Credit One Bank Reviews 

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!

Credit 1 has great customer service & the banking app that is up to date & user friendly. They are helping me build my credit & give opportunities to have your credit limits increased with timely payments.

Great customer service.l had a fraudulent charge on the card and Capital One contacted me immediately and verified that the charge was fraudulent and issued me a new card right away. Thank you 👍

Knowledgeable and Sincere. Told me more good information than I asked and was beneficial.

Love the card just wish the spinner limit was a little higher at least until 500

I want to let you now that if been very helpful too have this card. Thanks.

Great card after a difficult season financially. It helped me recover to flourish.

They charge almost $100!!!! Annually. Never again!!! Rip off!!! Another greedy company just looking to make money!

Rare these days to get a card that actually does what it advertises. Great experience thus far.

I had 3 cards the oldest 10 YEARS! These people never give credit increases w/o charging you! They charge monthly fees on all cards. I relieved myself of them and paid them off in full. They never got one late payment out of over 200 pmts. But just to back stab people who cancel them they put on your credit file you paid 77% of your payments on time hoping to kink a deal with another bank. Imagine 660 late payments!!!!!! Who are they kidding? My credit clearly states not one late payment ever! But they throw that out to try and slander you. They don’t say any 30-60-90 latest just 77% of payments were on time . Liars , and scammers! Run don’t walk from these people.

Thanks a million Credit One Bank, the Birthday wish today made my 86th. Birthday complete. Really happy to be an account holder again, very anxious to do some happy spending with my new card. I am a very happy customer, and really appreciate my new credit card. Many thanks, Harold M. Piggott AR. 6/20/2026 17:22 hours. Very Happy Senior Veteran, USMC. and US. Army, Oh, forgot Navy Reserve when I was 46.

This company is an amazing, they care about their customers. This company provides great opportunities for their customers to have the ability to fix their financial needs. I truly appreciate how they look at every situation individually. I have had great experiences with this company.

Great experience

Please keep your eye out for a legal communication from my lawyers.

I have been a customer of credit one bank whom uses the American Express Logo and number but does not offer American Express customer service or experience. I was charged $433.97 from a previous company whom I closed an account back on October of 2025. This company went from Priority Meds to RXPros effective April of 2026. On April 24, 2026 they initiated and fraudulently charged my account $443.97, I contacted CreditOne customer service explained my situation. I told them I had closed the account and that I did not authorized the charge. Now, this company charged me, never rendered service, of mail any merchandise to me. I filled a claim and CreditOne investigated for three days and found in the interest of RXPros and denied my claim claiming the charge was valid. Now, keep in mind that I have not received a product, have been charged, and yet my claim denied. Now, American Express would have never complied with the merchant unless they verified I authorized the charge or that I received the product. This company carries the American Express logo, but they are not American Express, so if thinking about this card, look at a more reputable credit card company, this one is a big fraud!

I never experienced such rude and inexperienced customer service representatives, with no kne to talk to when any issue arises

Easy process, and painless. Was able to complete everything in less than 10 minutes.

Got easily approved and card was sent in a timely manner. Online setup was easy.