Card has fees, but they are manageable. Got this card to help build my credit. Like any other card, as long as you make in time payments, it does what it is meant for.

BrittanyB0418

Seattle, WA

Worst credit card ever. Terrible customer service. The app or website are not working.

MrsIEMM

Atlanta

I got this card at a low point financially to use for emergencies. It has a super high interest rate, fees for everything including credit increases but it did what it said and improved my credit. Not really a fan of their customer service though. I would only recommend if trying to improve credit.

starz03

texas

This card is good for a first time credit card. The annual fee is kinda high and they take it out of your credit limit.

LindseyD

Moss Point, MS

I got an offer in the mail for Credit One Bank and usually I throw away such offers but this time I read it and I decided to give Credit One Bank a try. I was accepted and got a $200.00 credit limit. After only a few months I got a credit increase. Customer Service I have only had to contact customer service two times but each time the person on the other end was kind and courteous and very helpful. Available Rates One downfall is that Credit One does charge a monthly fee but there are other cards out there that also do this.

luvvoyager

Moreno Valley, CA

I happen to be an account holder of several credit cards, and of all of them Credit One is my favorite account to use. I generally hold this card back for special occasions, because it is a special card. The yearly fee is way below average, and they do not charge a high interest fee on this specific card. I've been happy with Credit One since I became a customer. Customer Service I have only had to contact Customer Service at Credit One, once. Actually, it was my fault because I was paying the bill on-line and I had accidentally typed in 50 cents instead of $50. The representative that I spoke to was more than willing to fix my error and she had a cheerful demeanor, not like other representatives that I have spoken to that treat you as if you want them to pay your bill. Credit One never treats me like I am trying to get one over on them. Available Rates The rates fluctuate from card to card, the account I have now is 9%, which to me is a fair amount these days. This was very surprising to me when I opened the account because my credit was not in excellent shape, as a matter or fact, it was just a step above poor. Credit One still give me great rates and a good allotment of credit to begin with. They never mentioned a "secured card," as many credit card company's do.

Kimart4974

USA

I just got this card. It was a big mistake. I got the offer through the mail and it looked great. I've been around a while so I figured why not? Big mistake. They sent me a card and stupidly I activated it. Once alll the disclaimers and fine print was read I decided not to use it. It's totally my fault for not checking evry disclaimer they sent but it's also very deceptive to print matter I can't read with a magnifying glass. I have three other credit cards which the companies have been very transparent. This one hasn't been at all transparent. Customer Service I talked with customer service and I'm stuck with the activation fee. There's no way around it. It's certainly not the customer service agent that's at fault. They were very nice. It's my fault but Credit One Bank has lost me forever due to what I believe to be deceptive advertising. Available Rates The rates are quite high compared to my other cards but it wion't be an issue as I am canceling the card.

mikegotcha

Undisclosed

Like most credit cards these days, this card has an extremely HIGH interest rate. After having bad credit for a while and no one would give me, they were the first too, and there is a reason why!! They start you off with a low limit (in my case $300), but there was annual fee and another activation fee so between both I already put $100 dollars on the card once it activated. I'm in the process now of paying this card off and will hopefully never look back! My payment is due the 15th of every month and this past month I paid it on the 15th and still was charged a late fee....of $25.00!!! So I essentially paid this months bill, but got the late fee so my amount has not changed at all. I know how difficult it can be sometimes for people these days and they don't always have the extra money they need, but DON'T get this credit card! It really is NOT worth it. Customer Service Customer is not very helpful, I got transferred to someone who you could clearly tell English was not their first language and was EXTREMELY hard to understand, and I told her about the issue I was basically answered with, "That's what happens when" instead of giving me advice so it wouldn't happen again in the future. I ended up hanging up on the woman because she was not helpful.

LindseyKitty

USA

I thought this credit would be good to rebuild our credit. We were told that it was important to get a credit card and keep a low balance and then pay it off every month. We applied for this card and were approved for a very small limit. I wasn't aware of the annual fee that is charged to the card immediately. I received the first statement and the minimum due was the $70.00 annual fee. I thought it was steep to make the first payment so high. I paid the bill and used it for a tank of gas. The second statement came and they charged me a $7.00 monthly fee. I called customer service and they said that the terms of the credit card are clearly stated. I quickly cancelled the card and made arrangements to pay the balance owed while on the phone. I paid extra for the online payment and just wanted the card closed. I received my next statement and it had another $7.00 monthly charge. I called and they explained that since I had the account during the billing cycle so I had to pay the fee. Its like a never ending cycle with this card.

karra1031

USA

I kept getting approval letters in the mail and kept throwing them away. Well one day I decided why not. I would not suggest getting this card, the interest rate is very high along with their fees. They start you out with a very small credit limit and it is not worth it. I have only used this card for emergencies and the interest charges alone are outrageous. I have been paying it off now each time I use and still get charged a monthly fee of $4.00. These fees can add up over time and really make the card not worth using at all. A positive is that it is very easy to change your due date and you can pay online without any hassle. Customer Service I have only dealt with customer service in regards to changing my due date and that was very easy. Available Rates Their interest rates are very high no matter what your credit limit is. If you have bad credit expect the interest rate to at least be through the roof.

SBarbour

Undisclosed