Credit One BankReviews of creditone.com

Need to offer zero stars!! This card was referred by Experian Credit, dont ever use their recommendations. I paid Credit One in full in Oct 2025, by phone, an amount THEY quoted. They even transferred me to the dept that offers you the moon not to close your acct!! I have an email confirmation of the acct closure, plus a refund for overpayment issued in Nov 2025. For the last 7 months they have been charging me interest fees on an empty acct. Now it's showing delinquent and lowering my score. I have recorded phone messages trying to straighten this out but they just hang up. Don't EVER get a card from them. Not worth the hassles.

I got a card from them, it took 2 months to get to me because they would not change my address for weeks, then, I got the card, bought some coffee and pizza and they froze my card. They would not accept my documents, and said I still owed to pay the first payment plus $30. They are all scammers. This is not capital one, its a cheap spinoff. DO NOT EVEN APPLY.

Unauthorized transactions were made on my account in another state where I was not physically present. I have clear evidence proving my location at the time, but the bank continues to ignore it and refuses to properly investigate. Instead, they are holding me responsible and demanding payment for transactions I did not make. Very concerning experience

0⭐️CANCEL YOUR CARD before they change terms on you! Guess there is a clause that they can change their agreement with you at any point regardless of your perfect pay history and 800+ credit score. They charged me a $95 annual fee that was NOT in the original agreement I signed. I only signed up because in the original agreement there was no annual fee. Why would I have signed up for a $1500 credit limit for $95 a year when I have other cards with 12k+ and 10k+ limits with rewards and no fee.

Paid my bill 9 days ago, balance still has not updated. Last month they wanted me to prove my payment by bank statements and that took a week to clear..this card sucks

Credit One increases the Annual Fee every year. It is now $95 up from $35. I don't find out until they send me an email saying that I'm over my credit limit. The stupid Annual Fee puts me over the credit limit!!! I HATE CREDIT ONE!!! HUGE MISTAKE!!!

Been with them for a couple months now. Everything was going fairly well until I decided to make my monthly payments by bank account. They charged me $30 for a return fee when the money was in my account. My bill is due on the 13th, money in my account, they waited until the 14th to charge me the return fee. I’ve always paid using the express payment and paid an extra $4.95 with no issue a few days before. They just take your money for whatever reason they decide. Be careful doing the standard payment from your bank account! They want the extra $4.95 to do an express payment.

Terrible bank. Terrible privacy policy. Terrible customer service