Credit One Bank

Overall card rating

2021 Reviews
from Credit Karma members in the last year

Most Helpful Positive Review

Aug 18 2014
It is what it is
Credit Karma Member

I got this card about 16months ago when my fico was about 530, got approved for 300, then 450, then 600 now 750. Yes they charge u 22.95 for every increase, yes they charge their annual fee in annoying monthly payments of 8.25 probably hoping u miss a payment so they can hit u with the late fee. My score is now 594 just got approved for cap one quicksilver for 300. This card is about rebuilding credit ive never dealt with the cust service, i make about 200 a month of purchases and sometimes make multiple payments on purchases. They do report to all 3 bureaus and it is accurate. Its helped me get my score up and yes when i hit about 700 ill probably cancel it as i get better cards with lesser fees in the meantime if i asked u would u pay me 99 bucks if i could get your fico score up 50points in a year u probably would if you looking at this review, well thats what this card can do. All the negative reviews are from stupid people not reading, yes express payments they charge, standard ones are free they take maybe 4 biz days and no your available credit isnt available til after it processes so maybe a week in total. Everything is in writing people just have to learn to read and they then wont get u with all these hidden charges.

Most Helpful Negative Review

Dec 21 2018
Credit Karma Member

WORST CREDIT CARD EVER!!!! PLEASE RUN!!!! I went out of town & used the card at Walmart & my card was immediately declined. I received a text to confirm the transaction. I received another text stating my card was cleared and ready to use again. Well, it wasn't. Customer service was closed. I called the following morning only to discover that if you're out of town & use it at Walmart they automatically place a block on your card and to remove this block you must FAX a copy of you Drivers License & a recent utility bill to their 'home office' it gets better, it takes 2-3 days for them to receive your fax & an additional 7-10 days for them to review it & release the hold on your card!!!!!!!!!!!!! I have NEVER heard of it taking ANY company 13 days to confirm I AM WHO I SAY I AM!!! Besides I answered every security question, social security #, address, phone number, last transactions!! I'M DONE!!!

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May 05 2020
Credit One Bank
Credit Karma Member

Absolutely love this card...Its allowing me to re-establish my credit

May 05 2020
Credit Karma Member

May 04 2020
Credit Karma Member

WORST CREDIT CARD EVER!! Very long story but to make it short....they kept entering my information wrong even though I gave it to them 6 times, customer service “ managers” are even clueless! Due to system issue I kept trying to pay my bill they would not take it and kept telling me to call back, and I would and no one would help me. My credit went down ever since I got this

May 01 2020
They require a letter from bank to PAY your bill??
Credit Karma Member

I got this card and my first several attempts to use it declined, purportedly for verification purposes? FINALLY was able to succeed on a single purchase. Made my payment to Credit One in full and was credited. Attempted to use card again and declines again. THIS TIME it is because they need me to provide a signature card from my bank showing I AM AUTHORIZED TO PAY MY BILL, EVEN THOUGH they have accepted my payment, it has cleared my bank days ago. This card is a total waste of time. They refuse to send me a letter making the request for signature verification. I'm done with this card, shredding it.

Apr 26 2020
Credit Karma Member

I had 2 cards with them for 3 yrs. My credit was great. I always paid each card separately and over the minimum due every month via my bank's bill pay. I found out they had closed my account due to a missed payment but what happened is they applied the payment for one of my cards to the other account so it looked like I missed a payment. I called to ask about it and they said there was nothing they could do about it because the account was closed and they would send me a letter of explanation via mail. First of all, I never got a late notice about the account. I never got a notice about the closure either. It's been 2 weeks and they still haven't sent a letter of explanation. I just sent off 2 checks to pay off the balance of both cards and put in an investigation to all 3 credit reporting agencies about this because I have all my receipts of payment and I am hoping the investigation takes this off my credit.

Apr 20 2020
Great until they closed account because of credit
Credit Karma Member

I was approved for both a Visa and Mastercard to "improve" credit score. I only used the card for expenses for work. I paid off the card pretty much in full every month. I had a 0 balance on both cards and was NEVER late. I just received a letter in the mail for both cards that stated because of my credit score they were closing my account. How can a credit card company that uses high interest close an account on a customer who pays on time without accruing much interest AT ALL close your account UNLESS, because you are not late and paying them late fees and interest payments...they cancel your account. I will gladly show my payment history to anyone who doesn't believe this garbage. I thought cards like this was supposed to help you rebuild credit not take it away.

Apr 15 2020
Credit Karma Member

Do not get this... the started me out with $300 and automatically took out $75. They also have no window so you have to pay on time not early not late. TERRIBLE CARD. DO NOT GET IT!

Apr 13 2020
Worst credit card company!!
Credit Karma Member

Horrible customer service. They charge interest on any and all charges made. I have had their credit card for a few months now and have paid my statement balance in full each month. I still get charged an interest rate. When I called in they informed me that they charge interest any any charge that is made on their credit cards. When I looked at my disclosure agreement it states, "How to Avoid Paying Interest on Purchases Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay your entire balance by the due date each month." Again, I pay my balance in full each month. So this statement is false. If it wasn't such a small amount that I am getting charged I would definitely press charges because they are probably doing this to all of their clients. This is absurd and wrong. They, a large corporation, is taking advantage of their credit card holders. I will be paying my balance in full again and not using my Credit One Bank card any longer. Sucks that I will still have to pay an annual fee to them, but if I cancel my card that will hurt my credit score more. I am not going to support a company that is going to take advantage of me in any means possible. If I could give them 0 Stars, I would! Do not sign up for a Credit One Bank credit card. They will get money out of you in any way possible.

Apr 11 2020
Credit Karma Member

BEWARE THIS COMPANY IS NOT WAIVING LATE FEES AS THEY STATE THEY ARE DUE TO THE CORONA VIRUS THEY CONTINUE TO ADD THE $35.00 LATE FEE TO YOUR TOTAL CARD BALANCE EACH MONTH RESULTING IN YOUR MONTHLY INTEREST RATE INCREASING WHICH RESULTS IN YOUR TOTAL ACCT BALANCE INCREASING WHICH EASILY LEADS TO YOUR ACCT BEING OVER THE LIMIT (our accts did not reach this because we closed them before they could) Unfortunately after several years of us both being outstanding card acct holders and one of us having several card accts and the other having 1 card acct with this bank we had to make the decision to close all 3 accts. We were requesting to make a regular monthly payment minus the late fees due to the corona reducing work hours and income..they said they would waive the late fees however it would NOT reduce the payment due which INCLUDED the late fees so they ARE NOT waiving any late fees, they will push your payment due date to the next month while continuing to add the late fee to your acct balance due only to increase the amount due which people are already struggling to pay so if you cant pay $120 how do they expect you to pay more than that the next month?? They are taking advantage of the situation and hurting acct holders NOT helping customers/card acct holders..sad!

Apr 06 2020
Not great
Credit Karma Member

Just alright. They charge a lot of fees. Customer service people seemed polite.

11-20 of 2021

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