Credit One Bank Mobile 4+

Credit One was my first starter card after years without a credit card of any kind. The reasonable annual fee is worth the perks that the card offers, for instance if i use it for auto rental fees they cover the upgraded insurance - not total insurance but the upgrade from your personal liability - and additional warranty on particular products purchased, & more. That was my agreement, others may vary. After about six months of timely payments i received offers for other cards without an annual fee, & lower interest rates. At the same time Credit One offered to increase my limit, offered another card with no fee & a higher limit, & lowered their interest on any balance carried, so they stayed competitive. Credit One’s customer service is first-rate, comparable to big-name cards. The app on my iphone is simple & user-friendly so I’m downloading it to my ipad now. Easy to use online with windows too. I’m an elderly retiree who considers myself technologically challenged so if i can use it almost anyone can. In summary i highly recommend Credit One especially as a starter card, for the credit-challenged, or if the perks make it worth the annual fee. I renew because their updates keep them competitive, and that how long your accounts/cards have been open is considered in a credit score - with Credit One being my oldest.

My decision to get this card after reading far more negative reviews about ..payments …the app ..customer service…being straight lied to by reps and still being charged….than I am good reviews….

With that being said I all ready have an issue bc when talking to a rep about why I haven’t received the card after all most 15 days ..only thing they could say was their having a shipping issues (ok maybe) but then the rep told me that I all ready have a 81$ balance on the card that will be due Jan 18th …So i laughed and ask ..wait I haven’t even got the card and I’ve got a balance all ready …of course he said I’m sorry about the inconvenience many times but could not tell me when I would receive the card …So I asked. …so I’ll probably get the card when it’s time to pay the bill huh? Do you know he said YES!!! Like in January!!!.. I got approved for this card in early November…. I appreciate the card whenever I receive it ..but I think I should have read these reviews before I signed up to get the card And by reading some credit reviews I hope this card won’t lower my credit score like I’ve read it has done to other customers. I will only use this card for gas and no!!more!! bc I don’t want to end up giving Credit One another bad review! I will give you 4 stars for now only bc the rep couldn’t tell me when I would receive the card but knew very exactly that i have a balance and the exact date it’s due …Will see how it goes .

I've read reviews about poor customer service, lack of contact, etc...I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and LOVE them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there...and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One...and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.