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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!!

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.

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 this app 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! This app 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.