Credit One Bank Reviews 

As I'm in the process of repairing my credit. Credit One was trusting enough to grant me a non fee credit card over $1000. When other credit card companies were and still are reluctant to work with me. Very much appreciated Credit One.

have had an extremely disappointing experience with Credit One. Customer service has been consistently unhelpful and, in my experience, representatives often came across as rude and dismissive when I called with simple questions about my account.
One of my biggest frustrations is how long payments take to process. Payments have taken more than seven business days to post, which is far slower than what I've experienced with other credit card companies. This creates unnecessary stress when trying to manage account balances and payment deadlines.
Communication has also been difficult due to language barriers during some of my calls, making it harder to resolve issues efficiently. Instead of receiving clear answers, I often felt like I was being rushed off the phone without my concerns being addressed.
Overall, the combination of poor customer service, slow payment processing, and frustrating customer support interactions has made this one of the worst credit card experiences I've had. I would not recommend Credit One and would encourage others to carefully research alternatives before applying.

I am happy to start rebuilding my credit after, well let’s just say unfortunate circumstances, but now I feel I am on the right road and happy Credit One is there for me to establish that new growth. Thank you.

It was real easy going through the credit process and got approved, the card came soon, I’m excited about having Credit One in my portfolio

I was disappointed in the fact I was charged my annual fee of $75 the second I activated my account. I was unaware that would be charges immediately taking a 1/3 of my credit limit. You figure your annual fee would be due after having the card for a year. Not cool .

Easy AND helpful information

First off: Note that when they got a horrible rating they somehow got a second entry into TrustPilot by slightly changing their name, which is a great display of the abject bad fsith I have experienced. I also want to point out that they claim to not allow customers to record support interactions despite them recording them, which is another HUGE RED FLAG for being a SCAM.

I made the mistake of getting a card because I'm temporarily financially embarrassed. As soon as they approved the card, they IMMEDIATELY provided a VURTUAL card and added it into Gpay. I didn't initiate this, it was part of the on-board process. Yet if I try to make a purchase over $10 it gets refused. It then sends me an IM asking if I made the purchase. I say yes. It tells me to make the purchase again. I try the purchase again and it's REFUSED. I call support, who are completely rude. They tell me things that are COMPLETELY COMTRARY to their own sysyem, and they are MORE CONCERNED ABOUT BEING RECORDED THAN ACTUALLY HELPING THE CUSTOMER. STAY AWAY!!!

The service was great and delivery acceptable. However they miislead Me by stating I was approved for $2500 when actually when the card arrived I found out I Only Had a $300 credit Limit. That confused Me but was soon cleared up when I called the number of customer service and spoke with the agent. They need to state proper numbers to members who are willing to chance the bank for credit loans.

I like it being it’s my first credit card and I can make my payment next week when I get paid.

Customer service is always wonderful and helpful

I wasn’t aware of the $95. Monthly annual charge. Had I known I wouldn’t have got the card.

New user, haven't used it yet.
However, it was easy to apply and quick process.
Not too happy about annual fee and currently struggling to add it to my apple wallet.

What made my experience great was the kindness of each person I spoke with.. and for a second chance at my credit with a new credit account thank you

My first credit card so excited to build my credit also came in handy right before my next check

They assume that their customers are lying when I called in for 2 disputes totaling $222.32! They will NOT reopen the dispute to see the ultimate response was that Cherry Tech. received the funds from Elita Medical Spa. I feel violated by all 3 mentioned; Credit One: Elita Medical Spa: Cherry Technologies Finance company. This has been a nightmare for almost 3 months! I am out of gas, exhausted, and ready to give up on all of this delinquent shit.

I do not like the fact that you told me the credit limit would be up to and I do understand it said, up to$2,500 and all I received was $300 when I am never late on any of my payments I have a 100% rating as well as close to a 700 credit score and rising. I also don't like the interest rate, it's too high and there's a yearly fee $75 I believe. It's a new card, I will use it for the next 6 months and see how things go. I really don't want to close it out, but unless things change I will. I cannot keep a card that is only $300 and I believe you charge me $75 a year to have it

My experience with Credit Bank has been very disappointing. In March, a charge of approximately $190 was made abroad, a transaction that I did not authorize or recognize. I immediately contacted the bank and explained that it was impossible for me to have made that purchase since I was not even in that country.

Despite my report and explanation, the bank stated that the transaction was made using the physical card and essentially held me responsible for the charge, without properly considering my situation or providing a fair solution. As a customer, I expected greater protection, investigation, and support in the case of possible international fraud.

I feel upset and frustrated because I believe it is unfair to be held responsible for a transaction I did not make. Situations like this seriously affect the trust and security that customers expect from a financial institution.

I sincerely hope the bank reviews my case again and improves its customer protection and fraud investigation processes.