Credit One Bank

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2.2 out of 5 stars
817 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

2 5

Most Helpful Positive Review

Aug 14, 2016
Do Your Homework and It Will Help
jcoreyw Cardholder

None of us would have this card, or be thinking about applying for this card, if we didn't need it.  So, that being said, of course this card is going to come with fees and high interest rates that other cards don't have for people with better credit.  Our goal is to obtain better credit, and in doing so there is a cost.  I read all terms and conditions before applying for the card.  I realized there was no grace period for interest accruing and I also realized I would have to immediately pay the annual fee of $75 after activating the card.  I also undestand that the next annual fee would be billed in installments.  All this I accepted before EVEN applying.  A lot of headaches could have been avoided if people would just read the terms and conditions before applying.  So, now my person opinion of the card.

1.)  The card will help raise your credit score if you pay on time and keep your utilization low.  I use mine only to pay Netflix and Hulu each month and then PIF.  The interest is next to nothing.  If you go out and max your card out and only pay the minimum payment, then undestand that your going to be paying a lot in interest and you won't be helping your score.  Use the card responsibly and it can work in your favor.

2.)  I've had no issues paying online.  As soon as the statement cuts I send a payment.  I don't wait until the last week or the LAST day - that's just crazy.  I understand that some people may not be able to do that based on when payday is - but understand the gamble you're taking by waiting until the last minute.  Also, there are a lot of people upset over the express payment fee.  Why?  I never pay that fee because I make a standard payment which is FREE.  The only reason anyone would need to use express payment is if they're hard up for the funds to be available faster in which case you're relying too much on the card.  Pay way ahead of time using the standard payment option and you can avoid the fee and relax.

3.)  I look at the annual fee as a penalty for my faulty use of credit in the past.  As with everything else, there is a cost.  The card will help to improve my credit which will allow me to obtain credit in the future without such fees.  But, in the meantime this is the sacrifice that I have to make to get where I need to be.  Again, all this was described in the terms and conditions before even applying for the card so this shouldn't come as a shock to anyone.  Do your research and READ everything before you apply for anything and you will avoid surprises. 

4.)  I called customer service shortly after activating my card to ask when the statment cut date was and when the first payment would be do.  I found the agent to be helpful and we both understood each other fine.  The customer service department does seem to be outsourced.  A lot of of other companies do this as well.  I know Wells Fargo has a call center in the Phillipines.  This isn't an issue for me, but it could be for some people.     

Use the card responsibly by keeping utlization low and PIF each month and it will work in your favor.  Hope this helps.  Good luck to everyone out there trying to do that right thing!

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Most Helpful Negative Review

Jun 01, 2016
Not the best, not the worst
jared858 Cardholder

I decided to write a review after reading some of the negative reviews on here. Is this card a good card? No. Is the company kind of sleazy? Yes. Do you have any other options? If so, why would you take this card?

This card was the first unsecured card to send me an offer. I knew it was terrible. I read the fine print (something half these reviewers don't seem to bother doing). I read the reviews of the card to know what I was getting into. But, I wanted to reestablish my credit, and didn't see a lot of other options. Capital One and American Express weren't exactly trying to woo my business. So, I got a little card with a $300 limit. Paid to have the limit increased and now have a $900 limit. I paid my bill early every month, and after a year, made sure to pay the monthly fee when it hit my account. I have better cards now, my credit score went up 100 points, and life is getting better. Did I know I was getting screwed with fees and high interest? Yes. Did I accept that as the price I had to pay for being irresponsible years ago? Absolutely. Get the card, read the rules and FOLLOW them, pay on time, and cancel the card once your credit improves enough to get a better card. 

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These reviews were written by current and former cardholders in the last year.

Mar 26, 2017
it sucks.

they won't let me pay off my balance with my credit being over limit. they are now harrassing me with phone calls. They told me I can pay payments but they re STILL harrassing me. One would figure if one is paying on a card the company would let a person be....but NOT THIS ONE. Wish I NEVER got this card. All they are doing is DROPPING my score. STAY AWAY FROM THIS ONE!

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Mar 24, 2017
Cards ok
Desert1957 Cardholder

Got this card to improve my credit score and it's doing that for me. Do I feel it's ok

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Mar 24, 2017
nice card!!!
Anonymous Cardholder

this is very good card!! no problem!!!

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Mar 24, 2017
This card is GREAT!
Anonymous Cardholder

This card is easy to get and easy to maintain. I think the fees are reasonable and the periodic increases are fair. Although, I don't think they should 'charge' you for an increase.

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Mar 23, 2017
Worst card ever
Anonymous Cardholder

Worst customer service 

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Mar 23, 2017
for people with houses on wheels
Anonymous Cardholder

rip off

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Mar 22, 2017
It was a scam!
HappyDay365 Cardholder

I found there was annual fee $45 when I received the card, so I tried to cancel it.

But the agent offered me he will waive the fee once it is posted to my account, and asked me call him back later with bonus $100 credit increase.

When the statement came in, the agent now claimed the fee won't be waived the fee since I had chosen the option of credit increase instead of fee waive.

That is ridiculous. It is a scam, and dishonest practice.

Really bad company. Please avoid this credit card!!

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Mar 21, 2017
Anonymous Cardholder

I have this card and everytime i try to log on it tells me either my user name isnt working or password. It will let me change my password but not my username so everytime i make a payment it has to go through express pay with an additional charge of $9.95. Also if i want an increase i have to pay an additional $24.95. I do not recommend this card to anyone !!

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Mar 20, 2017
Mickeyshay Cardholder

I got this card knowing that the interest rate is horrible and the fees are bad. I got this card to improve my horrible credit. It wil help raise my score so I can get a better card in the future.

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Mar 20, 2017
Dishonest, liars, deceitful,don't care
Anonymous Cardholder

We have tried to cancel this card several times , they said they would but did not and are charging get us fees and causing my credit score to go down! Horrible, dishonest, users, liars, awful!

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