Charging $9.95 to use a debit card is outrageous. Sorry not sorry.

better than not having a credit card at all , but not by much . Clearly lacking in the Customer Service dept .

I got this card when I was trying to rebuild my credit. Now that my credit is doing better and my card is paid off, I noticed each month a tiny fee, but it was billed as interest on purchases. How could that be? I haven't made any purchases with that card in over 4 months. The annual fee billed monthly is paid in full each month, so why do I keep getting this tiny fee? After calling customer service, I was transferred and escalated to 3 different "supervisors" until finally, they said the next supervisor would call me (she has not). Allegedly, the interest on purchases comes from the annual fee being billed. I asked how is this possible when both of these charges are billed to my card on the day the statement closes? Also, how do you charge interest on a fee, as a purchase? No one could explain that, hence why I am waiting for that call back (I'm sure I'll have to call them again). The funniest part about their lie/explanation, I actually have 2 cards with credit one, both charged the annual fee monthly, yet only 1 is still being billed interest for purchases since being paid off. Makes me wonder how long they've been jerking me around with this fee. If I am being billed on nothing, who knows if they were accurately billing my interest when I held a balance. It just stood out more now, since there were no purchases! Consumers beware!

They charge the annual fee the second you activate the card and then you get your first statement 4 days later (which means it is reported to your credit) which caused a drop in my credit score (my credit card utilization drastically increased). The point of me opening and keeping this card was an attempt to help my credit and it has done the opposite. I wish somebody would have told me that the statement would be sent out pretty much right after i activated the card and that annual fee was going to be charged up front and be reported to my credit if i did not pay it within 4 days. I would have paid it if it meant keeping my credit from dropping. But nobody communicated that with me and it was not in any of the paperwork. I just wanted to make the next person aware of this so that way they can either opt out of obtaining this card completely or pay that fee within the first few days of using the card.

I have not had any problems with this card. They increased my credit limit after just a few months of paying on time.

I had to apply for a Credit One card in 2009 after the mortgage and real estate market meltdown and thought that was the end of having to get high interest rebuild credit cards, but nope, I am having to do it again due to the former joint tenant who I sued in 2007 to get off title when he took out two loans recorded on my property without my knowledge or consent and I won a quiet title judgment to remove his name, but the fact that the loans are tied to the property caused foreclosure. I had to file Chapter 13 in 2018 to stop one of the last auctions and I was able to, after a year get an offer from both Credit One and Capital One to rebuild my credit...AGAIN!...I am very grateful to both Credit One and Capital One for issuing the cards. The customer service on both is excellent and even though the interest is high, it's worth a year or two to get scores raised and a history of good credit established. The customer service reps are great to work with and very accommodating, not rude.

Opened and activated the card. Never received a statement or used the card. Got a text message saying a bill was due, so I signed in and they had charged a late fee on the annual fee. Talked to a phone rep, then supervisor, then manager and would not remove the late fee.

I would not recommend this credit card to my worst enemy. The annual charges are crazy. They allow you to apply for a credit line increase however, you will have to pay for it. To get a card with a design, you'll also pay for that. If you're a fea days late, even after making ontime payments for 3 year's, they'll call and harass you, and you won't hardly be able to understand the person on the other end. This company is only in business because It takes advantage of needy people.