Based on 40 verified reports, this firm maintains a 32% trust rating within the Saving Traders community.
Credit One Bank, NA, simply referred to as Credit One Bank, is a US-based bank specializing in credit cards.
"The interest is high. Credit One did give me a couple credit line increases!! but..came the 3rd credit line increase they wanted me to pay $19.00 to get it which is silly??? Don't fall for the silly increases that you have to pay for??? when you always pay on time! and I have never been late on my accounts through them?? That is horrible business."
"The worst credit card company to get a credit card with. Not only do they charge an annual fee as soon as you sign up. Which is complete nonsense. That just shows how greedy of a company they are. If you have any issues, get ready to speak to someone that is going to be very difficult to understand due to it being an international call. I haven't used my card in a year and have been making payments and my balanced hasn't went down yet after a year of payments. Due to all their fees and nonsense. I closed my account and let it go to collections because I would at least have a chance of paying it off. My credit limit was 1500 but I own them 1900 I'm not sure how they came up with that number. They even charge annual fees in collections lol"
"Garbage bank, garbage service. It’s like clowns who decided to open a bank. Stay away. You’ve been warned!"
"This company has helped me rebuild my credit. Gave me a chance when no one else would . Customer service is always great and making payments is a breeze!"
"They keep billing me but I don't have a card thru them. They did a fake review and said I still owe them 😂"
"Very shady company. I have heard of all the horror stories about credit cards and always stayed away. Unfortunately for me I am looking to rent my own place and I received to letter from credit one with in bold to sign up for card and receive my $2500 credit which I was going to use for rent and emergencies . Upon receiving my card, I only have a $300 credit line along with their outrageous apr rate. If I was only going to get $300 instead of the $2500 it made sure that I seen then I would've went with a different credit card card with alot lower apr and with a couple of hundred more credit limit. Other credit card companies make it clear what credit limit I would have. They don't try to put a couple of thousand dollar credit limit in bold big letters, they put what you actually would get which would be a couple of hundred dollars . Shady company would recommend any other credit card company . I would rate with zero stars but it won't let me ."
"Absolutely horrible. They hid the fact they have a fee in small print when it should be in large red letters. Of course they add that to the total which makes the claim of $400 credit limit deliberately misleading. They provided a digital card upon approval, then said I wasn't supposed to use it until I got the physical card for no reason. Support will threaten to hang up if you tell them you are recording, which is yet another undeniable sign of bad faith and shady dealings, especially when I can record them in my state and I don't have to disclose it. I am two days late paying due to unforseen circumstances, and they have called at least 4 times today without leaving a message. Stay away unless any of this sounds like good customer service, but if I knew then what I know now, I'd never have done business with them. There are no regulations because of our mad king, and there clearly is no honor, ethics, or morals in business any more, and these folks are another clear example."
"Okay so I got pproved for a credit card limit of $300 and I think I have to pay like $25 to get it started well after using it all up and pay my first payment I ended up losing my job and I wasn't able to make the payment so I ended up calling them because they kept calling me when I did talk to the lady she offered to help me with that I forgot what it's called but either way it goes they were able to reset my payments in Louisville without making something negative on my credit which that's where I was working on at first I have never had that done before I appreciate y'all love you"
"Before I even received the card they charged me the annual fee, then I get a message saying that I'm over my spending limit by $15 but it doesn't show where that $15 was charged from. There's no freedom, there's no apologies for their reprehensible behavior, and there's no way anyone should get this card or deal with this bank. They call it a credit builder but it's a scam. Charge me $65 before I've even had the card a week? Terrible."
"Credit One bank is a terrible bank. I got the card when I was rebuilding my credit now it’s been years and my credit is above 800. My income is $200,000 a year and I can’t get them to raise my credit limit above $1400 the card is worthless. It’s on my desk. I pay the eight dollars a month. I’m afraid to close the card because of what I’ve read on other reviews suggesting that they will continue to charge you and if you don’t pay, they will write bad stuff for your credit stay away from this card. All my other card have a credit limit of over $10,000 yet bank will send me offer preapproved for additional card, but won’t approve an increase in my credit limit. Terrible people hard to get a hold of on the phone and they’re very unhelpful. They sound like they’re foreigners in the call center. You can’t get anybody that can actually make decisions stay away."
"I used credit one as my first time credit card. Kept low utilization etc. Paid the balance in full be fore it was due. But one problem, they never would replace my $500 balance but kept charging me monthly fees. I would be stupid and kept paying them even though I couldn't use the card for anything. When I would call I would get rude customer service or someone that I couldn't understand. So I closed the card and now 10yrs later I am getting a 1000 debt bill in my mail about this horrible card company. Never get this card it's a scam and shitty bank. I don't care how bad your credit is or was once upon a time run from this card and don't look back."
"terrible company, fees are way too high."
"Worst experience ever. I provided my driver’s license to verify my address while traveling abroad. The bank took 10 days to perform a 2-second check. Because of their delay, my license expired, and they are now using that as an excuse to keep my cards blocked. A driver’s license verifies an address regardless of its expiration date for driving. They suggest I wait another 10 days to review a passport while I am stranded in a foreign country is a complete lack of common sense and basic empathy. Unacceptable. I spoke 4/17/2026 at 11:00am PST"
"Absolutely Horrible CS! Calls are handled by overseas call centers that employ absolutely clueless and totally unprofessional agents! They never help and are extremely lazy!"
"Need to offer zero stars!! This card was referred by Experian Credit, dont ever use their recommendations. I paid Credit One in full in Oct 2025, by phone, an amount THEY quoted. They even transferred me to the dept that offers you the moon not to close your acct!! I have an email confirmation of the acct closure, plus a refund for overpayment issued in Nov 2025. For the last 7 months they have been charging me interest fees on an empty acct. Now it's showing delinquent and lowering my score. I have recorded phone messages trying to straighten this out but they just hang up. Don't EVER get a card from them. Not worth the hassles."
"I got a card from them, it took 2 months to get to me because they would not change my address for weeks, then, I got the card, bought some coffee and pizza and they froze my card. They would not accept my documents, and said I still owed to pay the first payment plus $30. They are all scammers. This is not capital one, its a cheap spinoff. DO NOT EVEN APPLY."
"Unauthorized transactions were made on my account in another state where I was not physically present. I have clear evidence proving my location at the time, but the bank continues to ignore it and refuses to properly investigate. Instead, they are holding me responsible and demanding payment for transactions I did not make. Very concerning experience"
"0⭐️CANCEL YOUR CARD before they change terms on you! Guess there is a clause that they can change their agreement with you at any point regardless of your perfect pay history and 800+ credit score. They charged me a $95 annual fee that was NOT in the original agreement I signed. I only signed up because in the original agreement there was no annual fee. Why would I have signed up for a $1500 credit limit for $95 a year when I have other cards with 12k+ and 10k+ limits with rewards and no fee."
"Paid my bill 9 days ago, balance still has not updated. Last month they wanted me to prove my payment by bank statements and that took a week to clear..this card sucks"
"Credit One increases the Annual Fee every year. It is now $95 up from $35. I don't find out until they send me an email saying that I'm over my credit limit. The stupid Annual Fee puts me over the credit limit!!! I HATE CREDIT ONE!!! HUGE MISTAKE!!!"
