Credit One Bank Mobile Reviews

by Bmendoza808

I have 2 cards on my account and I regularly login to check my balances and when my payments are due. I logged in this past week on the due date (27th of each month) that my bill was due to make a payment the same day, clicked on the correct card, made more than the minimum payment, double checked & paid it. I assumed it was going to apply correctly. Then when i checked my account the next day i seen that i was past due, a late payment fee of $25 was added to my account and was confused. I looked at my other card on the account which is due on the 14th of every month & it was applied to that card instead. I called customer service which in multiple instances they can’t ever understand what your talking about, barely speak English, and say they can’t do anything about it (how about a manager, a report or maybe even a dispute). This is very frustrating as I'm am always on time with my bills this pisses me off. That’s not it the same thing happened to my husbands account when making a payment to the correct card and then ended up showing as past due, a late payment was added & the payment was applied to the other card. Something has to be done either with CreditOneBank or the company itself because i never have a problem when making payments from my online bank.

by Backpfg

I made my payment on time 5/28 but my card was declined numerous times but never able to connect or speak to anyone. Even though you say you have hours you literally just hang up on people. Get my statement, shows payment was made on time, but no available credit, clearly a mistake on your part but again communication with anyone is not possible. No phone, can’t get logged in on the computer...your bots are totally a one way deal. You can’t even communicate with the bots so I was forced to set up an app on my phone and lo and behold, all of a sudden it turns out that I do have over 500 available credit. Golly, gee whillakers...I wonder if anyone will apologize for the embarrassment I’ve endured. I’ve been trying to straighten this out since 3/28 with multiple denials.

I’m 66 years old and I don’t do business on phone apps, I certainly don’t pay my bills on them. It is clear to me after trying to navigate your system for weeks that’s the only way you want to do business. I’m not sure that’s acceptable. I went ahead and paid my balance off. It’s kind of irrelevant, a card that you’re a good customer but you can’t use when things are really tough...well, what’s the point. But the issue is not being able to address it and get it fixed. That’s a problem.

by Ashlee147

Let me say this yes i was happy someone gave me a second chance after my bankruptcy. But this company is soo wrong for what they do to people! I was one day late, my due date was yesterday tuesday, i got paid today which is wednesday they literally charged me a late fee of 39$ for one day! Thats ridiculous!! Very uncalled for i havent decided yet if im going to keep this card because of that and not only because of that i had covid in january and my job did not pay me for the 2 weeks i was out so i fell behind on payments they do nothing to help me all they did was give me a headache calling me atleast 8-10 times a day and on weekends even after i spoke with a customer service agent!! Not only this but i recently paid the minimum due when i fell behind it was 69$ i bought my account current a few days after doing so i get a phone call from customer service saying i owed 69$ and i told her why is she calling me i already paid that and my next payment isnt til march 1st then the women on the phone changed what she was saying and said oh im calling to get the payment of 21$ thats due on march 1st mind you i recieved this phone call 5 days prior to it being due, i then asked the women doesnt she see in her comments or note box for my account that it was paid and she didnt say anything ! So to me that tells me there is no communication being done on accounts and with employees!! Smh if you can stay away id stay away from this company!!

by Kaylinnn1234

I accidently opened the account thinking it was my capital one just wanting to send me a new one 🙄 the reviews that are positive are no way real.. I’ve never heard anyone compliment credit one especially majority of users. I ended up keeping it cause figured people were exaggerating but they lower your score and make everything harder than it is, I don’t know if children are in charge or if people who weren’t born with morals and common sense did. 1)Everything pends for so long and when you just wanna pay it off you can’t you have to guess when it will pop up in the account.2)my score was high af till I got this card.. and I use it less and pay it more than my other ones. They keep you low to keep yur rates high and so you can’t change companies. 3)they copied capital ones logo on purpose, more than half of their users have done this.4)even CreditOneBank is set up super weird and could be a lot easier to see the LAST transactions but you have to scroll to the bottom and sit and count what or sit and click every one to see the dates, it should just be included in the amount and be at the top-newes goes to the top. 🙄 5)they have to randomly confirm a bank account you always use when you wanna make a payment sooo basically you can’t pay on time. I could go on but don’t get CreditOneBank and don’t get the card.

by Bmxing85

App itself is great and easy to use. If we’re to review CreditOneBank alone, 4ish stars. HOWEVER DO NOT OPEN ACCOUNT WITH THESE PEOPLE. I understand many tempted to open account with them because you’re new to credit cards or want repair credit are willing to try these guys. Let me say there are plenty other banks out there that will do this and not deceive you.

You start by paying an Annual fee. After the first year after you pay another Annual fee, now the month immediately after you pay the 3rd year fee, but they do installments each month. If you don’t use this card at all and assume you’re in good condition paying the full year and then nothing after, don’t assume this. They hit you up and don’t even send you any notifications mail or email about this. It’s planned out to be sneaky and they know most their account holders will not use this card after the 2nd year, so they start to charge you the 3rd year fee after the 25th month.

Avoid this card. They have terrible customer service, their lines of credit are terrible, and they advertise cash back on stuff, but there is like nothing out there that qualifies as cash back. Again Stay Away and if you don’t believe me, read other negative reviews and you will find others saying this same thing.

by Iroquois Jr

This company will make sure your credit stays where you need them they have cause every problem I’ve ever had on my credit report due to there negligence and tactics... every time your credit rating is rising to where other cc companies are sending you offers this company always has some issue that brings you right back down to high 600 credit score. Anyone else experiencing these same issues with them? 3 times I’ve had losses on my credit score I have 4 cards and this one has always been the issue. Credit one canceled autopay (without notification) and caused me the one and only late charge in my credit report even though they waved it on there end because it was my first late ever. There account is reported as closed on my credit report and that they say has to be fixed between me and the credit bureau. I’ve reported it to credit bureau and they say there isn’t anything further they can do. Now I get a check from them that says it extends my credit line $250 I deposit this check and all of a sudden there is a $250 cash charge on my card plus the $20 they charged for the check. This company doesn’t seem to care that they are destroying your credit there goal is to keep your credit screwed up enough so that you need there card long term and you don’t move on to better companies with better apr and services.

by Mom24monsters

My last review was last month around the same time. There was an update today, and they still have yet to fix the VoiceOver features so that visually impaired people can pay their bills without assistance. I was told last time that they would not charge me to do my payment over the phone that one time, but they would have to charge me after that. Is this credit ones new scam to get money from people? I asked myself this before I finally found somebody who would give me the one time courtesy of processing my payment because the morons who came up with CreditOneBank can’t seem to figure out how to turn on voice over to make sure that it works, though it’s built into their device, comes to them for free, and there’s no reason for it not to work, or for them to release any updates that don’t work with voiceover! CreditOneBank is not accessible, and should be polled! Credit one should also put all accounts having to do with visually impaired people in deferral until these problems are fixed, which means no interest can be accrued. Maybe, if they start losing money, they’ll actually find somebody who has a clue to start developing their app. Until then, the developer who is running on empty as far as brain cells are concerned, should be fired.

by Jaxon86

I use the credit one app on my phone to take care of payments, looking at statements etc... recently credit one send out a bank verification confirmation that wanted me to input the small deposits that were deposited into my personal bank account, which is another security point, that’s fine, here’s the issue. I have 2 cards with C-one, so there were 4 deposits made to my account. When I “guessed” on the deposits made and entered the amount it said the amounts were incorrect and I had to try back in 24 hours- because I had 4 deposits to choose from I was never able to enter the correct amount, a payment was due and again I was unable to make my payment because of the small deposit verification was never completed. Nonetheless I had to call in and make my payment, I was on hold for 10 minutes before a rep being able to finally post a payment- I was still charged a late fee and a $5 over the phone payment fee, the rep said he would not refund the $25 late fee because I didn’t make the payment in time, well I couldn’t make the payment in time because CreditOneBank was not allowing me too because of the added security issue of verifying the small deposits. I think that that added security is absolutely unnecessary especially if you have multiple cards- change the system in CreditOneBank please!

by Redsquirrel21

Been with credit one for some years now (3-4) I think. But this is in regards to their app and the transactions you perform. CreditOneBank , I always have to come back to it later. Every time I try to log in, app is under maintenance, not working, or I get error codes. I basically have to “try again later” when trying to see my transactions and available balance. In all my time with credit one, I’ve always hated their app. I don’t normally write reviews, don’t feel like it’s worth the trouble, but at this point! When you use your card it takes 5-7 days for the transaction to show on your statement. This also includes the update of available credit. Payments take 5-7 business days to process. I did an express payment since I had to get a rental. It took 2 days for the balance to update. When I called and asked why make people pay and say you will update balance immediately if that is not the case, I was told the rental company had my money. And until they refunded me they would update my balance. I hadn’t swiped my card at the car rental place. But according to customer service I had to wait on them. Terrible app service. Terrible customer service. Just all around 2 stars for the company as a whole. I gave 1 for CreditOneBank . 3-4 years and still waiting for them to get up to date with a decent app.

by M.S Ca

I’m very grateful this company took a chance on me and helped me on the path to rebuild my credit.. However with that being said CreditOneBank never works. Literally every time I try to login there’s a different problem first they were doing site maintenance, now its “unable to process right now try again later” then it sends you to their automated chat which is a circle of hell you can never get an actual live person to chat with, it’s just another useless circle of automated unhelpful crap! Another MAJOR ISSUE is the way they list transactions and post payments they do it in such a way as to really make it extremely behind/slow to post confusing and hard to maintain the account properly.. It’s not current it’s very outdated and takes forever to reflect payments. I just wonder if they do this so that they can charge more interest ... Im really starting to wish I never got this card! Seems like they are doing everything they can to try and prevent us from making payments!!! Just BEWARE
**app developer response was kind and professional therefor I updated my review by one star. Will update again if/when issues are resolved.

by BassaBoy

Now when you log out of CreditOneBank the finger print reader doesn’t auto launch itself so that when you touch the home button to close CreditOneBank , you don’t accidentally log back in to CreditOneBank . However the way this bank operates suggest to me that they have a vested interest in keeping you credit score down. For example if you pay off the full balance on your account hoping to see a zero balance on your credit file, you are wrong. The monthly fee for using the card which you can not pay in advance at the time you are paying off your balance is charge on the first day of the billing cycle which is the very same day that they update your credit report. So practically, it doesn’t matter how well you pay your balance in full on time, your credit file will always show a balance from Credit One. That small balance does have an impact on your credit especially when you are dealing with creditors who are looking at your credit file very critically either because of pass history or the reason for which you are applying for credit. Credit One is not the best card for rebuilding credit. If one is going to use this card because its the only thing available to them, one will have to very careful and watchful as to how the card affects their credit. The goal should be to get out as soon as possible.

by Tiny Trish

I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. CreditOneBank is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got CreditOneBank . I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.

by 268ant

This credit card is ok for people who need to build their credit. I have to say though, if your credit is decent you should not be paying any credit card for the privilege of being their customer. These people are making money hand over fist. Annual fees are just straight up greed.
This card tries to insert itself into your life with constant emails and notification about every little thing happening. Most of the alerts are unnecessary, but are all turned on by default.
The “offers” tab isn’t really about offers. It’s more a place for them to try to sell you a new card design and to add an authorized user. They want you to fail so they can charge you more. And they will absolutely get their money if you don’t pay. Credit One is not afraid to sue delinquent card users, which is their right. But they know their customers are broke, and they do not care. They just want their money. Anyone considering this or any other card for bad/no credit, just remember that they are doing this for a reason. Don’t be a victim to predatory lending.
My advice for people trying to build their credit is to get a secured card from Discover, and work your way up from there.

by Wildchildofgodbill

That couldn’t be smell more fishy if it was on a tuna boat in an Alaskan Harbor! When in your long and hectic life have you ever heard of a bank or a credit card company that WOULD NOT take money from desperate people trying to reestablish credit more than ONE time per month ONLY? Considering the current financial market we are in where peoples money comes sporadically and often at various times to where they have no control over when and how much they can pay their creditors, it would only make good common sense to allow people to pay what they can when they can because most people WANT to pay their bills and establish (or keep) their credit standing at a decent level, but how are you supposed to do that if the game is rigged? The people that set these rules obviously never had to choose between keeping that money that you were saving to pay the credit card bill, or buying food or medication with it. If you could just as easily pay the bill and be done with it, wouldn’t you? But if you’ve already paid a small portion previously, you can’t do that. So that money ends up getting used for necessities and your credit goes in the tank. Pretty common sense if you ask me.

by Vtscottyb

I tried to submit this review with 1 star but it won’t accept it... Huh 5 stars and tadah??
This card an company is a poster for PREDATORY FINANCIAL INSTITUTIONS!!! CREDIT ONE encompasses everything wrong with unethical financial institutions in America. Their business plan and structure clearly is set up to exploit vulnerable Americans. Whether having poor credit, or no credit. Each and every part of this multi-million dollar institution is specifically blueprinted by intelligent and educated executives who worship money and power over all other moral codes. God, country, karma is of no consequence to these people. Money, bonuses and their bottom line is above all else.
As just average Joe writing this harsh and critical review I’ll list several reasons why I know Credit One is meticulously set-up and designed and to make millions of dollars off lower income Americans.
-just google capital one vs credit one and you will see the scathing reviews from infringement of the logo to a Bloomberg financial article written by Jennifer Surane. This article is an in depth look at Credit One in 2017.
Buyers BeWare

by Ted Fowler

They were to give me a $5000 credit line increase on the two visa and MasterCard that I possess from the bank so until they got that done they waved all the fees on the account now they started charging me fees again which is costing me $20 a month to have the cards they were supposed to upgrade the cards in supposed to give a credit line increase as they have done either and now we’re back to charging me for having their cars I wish the credit one would wake up and do what they say they were supposed to do it’s been five months they waive the fees for five months they were supposed to do the credit line increase to $5000 for each card and waive all the fees so I have a new fee card this was never done
Every time I login to see my offers they have nothing for me I am in the ED don’t even have the credit score is not even correct so I wish somebody that owns the company can call me and rectify all these problems like they said they were going to do and it has never happened my phone number they have on file and can give me a call!

by Captain Kurk Scott

To whom this may concern: If you are considering putting in a credit application with Credit One Bank rest assured you will not regret it. Maybe you want to spread out your credit, or want to ‘REBUILD’ credit. This is the right place to be. I hit a few pot holes 🕳 in the road (not bumps / potholes)
When I opened my account I scored mid to low 500’s on the credit score scale. EVERY month I watched my score go up 🆙 & ⬆️. As my score climbed my amount of monthly credit did as well. Please note 📝 I did everything I could to pay my balance on time & in full. NO!! I did not always pay my full balance every single month but a payment was made every month. Even then I tried to pay more than the monthly minimum. Ohh 😮. Yes I now have a credit score above 700 !!!!! This truly has been a blessing for me. I trusted Credit One Bank & I don’t regret it. I believe you can trust them too. Only you can decide if this is for you. I wish you good fortune in your journey. Respectfully,
From Texas, Kurk

Disclaimer : I have ‘Not’ been compensated in anyway for my participation in giving my experience with Credit One Bank. Kurk.

by Mizz Bazan,m

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, CreditOneBank 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

by K Dott

The updated app is fine WHEN IT’S WORKING! It’s always down ....sometimes for days which is annoying severely especially when you’re trying to make payments. The other thing is they don’t allow you to schedule payments to be deducted at a future date. Every cc I have allows auto payments and future payments except Credit One. I’ve been late on my payment once because when I tried to make s payment CreditOneBank wasn’t working for almost a week!. By the time CreditOneBank was back up and running I had forgotten and my payment was pas due! If they would offer auto payments I would have been fine. I would close both of these cards if it wouldn’t negatively affect my scores. When I applied for these cards years ago I had only 2 other cards totaling $2k limit I now have over $100k in limits. I really don’t need the headaches that come with these 2 C1 cards. Low limits, high interest, NO AUTO PAY!!!!(get with the times!!), no future dated scheduled payments, terrible customer service. There’s just more headaches than benefits.

by Robynrae52

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

by Crystal Michells

This rarely updates to real time to show what I’ve spent. For the longest time it showed I had a bill for July due (July 26th) however I paid this mid July. I’d go to pay and it say minimum payment was 0. Ok, we can see I have made the payment and it hasn’t updated. At some point it showed my last purchase went through. However, apparently this wasn’t reflected on my balance summary because I log in today and am “past due” and over the limit. A. How can I be past due when the new date of payment is August 26th (FYI this is a future date???) and I’m past due when before I still had money left and my last purchases had went through. I keep up with the amount I owe, I didn’t know it’d be such a hassle to ask the company to do the same. Pretty sure some random “fees” go through to push me over my limit every time. I wish I would have looked into more credit cards instead of being young and dumb and accepting this stupid offer because the fees are ridiculous and rarely ever is the account kept up to date with how much has actually been spent and how much is still actually left on my card. Worst credit card ever. So ready to pay it off and get OUTTA credit one’s scheme path.

by Creaturecat

Unlike my American Express card. This credit one apt is limited and is not on the same level as other credit card apt’s. First of all it will not show notifications on my lock screen and it is a option in my settings! Second of all if I wanted to contact customer service through my apt I can’t do that.. but my Discover apt can! So what’s the problem with creditone? Third of all their need to be a complete history of your payments on one did and it needs to indicate when something is being taken out or the credit card is being used! It want even make a sound! Yes i set up notifications in the notification section! It still don’t work?! The transaction details should notify you whenever theirs a transaction or transfer immediately! But it don’t? Why don’t y’all check check out the Discover card apt and All it’s features? Get some pointers.. drop the pride! Get up to speed on this thing! After all it your customers that’s frustrated! I’m one!! Do you care?? When a purchase is made their isn’t a notification to inform you that your card has been used.. and the interest rates are too high! It need to be easier to see all of your purchases.. if you want to improve your apt the study the Discover card apt! Its pretty much perfect..

by Dadafafahideh

I was very skeptical signing up for this credit card at first. I read online that they were a terrible company to deal with. But as long as you stayed up on your due date, the $10 express payment isn’t an issue. However, I’ve had a MC for over a year, and the VISA for a year and 6 months. I encountered a problem where they kept returning my CC payments and I would eventually become over on my balance (got laid off for several months so I hit a hard time on my balances). After contacting my bank, there was no attempts to withdrawal my payments. I called and they made a real good attempt to fix the problem. Waived my fees, interest, and annual payment for the month it was messed up. The next following statement they re instated all my charges!! I called and asked why that happened, and the lady told me there’s nothing they can do even though the person I talked to last corrected the problem. I argued and fussed but they just wanted the money they waived back! So in the long run they screwed me over and didn’t do anything to fix it. Beware, they’re sneaky! I no longer have either of the two accounts I held with them. Not worth the problem.

by Hamobean

My review isn’t about CreditOneBank , but more the experience with this company. Just 3 weeks ago, Credit One allowed payment for a future date—even had a calendar where you can select the date. On April 21st, I scheduled a payment for May 2nd. The payment attempted to run the payment the same night (April 21st)! I got the declined notification from my debit card so assuming I must’ve entered the date wrong, I tried scheduling the payment AGAIN on April 25th, carefully selecting “May 2nd” from the calendar. Everything was set and yet AGAIN, it tried running the payment the same day! On May 1st, I log in AGAIN to make a same day payment but it would only allow the rapid payment for $9.95–REALLY?! I called to complain and the only thing the rep would tell me was that “future payment options are not available” despite me telling him that the website IN FACT DOES ALLOW IT. He ended up taking a payment over the phone and waived the $9.95 “Rapid fee”. Additionally, I was told I would NOT be charged a “Return Payment Fee”. Five days later (May 6th) I have 2 charges of $25 for returned payments?!? I’ve called to dispute this with a rep but only after 20 min of telling her the same thing about future payment option. She claims it’ll be reversed so we’ll see if they deliver on their promise.

by Dazzlingdive35

Very friendly customer service. They have given me a second chance to help me rebuild my credit. This is a good credit card to start off with. They increased my limit within two months of opening my card I started out at $300 and I was increased to $450. Just make sure you pay your bill on time. Only if you can pay the minimal amount make sure you do that. They understand people get in a bind that’s why there a second chance for building your credit back up again. After your bill is generated you can pay the full amount or you can pay the minimal amount and I believe that is only $29 a month. But I do advise everyone if you can’t pay a larger amount then pay it or if you can pay off your balance pay it.
For easy payment download their app and it’s just a 1 to 3 step and you’re paid.
Update they have increased my limit 2 more times now.
Still a great bank credit card

by NightRoosterCrows

We folks , it’s simple,painless,easy, and just downright tickles me silly over the fact that a child could do this simple process. I love that it’s so easy to navigate . I’m not much of a computer person and worry that I could make a mistake and it hurt my personal information or finances. But the process is simple and very understandable that if you double check before you submit your final payment options you will be fine ( it tells you to review your payment options before submitting it) . So for those that worry or just don’t trust internet payment options I say give it a shot I’m sure you will love its simplicity and gives you an ease of mind with a reference number as well as a memo or note that says payment made date and the amount . So there you have it folks but don’t just take my word for it scroll around read the others reviews and come on in and enjoy the simple life of easy payments with worry free . Now that’s life folks simple easy and just downright understandable. No tricks enjoy!

by KAtchley

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.

by Tayntatum

I was really worried because I read some really bad reviews for this credit card and this was the only one that would except me because of my credit. I am so happy I decided to get it, I’ve had the card for a month and I make my payments right when my balance shows up online and my credit score has already went up 110 points! My husband explained to me the reason there are so many bad reviews is because people don’t read the fine line, and only make a minimum payment each month which gets charged interest. He said to ALWAYS pay the full balance and try to pay it right when it shows up on CreditOneBank . This is a great card to help build your credit, especially if you don’t have established credit like me. As long as you’re responsible, don’t buy more than you can pay and pay your payments on time, this is a great card!