Playing with fire.
I destroyed my credit when I was younger. Since I have had this card, I have been able to attain credit from more reputable companies. This card has improved my credit score, as promised. That being said - Credit One is expensive and they will nickel and dime you until your head spins. Relying on this card will probably ruin your life so be very careful. If you use it, go home and pay it off immediately. Expect random fees constantly - and pay them. Don't even bother complaining - your complaints will be heard by a guy who probably lives in a mud hut in India (they out source customer service). They simply will not be sympathetic to your first world problems.
This line of credit has helped me get approved for better lines of credit, thus creating a chain reaction of credit healing. I use the analogy "playing with fire" because fire is very usefull, but the second you are not careful it will probably burn everything you have down to the ground. So be very careful and understand who you are dealing with.
WORST CARD EVER
My credit score dropped because these guys kept claiming that they were unable to receive payment from the bank, yet none of my other cards had this issue. On top of that once my credit score went above 650 they cancelled one of the cards I had with them citing the issue mentioned before. How is that possible when the other card issued by no longer had this "issue" with the exact same bank?
AVOID LIKE THE PLAGUE!!!
Risky interest
This card charges interest from the date you make a transaction, not the date the bill is due like every other normal credit card out there.
You might be thinking, "Oh, that's no problem. I'll just pay it off right after I use it." Yeah...I thought that too. I just tried to pay in full and there is an error message saying you are only allowed to make four payments a month. Yet, while you are waiting to be allowed to make your payment, they are charging interest. Now, how's that for a review?
displeased
Tried to talk to several different people in their customer service department and they were less than friendly and helpul. Ended up just closing the account because they were rude.
SCAM
Don't get this card because as soon as you activate the card you owe 75.00$ already to the annual fee which increase after 1 year to $99. I got this card to rebuild my credit which I used for gas twice and my interest increases everyday and the amount for my first month is 134$ that includes the yearly fee plus my purchases of 30$ and 24$. Which has to be paid off immediatly or I will accrue interest on my annual fee. This is rediculous and I heard that canceling is nearly in posdsible to do. I am goig to pay this card off and cancel asap. No credit card should have compounded interest daily.. this is a true scam
Inept
They have no desire to help you rebuild your credit. They make sure that you can't do recurring payments or pay online. Complete scam.
Credit increase after 2 months
So many on here say how bad this credit card is, I say different. I received this card with no credit score. I have had credit for about 4 months with a credit union credit card and an Auto loan. I pay multiple times per month on the card and it processes fast, just one day by debit card.
I woke up this morning to an email saying they increased my limit from 400 to 600 just after two months of having the card. I am hoping to graduate at the 6 month mark with an amex. My CK scores are 584 EQ and 586 TU I will update more once I reach a true Fico score in a couple months.
This is the kind of review that truly reflects what this card is about...bad/no credit customer needing a pick-me-up and getting just that from the credit bureaus. It's not a scam, and there are no fees that are unexplained by the company. People get buried if they do it to themselves and fail to play by the rules.
Lies
Was told my interest wild be 16.99% and $0 annual fee, until I got my first statement. My interest wad 24.99% and a $75 annual fee. None of my credit cards have an annual fee and I'm not about to start now! I highly recommend the citi card for Costco! 0% for 12 months when I signed up for it. 12% after that.
Worst credit card I've ever had
Don't get it
Worst ****ing card you can ever get
Had the car for 3 Days made 3 transactions they charge me double for the annual fee which made my card go over went to get gas stuck at a gas station for 2 days my car because they could not put the money back on to my card that they promised that they would have back on first thing the next day the next day comes the money is not on the card I called and they give me the run-around again talk about the money can't be on the card until the next day Monday they have no type of backup they said they have a 24 hour thing emergency thing that doesn't and then the customer service tried to tell you that we can't please everybody and I said there's more negative reviews than positive reviews I understand this is a card to build up your credit but we are people too and for you to have double charged a person and don't make up for your mistakes and can't put the person's money back on that is messed up but when you want your money your payment you get it I will be calling back to close my account worst startup card you can ever get
Worst Credit card out there.
Endless fees. $25 just to raise limit once you qualify, fees to replace or add an additional card. Insurance fees that are advertised and easily clicked "Accept" when using the site. Terrible customer service, no way to email. I have a AMEX, and Capital One card, AVOID THIS.