Credit One Bank, NA, simply referred to as Credit One Bank, is a US-based bank specializing in credit cards.
Credit One Bank (creditone.com) has 53 customer reviews on Five Star Index, with an average rating of 1.6 out of 5.
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Angela I.
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!!!
Tanisha G.
I have had the Credit One card for over a year and have experienced nothing but excellent service. The application process was quick, and they extended me my best credit line — something that has been invaluable in rebuilding my credit and restoring stability to my life. The app is easy to use, and when I faced severe financial hardship due to a blood disorder, their team worked with me so I could keep my account active. By contrast, the Reflex Card closed my account after assuring me it would remain open, which further damaged my credit despite my efforts to get current. I would highly recommend Credit One to anyone trying to rebuild or maintain their credit — they communicate clearly and will work with you when you keep them informed.
Julie T.
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.
Consumer
Terrible bank. Terrible privacy policy. Terrible customer service
Gale B.
I had recently gotten a letter from Credit One Bank offering me an increase of my credit line I am a good customer always paying on time paying more than the minimum due so I accepted the increase Credit One mailed me a new bank card (new design) I was thinking ok my account has been upgraded NO Credit One opened a completely New account with the increased line of credit good thing I didn't spend it because Now I have 2 different accounts paying off the first Credit One Card and the New line of Credit is this Legal? I closed the account and really told the customer service rep off How dishonest Credit One Bank is!!
Chris Blackwood Blacky's B.
Credit One Bank is the worst bank I've ever dealt with. I went over my limit by 2 cents. I have no idea how I went over and they can't explain it to me. Most of the time their customer service agents speak very poor english. My minimum payment was $82 this month. I made the payment the day I received my SSDI direct deposit on February 26. They waited 6 days to take the money from my account. From past experience, I held off using my Chime account for 4 days after I made the payment to Credit One. They waited at least 6 days to take the payment from my account. I received a notice from Chime that my payment was declined. This is the second time this has happened to me. I made a standard payment. In order to have them take the payment from my account immediately, I have to pay an additional $4.95 which is something I try not to do on a monthly basis. If I had seen some of the reviews I've seen here, I would have never taken their card. I took scissors to the card this morning.
Dylan
Absolute scam. Takes 5mins while nothing listens to you just to unsubscribe. Utterly terrible company. All to take peoples money at 29.99% APR.
Tyler M.
Everything is so meh, CreditOne exists to extract fees from customers. I am glad they helped me on my rebuild, I got a $39 annual fee Visa at 28% interest for $500... But the likes of Concora (Indigo,Milestone, Genesis, Destiny) left a better taste in my mouth. Concora was upfront and no games compared to CreditOne. Fees for everything, paying your bill online is a fee, credit limit increases that's a fee, like if regulations do not exist on it then that's a fee... My card had 1% cashback on 'everyday' purchases, and this is totally my fault (I did not expect stipulations on 1%, almost every card has 1% no limits cashback), but it's just gas stations... and you have to accrue $20 worth before you can use it, it will take me 3-4 years to hit that. I get the type of customer they are working with, but it's just terrible, this card does not grow with you... and I am already at a point in my rebuild where I can close it (2 months after opening) because I have much better products from more reputable banks... The only way to actually grow with CreditOne is to open more cards so they can suck even more fees from you... It's beyond embarrassing to use a CreditOne card, even the subprime customers look down on you... I mean their cobranded cards are Nascar & WWE... Some of their customer base think they have an 'actual' AMEX, and doesn't understand they have a CreditOne (not CapitalOne) on the Amex payment network.
