Credit One Bank Reviews 

Capitol one extended me credit slowly and continues to extend my credit or give me new cards as I keep faithful with my payments monthly. I would recommend them to anyone needing a hand in building back their credit.

I am very satisfied with the services and experience with which I had.

Typical CC lender for those with subpar/lack of credit history. Rates border on predatory. I got a card with them back in my early 20s back when my credit history was new. Huge concern (and the reason I dropped the card) was the nonexistent security. Account was compromised THREE TIMES in less than a year and I barely used the card. That's more times than all the other CCs and bank accounts I have put together to date.

Got this card and used it. Easy to get and set up but then...
Paid off the entire amount that I charged and even paid the extra amount to have it 'post quickly'. Nearly 3 weeks later...
Have a $.50 credit for my 'cash back' reward but my available credit is at $0. Because they refuse to update the account to show that I have no balance, it looks to the credit bureau that the credit is being used.
Silly card. I'll keep it and not use it because it is worse to cancel it before 6 months but just beware, it will not help improve your credit score.

Easy to use and happy to build my credit with you guys!!

Great bank !! I don't wait to much when asking for credit card !!

Your fraud dept its a joke. There was a charge for a plane ticket in someone I have no idea whom they are name. And your fraud dept claims it was a legit charge. What a joke!!!!!

I'd love to give you 5 stars but your app is problematic. I've already encountered problems trying to connect my card with my bank account.

I love the experience of being able to get what I need for every day living and I’m enjoying my card Thank you so muck for making it possible

Great Bank as far as I know and have experienced. Glad I am an account holder

Very simple to get setup with a card but what i like most is i get to speak with a human if I call about something.

Very friendly and helpful

This is the first time ive made a review online for anything.

I just want to point out our experience so others might be spared the stress. We had a fraudulent charge made by someone from our old address using a new card that was mailed. We have spent over 27 hours trying to provide proof that the charge is fraudulent to Credit One Bank but we keep being denied. When speaking with their customer service they are strictly there to convey scripted responses, none of the 12 individuals including a US based corporate representative would show even an ounce of empathy.

I would advise caution with this company as its clear they do not serve their customers interests.

Notable practices:
-Will offer credit increases for one time payments, they will push this on you for every customer service call you make as well.
-Charges a fee to make payments
-Favors merchants over their customers
-Fraud claim system is detached from customer service. Extremely hard to deal with fraud claims.

It took approximately 3 weeks to get my card & I randomly opened my app to try tracking my card and I already owed my first bill.
I hadn't even gotten the card before I'm being charged.

No issues using the card.

Card came fast and was easy to set up. I made a payment.. Couldn't use my card. Made another payment. Still couldn't use my card. I waited about 3 weeks before I called to see what the heck was going on. They said that I needed to provide proof of payment by submitting my bank statement or something showing that the payment processed. No call, app alert, email- nothing. So I send them a screenshot of my account showing where the first payment had processed and waited 2 days before calling back. They said that it could take 7-10 days for them to review my email. I said, "Shut it down." Eff all that ridiculouslness.

While I appreciate the credit limit increases for being a customer who pays my bill on time, in an effort to increase my credit score, I paid half the statement balance two weeks ahead and the remaining balance right before the due date, so I was going into the new cycle with a $0 balance. The last payment I made was again the full statement balance AND I paid the extra to expedite the payment! Two weeks later, I noticed the credit amount did not reset to show accurate information, so I called. I was told that they put a security hold on my account and could not tell me why! They wanted a driver's license and/or Passport and a utility bill to verify my identity and address when my license shows the exact same address. They did this to me 2 years ago and after providing proof by uploading the documents multiple times, they continuously told me that either my license was fraudulent (I have a Real ID and a U.S. Passport), which is preposterous! So I mailed them and still no one could ever confirm receipt. After 2 years of going back and forth with them, I closed the account and just took the hit to my credit score. And here we go again with the second card I have with them -- I just don't get it! All the while, scammers are out here getting away with stealing hard working people's money and stealing information, yet hard working folks like myself are being bullied! I have other credit cards with other companies and all are paid on time - some I don't even use unless I have an emergency, but if I am paying my bill on time, have not had any strange activity on my card, what is the problem?! And what really makes this worst is that they did not even notify me -- I had to call them to inquire! I would not recommend Credit One to anyone!!!