7-10 business days (until I receive the card with the upgraded design). I spoke to 5 different reps and 2 managers with no help other than “these are our procedures”…Makes a whole lot of sense to update your records prior to a card even being activated or even received by a consumer. On top of wasting over an hour of my time talking to idiots who are reading from a script and can’t actually help me solve an issue. So I have a perfectly good card in hand that I can’t use for another week since they’ve updated the information on their end after JUST shipping the “upgraded design” out yesterday. Waste of time & patience. If I knew this was going to happen I never would’ve opted for the new card design. They think by telling you the same thing over and over and over that you’ll give up even though it literally doesn’t make sense why card information was updated without the new card being activated

I was very skeptical signing up for this credit card at first. I read online that they were a terrible company to deal with. But as long as you stayed up on your due date, the $10 express payment isn’t an issue. However, I’ve had a MC for over a year, and the VISA for a year and 6 months. I encountered a problem where they kept returning my CC payments and I would eventually become over on my balance (got laid off for several months so I hit a hard time on my balances). After contacting my bank, there was no attempts to withdrawal my payments. I called and they made a real good attempt to fix the problem. Waived my fees, interest, and annual payment for the month it was messed up. The next following statement they re instated all my charges! I called and asked why that happened, and the lady told me there’s nothing they can do even though the person I talked to last corrected the problem. I argued and fussed but they just wanted the money they waived back! So in the long run they screwed me over and didn’t do anything to fix it. Beware, they’re sneaky! I no longer have either of the two accounts I held with them. Not worth the problem.

This rarely updates to real time to show what I’ve spent. For the longest time it showed I had a bill for July due (July 26th) however I paid this mid July. I’d go to pay and it say minimum payment was 0. Ok, we can see I have made the payment and it hasn’t updated. At some point it showed my last purchase went through. However, apparently this wasn’t reflected on my balance summary because I log in today and am “past due” and over the limit. A. How can I be past due when the new date of payment is August 26th (FYI this is a future date?) and I’m past due when before I still had money left and my last purchases had went through. I keep up with the amount I owe, I didn’t know it’d be such a hassle to ask the company to do the same. Pretty sure some random “fees” go through to push me over my limit every time. I wish I would have looked into more credit cards instead of being young and dumb and accepting this stupid offer because the fees are ridiculous and rarely ever is the account kept up to date with how much has actually been spent and how much is still actually left on my card. Worst credit card ever. So ready to pay it off and get OUTTA credit one’s scheme path.

Okay I’m going to try to explain the problems I have with Credit One. Maybe I’m just an idiot but I’ll try to explain it the best I can. So I have an annual or monthly fee whether I use the credit card or not. That’s fine. I get it. When the fee debits from my available credit, I pay it immediately. I have it set up where I receive an email alert as soon as the fee is posted to my account. The payment is usually debited from checking account pretty quickly so all is good right. No, no, Credit One still reports that I have a balance to the credit bureaus even though my balance was paid in full immediately. This really pisses me off. Now, Credit One is making me verify my checking account every time I go to make a payment. It takes 3-5 business days before my account is verified before I can make a payment. They will not allow me to use an alternate payment method until my checking account is verified. Keep in mind, I’ve already verified my checking account and I use said account to make multiple payments. What a freaking joke. This company is a set up from the start and they will burn you every chance they get. I highly recommend you do not use this company. They are a scam. Thank you for your time.

Unlike my American Express card. This credit one apt is limited and is not on the same level as other credit card apt’s. First of all it will not show notifications on my lock screen and it is a option in my settings! Second of all if I wanted to contact customer service through my apt I can’t do that.. but my Discover apt can! So what’s the problem with creditone? Third of all their need to be a complete history of your payments on one did and it needs to indicate when something is being taken out or the credit card is being used! It want even make a sound! Yes i set up notifications in the notification section! It still don’t work?! The transaction details should notify you whenever theirs a transaction or transfer immediately! But it don’t? Why don’t y’all check check out the Discover card apt and All it’s features? Get some pointers.. drop the pride! Get up to speed on this thing! After all it your customers that’s frustrated! I’m one! Do you care? When a purchase is made their isn’t a notification to inform you that your card has been used.. and the interest rates are too high! It need to be easier to see all of your purchases.. if you want to improve your apt the study the Discover card apt! Its pretty much perfect..

My last review was last month around the same time. There was an update today, and they still have yet to fix the VoiceOver features so that visually impaired people can pay their bills without assistance. I was told last time that they would not charge me to do my payment over the phone that one time, but they would have to charge me after that. Is this credit ones new scam to get money from people? I asked myself this before I finally found somebody who would give me the one time courtesy of processing my payment because the [censored]s who came up with this app can’t seem to figure out how to turn on voice over to make sure that it works, though it’s built into their device, comes to them for free, and there’s no reason for it not to work, or for them to release any updates that don’t work with voiceover! This app is not accessible, and should be polled! Credit one should also put all accounts having to do with visually impaired people in deferral until these problems are fixed, which means no interest can be accrued. Maybe, if they start losing money, they’ll actually find somebody who has a clue to start developing their app. Until then, the developer who is running on empty as far as brain cells are concerned, should be fired.

Been with credit one for some years now (3-4) I think. But this is in regards to their app and the transactions you perform. The app, I always have to come back to it later. Every time I try to log in, app is under maintenance, not working, or I get error codes. I basically have to “try again later” when trying to see my transactions and available balance. In all my time with credit one, I’ve always hated their app. I don’t normally write reviews, don’t feel like it’s worth the trouble, but at this point! When you use your card it takes 5-7 days for the transaction to show on your statement. This also includes the update of available credit. Payments take 5-7 business days to process. I did an express payment since I had to get a rental. It took 2 days for the balance to update. When I called and asked why make people pay and say you will update balance immediately if that is not the case, I was told the rental company had my money. And until they refunded me they would update my balance. I hadn’t swiped my card at the car rental place. But according to customer service I had to wait on them. Terrible app service. Terrible customer service. Just all around 2 stars for the company as a whole. I gave 1 for the app. 3-4 years and still waiting for them to get up to date with a decent app.

DO NOT GET THIS CARD! App is fine, card is horrendous, worse possible card you can get.
1) if you have a zero balance they start charging you $9 a month... for nothing, they are hoping you don't catch that so they can charge you late fees, etc. this company has many tactics to get money from you that will also destroy your credit.
2) they also don't allow direct deposit, so theres not set it and forget it type option, you have to remember to pay every month, not to mention your payment takes like 8-10 days to go through, so if you don't remember to pay 2 weeks before due date you get a late fee and hurt credit.
3) absolutely horrible customer service, if you have any issue don't even bother calling for help because you wont get any
4)to avoid having that $9 fee added on for a zero balance i would keep spending $20 a month and paying it off, but now they just added a $100 annual fee that they spread out to monthly costs.
5) this card is very difficult to cancel, I'm currently trying to do that now and it is a complete pain, but worth the work, card keeps getting worse and more difficult to maintain, your giving them your business and doing them a favor, they shouldn't be setting traps for you to put you into debt and simultaneously ruin your credit. Ive only listed a few of the main issues, they have many shady dealings and tactics to hurt their customers, intelligent business owners lol

Let me say this yes i was happy someone gave me a second chance after my bankruptcy. But this company is soo wrong for what they do to people! I was one day late, my due date was yesterday tuesday, i got paid today which is wednesday they literally charged me a late fee of 39$ for one day! Thats ridiculous! Very uncalled for i havent decided yet if im going to keep this card because of that and not only because of that i had covid in january and my job did not pay me for the 2 weeks i was out so i fell behind on payments they do nothing to help me all they did was give me a headache calling me atleast 8-10 times a day and on weekends even after i spoke with a customer service agent! Not only this but i recently paid the minimum due when i fell behind it was 69$ i bought my account current a few days after doing so i get a phone call from customer service saying i owed 69$ and i told her why is she calling me i already paid that and my next payment isnt til march 1st then the women on the phone changed what she was saying and said oh im calling to get the payment of 21$ thats due on march 1st mind you i recieved this phone call 5 days prior to it being due, i then asked the women doesnt she see in her comments or note box for my account that it was paid and she didnt say anything ! So to me that tells me there is no communication being done on accounts and with employees! Smh if you can stay away id stay away from this company!

This app is garbage.

For some insight: Every login requires at least two attempts (it will accept your login & show the app. itself for about half a second before reverting back to the login screen. If you're lucky, you only have to login twice, but I've had it take up to 5 or 6 attempts thus far). If you’re actively using the thing, it’ll still occasionally log you out & log you back in after about a minute or two.

To be clear: This isn't some idiot / user-error issue. I have it set to login via Face ID, so there's zero chance of my inputting a wrong password. I’m relatively tech. savvy.

Otherwise, while they'll never see a penny of interest from me (I'll be paying off 100% of my balance ahead of every statement date) updates are extremely slow, both in terms of any charges you make to this card (transaction history from 2 days ago do not show up currently, nor are they reflected in my balance due/available credit) and in payments made.

What’s interesting is that making a payment takes seven days. Naturally, this company offers the ability to post a payment slightly faster for a charge of about $8. My impression is that this is designed to dupe unwitting cardholders into making late payments by paying on or near their due dates. I’m not going to let this happen to me, but it’s clearly predatory & should be illegal.

I obtained this card to build some credit history, and am greatly looking forward to the day where I close the account and be done with this trash app. & dishonest company.