I started off at $300, then a few increases later (yes a fee, but I'm OK with that) it's $800. I'm the one with bad credit not them. My score was down to 440 and now according to Credit One's own site themselves is 626. Now I'm to the point where I make my payment at least a week before the due date, and have no issues. I suspect people complaining are the ones who send out a payment check on the 3rd when it's due on the 4th. Be responsible and this is a good card with ample cli opportunities. If you want to call a card horrible look up the surge MasterCard (I don't own it but read about it). Processing fee is $125. No credit line increased and a yearly fee off $99. People who have low credit scores should be willing to pay a small price for somebody to give you a chance. Just how lenders charge low scores origination fee. Basically it's YOU screwed up in the past, give us a down payment and we'll believe in you. Or you can mope, and get nothing. And your credit score will stay horrible. So with that I say thanks Credit One, you saved my day! And I'm not blind to it!
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I absolutely do not recommend getting this card unles it is your very last option. I currently have a card with them and customer service is terrible you will NEVER speak to a representative that speaks clear english it's aggravating because you can't understand one another.
The amount of time it takes for a payment to post and become available is disgusting. A whole week before fund la are available unless you pay for express payment which is like $15
last but not least never have money refunded to your cardboard because they will take the refund and not allow you to use it as a payment or even use it at all. I revived a refund from a retail store and they never posted it, it didn't count towards my available balance. In other words yes my total balance went down BUT the $40 refund was not shown as an available balance that I could use so I basically lost my money.
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