I was really scared when i applied for this card. The reiviews i read were horrifying and it took me awhile to finally say whatever and apply. People have complained about every aspect of this card, but frankly, there all full of crap. They complain that the payment system is always down, Just download the app it works 100 percent of the time. They complain the interest is to high, well they tell you the interest before you sign. They complain they charge interest daily and not monthly, well they also tell you that on the application. They say they make an express payment but only 100 dollars goes through and they have to wait 7 days for the rest, Well if you read right below the express payment option it tells you they will make 100 available immediately but the rest could take up to 7 days. Ive heard customer service was horrible, Well they spoke english pretty well and were helpful but then again i live in nyc and im used to broken english. Also I have only had this card for 30 days and they already increased my credit by 200 dollars. My overall review is, its not the card that is bad, its the people who dont know how to read. Credit One has literally wrote out everything about what they do but people just dont seem to want to read, maybe thats why your credit is so bad you need this card. card is not so bad, Im honestly suprised im writing a positive review i was sure i was going to give this one star, but when i read everything and followed up all the complains from this thread i realized its not them who are wrong, smh.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $0 - $99
- Purchase Intro APR Not Applicable
- Purchase Regular APR 19.99% - 25.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Omg! Even if you have the worst credit ever, do not apply for this card.
Two months into my account, there were fraudulent charges made and I’m being held liable. Customer service seems shady. They won’t verify your partial info ( last 4 of SSN etc). They required I give them All of my personal info first-including entire SSN. I paid the balance just so i could close the account and hopefully receive a refund once the “investigation” is closed. Today, I just happened to click on the app and see if my account was still active and i see a Burger King charge from 4 days ago. How does this happen if my account was closed 35 days ago? Nothing but a fight again with customer service who said this investigation now can’t be started until the other one is done, really??
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