ctmackenn

2 Contributions 32 People Helped

Member Since: January 2013

Most Helpful Contribution

Credit One Bank® Cash Back Rewards Credit Card

Jan 04, 2019
HORRIBLE COMPANY AND SERVICE
Helpful to 16 out of 20 people

I applied for this card and got approved for the non-rewards version. I have tried to use the card every day for two weeks now and eqch time i try to make a purchase their "automated" frayd detection system declines the transactions. They send me confirmation texts and i respond telling them it was authorized. They tell me I can use the card but the same thing happens the next day. I called into support 3 times. The first time they tell me their automated system is blocking the transaction. The second time i call in they tell me that my card isnt really activated, even though i did activate the card, so why did they not tell me it wasn't activated on the first call? They sqy I can use the card, but again card declined. The third time I call they put me on hold and never picked up again and when I tried calling back the phone just went on hold immediately and no one ever answered for the rest of the day. Worst part is they want me to make a payment for their annual fee but I could not get ahold of anyone to pay. DO NOT GET THIS CARD. YOU WILL REGRET IT. TWO WEEKS AND I STILL HAVE BEEN UNABLE TO USE THE CARD.

Activity (2 Total Contributions)

Trends by Age

Dec 27, 2018
Helpful to 16 out of 18 people

Don't listen to anyone who tells you that paying off your credit cards 'harms' you. It is quite the opposite, NOT paying off your credit cards each month costs you money each month in the form of interest. You are better off to have a lower credit score and pay $0 in interest each year, than to have a slightly higher credit score and lose hundreds of dollars in interest each year just to 'improve' your credit score.

Credit One Bank® Cash Back Rewards Credit Card

Jan 04, 2019
HORRIBLE COMPANY AND SERVICE
Helpful to 16 out of 20 people

I applied for this card and got approved for the non-rewards version. I have tried to use the card every day for two weeks now and eqch time i try to make a purchase their "automated" frayd detection system declines the transactions. They send me confirmation texts and i respond telling them it was authorized. They tell me I can use the card but the same thing happens the next day. I called into support 3 times. The first time they tell me their automated system is blocking the transaction. The second time i call in they tell me that my card isnt really activated, even though i did activate the card, so why did they not tell me it wasn't activated on the first call? They sqy I can use the card, but again card declined. The third time I call they put me on hold and never picked up again and when I tried calling back the phone just went on hold immediately and no one ever answered for the rest of the day. Worst part is they want me to make a payment for their annual fee but I could not get ahold of anyone to pay. DO NOT GET THIS CARD. YOU WILL REGRET IT. TWO WEEKS AND I STILL HAVE BEEN UNABLE TO USE THE CARD.