Credit One Bank

First, they will keep you on hold for 30 minutes or more, hoping you will get frustrated and hang up.
BEWARE: 2 representatives, David, and John,(Fake Names /​India for sure) with no last names, LIED to me about getting my annual fee returned to me after I canceled the card with a $ 0 balance and never used it after 6 months and 10 days. David first told me I would get my annual payment of $ 75 credited back to my bank account, then he called back 5 minutes later and told me he was sorry and he could not honor the refund of my $ 75 because it has been over 6 months since I opened the account. I asked to talk to a supervisor, John, who told me it was in my cardholder’s agreement that I would not be eligible to receive the money back after 6 months. I said «Ok, no problem.» I then went to the website
and found the correct cardholder agreement online that corresponded to my credit one card.
This is what it said, ” 9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $ 75.00 (Introductory period) and will be billed to your Account when it is opened. The Annual Membership Fee for your Account beginning in year two is $ 75.00 and will be billed to your Account in monthly installments of $ 6.25 per month.
The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least
once every 12 months.
The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.“
It says nothing about after a 6 month period, I will no longer be eligible to receive my $ 75 annual fee. Two people at credit one lied to me to try to scam me and steal my $ 75, which I was unaware of in the first place until I received my first bill in the mail. They kept me on hold for half an hour, hoping I would just hang up. They are highly trained in special deception tactics in order to confuse, disorient the consumer and they will lie to you to make sure you don’t get your money/​credit back.
Stay far away from these thieves as they are impartial to who it is they are deceiving in order to steal a few bucks. Credit one is the worst credit card company I have ever dealt with. They have no morals, no sympathy and will take your money and exchange for rupees if you give them the chance.
GG credit one, you almost got me, but I won’t be scammed so easily.
Creditone Customer service: 1 (877) 825‑3242
Technical support: 1 (800) 797‑4299
Credit card support: 1 (888) 729‑6274
CEO: Robert DeJong
Headquarters: Las Vegas, NV

Worst card ever says it will help build your credit, but it won’t even take a payment tried to pay 4 diffrent ways at least 8 times and they keep sending them back or just rejecting the payment. So I have recieved two late fees going on three because no matter what they dont accept my payment now when I mail the payment it will take two weeks for them to recieve it so they say so another late fee. How is this helping me so not happy with this card don’t get it not worth it… Oh and you call to speak to someone they barley speak english so they keep repating the same thing and its not even what your asking them for help with and are no help at all.

Well, another year later and my credit limit is now up to $ 2200! I’m still holding onto it because my score is going up regularly and I got another card with double that limit. I still use this for one charge a month and pay it off. I don’t know how people claim they have trouble making payments… I do mine online, usually from my phone, with not a single glitch in over 3 years. I get a credit line increase every 3 – 6 months, and they haven’t even charged me for the last 2… which sounds bad, but again, I’m paying a small price to rebuild my histoy. That’s the reality of it.

I was issued a credit limit of $ 500 in 2006. I never used the full amount, and I made my monthly payments. A year later my balance was $ 400. Though I was being charged $ 9.00 to pay by phone I wanted to stop the annoying phone calls. A year later the balance was still $ 375.I stopped the gravy train. Last week they put a restrain on my account for $ 1,865.00. I am scheduled to go to Court on November 19^th. I didn’t have any cancelled checks because I had giving them the authorization to deduct the monthly payments straight from my account but the Manager of Chase provided me with copies of my payment history. When I showed them to the court, their Attorney was so embarrassed he asked the judge dismiss the case with prejudice. That card is designed for people who are trying to rebuilt their credit I made a terrible mistake accepting it:(

By far in the 15 years I’ve had a credit card this is by far the worst company I have ever dealt with. They were charging me 22% APR with an $ 8.25 monthly service fee and only an $ 800 limit. I made a deal with them to clear a late fee if I payed it off in full and they did not follow through with there end of the bargain. It was reported to my credit report and I did pay it off in full. They said I would have to dispute it and that is all I could do. Well im glad I canceled this card best move I ever made.

I have been trying to get a balance letter via fax from Supervisor Ron for twenty minutes. After a while he pretended he could not hear me over the landline connection. There is NO email contact information for this organization. Completely disgusted with their customer service. Go to Capital One bank!!! They are awesome. After I make this major purchase my husband nor I will no longer utilize their credit.

As with ANY credit card– READ THE INFORMATION THAT COMES WITH THE CARD! Don’t blame the card company because you lack problem solving and critical thinking skills or because you don’t pay attention to detail. They are VERY clear about the $ 75 fee; I anticipated it and made sure I paid it before even using the card. They are also very upfront about interest rates and other various fees associated with use of this card. It’s a SUBPRIME card, designed for those with SUBPRIME credit to help us get back on our feet, as it has done for me after a bankruptcy. Previous issues with credit should make someone more cautious to read the fine print! I’ve had no problems with this card as I knew what I was getting into. I use it very wisely and make sure I pay the balance in full each month, and I only use it when I actually have other sources of money or money coming in. I may even begin keeping a small balance to help my credit score increase faster. The issues people are complaining about having with this card are mostly self-​inflicted, but if you’re vigilant and pay attention, you will be fine!

I just got off of the phone with one of Credit One Bank’s customer service reps. (I would’ve emailed them but that is not an option on their antiquated site.) I’ve had my card for nearly two years, have never missed a payment or been late. Not once, not ever. Despite my credit score of 722, I still am charged an annual fee, have a high interest rate (24%), and a very low credit limit ($ 950). I’ve been a loyal customer and have other cards with much lower rates, no annual fee and high credit limits. This card offers no perks /​rewards to boot. The customer service rep I spoke to today informed me that their bank refuses to remove my annual fee or lower my credit score. I wouldn’t recommend this card to anyone. Ever.
In short…
Activation Fee: $ 75
Annual Fee: $ 6.24/mo
Introductory Credit Limit: $ 500
Credit Increases: Infrequent and minimal

Worst credit card company. As a multiple card holder make they are by far the rudest. On many occasions they call for payment when its just the day after due. one time I purposely did not make a payment right away just to see how many times they would call. Well 26 times in three days. And even after I made payment they called two more times. Time to close this account. Poor choice on my part. Should have never opened this one.

I give this company a 4 star review because if you know what you’re getting into, they deliver. My credit score was under 300 because as a young man I was careless with my credit, lost a job, and well you can probably figure out the rest, in time I resolved all my old debts but my credit score never improved, I had not had credit for over 7 years, and just paid cash for everything. When I decided I wanted to purchase a new car I decided it was time to try and rebuild my credit. I started with Credit One Bank.
The Cons:
1) Yes they charge you 75 dollars just to turn the card on but they do not hide that fact if you actually take the time to read.
2) Their website is constantly trying to sell you stuff and get you to «Upgrade» things but you can just hit «no thanks»
3) The interest is high, but anyone who needs a card like this should expect that.
I started with a 300 dollar limit, charged it to max and paid half of it right away, I maintained a balance between 100 and 200 dollars for 3 months. I would use the card come home and make a payment, sometimes I made 3 payments a month, but I always kept a balance. The result, at least for me I was very happy with. My credit score moved from under 300 to 715 Transunion and 699 Equifax in just 90 days.
This is just my personal experience, I am sure results for each individual can be different based on what your credit history looks like. For me this was a great place to get back to building credit.

I’m not your customer and you are robo calling every single day. Scam.

Am so pissed off at this bank!!! Don’t accept any credit from this Bank!!! I made my payments on time and get a call on Christmas eve saying I was late on a payment!!! I pay my bills on time assholes!!! Going to pay this off and a big FU to Credit One Bank hope to see your business fail big time!

Not sure how this company got my address nor do I understand why they believe this card would be beneficial to me. I do not have credit issues and even if I did, I would not choose this card. My requests to be removed from their mailing list have been repeatedly ignored (I was even nice about it). I get at least 1 – 2 solicitations per week and tonight I get home to find a new style of envelope to bait me into opening it. I really do hate sneaky and I can’t stand that they are trying to insult my intelligence.
I’m burning my mail now. Burn baby burn.

Credit one bank gave me a chance at a credit card that no one wanted to offer me, I just came out of a bankruptcy and they approved me for a 500 limit, of course high interest but I had to start somewhere. They been a great company to me, they report to all 3 credit beuru, so far my credit score has shot up to 700. I don’t understand why people are complaining. Cause you don’t know how to take care of your credit and pay your bills on time than your going to keep shit credit. Credit one is good card. I have no complaints with them. I thank them for giving me a 2^nd chance and with that 2^nd chance I was able to get approved with Discover card. takes time people, just can’t get perfect credit over night, fees might be high but get over it, it’s life!

I’m totally satisfied with the bank but sure had a few problems but always got them worked out. this bank has help my credit to go to 750 score. Had them over 8 years after a bankruptcy and lost my house. If you want to build your credit this is the high risk card you got to get if you want to build your credit. Because no one else will accept you without money down… It’s nice because you can see your credit score every month!

Lol… hahaha.
Hear is another good one.
I recently received a pre-​approved offer for an additional card with a credit limit of a whopping $ 500. Why would they do that and not simply increase the credit line of my other card? They claim they want to help improve credit scores. Unlikely. It’s just so they can eventually charge the strangely worded annual monthly fee payment and collect more of my money. Ridiculous.

Not great — unless you are really over a barrel but even then there are better options. After several years of carrying this card; I finally closed the account, goodby. The foreign customer service attendant could do nothing about the monthly service charge. She definitely could have because the an another customer service attendant had previously waived it for three months, but I didn’t feel like dealing with Credit One any longer. Although located «in the United States» you will never speak to anyone that is actually in the United States. As I said, there are other options and particularly better options than paying 99.00 a year for a basic credit card.

I don’t know what to say about these scumbags. I spent $ 160 on my card, and four months later I owe over $ 500 dollars in hidden fees and absurd interest. I refuse to pay these thieves and would rather go to jail than line their pockets. Robert DeJong is the CEO of this company and he should be ashamed of himself for preying on other people’s hard earned money. This might be the last time I ever, ever get a credit card at all.
It’s people like Robert DeJong who make the public mistrust big banks. He should be sued out of house and home and left to fend for himself on the street.

ONE STAR IS 4 TOO MANY FOR THESE CROOKED BASTARDS!!! Very similar experiences to other reviewers. I was assessed a monthly ANNUAL fee (is that oxymoron lost on anyone?) at month 10. Additionally, the fee was never presented on a bill, yet I was assessed a late fee (WTF?). When I asked about the fee, was advised that the card is only free for the first year. Needless to say, the customer service representative in India pretended he didn’t understand what I was getting at when I asked him to compare the date I opened the account with the date the first annual fee was assessed (to prove for himself that it had been charged prematurely).
Having enough of his feigning ignorance (and I didn’t even attempt to start the discussion about the assessment of the late fee), I threw his terms & conditions at him & requested that he wave the monthly ANNUAL fee (makes me feel stupider to even type that bullshit) and the associated late fee, and asked him to close my account, considering that it was still within their permissible 30-​day window for such a request. I further advised him that upon being given a pay-​off balance, I would immediately hang up with him & pay the quoted balance off.
I was transferred to a retention specialist that tried his spiel on me… what a joke. I advised him that in order to keep my service, he would need to permanently waive my annual fee. His counter — ma’am, I’ll be waiving your annual fee for the next 3 months. NOPE! Close my account & give me my pay-​off balance. He gave me the daily pay-​off balance & after confirming with him that he would close my account TODAY, I hung up on him, logged onto the website & paid the balance off. Here I sit today, 5 full business days later, and I still have the annual fee, the late fee associated to the annual fee (I guess you’re expected to pay it the SAME day they assess it???), and what appears to be additional daily interest. I hate these f*ckers!
I wish I had read reviews before I applied… live & learn!

First off, if you thought you were applying for capital one because the logo is similar, you can’t blame them or be mad for your incompetence.
Second, except for a few months a year I pay off my entire balance each month, a week ahead of time. You can’t get mad if they charge 10 $ for a quick payment, you procrastinated!
Take some responsibility people.
This card helped me build my credit 100 points in a year. I’m thankful and I appreciate that it looks like capital one because people will think I have that when I hand the card over, not noticing its a lesser known «bank»
I love it and have not had one problem or had to use the express pay
Good card for people trying to build credit who have poor credit (530+)
Once I get up to a 750 in the next year I will rarely use this card but keep it open so that I have history (it has a high rate)