Credit One Bank Mobile Software

I love how easy this apps makes it to stay on top of things. I’m rebuilding my credit so I am watching every minute of statements and alerts. I would highly recommend this card/company. The only thing that bothers me slightly is this: I usually pay off my balance before it becomes due. Use the card because I’m trying to establish credit worthiness again. There is still an assessment of finance charges that I don’t account for when I pay a little early. So I end up having to make another payment for less than $5 to cover those fees. I think maybe you can only make one standard payment once a month (or only within so many days apart with out a service charge). I’m not sure, and it’s likely written in the terms of agreement. It would, however, be great if those charges were waived when a balance is paid in full before due, but I do understand this is one of those cards that helps you reestablish your credit so you may pay just a little bit extra to do it. It is so worth it though! Just a few, on time payments, has boosted my credit score over 50 points. There are a couple of other factors that went into that, but this is one of those cards that will let you reestablish your credit with minimal fees.

Besides the interest rate being too high, and I have never missed a payment on any of my accounts in over two years, this is not my favorite card. Not because the interest rate really, it’s puzzling to me why a standard payment online takes one week to show up on my account. I do not understand why, unless using the express payment makes them some extra money. Which it does because I have used it twice and the charge is over 5$ but less then 10$. The card was available when I needed it so I give it some credit. And I did get money returned to me immediately when a hotel double billed me. So that’s why I give them 4 stars and not 5. I have been ill for 10 days and I just made my first late payment on any of my credit cards in over two years! I was charged 25$. I will call and try and see if they will reimburse me the $25 since I was seriously ill and unable to do anything. I am disabled and am alerted on my phone so I won’t be late. When ill, I thought I had made my payment. I was on Med and very confused. So, unfortunately it was partly my fault. If you need a card and your credit rating is not the best but at least over 450, you might get this card. Thanks

The payment are reasonable the only reason I gave 4 stars is because the yearly fee are high didn’t expect that and once you activate the card you have to pay it no matter what, so once you activate the card you sign the agreement and when I order you the card they said pick the one you want they didn’t say that they were going charge me for the pink one, maybe it was a miss understanding, or I did not read it correctly but whatever the reason, I should of paid more attention, but over with all it’s a little EMERENGCY CARD, for whatever may come up, I did buy a pair of shoes for my daughter and it seem like I’ve been paying the price double so be careful what you get Your self into read read read all the rules for this card, The app is easy to use it’s easy to understand easy to pay you bill and you can split the bill in half if your payment are 25. The. You can pay 15. And then the other 10 later on in the month but everything has to be on time because they do report to major credit bureau and cc company’s..... it help build my credit scores so thanks for that. Sincerely,. Miss Maria,B