Review: Is the Credit One credit card a scam?

Posted by CreditCardGuru

Have you received an invitation to apply for a Credit One credit card in the past? When your credit score is less perfect or downright bad, your choices for cards can be be somewhat limited. However, that shouldn’t require you to be raked over the coals while you’re rebuilding your credit rating, either. Please read our review to learn what you can expect with a sub-prime Credit One credit card.

Confusion and complaints

To be frank many people are immediately confused by the name, logo, and graphics, which are almost identical to the reputable and much larger Capital One (pay close attention and don’t let yourself be fooled, since that is their intention). This is how Wikipedia describes it:

“Credit One is not affiliated with Capital One, a multi-billion-dollar first-tier corporation. However, Credit One has adopted confusingly similar trade dress, using a confusingly similar name, similar fonts, similar trademark layout and a similar circular swoosh, which they changed from red to blue.”

Those statements echo the other reviews and comments I see from consumers. On a regular basis I see people asking if Credit One is part of Capital One. I understand why so many ask that, given that their two logos are so eerily similar. That’s not by accident, unfortunately, and many people end up being deceived by this halo effect.

Credit One vs Capital One

The difference is that Credit One’s cards are designed for those with bad credit in mind. Capital One, although it does offer credit cards designed for those with little credit history, is a major card issuer — and therefore has cards for those across the credit quality spectrum, including rewards cards for those with fair credit, good credit and excellent credit.

Excessively slow payment processing times is another frequent complaint about Credit One. I’ve read countless credit card reviews by customers who allege that the Credit One Bank payment center can take a long time to clear your payments. You can expedite your payments using the “Express Pay” option, but it costs $9.95 to do so. This is a very shady business practice and one which you should be wary of because it can further damage your credit score. According to the credit rating agencies, payment history (i.e. whether you pay by the due date) makes up 35% of your credit score.


As with most cards designed for those with bad credit, the Credit One Visa charges you for the privilege of rebuilding your credit. The fees and interest rates associated with your card will depend on your credibility.

Annual Fee: Depending on which terms you get, you could get charged any one of the following:

  • $35 annual fee
  • $75 annual fee (billed monthly at $6.25)
  • $75 the first year and $99 thereafter (billed monthly at $8.25)
  • Interest Rate: A variable 17.9 percent, 19.9 percent or 23.9 percent, depending on your credit quality

    Credit Limit: $300 to $500, though most customer reviews I’ve seen say they get $300. Keep in mind that the first year’s annual fee will immediately be billed to your account when it’s opened and reduce your available credit by that amount.

    Now if you just saw that, you may think “That’s not the that bad for someone with really awful credit or a recent bankruptcy.” But guess what:

    no grace period on card

    That means they start charging you interest on the date you make your purchases.

    It’s true that all credit cards charge interest on purchases, but the difference is that the other guys give you a grace period; after your 30-day billing cycle closes, if you pay the full balance within 21 days from that date, you won’t get charged interest. But if you don’t, the interest charges will be tacked on in the following month.

    But with the Credit One Bank credit card, since there’s no grace period, it becomes almost impossible to avoid finance charges completely.

    So is it a scam?

    Since they disclose the terms and conditions in the application’s fine print, technically the card is not a scam. It’s just a very expensive sub-prime card that is packed with hidden gotchas. So even though it’s technically legit that doesn’t change the fact that many consumers are feeling ripped off and caught off guard by the product’s terms.

    The only real silver lining to this card is that your account activity will report to the three credit bureaus. That means if you use the card responsibly, it can help you rebuild your credit history over time and eventually result in a strong credit score. However, there are should be many other less expensive options available for those who just want to rebuild your credit. As an alternative, here are some secured credit cards to consider.

    Updated April 8, 2015

    Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

    258 comments... read them below or add your own

    1. KaTrena April 15, 2015 at 2:47PM

      Went online to make a payment like I do every month and discovered that I was over the limit. I looked at the history and found that I was charged $25 late fee. I called on my lunch break and was on hold for 1 hour. I was transferred five times and the fourth rep told me that because I missed March’s payment, I was charged. When I told him that the draft cleared my account on March 16, 2015, he transferred me again. Ms. Clark finally told me that because I made my payment two days before the billing cycle ended I was charged. Here’s the truth! I scheduled a payment on March 13, 2015, for March 15, 2015 and it posed March 16, 2015. How in the world can you justify that I made the payment two days before the billing cycle ended? The billing cycle didn’t end until March 14, 2015. She waved the late fee, but my account is still jacked up because of the over the limit fees, and whatever else they feel justified in charging. Needless to say, I scheduled a payment through my bank account to pay off the balance and I’m done with Credit One! If you can, stay away from them. You are asking for a lot of trouble and headaches.

    2. Janet April 8, 2015 at 3:52PM

      I had a credit card with this company I am having a hard time paying. Last night I got served with court papers for breaching the contract I opened with them. I make minimum wage and have kids. They also want me to pay attorney fees and court costs. Not sure how I can pay all of that. They are not a good company I wouldn’t recommend this card to anyone.

    3. Joe V. April 6, 2015 at 11:46AM

      WOW!!! I’m glad I did my research before opening this account online. I initially believed this to be a Capitol One card (due to their deceptive graphics). This deception alone turned me off, then to read these reviews! All I can say is… wow, what a scam. The paperwork for this card is in my trash can where it belongs!

    4. Michael April 2, 2015 at 7:06PM

      I was approved for $300 and I was on a trip to Asia for a month; NOT knowing they had billed me the $75 annual fee right away; so I never used the card a month later I returned to the US and low and behold; I was charged not only $35 for late fee but for interest as well and I checked my credit report on credit karma and voila; credit one has reported I am overdue…

      so yes, I will be closing this account once my payment has posted and cleared. It takes them forever to clear payment and this was a week ago.

      • itsFay April 3, 2015 at 12:45AM

        Ha Ha!! These people are a friggin joke.. I received my card last week.. it was still on the paper and I WAS going to use it to get some tires…. BUT today, I got a statement from Credit One… and what???? $75 charge?? I never used the card… A finance charge.. I called those people fast.. twice.. it takes a longgg time for them to answer and I told them to cancel it and put it on the record.. I am NOT paying $75 for that scamming company today or EVA!! Supposedly they cancelled.. I don’t care.. I cut that crap card up..
        I have Capital One and I really have no complaints at all….

    5. Chase April 2, 2015 at 5:36AM

      This card is funny. Great to rebuild credit with for sure. Once you get your score where you want it, cancel the card. They charge a monthly fee for having the card and you can charge one thing and pay it off as soon as it hits your account and you’ll still have .30 in interests on there (no grace period) They do have great customer service (may not tell you what you want to hear) but if you call them and tell them that you want to cancel the card because of the monthly fees, they will give you 6 months of $0 fees. That makes the card then cost about $47 a year. Better than $95. Since I have rebuilt my credit, this is my oldest card, so I have chosen to keep it until some of my other “non annual fee” cards mature a few more years. I have had the card for 3.5 years now and they give you quarterly credit increases but then charge you $15 to accept the increase. Total racket! Yes, they will give you credit.. But there is a small price to pay to build or rebuild your credit. I rebuilt mine unfortunately.. From a credit score of 565 just 3 years ago, I now sport a solid 732! It can be done with patients. Once my Chase Slate & Capital One Quicksilver reaches 5 years, this card goes away. Keep your credit uses low and only use when you just have too.

    6. Bryan April 1, 2015 at 1:55PM

      credit one bank is the biggest rip off I ever dealt with
      I made all my payment early and still they charge me late fees
      or they would bill me the day before it was do date9the they want u to use your debit card and charge nine dollar extra I cancel my card over the phone
      some has to do something about them ripping people off like that can some tell were to get help to put a stop to this type scam

    7. Curt March 31, 2015 at 7:27AM

      I have been charged repeatedly for the credit card fraud protection which I DID NOT sign up to have as a service. It is a monthly 39.00 fee. I have been charged several times in ONE month. The late fees are for this protection purchase we never requested. We are being called every day and when we have asked for customer service to remove the fees and charges and cancel the credit protection we were assured it had been done and a letter would be sent to us clarifying this confusion. NO LETTER. NO REFUND. NO HELP!. Credit One is a scam and rip-off. Harassing phone calls, threats and they create bad credit updates to credit reports -makes me think Trans Union is some how benefiting from this scam. The entire premise for this card is to help reestablish credit for individuals who need their history helped-not scammed into a deeper hole. The phone operators are reading from scripts or making up threats without actually looking at MY account which I have password protected.I cannot understand their accent and refuse to repeat myself 5 times only to hear their comments remain the same unintelligible rhetoric. Is there any remedy for holding Credit One accountable?

    8. Taylor March 29, 2015 at 12:01AM

      This credit card is absolutely horrible! I recently paid it off in full as of recently and CANCELED IT over the phone. And guess what? I received an email just now indicating I owed them more money. Even though I canceled it days prior with a zero balance?! Something is fishy alright.

    9. Cathy Vaughan March 28, 2015 at 11:58AM

      Credit One is a company who is very good at adding fraudulent late fees to your account. They not only harass you on your landline but on your cell and continuously. They try with empty threats that this will effect your credit rating if you don’t pay. I’ve received calls on my landline and cell from the exact same number, and it’s very strange that when I get a call on my landline they know all my info but if I return a call using my cell phone and the same number I have to give them either my acct # or social security #. Stay away from these people, no matter what you tell them it’s useless and they threaten this will affect my future credit. Ha ha ha!!!

    10. Teena M March 27, 2015 at 10:57AM

      I am skeptical of even confirming the application due to the approval I got from responding online. I was approved for 300.00 and instead of the card being mailed they further requested by mail a copy of my social security card. Never have I been asked fro a copy of the card. They’ve already run my credit and confirmed the info. I gave online. I have decided against having the card

    11. Iris March 24, 2015 at 11:52AM

      I’m going to cancel with them as soon I pay my card off. The cards looks are deceiving. I was unable to refunded the payment for the wrong card. And on top of that, I had paid more than the minimum and still the available funds are not decreasing as much. As of now, we are finally talking to a supervisor. One that we can understand and has WAY better customer service.

    12. Jehm March 24, 2015 at 9:16AM

      I have paid and paid and paid the balance on the Credit One card for four to five months even though I shredded the card a year ago, and with each payment I write on the statement in red to close this account. I do not have the card anymore. But I kept getting a statement monthly for a balance due of 80 plus dollars. I made two payments of that amount even though I had not made any purchases. Now I get statements for eight (8) dollars plus. I can not get ahold of a human being to talk to. I’ve spoken to one individual from India about six or seven months ago after I purposely didn’t pay an 8 dollar fee of some sort because I wanted them to call me so I could get some explanations of the charge….no explanation was given.

    13. Jane March 20, 2015 at 12:57PM

      I have BOTH Capital One & Credit One credit cards. I have no problems with either one of them. I was even late on a payment and the person I spoke with waived my late fee since it was only one day late. Now as long as I make my payments on time I have no problems at ALL!!!

      • Crystal Bautista April 10, 2015 at 11:36AM

        How long did it took you to receive your card ?

    14. bga March 18, 2015 at 5:41PM

      I have had a card with them for 3 years never missed a payment I was loyal to them because I made mistakes in my past but recently it has not been working it comes up declined!!! At places like Home Depot, Shoe stores and gas stations that are reputable. How EMBARASSING when this happens even when there is a zero balance wtf. I called them they said they have a high risk of fraud so I asked for a list of places the card will not work they denied me. So I paid my balance and closed it.

    15. Cheated by India March 7, 2015 at 11:52AM

      My issue with them is that they are extremely stream-lined, meaning that all operators are in India, so the call center routes the call from USA to India and you get a person who can barely speak English. Further cost reduction tactic, is paperless billing statements, I did not take this option and expected a statement to be mailed each month permitting me the opportunity to review claims and attach a receipt to the statement once paid. Because they never provided me with a statement, while I was in the VA Hospital for treatment there was no way to pay the monthly balance. Had they sent the statement, my Care Manager would have gladly assisted me in getting that paid through my funds. As a result of their failure to comply with their own business practices, I have a closed account, I paid $545.77 for an account that only had $250.00 in used credit, and I have late payments on my credit reports. On the good side, no more phone calls from India demanding full payment.

    16. Very Unhappy Customer February 20, 2015 at 4:11PM

      This worst credit card you have in your pocket. I have tired working with Capital One to get an overpayment back into my checking account for over a week mow. We keep going round and round in circles. One representative told me she would reverse the payment and have the money back in my account within a few days. Unfortunately for me I trusted she would do as she promised, but that never took place. I called Capital One again after a few days and found out there wasn’t any notation to collaborate my story, so I had to start over with a Manager. I was told she would have the money back in my account in 5 days and not to worry. Again, that didn’t happen, so I called again and they said an electronic transaction couldn’t take place because it was an overpayment. Mean while, I was under the impression my money was going to be deposited any time. I had to call a third time to find out they had to cut a paper check and send it to me through the mail which would take another 10 to 14 days. To start with I was the one to catch this error and contacted them before the payment was posted to my account, but because they don’t do as they say they are going to do I am stuck with an overpayment of $10,000. How many people can afford an overdraft in this amount and have it take in total about 20 days to fix this mess? Presently, I am still waiting for a check and it has been 9 days since I contacted them about the error. I will NEVER, NEVER do business any business with the company again. Hopefully, this will help someone else that is thinking about opening an account with them. Guess who’s NOT going to be in my pocket.

      • Giffdawg February 26, 2015 at 5:08PM

        I believe this site is regarding CREDIT One, not CAPITAL One.

    17. Cynthia February 18, 2015 at 6:31PM

      Transunion is who recommended Credit One to me. I’m saddened to read every ones bad reviews. I’ve had Credit One for a few months now. A few things that bother me is when making payments they don’t post until a few days later, the credit limit wont show for another 5 days. They wont take more than 4 payments in a pay period. They started me with a $400 CL 4 wks later, they raised my limit by $200 with no charge. Other than the minor issues I have no major problems. NOTE: They probably raised my limit because I paid my card every chance I had. They denied my 5th payment.. LOL Good luck everyone

    18. Ali February 16, 2015 at 3:36PM

      Does anyone know what credit report Credit One Bank pulls when showing the summary of your monthly credit score?

    19. Miguel February 16, 2015 at 2:47PM

      A third party vendor charged $331.10 in error. They then refunded me and Credit One credited my account, but again in error, the third party company charged me the same amount of $331.10. This is where the challenge is:

      The third party company refunded me the money on Jan 26. I went thru their VP to make sure it was refunded. I called Credit One and they told me nothing was credited. Finally on Jan 29th, a Credit One rep told me he could see a refund in the amount of $331.10 was coming in and I could see it within 3 days. 12 business days later and the refund has still not come in. I called Credit One and “Chris” advised me the standard responses of “check with your third party company” I told her about my last call in and she told me she couldn’t help me. I asked to speak to her manager. Chris took down my cell number and said a manager would call me within 24-48 hours. 24 to 48 hours is a long time in my opinion.I am more frustrated because of the conflict of information they have given me.

    20. Concerned14 February 5, 2015 at 5:29PM

      Unlike other reviews, I do not have bad credit. Actually my credit is decent and I have a unsecured card from my bank that I’ve paid consistently on time for over a year now. So after receiving this offer in the mail, I’m wondering in my case, do I really need something like this when I already have a good payment history and credit as far as the credit bureau goes??… (Concerned)

      • Latesha February 16, 2015 at 7:15AM

        My payment is not due til the 28th of this month but I sent it in around the the 6th and it has not yet posted. I have been calling credit one bank but have not been successful in speaking to a live operator. It keep saying that they are closed smh.

    21. Vicky February 5, 2015 at 7:29AM

      The website and phone number are down….. What is going on?? Can anyone tell me? Thank you!!

    22. Cathy January 30, 2015 at 9:14PM

      Worst credit card ever! They have screwed up my account so bad I have no clue what to do. My card was taken over by someone in June 2014. I contacted them and was assured it would be fixed. This mess continued for over 7 months and today noticed they have completely ruined this account. They told me to file a police report and that I would need to speak to the fraud department only no one was available. I have asked them to close the account but I don’t think they I understood as there appears to be a bit of a language barrier. I am at the end of my rope with this company. I have no idea where to turn. Very disappointed!

    23. Eileen January 27, 2015 at 10:08AM

      I never heard of this company and have no account with. Still I get 5, 6, 7 or more calls from them per day. They do not leave a message. The one time I did talk to them and told them I had no account with them I was told “someone in my family” must have an account. I said I doubted that but, if so, call that “someone”. (I am single, live alone and no one even has the phone number of the tracfone they call.) So, I am writing them a letter telling them to stop calling me and if they continue I will probably join in on a class action suit against them.

      Bad company

    24. Ivette January 21, 2015 at 5:08PM

      STAY AWAY FROM THIS CREDIT CARD!!! Horrible choice. They didn’t post my payment on time and now they call pressuring for a $35 late fee and asking for for bank routing and account number when I sent the payment 12 days before the due date. The rep said first I need to collect the late fee before I can refund it I told her NO! close the account.

    25. Nikki January 12, 2015 at 7:57AM

      Their website and phone number seem to be down. Is anyone else having an issue?

      • Nikki January 12, 2015 at 10:52AM

        its back up now

    26. robert January 11, 2015 at 5:40PM

      I activated my Credit One card and was charged an $88.00 start fee, used it twice and paid it off when i realized they charge interest on purchases . It was cool to send them a payment of $o.oo , Ha ! They gave me an $1,000.00 limit on this card ,and it will only be used in an emergency , only .

      • Sonny February 1, 2015 at 4:06AM

        It don’t matter you will get charged 8.25 a month,even with 0 balance.

    27. Ashley January 10, 2015 at 8:45AM

      I have seen all the negative reviews on various google hits about Credit One Bank. Credit One Bank is not a scam. They cater to individuals with bad credit, no credit… so the APR and annual fees are high because people with bad credit and no credit are typically classified as a higher credit risk.

      I had good credit a while back and then married an irresponsible person. This person eventually played a role in helping to ruin my credit. I do not place all the blame on him, I had my own role as well. Anyhow, after I divorced him, I began trying to fix my credit issues. Problem was that I was making little money and the creditors were relentless. I am still (5 years later) trying to pay down past debts. I cannot find any credit card issuers that offer zero dollar annual fees and low interest rates that will approve me because of my credit history and issues.

      This is where Credit One Bank came in. They approved me where others would not. I read their terms and conditions and although I do not care for them, I need a credit card for repair purposes. I paid the $75 annual fee as soon as my card was activated, so that interest would not accumulate on it. I then had a $300 credit line. I use the card only once a month (ex. $20 in gas). And as soon as the $20 is posted to my account, about 2 days later, I immediately pay it off before they have a chance to add the interest fees. This works! I have had the card for 5 months now. The catch is that you have to pay the balance as soon as it shows up on the account in order to avoid the fees.

      Also, I have been checking my credit through the major credit bureaus and Credit One Bank does report to all of them monthly. Between making payments for my past debts and making sure that I quickly pay off my balances with Credit One Bank, my low score has been slowly increasing. Not much, but it is something.

      • Carl Hagensen January 12, 2015 at 11:35PM

        Ashley – we will see hoe you like them when you attempt to close the account(s). They PROMISE you the account is close, then when you check on line, you find it is still there and they have added their monthly fees again. I have MasterCard and visa, and pay regular payments on line. On the MasterCard I have a $25.00 credit and on the Visa I have a $25.00 negative and I pay each card separately. They are liars, and they are thieves – you will see when your credit is reestablished and you try to end your relationship with them.

      • Creditonemember February 7, 2015 at 10:44AM

        I wanted to share my success story after reading yours. After 2012 bk 7 discharged my credit score was 475. I couldn’t even get a cc at capital one (secured) less than a year later I found credit1 I applied and automatically approved $300 paid annual fee. Next month they increased to $500 I checked my credit and score increased to 599. After 6 months I was approved for 2 cap 1 credit cards 0% 12 month on both. And my score is now almost to 700. There are some things I don’t like about this credit card but that’s only if you are irresponsible. I always pay in full and use less than 9% which fico likes. I will be closing this as I got better cards, (discover, chase) this is to rebuild. Not a rewards card. Use wisely to build or rebuild then move on. Always make sure to pay ahead of time and use less than 30% or pref %10 and close it after a year not to get hit with the next annual fee

    28. Steve January 6, 2015 at 8:31AM

      How can I close this account?

    29. Elaine B January 2, 2015 at 4:32PM

      My comment was posted on 1/2/15, not 1/5/15, I typed the wrong date, that’s just how frazzled this whole thing has me. I have worked hard to repair my credit and I am so nervous that this company might damage it.

      • Ashley January 10, 2015 at 4:46PM

        Credit One will not damage your credit as long as you pay your balances or the minimum dues on time. They function like other known card issuers. They regularly report your account activity to the major credit bureaus (i.e., pays as agreed or delinquent). I am a current customer and have been keeping track of it.

    30. Elaine B January 2, 2015 at 4:31PM

      Hi everyone. I haven’t received the card yet, but have read enough to know I don’t want it. I called today 1/5/15 to ask that they not send the card and the rep told me it had already been mailed. I told him the application status screen on their website says that it hasn’t, he then asked for my ssn to check; I asked him why did he need it now when he had already told me that it had been mailed. I didn’t give it to him. I quickly saw that I wasn’t going to get anywhere talking to him. I looked around online to see whom I could report this issue to because I felt he was not allowing me to decline the card. That has to be illegal.

      I don’t plan to activate the card, should it ever arrive, however, I have read here and other forums that they charge you even if you don’t activate the card. I don’t need any negative actions reported to the credit bureau, so I’m trying to nip this in the bud before it even becomes an issue. I filed a complaint at, I originally sought out the FTC, but they don’t act on behalf of individuals. I’ll keep you all posted as to what happens.

      • John W January 3, 2015 at 1:55PM

        I had the exact same situation. I just called the 18778253242 number and selected the option to report the card lost or stolen. I waited about 2 minutes for someone and I gave him my ssn, name and birthday to find my account, then I asked him to verify that the card had never been activated. He promptly assured me that I had never activated the card, that no money would be charged to me (even though I have received bills in the mail from them with the $94 annual fee) and that no report would be filed to a credit bureau, and that if anything had been reported to a credit bureau it would be removed. He was very apologetic and didn’t try to hassle me in any way. Nightmare gone!

      • Ashley January 10, 2015 at 4:49PM

        My annual fee was charged until after I activated my card.

        • Ashley January 10, 2015 at 4:49PM

          *not* charged…

      • RoxanneD January 18, 2015 at 11:25AM

        samething here I want to cancel

    31. Chris December 29, 2014 at 6:26PM

      Let me add also that this card comes with a lot of heavy marketing. At every interaction you will be offered additional cards for your spouse, premium cards with pictures you select, credit protection programs, etc.

    32. Chris December 29, 2014 at 6:21PM

      This is not a scam, but it is not a good choice for someone with decent credit.

      After a bankruptcy, I needed a credit card for such things as renting cars. This was the only unsecured credit card I could get. I got it, knowing the annual fee and interest rate were very high and the credit limit was very low. It served its purpose. When you qualify for a card with better terms, cancel this one.

    33. Credit Consumer December 20, 2014 at 7:35PM

      Well this is my story i did received several invitations to open a CAPITOL ONE credir card which i refuse to get one for a long time. however on the last three invitations they offer me a ZERO ANNUAL FEE plus ZERO percent charge on all my purchases until aug 2015. at that i did decided to apply and enter the invitation and accesses code and i was approved intermediately.
      so my card arrive 15 days later. and then received a statement for 75.00 for annual fee? so i say W.T.F. so i call the bank and to my surprise they told me the card was issue by CREDIT ONE BANK and not CAPITOL ONE BANK !!!
      Since i already has use the card i nedded it to pay the 75.00 annual fee
      To me that is a plan SCAM because i NEVER REQUESTED A CARD FROM CREDIT ONE.
      So i am going to sue this bank for FRAUD AND DECEIVING PRACTICES. AND ANYTHING ELSE I CAN THROW THE BOOK AT THEM. SO if you want join me lets do a class action law suit and lets teach this scammers a big lesson.

      • Daniel Sanders December 30, 2014 at 9:14PM

        I totally agree with you. I just got this card and had my wife make a payment to them. Their website was down so she called them. They wanted to charge us an extra 25.00 just to pay them cause the account was not in her name. Can anybody say crazy hidden charges. Not to mention there very rude non english speaking staff. I just want to cancel this card and pay the balance.

      • Mike January 10, 2015 at 7:39PM

        I hear you. It is frustrating. On the contary read about due process. It wont stand up in court. It is important you read YOUR information very carfully. Due process helped me for a couple of months from having my business evicted fron its location.

      • Judy January 27, 2015 at 2:10PM

        Same exact thing here. I thought I was applying for a no fee Capitol One card, and then it’s Credit One??? I received my bill and my card today. I will not activate it but am afraid this will be a total nightmare.

    34. Pete December 11, 2014 at 7:46PM

      The BBB is useless to the cfpb government site. This will solve you problem. I registered a complaint and they will get a call from the government that they must answer.

    35. Matt M. Brown December 10, 2014 at 9:45AM

      I find it interesting to read this credit card review. It doesn’t appear that the person who wrote the blog “CreditCardGuru” even has a Credit One Bank credit card. Hard to rely on a review by someone who doesn’t appear to have the product and therefore could not have used the product. That is like writing a review of food at a resturant by reading the menu and then describing to your readers how good or bad the food is. I suggest that if you want to be a “Guru” about something you are reviewing, that you should actually and and use the product. Just a suggestion.

    36. just me December 3, 2014 at 3:44AM


    37. NJR November 30, 2014 at 10:24PM

      DO NOT GET THIS CARD. They only let you make 4 payments every 30 days?? What??? I’ve never heard of such a thing. I can’t wait to pay off my balance and close this are for good.

      • NJR November 30, 2014 at 10:25PM

        I meant card for good

    38. SCAM November 26, 2014 at 10:07PM


    39. Rosar November 22, 2014 at 11:31PM

      how do cancel this?

      • Albert December 5, 2014 at 6:28PM

        I just canceled this card. We did need to establish our credit again but now do not need it. I called 877-825-3242, the lost or stolen card number. After listening to the options, when the recording said ‘to hear the options again’, I pressed “zero” and after about 10 minutes they picked up and tried to talk me into not canceling. Eventually they said the account was closed. Of course I will follow up with a certified letter. The card does serve a purpose, but once you have some credit history you can get a card without the fees.

        • keith December 12, 2014 at 3:21PM

          Did you pay your 75 dollar fee before canceling?

    40. Notgoing November 19, 2014 at 11:24AM

      I recently applied but I am cancelling NOW!

    41. Holly November 19, 2014 at 8:43AM

      I too got one of these cards and only accepted it because I looked for and didn’t see an annual charge until my first bill arrived and saw the $75 charge and I am billed $25/mo to pay that. I hadn’t even activated the card yet. I finally activated it when I needed it for a $5 purchase. I made the payment and a few days later received a call that I a payment of $106 was due. I had made the payment of $25 + $5 to cover purchase and they were adding a $55.00 late charge. How do u get away from these people?

    42. claire November 18, 2014 at 2:55PM

      I don’t care how legit these people are……..I had to find out the hard way… you make a payment every month and your not using the card even though they are charging you interest and annual fee…… where does the rest of the payment goes…..I haven’t seen my balance go up in months.

    43. marc November 8, 2014 at 10:01AM

      just got an offer from these scammers. Love how they boast “no enrollment fee” but have an annual fee. like enrollment fees are common. Can’t believe Capital One isn’t getting a cease and desist order to stop using the logo obviously intended to trick people.

    44. sue October 30, 2014 at 7:30PM

      I have cut up the card I received in the mail,,made copies of everything they sent me,,,,including a copy of the cut up card,,,mailed it back to them,,,plus wrote void on each and everything,,,that I received,,,now a week later I just received a bill in the mail saying I owed them $75.00 annual fee…!!!,,wow,,,Im so glad I made copies of everything,,,,BEWARE,,,,

    45. Mildred October 28, 2014 at 8:27PM

      My experience with this company is that they are out to get all the money they can by way of pretending harassing you to death! They have the BBB in Las Vegas fooled that’s for sure. They agree to settle the complaint but there are thousands out there that do not report to the BBB so they never see those complaints. They overcharge, never agree to help you out in any financial situation and just keep adding charges. And those calls are constant…they even tell you give us the money we ask for and we will stop calling. Really! What legit company does that. Someone needs to take them down!!!!

    46. Joemong October 27, 2014 at 8:27PM


    47. beth October 18, 2014 at 8:39AM

      This morning i got a call from a person that could hardly speak english that wanted me to send them $1000 to increase the limit on my ‘credit one bank charge card’. The call came from New jersey. Now really. something has to be done about telemarketing scams.

    48. Nickle and Diming THIEVES October 17, 2014 at 5:26PM

      BTW if you need to speak to someone don’t waste your time driving yourself crazy with the automated system. Press the number that applies to “want to report my card lost or stolen”. That is the only way you can speak to a REAL PERSON. So rachet.

    49. Nickle and Diming THIEVES October 17, 2014 at 5:24PM

      They might as well call themselves “Marlo’s Bank” because their style of doing business reminds me of that notorious drug dealer on The Wire.

      I got my credit one bank card in the mail about 1 month 1/2 ago. Activated it on October 3rd and made my first purchase the same day. By October 11th my first bill was due!! I said WTF, it hasn’t even been 15 days!! I was very busy so I said fine, I will just pay a little over the the minimum ($45) quickly to avoid a telephone argument. I paid $100 on Octber 7th since I made my first purchase on October 3rd on overstock for $99. IT TOOK A WEEK TO CLEAR!!! By October 11th they charged me INTEREST even though my card was activated for less than 15 days. Customer service tried to argue with me today and refuse a credit but they don’t want to mess with me. I don’t stop until I get what I want and I don’t give a s*** what they think. They gave me a credit as a one time courtesy. Really he gave me a credit because he realized after 25 minutes that I won’t take no for an answer and will just call back until someone says YES.

      2nd they charged “credit protection”. I saw that charge and lmao. Since I charged only $99 it was almost $2.00 or something. I never signed up for that! I told them to cancel that BS immediately, DEMANDED a refund and of course they gave it to me. I will not be nickled and dimed by these fools!

      The sad part is I NEED the credit line. I have started my own business and unfortunately my credit is not the best. Basically I am shopping for things for cheaper online, selling it more expensive on eBay and making a profit. So I need “seed money” to do that. I have $300 with Capitol One, and $700 with Credit One. So $1000 in credit total. Credit One actually increased my limit $200 yesterday without me even having to ask since it was originally only $500. That was the ONLY nice thing they have done other than approve me for a card.

      Customer service is not easy to speak to as they are obviously outsourcing in India. It sounds like they are all reading off a paper when they speak to you instead of speaking naturally and at the end of page it probably highlights “the customer is always wrong”.

      They charged me $45 up front for a credit line of $500. I do not mind that since they are offering a service and I don’t mind paying to get access to money I really need.

      I am actually calling these f***ers right now. Cuz I SWEAR to jesus if they even think about charging me interest PER transaction I will slap the shit out of someone.

    50. Michael October 14, 2014 at 4:07PM

      I was charged some fees and decided to cancel the card. 4 phone calls and one letter with my cut up cards were necessary. Then I received a letter from them saying they were trying to reach me. 2 more phone calls and finally got confirmation that card was canceled. They said that I still may get some fees charged… but to call and they would resolve it! What crap. They DO NOT have email or online ways to resolve things…. BEWARE!

    51. Erik October 11, 2014 at 7:02PM

      Okay so I got the pre approval, applied and was given a 500 dollar limit. Got the card in the mail.. It says the account is closed if I dont activate in 14 days. Has anybody not activated the card? What happened as far as billing goes?

      • Holly November 19, 2014 at 8:47AM

        I didn’t activate my card and still received the $75 dollar charge. That’s when I realized there was an annual fee with $25 due before I even acyivated card.

    52. bizzare13 October 10, 2014 at 6:59AM


      My wife was trying to help me build credit and we receive the pre approval letter in the mail she quickly thought this was a great way like we had the pre approval so she applied she did not read the fine print nor did she recognize it was not capital one. I just received a email that the card is being sent can i cancel with out being charged fees? We will not be activating the card we wil cut the card and send back.

    53. CustomerOne October 7, 2014 at 9:40PM

      Wow. 3 weeks ago I have received offer by mail. Letter included two cards with the same number for two family members. After checking BBB I decided to put it aside and actually almost tossed it out. To clarify, I never applied for the cards just probably received random in mail offer. Offer stated: “will be closed if not activated within 14 days”. Two days ago I get the STATEMENT. All fees already billed to the account which I never activated. It is funny. Called them and have a chance to talk to the supervisor without the last name (just a number). She ask me to confirm account info (#SSN) which I refused because I never gave them such information. I asked nicely to check if they have a record of activation, and if not, to correct the error and cancel this account. No resolution. Such a scam. I will go to court.

    54. Jane doe October 4, 2014 at 11:18PM

      I worked for this company for 7 years. I have never seen a company that is so shady with their customer. They are a company that tries to help your credit rating but they charge you for all these fees. I would go without a credit card if I would have to go with this company.

    55. beak October 4, 2014 at 11:15PM

      I worked for this company and it the was the biggest rip off place to work for.
      They are ripping off all their cardholders. Take my work do not get this card!!!!!!!!!

      • denny November 5, 2014 at 2:51PM

        that’s so right they are a scam

      • Thomas December 20, 2014 at 8:23AM

        When I receive this card and I don’t activate it, what’s the best way to cancel it.

    56. Laulena September 30, 2014 at 6:15PM

      I opened my ‘creditone’ account in May, and immediately regretted it. First off, I have never had a credit card and was very excited at first, that I’d even be approved. For 300 dollars! After I paid some bills, I made a payment and it took three days, with their ‘express’ option. And, they charge the fee of 9.95. Or you could wait up to a week for payment to clear on their regular payment process. Then, I was charged 13 bucks for a maintenance fee. Then, they told me it was 25.00 dollars to order a replacement card. And then the 75.00 annual fee, which goes up to 99.00. At these rates, you’d be paying 600 for 300 in limits. I paid off the remaining balance, and closed my account. They even tried to con me into keeping my account open, with some kind of 25% off interest offer. Last ditch attempt to continue stealing money from me. Really? So you offer to give me a deal, after I have already paid my balance in full? So, your company could keep charging me interest and ‘fees’ for an account I was no longer going to use? Definitely, learned a lesson here…go with Capital one, a much more reputable source of rebuilding credit.

    57. RL September 26, 2014 at 3:50PM

      After reading all of the negative comments here, I cancelled my application for credit. Thank you all for writing these reviews so that others do not have to go through what you have gone through. I double checked the application status and it says cancelled so, hopefully, it truly has been.

    58. Gail September 25, 2014 at 2:00PM

      Called customer service on back of card to check account Balanc and see when last payment had been received. Was told they were giving customers who called today a $100 gift card and just needed to ask a few questions. Answered questions…was given a verification number….then told I would be transferred to Verification supervisor. Told that person I wanted to be transferred to regular customer to check account info….this went on thru 4 transfers. Lost my patience with 4th and told him to transfer me immediately…he gives me another phone number supposed to go directly to customer service….turned out to be AT&T. I WILL BE FILING WITH Better Business. STAY AWAY FROM THIS COMPANY

    59. Rachel September 19, 2014 at 3:46AM

      I got this card a couple months ago, never used it but paid the services charges on time. I recently canceled the card and a couple days later received a check for the amount that I had paid them in services charges. I am a little afraid to deposit the check because I am wondering why they are even refunding my money, and are they going to send me a bill for something unknown even though I canceled my account with a zero balance?

    60. MrsB September 15, 2014 at 7:29PM

      I knew up front that there was a fee assessed of $75 upon activating the account by phone. The card was activated on 9/3/14 and the first payment due was $25, due on 9/12. Well, I missed that date and there was a $25 fee assessed (this is generally how they make more profit of course because they do nothing for the fee charged). Prior to the due date I requested a due date further into the month, based on my pay periods. They totally neglected to honor that. Then I tried to get through on the 800 line but just got a recording for 20 minutes (and obnoxious self-promotions) but never got through to anyone. And, there is no email address to explain any issues. Do they even have an email address like most banks? finally, a foreign speaking person comes on the line (are we outsouring our customer service operators to Japan now?) and she was personable, saying they would reverse the O/L fee and change the due date to the last part of the month. The gal told me that the change takes about 5 biz days and will show up in the next billing cycle. she also claimed that they do not report past due status to the credit bureau until the account is 30 days past due. I’ll be checking up that the reversal of the fee was done, after 5 days, as instructed. And I’ll be checking my account online for further “charges” assessed by them. Incidentally my credit history cleared up recently so I have no bad credit. I made the mistake of taking this card offer just to rebuild my credit. But if everyone in the credit field knows this card is for bad credit risks, does it showing up on my credit report give a bad impression to other potential creditors? I’m thinking of closing the account, as it may have a bad reputation in other creditors minds.

      • bonsall September 21, 2014 at 6:31PM

        I like credit one bank card as I had a bankruptcy 4 years ago and knowing I wont quality for the best cards out there at the moment…I had this card for three yeas now. Started with 500 limit and now up to $1600. The payment goes in two days when I pay online but it does not reflect available credit until about 5 days and everytime they offer me a credit line increase of $250, I have the option to accept it or not. If I accept it then it is a $9.95 fee.

        I had no issues. Yes I knew about the fees as I read the terms before I applied for it.

        • Ami October 26, 2014 at 9:49PM

          Hi I too have not so good credit and applied and got a card for 400 which is 325 really. I am glad I have a chance to work my way up to a great credit card someday also. I am just curious if the percentage rate goes down if you are a responsible cardholder. Do you know if that can happen.

    61. katy September 15, 2014 at 12:01PM

      They are a sham…I’ve had the card two months. I made a large payment that posted a day before my account posted. When I started getting phone calls that I’d missed a payment, I called and spoke with a supervisor. She advised my account would be adjusted to show correct payment month and no fees would occur! Well, the exact opposite happened. Despite having two voice messages saying that the issue was fixed, I still get collection calls. Not only are supervisors saying adjusting it is not within policy, they are asking for the full balance on the account. The final straw came today when a customer service manager told me I never got a call from them (remind you, I’ve kept the phone messages) AND that when they contacted me , they got a busy signal!!!! WHAT CELLPHONE gives you a busy signal. I hate to be demeaning, but it seems their customer service is not located in the U.S., this just adds to the frustration. ABSOLUTELY the worst credit card experience I’ve ever had. I should have realized that their efforts to knock off the logo of a credible company (Capital One) meant trouble, sham, scam and dishonesty….Stay away from them at all COSTS….look elsewhere if you’re trying to rebuild your credit!!!

      • MrsB September 15, 2014 at 8:01PM

        Always put disputes in writing, dated, signed and addressed to a credit manager’s name. Then, whatever they say, you have your claim validated. In other words, leave a paper trail.

    62. jeremy September 12, 2014 at 10:26AM

      I applied for this card to increase my total accounts on my credit report, along with two capital one cards and a barclays card. Dont take this personally but if you people would read the credit card agreement before filling it out and applying then you would see ALL of the fees are clearly printed and disclosed before you apply. If you pay your bill Before its due in full you will barely acrue any interest. I think most of the people who left comments on here do not know how to use a credit card, and probably should not have one. Any time you sign an agreement READ IT FIRST, i mean damn its not the credit card companies fault you cant read or pay your bill on time. Yes they do not have a grace period and start charging interest on the day a charge posts, then pay your bill the SAME day as the charge and you will not pay interest, do not ever carry a balance on a card like this if you dont want to throw away money and do not charge things you can not afford to pay for with cash the same day as the charge. The fees are clearly stated, the payment options a clearly defined when you pay online, if you cant pay your bills early or at least on time and in FULL, DO NOT GET A CREDIT CARD!!! its not the credit card companies fault you people cant pay your bills on time. Until you grab the bull by the horns and become responsible then pay cash for everything and dont get a credit card. Sorry but i read every comment on here and 90% of them are either lies or people who cant manage their bills and use cards for things they cant afford. Thats not how you use a credit card. It is a tool to help build your credit, use it as such and dont be careless and expect everything done for you. Its your life people do what you please, but dont blame others for your lack of competence.

      • MrsB September 15, 2014 at 8:03PM

        Have you noticed that the due date for Capital One and Credit One is the same? Both of mine, coincidentally is on the 28th.

      • KaTrena September 22, 2014 at 10:41AM

        Why are you going off of people? This is a blog to give insight about companies. I believe that credit card companies take advantage of people with poor credit which is why consumers have to be aavvy and read the fine print on EVERYTHING! Just like it took time to ruin your credit it take just as long to rebuild it. It’s diffcult to rebuild credit when credible credit card companies won’t give you a chance. I think the best way to rebuild credit is deal with nothing but secured credit cards and leave the sub prime lenders like Credit One.

      • Renee October 3, 2014 at 9:32AM

        I agree. I’ve had this card for a little over 2 years, it has been very effective in rebuilding my credit. My score has gone from a mid 600′s to 802. Don’t charge a lot on it and pay it almost immediately. The point of this card is to build your credit so you must use it responsibly.

      • Renee October 3, 2014 at 9:39AM

        Also, I had fraud on my card and Credit One promptly and professional resolved the matter. I did put everything in writing and sent it certified mail. They removed all associated interest and late fees. I was afraid it was going to be a disaster but was pleasantly surprised. READ the fine print people and pay this bill timely.

      • Greg March 19, 2015 at 6:34PM

        Amen brother!

        I have been reading all of these reviews and think the EXACT same thing. Quit whining people and pay your bills. Absolutely nothing wrong with this company whatsoever. I have this card and pay my balance the instant it posts. If I can’t pay for it immediately then I don’t charge it. Sure it’s a crappy card compared to most but they state the fees for you to read before applying. You have to know how to use the card according to the credit card companies terms. If you read the terms then you can beat the credit card company all with improving your credit score. Don’t let the credit card company beat you.

        Well said Jeremy!

    63. Amarie September 10, 2014 at 11:08AM

      Credit One is the WORST credit card company. 1st the charge more than any other credit card company for there fee. 2nd they have terrible customer service. 3rd they changed my credit limit without checking with me, then charged me a fee!! 4th my wallet was stolen and I reported it to all my card companies and banks and Credit One is the ONLY one that charged me a $25 dollar fee for a new one!!! SERIOUSLY stay away!! They are down right terrible and change YOUR account without permission!
      Also found out through a couple sources that there is a GIANT possibility they sale your private information. NOT okay!!

    64. Heather September 9, 2014 at 6:16AM

      I am a few days late with my payment (first time since I’ve had the card). I just tried to log on to make the payment. It won’t let me log on. They inactivated my account. I called and can’t get a live person. How am I supposed to make the payment if I can’t get on the site or speak to someone about the status of the account? Ugh. I never thought paying a bill would be so difficult.

    65. Michael A September 8, 2014 at 11:55PM

      I applied for my credit one card back in June . I received the card July 1 got a bill July 5 for the annual fee. Sent out a $ 80 payment July 6 . The didnt process it till July 28 . They claim they mailed a bill on august 18 Istill have not rreceived it bill is due sept 14

      • MrsB September 15, 2014 at 8:15PM

        The original fee for the card is assessed on the date you activate the card, not the date you request or receive the card. Unfortunately, the first payment is due way too soon. I did find out that if the payment is assessed before 15 days from the activation date, you can get the overdraft fee reversed. Remember, the squeaky wheel gets the grease. Keep on them.

    66. Steven September 8, 2014 at 11:04AM

      Please stay away from Credit One as far as possible. They charge an annual fee of $75 1st year, then $99 thereafter. Customer service sucks!. Just stay away!!!

    67. Jazmin September 5, 2014 at 11:49PM

      I just received this offer in the mail (Sept.5,2014). already, I have called by TEL to submit my info as well to have my application approved by the company. I’m starting to regret this as well.

    68. mandy September 5, 2014 at 2:04PM

      As long as you pay on time
      you will be fine
      I paid 9.95 for express payment and next day that credit is available
      using my savings acct

      • MrsB September 15, 2014 at 8:17PM

        Express is what everyone wants you to do. I’d do that too but leave a small balance in the express pay account, much like the PayPal account for eBay. Then, if there is fraud activity, there’s just a small amount that goes missing.

    69. mandy September 5, 2014 at 2:03PM

      I got this card in mid Aug with a 400 credit line.I used it for our rent a car
      and a lot of small grocery transactions.I made 2 80.00 payments in 3 weeks
      I like it and no problems.Actually they just sent a new pre approved card offer in the mail for another CC but address is Texas

    70. Treva September 3, 2014 at 10:44AM

      I read a comment suggesting when I call to try to cancel to just hold on as though I have an old rotary phone. The automated system hung up on me. Does anyone have a number I can call to speak to a live person? Thanks.

      • George September 10, 2014 at 11:01AM


      • MrsB September 15, 2014 at 8:27PM

        The number I called was 1-877-825-3242.
        The hold is a long time, so I just put my phone on speaker phone and played backgammon online til someone answered, which they did, about 15 min later. I’m sure their lines are busy. Either that or they are all playing cards in the call center and just messing with us poor schmucks :)

    71. Treva September 3, 2014 at 10:20AM

      I just applied for a Credit one card and now I wish I didn’t. Does anyone have the phone number so I can talk to a live person and cancel?

      • MrsB September 15, 2014 at 8:29PM

        Put your request in writing and keep a copy of the letter for your records. A paper trail is vital should they say they didn’t receive your letter. I remember an account I had a time back with Capital One and made 5 photocopies of a request, which I sent with five different stamps. They finally got the message.

      • KaTrena September 22, 2014 at 10:47AM

        Send a copy of the request to all three credit bureaus so they will know that you are attempting to cancel this card. They are lightly to report you negatively so the documentation will cover you.

    72. david August 29, 2014 at 4:26PM

      Had this card for just a few months and regretted every minute of it. Wasn’t getting a bill mailed to my house (even as I asked for a resend), customer service awful, and canceling the card was very difficult. It’s not worth the aggravation. If you get an invitation to get their card, shred it and put it in the trash as soon as you can. Hidden fees everywhere, too.

    73. Martin August 26, 2014 at 10:19PM

      I applied for a Credit One Bank card but have not been receiving the card. After several attempts calling them to report card lost and that they will send a replacement and not receiving them I received a letter saying card was activated but since there are no payments the account will be closed. Now I receive a letter indicating I have a balance on the account which looks like it is for the annual fee and late fees. How can I activate a card that I had not received? I already filed a complaint with the BBB.

    74. Jennifer Zinn August 26, 2014 at 8:42PM

      Their credit card is more for people with no credit, but they approve just about anyone with bad credit too. I had their credit card back in 200.. something I used the card for many years, it was expensive but I had no complaints until I missed a payment one month.I paid the card off in full and then I went traveling abroad. I forgot that they were charging me month to month yearly. Well, I didn’t pay the 1st month and I didn’t realize it until I looked at my credit report…. I check it nearly daily and it was 32 days late from the only charge was the monthly balance I called them up immediately and rectified my oversight. So now on the 45th day they refuse to remove the late charge from my credit reports,

      Pathetic business practices.

    75. sasy August 19, 2014 at 4:11PM

      well i dont think credit one bank is a scam i had really bad credit for being young and dumb in a course of 2 yrs my credit went up i now have gotten approve to 8 cc thanks to them so both companies help only thing is that credit one bank charges but hey ipaid and have gotten good credit cant complain from going from – to +

    76. Sheila August 18, 2014 at 2:20PM

      I just did the credit application, but I have a feeling I am going to regret it. I am currently waiting for the card to be mailed, but I WILL NOT be activating the card and cutting it up. But before I do all that; I will be photographing everything that comes in the mail. Then follow up with the proper investigation authorities. These comments really opened my eyes about this scamming, fraudulence, illegitimate company.

      • Mel August 29, 2014 at 8:22PM

        Did you receive your card? If so, were you billed right away without activating it?

    77. steven August 15, 2014 at 3:00PM

      After reading almost all these comments more bad than good, can anyone who still have or use this card tell me if their credit score has gotten any better from the 3 credit bureau’s?

      • someone to help August 17, 2014 at 1:08AM

        Mine went up 15 points just for opening the account… lets face it someone with decent credit wouldn’t be looking at this card but if you are ready to rebuild you have to start somewhere. It may be expensive but to rebuild you have to pay for it. Complaints are everywhere on here but I dont think its acceptable to blame a company for late payments there are many ways to pay and even for a discrepancy just make a minimum payment again what the worst that will happen you get a credit on your account?!? The way I’m using this is like my debit card and paying it in full leaving about 25.00 on the balance and I have had no issues. The payment processing is ungodly long but I plan it accordingly. I would recommend this company to rebuild credit and by all means if you have perfect or good credit I’m sure you wouldn’t be looking at this page I would be looking at all those zero percent interest cards. Also just a tip I filled out the application and hit the back button three times before I got the 35.00 a year fee with 17 percent interest.. it is what it is but I usually pay it off every two weeks so I don’t have to deal with the 17 percent good luck and be responsible with it and I’m sure you will have a great experience with this company.

        • tryingtohelp September 5, 2014 at 12:28PM

          U might want to double check your info about not paying interest… they put it on there when transactions post to the account not 25 days or so later if you carry a balance.

      • Denise September 12, 2014 at 8:33AM


        Hi, my name is Denise. I have been reading all the messages on here and I am just shaking my head because I got an application in the mail after my 2nd ex messed up my credit really bad. I applied for the card and have had it for yrs. Now. My limit started with 500.00 and now it is up to 2,000.00. I have never been late on a payment. I do get a charge once a month for a think 8.25 annual fee which I don’t mind instead of being billed at one time. They always have sent me a notice when they were going to raise my limit and have charged me 9.95 to raise it which is weird I guess but it has helped my credit. But if they were a scam I don’t think they would still be around. Like I said I have never had problems with them. Hope this helps u. Denise

        • Tom September 15, 2014 at 12:55PM

          Nice try, Credit One employee.

    78. Natalie August 12, 2014 at 12:53PM

      I DON’T EVEN HAVE AN ACCT WITH THEM!!! They just keep calling me. I am not sure what to do but I am really mad.

    79. Tami August 8, 2014 at 4:50PM

      Ughhh…I am so angry just looking at all this…all I was doing was simply looking for the site to make a payment to…and here I find all this…makes me sick to my stomach, I just wanted to rebuild my credit thats all…I don’t need their bs!!! And I certainly don’t need any ignorant boasting from some high and mighty like John R..either!!!! All I ask is to be treated fairly, have I had I haven’t do I think I will ummmm yes??!!! After reading everything I have, I look forward to it…I should’ve know better than to trust a company who closes your account just because you didn’t activate it fast enough…well I guess I’ll just cancel the card and pay it off, I have a different card with a bigger limit anyways, just thought that maybe if I had a new one it would bring us up…trouble…sheesh don’t need any of that!!!

    80. Raka August 1, 2014 at 9:36PM

      Credit one bank is a big scam.

      • Dan August 11, 2014 at 4:12PM

        I have a credit one credit card never late they keep calling me they said I have not made a payment since may of 2014 which is not true when I checked my bank account I was at work when I tried to talk to them which you can not under stand what they are saying when I told them I would check with my bank to see what was going on they just kept trying to make me give them info for my bank so they could go a head and take out some money instead of letting me check it out first as I pay on line piss on them it will be canceled they will try to scam you so if you have or think about getting one of there cards BEWARE Dan wv

    81. Jon smith August 1, 2014 at 4:11AM

      I called to cancel my card.
      Before the rep started to talk i notify them that this call is being monitored and recorded, as the rep to state there name and confirm yes or no that they are a rep of credit one. Once my card was cancelled I had them say the cancellation of confirmation number twice. Before i hung up i said someone will be calling within 24hours to verify cancellation with confirmation number. Guest what? Called back. Its cancelled. No issue.

      • Patricia August 4, 2014 at 7:40PM

        Can you give me the phone number that you where able to talk to someone. I had called the # on the card and on their web site and I can not get a live person.. I am trying so hard to close this card. Thanks in advance.

      • Anna December 1, 2014 at 11:49AM

        I did not ask for a cancellation confirmation number. OMG. Let’s see if I get my $75 back.

    82. John R July 30, 2014 at 1:28PM

      I first applied for this card about 3 years ago because I, like many was trying to rebuild my credit. After reading all these bad reviews I am baffled! I’ve never once had them call me, I’ve never had an issue making payments online….NOTHING! In fact my limit has gone up almost every 6,7 months. Yes they add a fee of like $50 if you accept the increase in credit limit but, no biggie. Now I have a limit of $2600 from an original limit of $500. My balance is $1200 and I am paying it down and have never had ANY drama with them. My only regret is that they offered ma another line of credit and I took it, for what I don’t know hahaha! So now they will charge me an annual fee on a card I don’t even use. Kinda lame yes, but I pay my stuff on time and have gone from a 560 credit score to a 720 credit score!! I now have a Citi Preferred Card, a Chase/United Plus credit card….I’ve definitely gotten where I wanted to go! If you pay your stuff on time people, no one will bother you! Plain and simple! I read so may reviews that start, “My husband los his job” or “I missed only ONE PAYMENT,” I’m sure some are true and I’m sure some are exaggerated! If you don’t pay your stuff, YOU WILL SUFFER no matter what the excuse! Its not their job to care if you lost your job or your hubby passed on, they want their money! When we sign we are agreeing to this simple fact and if you don’t want to agree to that the answer is easy, “DONT SIGN UP!” I now have great credit and pay all my stuff on time and I keep doing whatever I can to raise my score and it still keeps going up! Great credit is very important and I do all I can to keep it like that! Credit One Rocks, even if they charge $9.95 for instant payment posting or $35 for the annual fee because they helped me build up my credit again!

    83. LS July 29, 2014 at 5:27PM

      Just received an email stating that I was approved and my card is in the mail…….. After reading these comments, I don’t believe that I will be activating it…..

    84. Don July 24, 2014 at 11:26AM

      My story is a bit different from any of the ones I read below. I got the pre-approved, five-star, moonbeam-special card offer in the mail a few weeks ago. I was going to toss it, but then figured I’d give it a try to see what happened.

      Since then my “application” has been in a “processing” status on their website and just yesterday I got a letter saying I had to submit further documentation for them to keep processing my application: a copy of my driver’s license (or state ID card), a copy of my social security card, and a current W-2 or wage statement, or a copy of my current utility bill.

      They also said if I didn’t send them the documentation in 30 days, they “will consider my credit application canceled” by me.

      Gee, what happened to me being such an acceptable risk that I was pre-approved in the first place?! This letter makes it sound like I’m groveling to get a credit card from them, when I was responding to an offer made by them to me.

      I kind of expected that maybe I’d get approved, but for a lesser amount. I never thought I’d get a response like this. I was going to shred the letter, but now I think I’ll hang onto it, after reading some of the stories below – maybe I’ll be sent a card and charged an annual fee even without responding to this letter and sending them the documentation they say is “required to continue processing my application”. I may need this letter to document that they said that not responding would result in the cancellation of my application.

      • Marge September 5, 2014 at 1:21PM

        DON’T send them any of that information, they don’t need it. I was sent an invitation for this card and I accepted in online and had a credit limit of $300. I received the card within 1 week.

    85. JBSmith July 21, 2014 at 4:24AM

      Last July, my wife and I were heading to Vegas. We don’t have credit cards, not because we can’t get them but because we choose not to use them. We received an offer from credit one and thought it might be a good idea to have a card with us when we travel so we called the number and spoke with a woman who said we qualified for the lower interest rate & no annual fee. She would send us the card asap.
      The card did not arrive in time for our trip but was waiting for us when we got home. Actually, the card and the first bill where there. When I opened the bill I was shocked to see the $75.00 annual fee & other charges! I called them and was told “we never told you there would not be an annual fee” i told them to cancel the card and send me a cancellation conformation. The extremely rude middle eastern woman gave me a reference# and hung up.days later I received another bill… then another.. then the calls started. I sent a letter (crrr) confirming that I canceled the card. I called and was told that the reference number did not match their records and meant nothing. They called harassing both my wife and I. I have written letter after letter. .. to no avail. They sent the account to collections marked it as charged off and have put a huge black mark on my very good credit. My fight is not over… far from it. I just hope reading this will keep others from making this awful mistake. … the nightmare continues.

    86. Gene July 5, 2014 at 11:47PM

      Obviously credit card issuers are businesses that need to make money, it should not surprise anyone that companies extending credit to poor credit risks need to be compensated and that these fees and charges can at times be expensive. Credit One and other fee harvesters are not extending credit for the underserved but instead exploiting consumers through high fees, charges, and other limitations that essentially provide zero useable credit. Consumer protection laws recently enacted require financial institutions to provide consumers with required disclosures and put limits on charges yet Credit One’s entire business model is based on hiding or obscuring the fact that they are not exposed to the credit risk of individuals as the low limits and high fees of a Credit One card have been designed with expectation that vast majority of accounts will be written off. CreditOne actually hurts the credit score of most of its customers by putting them deeper into debt. This business model is based on writing off as much as 40% of all new accounts and selling them to associated debt collectors. This card from Capital One will not help the vast majority of people building their credit, this is of great interest to regulators. If you have any negative experiences make sure that you accurately document your interactions and forward this information to both state and federal regulators.

    87. Jenny July 3, 2014 at 10:55AM

      Caroline, below, says it all quite simply. I wanted to add another interesting bit. I’ve been trying to get my credit back on track, so I opened this account. I’ve been on time (buying groceries etc & paying balance immediately), but there was one month in which I was one day late. A week later, I began receiving “scam” calls from Bank One, but they don’t announce they’re Bank One. They say you have won a $100 gift certificate from Walmart and that you have to stay on the line in order to receive your prize. I received those calls once a day for weeks and weeks. It’s been over a month now. I simply hung up. The reason I know it’s them is because I googled the number and online, there’s a site where people write in on the numbers they’re being harassed by. The calls were coming from Bank One, AND the consumers were saying that many of them PUT BANK ONE’S NUMBER IN THEIR CONTACT LIST ON THEIR PHONE. Apparently that’s not a good idea, people. Too late for me, they’ve *got me*, but many of those people didn’t even own a Bank One card, nor did they owe them money. Unscrupulous Company. STAY AWAY.

    88. caroline July 2, 2014 at 6:59PM

      Run by Las Vegas gambling guys. They ruin your credit. They prey upon minorities

    89. T. Anthony July 1, 2014 at 1:41PM

      Please do not use this card. I got the first invoice with a $25 late on the bill already. I never the first invoice until after the past due date. I called to inquire. The supervisor said he would reverse it only if I made another payment. I am cutting the card up and reporting to the Federal Trade Commission.

    90. Adrian June 28, 2014 at 7:38AM

      I’ve been ready all the comments for Credit One and it doesn’t sound like a good decision to hold one of their cards.
      However, what a lot of people fail to realize, this card is issued to poor credit users to either rebuild credit or continue in the dismal spiral of credit card debt. Used correctly, it is actually a decent card. I’ve had this card for over a year and have had no problems. Then again, I don’t use it for everyday purchases like shitty McDonald’s or shopping sprees at wal-mart. I keep my balance @20% and pay interest and annual fee because I am using it to build up my credit, like this card was intended for.

    91. Todd June 23, 2014 at 12:17AM

      Well, Teri’s story makes sense to me. Who would use a credit card that charges 19% to buy overpriced coffee at Starbucks. That would definitely send up a red flag if I was the bank giving credit to someone who was rebuilding credit and right away they are making poor buying decisions.

    92. REYNA O June 12, 2014 at 12:31PM

      I received a call regarding a past due balance from this Credit One Bank visa card that I was not aware was opened under my name.. I never opened this account and was not aware it existed. It’s scary to see that this company can easily give credit to anyone.

    93. Teri June 11, 2014 at 4:07PM

      Up until a month ago I would have reccomended this card. It’s low limit but it does help build credit. But about a month ago my card stated getting declined. I would call and in order to even get to a person I had to go to to figure out how to talk to a person. Each time I was told that the card was declined and a temporary block was placed on my card because the Vendor was high risk (McDonalds, Target and Starbucks were the three vendors)and the card can not be used at these vendors. My card was just blocked a fourth time and this was the converstaion:

      Me: Yes, I’m calling because my card was declined at Starbucks and I want to understand what is going on.

      COCC: yes, ma’am, there was a charge at Starbucks which is a vendor that we do not accept so there is a temporary block on your card. I can remove the block and the card will be active in 48 hours. Let me talk to my supervisor and I’ll be right back.

      (five minutes of elevator music)

      COCC: Ma’am, since your card was compromised I can send you a new card.

      Me: My card was never compromised, I attempted to make three charges that you declined. But they were my charges, so how does that make my card compromised.

      COCC: I understand ma’am, let me talk to my supervisor.

      COCC: Ma’am I will remove the block on your card and it will be available for use in 24 hours.

      Me: Thank you, can you tell me if it will still be declined at certain vendors.

      CCOC: Yes, ma’am, do not use the card at Starbucks.

      Me: Okay, can I use it at Target and McDonalds now? or are they still vendors that you do not accept.

      CCOC: I do not know ma’am, but you should not use the card at Starbucks and after you use the card a block will be placed back on your card in 48 hours anyway because your card is compromised.

      Me. Wait, so you are telling me that even after you lift the block my card will be blocked again in 48 hours?

      CCOC: Yes ma’am that’s why I offered to send you a new card.

      Me: Please send me the new card.

      CCOC: Yes, Ma’am.

      Me: Once I get the new card will I be able to use at at every vendor?

      CCOC: You can not use the card at Starbucks.

      Me: Are there any other vendors at which I can not use the card?

      CCOC: Yes Ma’am.

      Me: Can you tell me what vendors will be declined so that I don’t get a block on the new card?

      CCOC: I do not have that list, but don’t use the card at Starbucks.

      Me: Will the company send out a list or a bulletin of vendors that won’t be accepted?

      CCOC: No ma’am.

      Me: If I use the card at a blocked vendor will the card be deemed compromisd again so I won’t be able to use it?

      CCOC: Yes, ma’am.

      Me: So what you are telling me is that my current card is considered compromised even though I verified that I made the charges that were declined. That you are sending me a new card and that I can’t use that card at several vendors, but you don’t know what vendors. And if I use that card at a blocked vendor the new card will be declined and placed on a block. And once it’s on a block I can get the block temporarily removed, but the only way to have it permanently removed is to get a new card?

      CCOC: Yes ma’am, I’ll send out that new card.

      I’m struggling as to why I should have the card in the first place. I can’t use it.

      • Gary Kang June 25, 2014 at 8:14AM

        Hello there, I just saw your comment and you’re actually right. Credit one just created a new program that will block “suspicious” merchants from using their credit card to avoid fraud transactions but they went overboard. Aside from ripping off people bec. of their outrageous interest charges, they also add this “hilarious” program to protect their customers from unauthorized charges. But it’s funny coz mostly the merchants that are being blocked are Walmart, Starbucks, target and other famous merchants. I once asked a supervisor why they are making it very hard and complicated for customers to use this credit card but she only apologizes and told me they would just replace the card.Seems they also do not know the answer and has very lame excuses. How can you issue a credit card but you only blocked it for no reason at all, just that it’s compromised but as Teri says, a card is only compromised if you did not authorize the charges. Actually, you can ask to speak to a sup and threaten them to report to the Better business bureau so they will fix this program. They will actually respond right away coz they are scared and I heard that someone reported them to the BBB and won the case.

        • Mike June 25, 2014 at 10:07PM

          You do not ‘win’ a case with the BBB. It’s a complaint bureau that simply tries to help resolve complaints – if they send a complaint to a company, the company’s response, or lack of, simply results is a ‘resolved satisfactorily with the customer’, ‘resolved but customer not satisfied’ and their complaint volume/response record factors into the ‘grade’ the company gets in the eyes of the BBB.

          The BBB has no clout, no regulatory authority and is becoming more obsolete over time. If you have a real beef with a company, find out who regulates or otherwise can cost them to lose money…OCC, Fed, state Attorneys General, etc. Don’t waste your time on the BBB.

      • steven August 15, 2014 at 2:46PM


      • Angel September 10, 2014 at 5:25PM

        WOW!!! That makes absolutely no sense!!

      • Credit one are SCAMMERS October 17, 2014 at 5:21PM

        You are nice I would have cursed their arses the f out and demanded a list of vendors. Thank you for writing this I will be getting that list within the next 7 days and posting it here.

    94. Matthew June 7, 2014 at 6:30PM

      I got this card some time ago, and I just pay it off. No issue if you just pay off the balance. The key to credit is payment history. If you have good payment history, after a year a bank will work with you no matter your score. The best idea is to get a secured card with a major bank. Increase your credit line by$100 every month, more if you can. What that does is show higher credit line, but more importantly, less credit utilization which is also a big part of your score

    95. read it! June 6, 2014 at 9:40PM

      before you agree you should read all the terms and condition.there are no bank that will allow you to borrow their money without any interest. The only problem that i saw was when we recieved an offer we are striving to get that offer because it is money. If we are paying on time there are no problems but if we are not that is the time that we will get irate that is not the banks problem. The bank asked you if you want to activate the account and you respond a very hard and strong YES!so it is the banks fault?

    96. Josh June 1, 2014 at 1:22AM

      Overall my experience has been ok. Got approved for $300 limit. With 35 annual fee. Not happy about only getting 300 when I make over 3k a month I was expecting to get 500 minimum. But my wife got charged 75 annual fee for the same card and her credit was better than mine! We may get a secured card with capital one only because credit one declined my limit increase all I wanted was 500-700 increase. I’d rather drop 1k in a secured card and pay no fees than deal with company that doesn’t want to increase my limit.

    97. Jackie May 28, 2014 at 2:57PM

      I keep getting a packet of my “pre-approved credit card” in the mail from Credit One every month. I finally got tired of it the other day and called to opt-out. Yeah, well they would only take me off of the mailing list if I gave them my SSN. HA!! Do they think I’m an idiot??? After fighting with an Indian man for half an hour, and him only pressing me for my SSN and not caring for my name or address, I told him I’m reporting this business to the BBB and hung up. I’m filing a complaint ASAP!

    98. Ashley Wentworth May 26, 2014 at 10:48PM

      DO NOT USE THIS CARD!!! They allowed someone to become an authorized user on my account with even notifying me. This is someone I don’t know who hacked my account. It has become a never ending nightmare. I tried to close the account several times, each time they assure me it has been closed, and yet this person has now set up a recurring payment of $1,000 every 24 hrs from my bank account. Credit One takes no responsibility. I am now in the process of prosecuting this person, but it takes all my time to do this, since she (the thief) lives somewhere I’ve never even been.

    99. Lena May 18, 2014 at 6:12PM

      I just registered with BBB a complaint about this company
      hoping they can help

      • Ashley Wentworth May 26, 2014 at 10:49PM

        What BBB did you use? I would like to do the same.

      • Gary Kang June 25, 2014 at 8:20AM

        heard someone won a case against Credit one and they paid him. goodluck and you’re doing the right thing, just research more about them so you’ll know their flaws.

    100. lena May 18, 2014 at 6:10PM

      This credit card company is a FRAUD!!!!
      I just register a complaint with the BBB online
      hoping they can help

    101. Andrew Bishay May 17, 2014 at 4:52PM

      After countless phone calls I had the 76.50 worth of charges removed and my initial fees refunded. They first stated 5-7 days. Now its 30 days before I’ll catch my refund.

      Holy Fraudulent overseas joke of a company. As soon as I threatened any sort of asking to speak to a manager. They stated it was their mistake and my account was closed as soon as it was opened and i’ll be getting all my money back. So they cashed my check after my account was closed.


    102. Melissa Stoudt May 13, 2014 at 9:43AM

      I received a credit alert from my credit monitoring company (still fighting identity theft issues that started 12 years ago)that there was an inquiry on my credit. I checked and it was this company credit one. I have a capital one card so I knew it couldn’t be from them. I immediately contacted the credit bureaus and disputed it. Next call was to credit one ( actually got a person, although not American, not from India either to my surprise)anyway I told her I did not apply for this card and it was to be removed from my credit immediately! She said that although the card had not been activated there was still a balance for the “annual fee” I proceeded to tell her that my attorney would be in contact. She asked me to hold for a moment, 5 seconds later she told me she spoke with her supervisor and the account has been canceled and all fees reversed. We shall see. She even gave me a ref#. I am going to see where this company and card goes. Fingers crossed that I don’t have to sue…..

    103. Demetrios May 13, 2014 at 6:28AM

      I hardly ever write reviews… but my experience has been so bad. Trying to write this review without getting emotional is difficult. I’d like to go off here! However… Like many… I had lost my job and like many I needed a credit card to start building my credit score back up but unlike many who have great reviews… I don’t work for Credit One!!

      I can deal with the $75 annual fee up front and the fact that they reall should have a third option on the phone for which language you’d like to choose because forgive me… But every time I choose English as the language… it’s barely recognizable as English. But these issues aside… I recently was hired for an incredible position and in order to begin, I’d have to rent a car for first two weeks out of pocket and figured I’d use this card just for that. First time was a nightmare because I wasn’t aware that I was going to be charged the annual fee up front. So I was declined at the car counter for the car (needed it for a week). That day (Monday) I immediately called and paid the “express” (translated ‘are you kidding me!’) payment so I could have the funds immediately and it took three days to post to my account.

      I was able to get the car eventually. Next week I needed a car again. I paid off the amount needed to rent the car. Did the “express” pay option (see translation above) on a Thursday live on the phone who guaranteed me it would post on Friday well I’m writing this on Tuesday and it still has not posted! In addition it shows that I have $242 on the card yet!!! My credit available is -$35 and I can’t get a straight answer as to why I’m in the negative!! I’ve only had this card for two weeks and made two payments on it to keep the credit available… And somehow I’m in the negative!!!

      Oh yeah… I live on the east coast of the US and good luck on customer service. They aren’t available until 9am eastern time. I’m hosed on getting a car this week with my new job and I do feel. Eru sorry for the next person who I eventually speak to on the phone. I’ll press one for English, and they may actually learn a few new words!

      Yup I’m angry… But I swear this isn’t a mistake on my part… They are wrong on my credit availability and I’ve added up my charges, their charges, and my payments posted numerous times and it just doesn’t come out in the negative!!! NOT even close! I should have at least $175 credit. I’m so confused and they are too… but they win! There is nothing off the script they read that apparently can give me a straight answer. And now showing I’m over my credit limit concerns me that it will effect my credit score! Godspeed to those of you who use it!

    104. Linc46 May 9, 2014 at 2:35PM

      I just cancelled this card. Cannot believe that they put my account into a past due ammount and charged me a late fee the same day they they charged
      me with their card fee. What a ripoff. I carried less than $50.00 balance and had a $800.00 credit limit. My suggestion to anyone that might be looking to do business with this group. Run, run as fast as you can from this card. Definitely not good for business. I give them a two on a scale of one to ten.

    105. Heriberto May 8, 2014 at 2:47PM

      Is till don’t know how Credit Bank is in business. This credit card is a complete fraud, rip off and or scam.
      Please help us to bring this company to the law attention.

    106. Willytown May 8, 2014 at 1:35PM

      I have had this card for about 6 months. This is a good credit building card if you know how to use it. 23.9% on a purchase is $2.39 for borrowing $100.00 for 30 days. Whats wrong with that. You do have a credit card. Pay your bill monthly and you will be fine. Pay only a little and your going to get sticker shocked. Your choice.

      • Laura May 15, 2014 at 8:15AM

        according to the information noted in the fine print, you will be charged 23.9% from date of purchase, not after 30 days. I’m confused by your comment.

      • Aaron June 23, 2014 at 9:52PM

        That would make it $23.90 on borrowing $100, not $2.39. Seriously, someone gave you a credit card with your math skills?

        • Michaelangelo October 25, 2014 at 9:01PM

          Actually, you’re both wrong, but Willytown was closest to correct. 23.9% is an APR, as in ANNUAL percentage rate, which means you would pay $23.90 for borrowing $100.00 for 365 days, not 30 days. To find out what you’d pay for $100 per MONTH, you’d then divide the $23.90 by 12 months, which means at 23.9% APR, you pay $1.99 per month to carry $100. I’ll take it.

    107. sixmonthsstrong May 8, 2014 at 11:24AM

      I’ve had this card six months with zero issues. Started with 300 limit with full knowledge that this was a repair-my-credit type card and after making the initial payment they bumped me to 500 and since then I’ve used it to about 30-50 a month then pay it off in full, they report each month on time and my score has risen 40+ points. The problem is mostly when people with bad credit take yet another card they can’t handle, they almost max out the card and then they cry foul. I was completely irresponsible with my credit when younger but now own up to everything as should all the people crying foul. It’s not necessarily uncommon knowledge that people with bad credit expect diamonds and first class treatment when given a card based on trust. Grow up people …and no I don’t work for Credit One lol but I’m sure half of you will think that to continue deluding yourselves, which is why you will always have bad credit.

    108. Ju May 8, 2014 at 8:07AM

      Credit One is definitely a fraud. I was advised to get them because of my low credit score, but way they over charge they will only bring my credit score further down. I received a call informing me of my monthly payment. The guy ran info, never gave a confirmation number, and when the phone got disconnected he never called back. Not to mention when i tried to call back the system we’re closed call back at normal business hours, but you just called me. They are rude, very uninformative, super unprofessional if you have the chance RUN AWAY FROM THIS COMPANY BEFORE ITS TOO LATE!

    109. BB May 7, 2014 at 7:34PM

      Hate this card and company. I haven’t had credit cards for many years because I abuse them, and in January, I decided to go with the pre-approval that they offered. What a rip off!!!

      One month, I paid the balance off using the express pay and they don’t include the $9.95 charge for that on the payment. So, the next month, when I thought I had, “0″ balance, there was the $9.95 fee!

      I missed last month’s payment, and they immediately charged me the $25.00 late payment fee as well as stopped the use of the card. So, they penalized me with a fee as well as not allowing me to use the card!

      As soon as the year is up on this scum bankcard, I will close the account. I won’t close it now, because I did pay $75 for the ‘privelege’ of using it.

      Do not sign up for this!!!!

    110. The REAL Murrays May 7, 2014 at 12:56PM

      My Husbands ex wife received one of these in the mail with my husbands name on it as a pre-approved credit card …… Needless to say she signed up for the card and was approved on his information. she then defaulted on the card and it is showing up on my husbands credit report. We called them advised them we never signed up for the card and I asked how it was approved. The idiot on the other end of the line advised me it was done through a mail offer and signed up for through the internet.

      Currently disputing it through the credit reporting agencies as a fraudulent account. They finally sent us a letter stating they were investigating it. My thought process is they better investigate it or I am going after them for Identity Theft, Fraud and whatever else my attorney can come up with. NOT our account and I am NOT having it ruin our credit rating!

    111. RS May 7, 2014 at 12:17PM

      I mistakenly did the approval online a few days ago. It was approved and but I have not received anything in the mail. After seeing this I called and said I have no received anything in the mail and I would like to cancel. After a few minutes on hold she said its cancelled and disregard anything I get in the mail and anything on my credit has been reversed. I hope this is true.

      • amber May 9, 2014 at 6:19PM

        I too did the mistake of doing a pre approval over the internet and I haven’t recieved a card in the mail yet but after seeing all this I refuse to use it so I will too also call and make sure to decline the service and hopefully they won’t charge me monthly fees?

    112. Edina May 1, 2014 at 10:31PM

      I dont even know where to start, i took the pre approved card because i needed the money. This company is the lowest scum ever they ripped me off i got approved 500$ and with in 5 days they send me a letter stating that i have only 400 available and i thinking spend like 150$ on the card and when i wanted to make my payment it said my balance was 483$ i have no idea where the rest of the money went when i tried calling them they were very rude tomorrow am just gonna close the card never want to work with them again. People please be careful they will rip you off.

    113. Jackie r April 25, 2014 at 8:44PM

      I called the automated System for my Pre-Approved Credit one credit card. Right after that I called to let them know, my last name needs to be changed ,Because I got married. and I need to make sure they have the right last name. The lady said , it didn’t go through . She said reapply. Was very rude and hung up on me. I thought, forget that , I just don’t care to have one. So 5 days later here the card is… wrong last name. I’m not going to activate this card. Sending back with a letter telling them wrong last name. I can’t use it. And I didn’t reapply. After reading all this I don’t need this card . I should had looked closer … I got my Nordstrom Credit card 3 months ago . I don’t need this mess . Sorry for all of you.

    114. Brandon April 22, 2014 at 6:43PM


      • Shelley May 1, 2014 at 1:40PM

        do u think that would be possible?? I am about to get an attorney to deal with these people because i have never been so screwed by a company. i have been dealing with them for almost a year trying to close my account…it is unreal

    115. Anna April 22, 2014 at 12:50PM

      I got this credit one last year I activate it right away then after activate I only had 175 left out of 300 they charge me already , so I search in Google and I found out its a big crap,so I call them right away and complain then it old them to closed that right away ..after that solve ,I was just lucky I figure out early :)

    116. audrey44 April 18, 2014 at 8:11AM

      To cut thru the offers and run around just let the customer service know the following, just say I am filing for bankruptcy(not really) and they will cancel it immediately, minutes WOW!!

      • Shelley May 1, 2014 at 1:42PM

        that works??? ive tried threatening a lawyer and they STILL sent me a NEW CARD, after they told me it was closed months ago…ive never experienced anything like this.

        • napleskk May 8, 2014 at 8:44PM

          OMG…going thru same ….tried to pay online….no….got caught in a loop (granted I’ve never used this card but $81 later…bs). Tried to call online ….lost card…they said well we send you a new one. I said I DO NOT WANT A NEW ONE I WANT TO CANCEL. They said they have to send one anyway. Lets see how long THIS nightmare continues. What a rip off and bait and switch.

    117. Marie Avila April 15, 2014 at 4:55PM

      Please!!! Do not open an credit card with them (Credit One Bank)……..they charge for everthing,… I just paid my balance 3 days ago and today I have $21 dlls in my balance, I call them and they need 21 days in order to close the account and I have to pay any charge incurred in those days……..That people is rude and they dont know how talk to customers, the guy was talking to me like I was an Idiot, haha, hello!!..they dont know how to explain the charges……..I am out of it!!!…..go to Capital One, They are a real Bank!!!…………..good luck….

    118. jk April 14, 2014 at 9:53PM

      Oh boy. Just activated It a cpl of hrs ago. Haven’t used it, and after reading all these complaints, don’t plant to. Hope I Can Close It.

      • Shelley May 1, 2014 at 1:42PM

        GET OUT NOW

      • LS July 29, 2014 at 5:02PM

        Awww man, I’m thinking the same thing…..

    119. JOHN BARDT April 14, 2014 at 8:27PM

      I have paid my account in full and REQUESTED that my account be closed. But before the check can reach the bank my account accrues more interest. HOW CAN I PAY THIS ACCOUNT AND CLOSE IT? There seems to be no way to STOP these crooks from continuing to charge me interest.

    120. JOHN BARDT April 14, 2014 at 8:24PM

      I have paid my account in full and REQUESTED that my account be closed. But before the check can reach the bank my account accrues more interest. HOW CAN I PAY THIS ACCOUNT AND CLOSE IT?

    121. Marty April 14, 2014 at 6:43PM

      This marks my first year with Credit One, and it has not been a bad experience. Prior to getting this card, I had a low credit score because I defaulted on a credit card and there was an open collection on my credit report. That was a huge negative that I have fortunately paid off, the account is closed and now my credit score is 696. My credit limit with Credit One is now $800 and my balance is 0. They are fee laden; however, I as well as the folks who get there offers are “credit risks,” and your credit report details that. You have to pay when you’re considered a risk. I’ve never called Credit One because I never needed to. I pay my bill using the mobile app, and when I pay early in the morning, my account shows $0.00 as a payment due the next day, comes out of my account and shows up in my available credit the following day — has done that for a year. I probably won’t use them again because I have better cards now. But, I will continue to pay the $8 per month for another year. If you know how credit scores are calculated, you definitely don’t want to close your oldest account if it is the first one you got with bad credit. My advice is to read the terms of agreement for every contract you sign, adhere to those terms and you’ll be fine. Get the card, pay the bill and improve your credit. Remember that those consumers who are not considered credit risks never get offers from Credit One.

      • Texy May 5, 2014 at 4:01PM

        CreditOne is truly a fraud. I just found out today they charged interest whenever u use their card. I said, to the guy; I thought interest is charge only when am late? I mentioned, my other credit card don’t charge interest only when I pay late. His replied was, well credit cards are diff. They are not pleasant. I had found out I’m being charged for something I don’t purchase, I can’t track all my transactions online, when ask they don’t have any sense able answer for me. I had them for four months now, never late to pay & am gonna close my acct. with them. Score dropping or not I don’t care. They are crook.

      • Renee October 3, 2014 at 9:54AM

        I agree!

      • Ami October 26, 2014 at 10:15PM

        Thank you for the positive comment I appreciate it!

    122. Muwzik April 14, 2014 at 2:42PM

      I, too, have a Credit One Bankcard. Yes, I knew it was NOT Capital One when I signed on for it. I even remarked to my daughter about the similarity in appearance and name. I have used the card with caution ever since I got it,being sure that, if I could not pay the entire balance, I could at least pay a little more than the minimum required.

      Well, last night, I discovered I had a past due cable bill here in Mexico so I attempted to pay it online with the Credit One card. DECLINED. Why? I asked the female from India this morning. “That company is suspected of suspicious activity so you will never see us agree to pay them anything!” Now, I ask you, what sort of suspicious activity could a cable company in Mexico practice that would alert a bank in the US not to help its customers pay their bills in a timely manner?

      The other option we have in Mexico is to take the bill to a bank, pay it, and then take the receipt to the Cable company and they will agree that the bill is paid and not disconnect your service. So, armed with two copies of the bill and my Credit One bank card, off I went to a reputable bank here in Mexico. Handed the bill to the teller, followed by the Credit One bank card. He spent several minutes studying the card and finally said, “We have some issues with this company and I am not sure this bank can agree that you will have paid your bill!” So again, the card was DECLINED because the bank’s system would not accept it!

      I guess I will have a ready made savings account by the time I make a few more payments into it and then head back to the US!

    123. Jill B. April 14, 2014 at 10:18AM

      Credit one is a scam company. Suddenly your account on line in no accessible, then when you call the number to make payment all you get a busy signals constantly all day every day then you get charged late fees along with monthly fees, when you don’t even use the card. I cancelled them, I told them they were a scam and nothing more. I have not used this card since last year, balance is fully paid off and somehow I owe 56.00??? Ya go elsewhere people! You can do ALOT BETTER!

    124. Rizwan April 11, 2014 at 11:07PM

      Creditone card is the worse card out there. Glad that I paid off and will never go back. Best cards to build credit are from capital one.

    125. Josh April 8, 2014 at 9:31AM

      I just got my in the mail yesterday with a 700$ credit limit my annual fee as stated in the fine print and booklet is 45$ and they took it out of the card once I activated it which all credit companies do anyway! My Apr rate says in the fine print and booklet 19.90 percent Idk what kinda stuff yall were getting but it’s not from this company. But I really hope when it comes time to pay the bill that it doesn’t take that long to process. This is the only website I’ve seen that says this card is a scam. And they have offices in California Georgia and Nevada. I talked to Americans when I called today. So yall clearly didn’t get a card from this company yall were scammed by people in India !! And it told me my payments would process in 24 hours when I called the toll free number so yea..

      • Debbie August 7, 2014 at 7:17PM

        Get ready my fee is $125.00 a year.

    126. Jeff April 1, 2014 at 3:25PM

      Credit One Bank credit card is an India SCAM. False advertisement saying your automatically edible for x number of credit and when you receive the card is only good for $300. You incur annual fees charged to your account before you even receive the card in the mail and before you activate it. Also a selection of design of the card is charged. This total is about $109 out of maximum amount of $300 credit line in which only $75 can be taken out for cash. The interest is 23%+ which is ridicules. When you call an obvious american number you will find that you are talking to some scammers in India who are rude and are trying to get more personal information from you. Payments on line is impossible which is another game so you will always be late and continue to get harassment phone calls for a card you never used. DO NOT GET THIS CARD. After threatening them with getting in touch with the US Dept of State and the Chamber of Commerce for this obvious fraud, then and only then were reasonable and honored my request to cancel the card with no chargers, previous or otherwise cue. DO WHAT YOU WANT BUT YOU BEEN WARNED. Please report these people to the powers to be. Thank you for your attention.

      • Debbie August 7, 2014 at 7:16PM

        Yes, I just tried to close my card. My annual fee is $125.00. I’ve paid it for 3 years. I’m done. “Tried to close it today and they said I would still be charged the fee if I didn’t pay it off before the fee is charged on 9=5-14.

    127. komputerjeanys March 28, 2014 at 9:29AM

      The card service has been okay. I would say if you have little or no credit and have no other options to establish credit then this would be okay if you have good money management skills. Having this card will require you to be diligent in making payments on time. I have been given to line increases since I got the card in 2012 and it has been available to me in pinch when I have needed it.

      I will say I am not impressed with the customer service and the predatory fees, etc they place upon the cardholder. In my case, I got penalized for trying to make a payment a month ahead to help pay down the balance. I made a payment a day before the new billing cycle and they refused to credit that payment to my new billing cycle. Then they started harassing me because my payment for the new billing cycle was behind. Even when I called and explained that I paid the coming month’s payment early, they told me I could not do that. Total BS.

      Another thing they did to me was they locked me out of my online account so that I could not review my payment dates, etc while talking to a CSR.

      In short, you have to be REALLY diligent on when you make your payment…you cannot make it before the billing cycle comes out for the new month (it usually hits on 21st of each month for the coming month) and you if you don’t want to get hit with the express fees to make the payment go quicker, you need to allow at least seven days before the due date. This gives you roughly a one week window to pay your bill without getting with a fee of some kind.

    128. Toosmart2bsuckedin March 28, 2014 at 9:17AM

      To all of you who have accepted this “BOGUS!” card. Pay what’s owed and be done with it. You’ll come to discover you will be paying which seems like for ever!!
      And for those of you(including myself) who are on the fence about should you,or should you not fall into the trap, go with your first instinct. If something sounds too good to be true…… Don’t fall for the scam. I would certainly get the BBB involved. And go even further with it and contact your state’s attorney general. It’s a very high probability that your state attorney general will bring them to their knees. “GOOD LUCK TO ALL!”

    129. Sduerling March 24, 2014 at 3:09PM

      My Credit One account, which I thought was capital one, is closed but I am still being charged an annual fee. I called and they said, “As long as you have a balance, you will be charged a monthly annual fee. Is that legal??? I’m feeling ripped off!!!!!!!

    130. Shel March 19, 2014 at 1:44PM

      I just received mine last month so my daughter could start rebuilding her credit. Paid the $94.00 annual fee and then they increased my credit limit from $500 to start to $700.00. Now I am wondering if I should just eat that $94.00 and not use the card at all or cancel it. Especially if they are going to charge me a monthly fee as well! I didn’t see that part!

    131. Aly March 15, 2014 at 12:40AM

      Will I get charged $ if I don’t activate it ? HELP :(

    132. lindsey March 12, 2014 at 8:23AM

      I am on the phone with a supervisor named Andrew and he said they cancel your username and password so you have to change it for your security benefit. I just closed my acct with them. Never in my life have I ever been advised to keep changing your username and password to protect your acct.

    133. Stacey March 10, 2014 at 6:29PM

      My card is being declined everywhere….I mean everywhere. My Netflix and Tivo subscriptions (which I have put on this credit card for years) were even declined. I get the run around everytime I call in….Some crap about security breeches with VISA…..I encourage everyone who has one of these cards to cancel it….I think they aren’t letting any charges go through and still collecting their $8.25 a month from every one of us, therefore making a killing every month and they aren’t paying out anything.

      • Paul March 15, 2014 at 6:35AM

        I have one of these cards and it works just fine for me. I pay thru my bank’s Bill Pay online and it has worked just fine for the past year. I have been paying off the card each month and have accrued little interest.
        With my poor credit I don’t feel this is a bad deal. I am building credit and plan on keeping the card and will continue to use it when I need to.

        • Dillard March 18, 2014 at 6:56AM

          Yes, I too pay through my banks bill pay. Card works fine for me. I use it for gas and groceries & I also get cash back when I get my gas. I recently called for an increase & they gave it to me! I say, if your responsible, then this card is manageable. I don’t see closing this card anytime soon. Great credit building card!!

    134. Carol March 8, 2014 at 2:49PM

      I did research before choosing them. I needed it to rebuild my credit and for emergencies. I’m on a fixed monthly income and at a point where I can not make it month to month anymore on living expenses. I found a solution, use my capitol one card for living necessities and pay off the balance when I receive my income. Worked great until the other day. My daughter needed something for a school function immediately, when to Bon Ton and my card was decline, called and spoke to representative and was told there was a security breech at that store and for safety, declined my purchase. Then today when to Rite Aid for household necessities, including milk and was declined. Call Credit One again and was told rite aid, too, had a security breech. I’m so scared(financially)!!!! What is going on????

      • Danielle March 14, 2014 at 4:13PM

        I would like to know from Lindsey how she was able to close her account because I need to do the same!

      • Toosmart2bsuckedin March 28, 2014 at 9:08AM

        @Carol, I too received numerous offers from CaptialOne in the mail stating that I was “pre-approved”. They was starting me off with a $900.00 limit. I spoke to my family and others. Right off the bat, I thought this is just too good to seem real. Lo and behold, it’s a scam!! you’ll never finish paying for purchases made with this card. I was always told that if you are really “pre-approved” you DO NOT! have to go and submit additional information regarding your S.S. # banking etc., I threw my in the garbage!!! If I were you, I would pay them what’s owed, and throw the card away. Good luck!

    135. Carla March 3, 2014 at 10:09PM

      You know this card is a scan when you can’t find anywhere online on how to cancel it; then when you call it’s not an option. It’s not even under their FAQs online. Then the rep tries to talk you out of it when you call them. After reading these complaints I’m worried that I may run into issues. I went online and paid the entire total but I’m assuming I will receive a letter stating that they want more.

    136. card user March 2, 2014 at 11:26PM

      My opinion probably isn’t going to be popular but from reading the comments it seems like the primary issue at hand is not how bad CreditOne is but rather a lack of understanding of how to handle credit on the part of the customer.

      All subprime cards have the same basic structure, low limits coupled with high fees, and limited service and benefits. Call it extortion but that’s how money is made in the world of credit. As long as its legal it will be done. The Credit CARD Act of 2009 requires card issuers to tell you how long its going to take to pay off the balance, to be upfront with the fees, and they also have to let you know at least 45 days before any fees change. So unless you’re ignoring your T&Cs, statements, or letters you should know exactly what is going on.

      If you’e serious about rebuilding your credit why are you still doing the same thing and expecting different results? One of the tenets of good credit is that you don’t charge anything you can’t pay with in cash. That way if there’s a hiccup in your finances you’re not left scrambling to find a way to make the monthly payment.

      When it comes to bad credit a lot of doors close on you. There are limited options for unsecured cards in this market. If the fees are too high try going the secured route. If you can’t be 100% sure you will have the money to pay it back better leave it alone and go without. Credit cards were never meant to be an emergency fund or a right for everyone; they were designed to make money off consumers.

      I know because I speak from experience. It took me years to finally fix my credit rating and learn how to handle credit. Remember that credit is an excellent servant but a terrible master.

      • Lady P March 28, 2014 at 4:14AM

        Thanks for that comment! Well said. However, I am trying to understand why I was charged $4.10 on 03/26/2014 when I paid off my credit card balance on 03/18/2014? Are they charging me based on my balance paid off?

        • card user May 18, 2014 at 1:22AM

          You most likely don’t have a grace period. If you want to pay off your entire balance you need to get a payoff quote from CO directly, ask for a definite amount and date and make sure you pay that amount BEFORE they date they quote you.

      • steven August 15, 2014 at 2:51PM


    137. Dallas February 26, 2014 at 7:04PM

      Has anyone had any issues, as far as charging goes? I keep getting declined and when I call in, they give me the spiel about Visa blocking these transactions for my own good. I can’t shop at, virgin mobile etc. I find it hard to believe that these would be blocked for $30-40 worth of purchases. They act like they can’t control what’s getting blocked. Why would Visa issue licenses to these companies and then block the transactions? Makes no sense. Is this just a temporary state? Who knows? Everytime I call in, I get the same thing about Visa blocking the transactions, not Credit One.

      • italian February 28, 2014 at 7:29PM


      • Randy March 3, 2014 at 3:22PM

        I just got off the phone with them, they told me the same story about visa is declining transactions, not them. Sounds like a load of crap to me!

    138. Diana Friedlander February 23, 2014 at 9:23AM

      I though it was Capital one also. My bad. I am going to file a complaint as well. What a scam. It is inevitable they will eventually have a huge lawsuit. “what comes around goes around”. Also, I am file a complaint with the OTC.

      • italian February 28, 2014 at 7:32PM


    139. Mitch February 20, 2014 at 3:17PM

      I’ve had a CreditOne card for 8 months now. Bad idea! I should have cancelled after the first fraudulent charges appeared on my account. Now today, I call to see what my checking account balance is and I’m short $400 in my account.. Seems is they authorized a $399.92 payment from my checking account. Trying to deal with these people is a hassle as well unless you understand a thick Indian accent.. Total joke!!!

      • italian February 28, 2014 at 7:34PM


        • Danielle March 14, 2014 at 10:01PM

          YES THEY DO ITALIAN!!!! They ask for mine all the time, that is the ONLY way they will accept my payments. It kind of sounds like you are actually an employee of this card instead of a consumer.

        • Dillard March 18, 2014 at 7:01AM

          I pay using my banks bill pay account…..payments have been going through just fine. They never asked for my checking information and the payments post to the account in 1-2 days…..Maybe try that…..card user over a year now…..

      • Toosmart2bsuckedin March 28, 2014 at 9:11AM

        @Mitch, contact the BBB and write/call your state’s attorney general! I can almost guarantee it’ll be fixed.

      • Renee October 3, 2014 at 10:42AM

        How do they just take money out of your checking account?

    140. TMW February 19, 2014 at 12:56PM

      I just finished paying off my car, I will be closing, what credit card charges $8 for a 0 balance. Then it takes too long to post payments for an available but its quicker for them to take my payment out of my bank account. Im done with them, I have capital one and im going to build my credit with them. By me canceling I wonder how long it will take for this to come off my credit report?

    141. Alicia February 13, 2014 at 6:47AM

      We got this card as a means to rebuild our credit, and have an “emergency” card. We honestly thought it was a capital one card. Shame on us for not paying better attention. We’d been issued a $400 credit limit, and bought new tires for our car. As soon as the tax refund came in, I paid off the entire balance. Now I’m trying to verify that the payment has been posted to our account, but suddenly the info I used to sign up online is invalid. Even though I KNOW it’s valid because we use the same info everywhere! Annoying, for sure. After reading the complaints, we’ll be sure to watch our statements very carefully for weird charges. Will discuss with hubby whether or not it’s worth keeping this card after reading some of the comments.

      • lindsey March 12, 2014 at 7:57AM

        Same problem!!!! I paid my bill not even 2 weeks ago and I have a small balance I wanted to pay off today and all of a sudden my log in information is invalid

    142. brenda song February 11, 2014 at 11:37PM

      wORST credit card ever! Closed acct. Paid off within time frame and just received a bill that I owe $3 . assholes

    143. Annette Peterson February 11, 2014 at 1:25PM

      My first frustration was finding a phone number where you could actually speak with a person. I wanted to close my account and get the payoff balance. When asked why I explained that I did not authorize credit protection to be added to my account and if they used such practices I would prefer not to be a customer. The girl on the line said she would transfer me to credit protection and when I asked could they close my account she said no. I again stated I wanted my account closed. She then offers me no annual fee for a year and free credit protection. I again stated I wanted my account closed and just wanted to pay it off. I then had her offer free annual fee. How many times do you have to ask to close an account!!! I finally got her to agree to close the account and I again had to ask for the payoff amount. She ask if I wanted her to make that payment for me and I ask if there would be a fee and of course there is a $5.50 fee to make a payment over the phone. I declined and said I would pay it online myself. Well..of course there was a problem. Fist the system will not take a payment more than the current balance, so I paid the current balance and thought I could just make another payment of the few dollars that will be due on interest…guest what you can only make ONE payment in a 24 hour period. This is one of the worst companies I’ve ever seen !! Beware if you have this card check you bill each month they will sneak charges in if they can.

      • Texy May 5, 2014 at 4:35PM

        U r so, so, so right. I had them for 4 months now and I kept noticing charges I didn’t make so I decided to pay attention this month, sure is there was a charge I didn’t made & the customer service guy calling a place where I don’t even know. I tried 2 let him know I charged my card twice in the same place two days in a roll, & gave him the amount I spend. Didn’t get no where with him. On top of that i discovered they charged fees for every purchase made. I paid close attn to my spending I made last month in other for me 2 catch them in fraud. After paying my bill this mo. am cancelling them. Credit score dropping or not, I don’t care.

        PPl who don’t believe our frustration would learn the hard way. I wish I would have done my research b4 accepting their offer. They tell u, u qualify 4 up to $1,500 end up with $300 smh….

    144. Christine February 3, 2014 at 12:20PM

      Credit One is the worst company i have ever dealt with. I was debit card frauded (they wiped out my account) and have to wait 10-15 business days for the money to be put back in my checking account. I spoke to my other 2 credit card company’s (Capital One and Barclays) they were both extremely understanding and pushed back my payment date by 10 days so that it would not affect my account status or credit score. Credit One was a horrible experience. They said they would not take off the late fee of $25 until i made the payment. Mind you I was always paying on time and the balance on the card was a mere $68. The rep had the audacity to ask me if i could have someone (friend or family member) wire them the money and also asked how I planned on paying my other bills since i had no money. Completely inappropriate. Worst mistake ever getting a credit card through Credit One Bank

    145. Melanie January 25, 2014 at 3:01PM

      I applied & got approved with a $400 limit. I got something in the mail today saying that in order to complete my application (remember, I was approved already), they needed me to mail them a copy of my DL, SSN, and pay stub within 30 days or they would consider the application closed. Um, big red flags there! And F U. I’m not sending them crap.

    146. Charles S January 7, 2014 at 9:32PM

      I received this approved letter in the mail. I knew that it wasn’t Cap1 right off the bat. But had see their cards before. I had screwed up my credit like a lot did in the early 90’s when they were just cranking them out to everyone. Kept what I got good for years and then let an attorney talk me into filing a BK in 1997. So I went for years just cash and carry. Get’s tiring after a while and especially with a world in a so changing way. But going back to CreditOne, I knew what I was doing and they were the only company that had sent me something so I thought I would try it. You’re basically paying to post to all 3 credit bureaus a good payment history if you choose to do it right. My credit score then was a FICO 480. I added the CreditOne and then it inspired me to get rid of a few stupid things on my credit (not in the BK) added a Cap1 card for bad credit then I added First Premier.. (Now have 2 of those accounts) and just did regular payments, sometimes a little more. Over the course of 2 years, I have rebuilt my credit to a responsible level and now have a FICO score of 654. But what’s strange, I could always finance a new car with messed up credit?? Never understood that.. But in closing, I just received a CapitalOne QUICKSILVER ONE with cash rewards! Have added a Zales & Best Buy Master Card over the holidays.. Feels good. *PS if you do have a CreditOne card, if you tell them you’re going to cancel, the will adjust off 6 months worth of $8 monthly maintenance fee. Or that’s what they did for me. I plan to close that account at the end of 2014. Want to finished building what I started. Take care of your new credit and good luck!

      • T Neal March 16, 2014 at 9:49AM

        Thanks Charles for the info. I did the same thing with the three credit card companies that you named. (credit one, capital one and first premier) I was wondering about how long it would take for my credit score to rise, as it slowly has been. I too was able to finance a new car with less than good credit but I will continue to monitor and make smart choices with my cards and hopefully I will be at a 654 FICO score in no time.

    147. KK January 6, 2014 at 6:48PM

      I applied like an idiot when i got the letter I’m the mail literally a few mins ago.
      I just now googled this and saw complaints. My question is if I don’t activate the card then call and say I don’t want it, will I be charged??

      • MLH February 18, 2014 at 6:09PM

        I received a statement with an account number. I never applied for a “Credit One” card, I applied for a Capital One card and have received it and have been using it. I called them and they said that I was approved because of the Capital One approval and that I would receive a card. 10 days later, I still don’t have a card. I just got off the phone with them telling them to cancel the card. He kept saying he’d send out a replacement and I said, no, just cancel it. After spending 10 minutes trying to change my mind, he finally said they would cancel it and I can ignore the bill, but somehow I don’t believe it. I’m willing to be that I will still receive a bill for this annual fee that you pay all at once. I don’t know who to go to on stuff like this, but I’m going to get some legal free consultation just in case. I can’t afford to have something like this on my credit that’s already in the gutter, lol!

    148. Former Customer December 28, 2013 at 10:09AM

      I hade a Credit One Visa for 2.5 years. I figure I paid $250+ in fees while I had the card. Is it expensive? Yes. Would I do it again? If I had to. Would I recommend it? Absolutely! Here’s my story: While I was in college I had no concept of money management and as a result I drove my credit deep into the ground. I had to pay outrageous deposits just to have electricity and heat. I coudn’t get a phone even though I could afford it. Job offers were rescinded after prospective employers ran my credit. Like many people in my siutation I was desperate for a second chance. I almost took out a First Premier card but I opted to wait. One day I got an offer from Credit One. They spelled out the fees upfront, $75 annual fee first year after that it converts to a monthly fee of $8.25, or $99 a year, with 19% interest. Not expecting anything I sent the application back. Two weeks later I had a Visa Platinum with a CL of 300. About 3 months later I had an Orchard Bank MasterCard with a CL of 300. These were the only cards I had for 2 years. Credit One eventually raised my CL up to 900, each time I paid $20 for the CLI. I now have a Fico of 743, a Citi Visa CL 3500, Barclaycard World Mastercard CL 7500, Wells Fargo Visa Signature CL 8000 and an AmEx Blue CL 8300. Capital One eventually bought the Orchard Bank MC, raised the CL to 800 and eliminated the annual fee. After 2.5 years I cancelled the Credit One Visa because its the only card I have with an annual fee and Credit One would only waive $75 of the $99 annual fee. Despite the measley CL and hight interest I still keep the CapOne MC as a reminder of how far I’ve come. I would not be where I am now if I hadn’t taken a chance with the Credit One Visa. Yes, it was expensive but I see that as the cost of rebuilding credit, once you trash it its going to take time and money to fix it.

    149. Jim December 23, 2013 at 3:17PM

      I was approved for one of these cards with a $500.00 CL a few weeks ago. It was only after I was approved that I did my research and decided I was not going to go this route. It sounds as if too many people have had problems, if nothing else, with their payments. When I recevied my card, I decided not to activate it. I called customer service nad did speak to a person..the key is not to push any button when they ask for your social or anything else. I already have another card and will use it to build my credit by paying in full each month on time. Did not want to get caught up in some bad CC compnay. On a side note, all the info did not add up to the worst that I have read. The APR was 19.90% and the yearly fee was $45.00. And the customer service person I spoke with was fairly well versed in English. Still, decided after the fact that this card was not for me and was able to get out of it.

      • LS July 29, 2014 at 5:18PM

        I just received an email that I was approved as well.. But I am strongly considering not activating it… too many people with too many issues

        • bizzare13 October 10, 2014 at 8:38AM

          Can you tell me if you had any issues with the cancelation of this? Or did they still charge fees?

    150. Anonymous December 21, 2013 at 9:19AM

      Their customer service is HORRIBLE! one of their representatives actually said “let me finish first” I know that over the phone it’s hard to discuss things back and forth without being interrupted but DAMN!

      • Cassava March 24, 2014 at 4:41PM

        LOL. That’s the funniest thing i’ve heard all week!

    151. Frank December 20, 2013 at 4:20PM

      I also made the confusion mistake, even after catching it the first time. I quickly realized my mistake and called them to cancel. I told the rep that I had buyers remorse and did not want the card. She said that it has been cancelled and I owe them no money. The way she handled it was like she did it on a regular.

    152. BB November 27, 2013 at 11:34AM

      Upon receiving the pre approved offer they sent me in the mail I went ahead and applied for the card I of course was approved for the 300 dollar limit, this was a week ago, I havent received the card and was searching to see how long it would take, luckily stumbling upon this review. Since I havent recieved it and wont activate it when I do, will I still get charged fees and do I still need to find to way to cancel?????

      • Dee December 17, 2013 at 6:46AM

        I would like to know the same thing BB asked at the end.

    153. nocashnobuy November 22, 2013 at 7:08AM

      I have since let my account go to collections could not keep up with the interest. They would not work with me had all the same issues as everyone else. they sold the loan, I got one call they were rude and unreasonable now loan is somewhere else and I’m getting no help to find it …..just tryn to pay my debt.

    154. DJP November 19, 2013 at 4:28PM

      Credit One sent my wife an application for a card which was disposed thru a security shredding service. Two weeks later a card an unsolicited credit card which was never activated and disposed thru the same shredding service Two weeks later a $75 bill for membership came. Dealing with their customer service in Asia/Indian was a nightmare; they kept wanting my wife’s SS number to verify the account. They couldn’t grasp that the account was fraudulent; so I filed a complaint with the US Federal and State attorney’s office and FBI for fraudulent identity theft. Three days later a US consumer rep called with “there must be some mistake, we have an application”. When I told her with whom I filled complaints, she became silent and then I ripped her up one side and down the other side for fraud. Again, two days later, another application in the mail for a preapproved Platinum card. Such liars and scammers!!! BEWARE!!

    155. Stephanie C November 18, 2013 at 7:48AM

      Hate Credit One! Worst customer service ever, in INDIA and wouldn’t transfer me to an American representative. Plus the fees/interest are so high that only about $3 of my minimum payment goes towards the principle. This card is not worth the hassle or the money. Merrick Bank has much better customer service and the fees aren’t as high.

    156. pissedoff November 18, 2013 at 5:44AM

      Just got scam!! :-(

      Got hang up on the 3x and gave me the runaround. I did not realize the $75 fee and than the $25 fee.

    157. Rob T November 15, 2013 at 10:03PM

      DO NOT GET THIS CARD!!!!! I applied thinking it was a capital one card(my bad I know as I should have been more careful and I should of done my homework on this rip off co. The claim to be a rebuild your credit co but are more like a credit killer!! Worst customer service rude people. I singed up knowing about the annual fee of $75 for the 1st year that is charged on your first bill. but the $99 each year after that, billed monthly at $8.25+interest and process fee .is firstly in print so small you really have to look for it. When I called the co to ask that the annual fee be waived as I have been a great customer and many other cc companies will wave the fee if you ask. credit one said no. So I asked if I could just pay the fee of 99.00 in full and again I was told no and reminded quite rudely that I signed the agreement and was basically told I was a credit looser. take it or leave it. a few months later I was offered (because I was such a great customer) That I was pre approved for a credit increase of 250.00 more small print they pull a credit report on me that lowed my credit score 2 points and the measly 250 limit raise did nothing to improve my score. and get this I had to pay them 9.99 +interest and fee for the increase!! what a scam they are. All the fine print is there so I guess it keeps them out of court but I feel like I’m dealing with criminals. Better off doing business whit the mafia. I have improved my credit score a great amount and have much better reputable cc companies now the real Capital one, us alliance FCU, citizens bank even the fee hungry Bank of America all are way better that these bunch of crooks!!! STAY AWAY DO NOT BE FOOLED LIKE I WAS.

      • Jonathan P January 11, 2015 at 6:18PM

        oh man i just activated this card thinking it was my new capital one as well. seems like they know how to trick you into getting it. idk if i made a mistake now because of the $75 annual they charge you without even using it yet. is there any way i could cancel the account after paying the annual fee and not using it at all?

    158. Art Estrada November 14, 2013 at 6:39PM

      Capital One should put up a lawsuit against them for using such a similar logo.

    159. You deserve it September 7, 2013 at 8:19PM

      If you messed up your credit and this company is willing to take the risk on you, it is a good option. It is not cheap but it does help with rebuilding credit. Use this card until your credit improves and then move on.

      • pissedoff November 18, 2013 at 5:44AM

        Do you work for them??

    160. Antonette Streeter August 23, 2013 at 4:31PM

      How do you get out?!

    161. Moemoe2 August 20, 2013 at 3:08PM

      I also was fooled by the card, thinking it was my new capital one card. But do any of you have the problem of your Credit One being DECLINED whenever you try to use it, knowing the funds are in your card, and you have not even tried to use it in a few months?

      • JayJay November 18, 2013 at 7:42AM

        My acct was recently frozen, after receiving a credit line increase. My bill is always paid early & more than the minimum due so I called to see why…all I’m getting is a run around. Allegedly my account is under investigation for fraudulent activity but no one will tell me what. The reps are from India and highly sarcastic! There is no one in the “Fraud” dept. you must leave a message and someone should c/b w/in 48hrs but that never happened. Thinking of closing My acct after reading this. I incorrectly thought they were affiliated with capital one.

      • femme November 27, 2013 at 5:58AM

        I think you have to use the card regularly to keep it active, so if it’s been a few months since you last used it the account may have been closed.

    162. fadi June 10, 2013 at 6:19PM

      they suck…ur money and always not willing to give good customer service..also end up talking to someone from india??? what the hell…and when making a payment they charge u.

    163. Josh February 16, 2013 at 11:22AM

      I can’t believe how desperate this company is to make money.

      • Moemoe2 August 20, 2013 at 3:12PM

        No kidding! I tried to call them to ask about the new charges, and they just sat there on the phone not answering me, even when I was like Hello? Hello? And other comments! I cannot believe this company!

        • Steve m March 16, 2015 at 2:53PM

          From the Horror stories I’ve read about this company just now I have come to an Easy Decision to not get A Card From them. I have Capital One Cards and have had Excellent luck and credit increases.Thank You For Helping Me Before I Did Something Stupid.

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