Credit One Bank Reviews 

Credit 1 Customer Service sucks they harassed you and put you through so much hell just to replace your lost cars. The lady took all my information and everything Social Security card number address email verification code then she put me on a hold then I was disconnected then I called back gave him my information again. Oh, you got a block on your car because the phone disconnected and I said well. The lady was almost finished. Can you please put in my information so I have to do the whole process over another 15 minutes given them my Social Security my address my email my verification code my credit card number and I still didn’t get no assistance. This company sucks it do not take all that to replace loss card when you have my information in front of you please do not use this credit card service.

Was approved for a credit card, they sent it to the wrong address. Verified my address online and had them cancel the last one and resend. Once I received/activated the card I tried to make a purchase and it was denied. Called customer service which regardless of you speaking with a real person is so useless it makes you wonder why they are not replaced with a page of bullet points. They froze the card due to suspension of fraud😡(you can’t be transferred to the fraud dept BTW lol)??? Then made me send in a copy of my drivers license and a copy of my utility bill only to do nothing to rectify the card. Disingenuous, disorganized company with foreign based customer service not capable of handling the simplest of tasks. RUN!

So far so good! I like the way I can see my credit score 😌.

It didn’t give me any problems. i love it!

credit one bank do not use them they are lying cheating skum bags rude nasty people with no class people that don’t belong in usa here is what happen to me i had a perfect credit score a 850 and i had 2 credit card with them both had the max amount 1650 on each card and i have credit cards with 30 thousand on them and i never used these joke credit card i had them for 15 years but it was the oldest credit i had so i figure i kept them where it would not impact my credit i was going to cancel but these skum bags made a deal with me and said they would waive fees and put 10 percent apr on cards so i kept and try before i cancelled cards and i just so happen was checking my credit score and seen credit one send in 2 late fees on my cards of fees they said they would waive and lyes and did not waive fees so i have to late payment on a perfect score that is costing me a bunch of money fighting it and they lyes and will not change it since i cancelled accounts they are lying cheating skum bags rude nasty people that work there that don’t belong in the usa they just look for people with bad credit so they can take advantage of them they need to close this bank down the way they screw people over with fees it’s crazy do not use them they will wreck your credit they are bottom feeders skum bags!

American Express must be one of the worst cards ever. I haven’t had it a week and already it’s been been denied at three stores. Nobody accepts American Express because there fees are extremely high so the card is pretty much useless to me what a rip off

Good security and customer service

I almost thought it was to good to be true....... until I was reading all that FINE PRINT......, and sure enough- there's that practically hidden fee of$75.00 for the membership/utilization fee for the card. Oh well, I wanted to build my credit up anyway, just didn't want to give away that much money to do so. all n all, still kinda fair and I appreciate you guys/gals over there at CREDIT ONE BANK. Bless you all at CREDIT ONE BANK!!!

It takes extremely to long for a payment to post. Why isn't it 24 hours? Had i known i wouldn't have applied. My other cards are 24 hours or same day if I pay before 2pm.

For me and my experience with credit one bank. They approved me with very little credit. There online banking system is simple to navigate and was quick to get my card. Im over all happy with this credit banking company!

The card has a chip for security. Also I have been able to use the card everywhere. It is widely accepted. The online website is very easy to use.

I thank credit one bank for helping 😄 me when there was no help in trouble time. Thank you from the bottom 😌 of my heart

well now - i'm giving this 5-stars, due to this card coming to me at a time when it was SO needed and necessary.
my sweet little girl (dog) developed a "UTI" and i knew it was going to cost a fortune to have her treated - especially in this small town where there are a dozen vets. the vet who treated her since she was a baby, retired, and finding a GOOD vet is almost impossible here.
ANYWAY - all that aside - THIS CREDIT ONE card enabled me to take her to a GOOD vet - one who charges LESS than ALL others here - get her treated - she's now on the mend and doing well.
there is NO WAY i could have done it without this card - SO - for that i am thankful to have this card - especially since it cost me a small fortune to have my dog treated.
and so - IF everything stays as CREDIT ONE says it will, i will be forever grateful - i ALWAYS PAY MY BILLS - usually BEFORE they're due - SO - five stars it is and will remain as long as everything stays good.
i've had reassurance from two employees - however - one should know and realize - those employees do not make the "rules", they can only interpret what they're told, so it's best to keep a very watchful eye on everything - not ONLY with CREDIT ONE, but with ALL credit/bank accounts.
i have several, and keep up with everything more than a few times each day.

Smooth and easy to use app and the phone service works great too. I was done quickly and easily to set up my account and receive my credit offer. Totally satisfied so far!

Easy application. Quick and easy mobile application. Customer service is great. Notification alerts are fast and notify with any suspicious activity on purchases and any transactions on account. Gives me reassurance that my account is safe. Actual live people that answer the customer service number all hours and help with anything you need. I really appreciate the time the lady took to help me set up my account and all the patience she had answering all my questions. This has been a very good experience for me .

We are going to be making a withdrawal/purchase on the fourth. Thank you for the communication. I'll be quite honest with your credit one banking company, now I am in between looking for employment. I was told my first billing cycle is dated Oct 1, 2026. Looking forward, my goal is to lessen A.P.R but for that I need a better understanding.

Thank you for accepting me. I had amputation of right legs and in rehab. So Capital One just would not give me a break

Understanding of customers needs while building credit. Very helpful.

I just got the card but haven't had any trouble using it. I do like the better interest rate than most cards, about 6% less.

I don't think this company can improve, at all!! The customer service is by far the worst customer service I have ever experienced in my life.

I was pre-approved for the card. It arrived and I thought I activated it. I downloaded the mobile app and later found out that it was not activated. The app showed that the $75 fee had been taken out which meant that I should have had an available balance of $225 however it never updated.

I reached out last week to customer service and was told that they were solving the issue and I would hear something by weeks end. But nothing was reported to me. So I reached out today, 8/31/26, to find out what was going on.

The first rep kept placing me on hold then acted as if she couldn't hear me. After being on the phone for 18 minutes she hung up, very rude and unprofessional!!
I immediately called back and the next rep just hung up after I started explaining what was going on. Very Rude and unprofessional!! They never need to worry about me attempting to do business with them at all. In the climate we are living in today, we do not need anything like this going on. No one should deal with them.
As a matter of fact, another class action lawsuit needs to be filed against them!!