I applied for this JOKE of a card over two years ago. Only once has a payment ever been received late, and that was one day. I recently requested to change my billing due date because I am moving, the request was accepted, so I waited to send out a check. I would pay on line except, opposite of any real company, their charges for on line payments range from $7.95 to $9.95. Low and behold, I was assessed a late fee of $29 AFTER receiving a letter stating my request WAS approved for, August First! So, I figured it had to be a mistake; I called, and "NO Sir, that letter meant that as of the August 1st billing cycle". For a lousy $200 credit limit after building my credit over the past two years with Legitimate cards, I find this company to be outrageous! If there is a way of having these charges reversed, I would greatly appreciate that information. I now am simply planning to pay off the card, cut it up and mail it back to them some time in August or September. joeyinpa -at- comcast.net

As someone stated before me, I got a pre approved limit of $200.00, and after the activation fee it was only about a hundred something left on the card but I didn't mind because I got this solely for emergency use only as I have an Orchard bank credit card and they are fine by me. So I activated the card about January or February so I hadn't had i very long. The first thing I didn't like is that if you make any other form of payment other than through the mail they charge you to pay your own bill and guess where they put the charge? On your credit account of course. To pay by debit is $10.00, to pay by bank charge is $7.00, I made my first two payments with bank draft because I didn't want to be late but after that I started sending checks, which I hate doing with card companies because they will try to hold the payment sometimes to make it look like you owe a late fee. Anywho, aside from the astronomical interest rate of 23.99% I ran into problems with this card when I made a payment and the bank accidently gave me the wrong routing number. So, when I realized what happened I immediately sent a check (on time) and was told my account was suspended until I got Bank verification in the form of the letter on a bank letterhead. FINE... So I went after school one day, down to my bank to simply get account verification in form of a letter, blah, blah, blah. They connect me to someone on the phone and Im told it will cost me about $15.00, which Im not going to do because I didn't do anything wrong. I told credit one, so I decided to print on my online statement and fax it to them, they didn't accept that but didn't even let me know they received my fax. When I called to ask if they received my fax they couldn't give me an answer she said she might not know for about a week. So then I'm thinking well why the hell even send a fax? When I called to follow up they told me they received it but it wasn't the proper document, I told them the trouble my bank gave me and they still wouldn't budge. I even continued to pay them when i couldn't even use my account, they had no problem cashing in my checks though. Not to mention their service reps are very callous and nonchalant. If your looking for a card to rebuild your credit or to begin a credit history try orchard Bank, the service reps can be annoying always trying to get u to sign up for something, but they are very nice and reasonable and don't charge an arm and a leg to pay your own damn bill. Credit One Bank would rather close your account than be reasonable and work with you, so I ended up closing it last month and I was glad to do so, I initially didn't want to because my credit score will take a hit but it shouldn't be too bad since I didn't have the account but 5 minutes. I would rather do that than deal with them ever again. So PLEASE head my warning, save yourself the time and money. If you get an offer from Credit One Bank RUN LIKE HELL. I wish there were more reviews out before I fell in their trap.

I am trying to refinance my home and found a write-off from Credit One on my credit report. It has never been there before. Apparently, someone using my name and SSN decided to open a card and not pay for it in 2001. Now the charges have been written off, and Credit One thinks I need to deal with it.

I've filed a police report, and can't get through to the fraud division to talk to a live person. All I get is the answering machine. When you call the customer service people, they don't have a clue. Archive people are snotty, and tell you that it'll be 7-10 business days before an investigation is complete. Well, hello! They say they will check to see if I activated the card or not. I never had the card in my possession. How in the name of green grass would I have activated it? The person who ran up the charges did! He/She was apparently quite good, as they did the same thing at a hospital while I was on a road trip out of state.

Does anyone ever have any luck resolving anything with this company? Or do lawyers have to get involved?

I DO NOT OWE THIS COMPANY- I NEED THIS TO BE TAKEN OFF OF MY CREDIT REPORT IMMEDIATELY THANK YOU

So i just recently got my FIRST credit card. It was one of those cards where they charge a whole bunch of additional charges, that you have to pay back, but never used. I was fine with that, knowing that i have to build my credit some how. Ive had it for 4 months now, all of which i had paid my payment on time, and $20 more than the minimum payment. This was my 4th month of which i have payed my payment. It was due on the 22nd, i sent it in on the 15th. They then called me daily telling me that they hadnt recieved my payment or that they lost it. Maybe because of the holidays, idk. This was THE ONLY month i had payed the minimum, instead of the usual $40 or $45 i send. Then then would not stop asking me to send in payments through mine OR a family or friends credit or debit card. On my last bill statment, they said i only had about $100 to pay back. When my mom talked to them and said she wanted to just pay it off so theyd stop fucking with me, they then said my balance was $245. my credit line was not even $200 from the start. None of the representaticves speak clear english. They have given my mom fake names, been rude, harrasing me, and none of them have the same straight story. These people are scammers, that try to take every last cent from you they can get up. If anyone knows what to do, or has any suggestions, please contact me, if you can. Were just going to end up having to take them to court. DO NOT GET A CREDIT CARD from these people!!!