Credit One Bank Reviews 

Awesome credit card! They gave me a shot.

After applying for the credit card in APRIL it's now almost July . I finally received it after the 3rd call to them asking where my card was. They said each time we are re issuing you a new card. Mind you I had fees and late charges pilling up while all this was occuring... Long story short once I finally received my card and tried to activate it, I found out I had 110$ worth of fees due immediately and had never even laid eyes on my card yet . They said that was normal for them . And then I was told by supervisor over customer service not to use it for 72hours that they would fix the issue and my card would be back to new . It has been 7 days and I still have the fees and I get emails saying to pay the min fee to keep using my card. Which I never got the chance to use in the first place . I will be seeking professional help in these matters , hope this review helps someone from making the same mistake i did .

Thank you. You arrived in a perfect time. I needed help.

Love the opportunity to bulid a credit card relationship with credit one

Great company I love credit one bank

No hassle,very secure very impressed with the service

Thank you for the freedom this card has given me to exhale and the opportunity it has given me to breathe!🙏

I LOVED the whole process of how Credit One operates! They were expedient with the process and with sending the card. The only thing I don’t like is the fees, other than that great credit card company!🥰

How in the hell I've got a charge on my card for 90 some dollars even before I received the card? That's bullshit!!

Charge 3 times in a row..your card is 🚫 blocked..they make you jump thru hoops to get it unlocked 🔓..even if you tell them it was you!!!! Horrible customer service!!!

I had a bad experience with credit one bank. Was making regular payments but they decided to close my account, my credit score fell 50 points down because of that.

Well the fact you put the 95. Annual fee up front. Then im sure I'll be charged interest on top of that unless I can pay that before the end of payment period. Now I have nothing to show for it. Not happy.

Got a credit card through creditone bank back in June of 2024. Used it for small purchases, and recently paid it off in April. All of the sudden the card would not work. It got declined. Called and they said they shut it down due to suspecious activity (I guess paying it off was not something they are accustomed to). They sent us new cards around the first of June 2026. Used it at a restaurant for dinner and then the next day for a burger at a fastfood restaurant. Next time I attempted to use it, would not go through. Server at restaurant said it was "locked". We tried again at another restaurant, and got same message from server - card appeared locked.
Called to find out what the heck is going on. Customer Service said we need to send in copies of our drivers license and a utility bill in our name and some other BS. We've only been a customer for over 2 years.
We are closing account - will do business elsewhere.
CreditOne charges a fee every time you sneeze. They charge you a fee to increase you credit limit. It's a racket.
STAY AWAY

Complicated understanding of usage. Couldn't use it as understood. No easy customer service.

Enjoying the new card with no issues, all questions was answered my credit is not the best but you all give me a fair chance. I do thank you all for the opportunity.

the credit one bank treats people with care and respect. I still am waiting for my card to arrive so will let you know more then .

Have had only good experiences with my Credit One credit cards. Customer service has been efficient and courteous when I've had questions. I love the benefits and ease of the cards as well as the app.

Top notch!

Thank you Credit One!

My experience with Credit One Bank has been absolutely terrible.

I have had three replacement credit cards issued over the course of several months, and not a single one has arrived. I have called numerous times, verified my address repeatedly, and followed every instruction given to me. Yet somehow, after months of dealing with this issue, I am still without my cards.

What makes this even more frustrating is that every time I call the 1-800 number, I am speaking with people in a whole other country who do not seem to know what the hell is going on. I have to explain the same situation over and over again, and nobody appears to have any understanding of the history of the issue or any ability to actually resolve it. Every call results in more confusion, more wasted time, and no solution.

Had I known beforehand that this would be the level of customer service I would receive, I never would have opened accounts with Credit One Bank.

At this point, I have exhausted every reasonable option available to me. Since Credit One has been unable to resolve a simple card replacement issue after months of phone calls and multiple replacement requests, I am now forced to escalate the matter by filing a complaint with the CFPB.

Consumers should know exactly what they are signing up for before doing business with this company.

Great customer service

The only bank that's helping individuals rebuild their credit. Well Done!