Review Insights · Google Play
Credit One Bank Mobile
Credit One Bank, N.A. · 784,600 ratings · ★ 4.7
4.7
★★★★★
784,600 ratings
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Top complaints - extracted from 30 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"card"
8 negative reviews mention this · 27% of all complaints
★★★★★ "too many fees. I don't like this card. I didn't have a balance a week ago when I checked now I'm late eith fees." - Brianeal Cole
2
"account"
8 negative reviews mention this · 27% of all complaints
★★★★★ "DO NOT download or use this app! Credit One is scamming consumers. I have reported them to the Fair Credit Comission for fraudulant activity. Make a payment with this app, the deposit is withdrawn from your account, but dissapears. After 6 …" - Kris Grows
3
"service"
7 negative reviews mention this · 23% of all complaints
★★★★★ "bad costomer service" - fahad tayyeb
4
"credit"
7 negative reviews mention this · 23% of all complaints
★★★★★ "good credit starter but not great long term" - Joshua Williams
5
"customer"
6 negative reviews mention this · 20% of all complaints
★★★★★ "customer services IS AWFUL TERRIBLE 😞" - Frederick Thompson
6
"customer service"
5 negative reviews mention this · 17% of all complaints
★★★★★ "customer services IS AWFUL TERRIBLE 😞" - Frederick Thompson
7
"bill"
5 negative reviews mention this · 17% of all complaints
★★★★★ "ridiculous paying a fee every month have requested multiple times to close this account yet they continue to bill me every month" - Denise Clark
8
"fees"
4 negative reviews mention this · 13% of all complaints
★★★★★ "too many fees. I don't like this card. I didn't have a balance a week ago when I checked now I'm late eith fees." - Brianeal Cole
9
"late"
4 negative reviews mention this · 13% of all complaints
★★★★★ "too many fees. I don't like this card. I didn't have a balance a week ago when I checked now I'm late eith fees." - Brianeal Cole
10
"payment"
4 negative reviews mention this · 13% of all complaints
★★★★★ "DO NOT download or use this app! Credit One is scamming consumers. I have reported them to the Fair Credit Comission for fraudulant activity. Make a payment with this app, the deposit is withdrawn from your account, but dissapears. After 6 …" - Kris Grows
11
"limit"
4 negative reviews mention this · 13% of all complaints
★★★★★ "If negative stars could be applied I would. This credit card company is slimey, sketchy and will continue to charge you late / service fees until the account is over the limit. Do not use them🔆" - Keith Haffron
12
"possible"
3 negative reviews mention this · 10% of all complaints
★★★★★ "absolutely predatory. do it if desperate - keep balances low as possible and lock it up once done." - Tootie Hagood
📋 All 30 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
absolutely predatory. do it if desperate - keep balances low as possible and lock it up once done.
too many fees. I don't like this card. I didn't have a balance a week ago when I checked now I'm late eith fees.
bad costomer service
customer services IS AWFUL TERRIBLE 😞
good credit starter but not great long term
DO NOT download or use this app! Credit One is scamming consumers. I have reported them to the Fair Credit Comission for fraudulant activity. Make a payment with this app, the deposit is withdrawn from your account, but dissapears. After 6 months of on time payments since opening the account, Credit One immediately sold my account to collections. I have all copies of my deposits and will be filing in court.
If I could give -5 stars that wouldn't be bad enough. I have been out of town for medical appointments and missed my April 20 payment. Within a few days they were calling up to 8 times a day, many under an hour between calls. I've never been late before. I will pay this card off as soon as possible and close my account. I will report this to the FTC because that many calls is illegal and harassing. I deserve to have the late payment waived due to the stress and incessant phone calls. Awful!
they lock ur account for no reason so they can keep ur money and keep paying them
terrible customer service. they cancelled my card after I activated it. it will be 30 days before I can even use the card. took 14 days to receive the first one. terrible. stay away. customer service call may as well talk to a brick wall
I can't get the app to load. keeps glitching in the opening screen
If negative stars could be applied I would. This credit card company is slimey, sketchy and will continue to charge you late / service fees until the account is over the limit. Do not use them🔆
ridiculous paying a fee every month have requested multiple times to close this account yet they continue to bill me every month
this is the worst company that can deal with they closed my account without any notice neither an app notification or email
The app isn't the problem in my experience, it's the card itself! Got a pre-approved offer in the mail and I accepted it. They said I was approved with a $400 line of credit and $100 cash advance limit. After getting the card in the mail I activated it then tried to use it but it was declined. I call customer service and was told that there was a restriction on my card and I needed to send a copy for of my driver's license, recent utility bill and proof of income. Ridiculous!!!! 0 stars!!!
haven't had issues until they started making my account over my limit by one dollar then put a note threatening to close my account if not paid. then I pay it and they don't update my balance instead they hold my money for a bank validation request from my bank and the info there requesting on it my bank will not provide every single thing. now I'm out of 400 dollars that I paid and needed because I just moved and need to pay my phone bill. now I cant. if they correct this I'll change my review
Is the app and website under constant construction? Haven't been able to pay my bill due to app AND website down. Pain in the ahh. No one has time for this.
. they call your number when you never even opened a card thru them and ask for payments. they were already sued for this once.....
to many hidden fees, best off borrow from a loan shark
Because Credit One has NEVER MAILED ME MY PHYSICAL CARD I AM UNABLE TO PURCHASE ANYTHING OUTSIDE OF GOOGLE WALLET. THEY HAVE SUPPOSEDLY MAILED ME A CARD ON THREE OCCASIONS, EACH TIME CANCELING MY CARD, AND ALL I HAVE IS A VIRTUAL CARD ASSOCIATED WITH MY GOOGLE WALLET. I HAVE NO IDEA WHAT MY CARD NUMBER IS, NOR ANY OTHER DETAILS SUCH AS EXP. DATE AND CSV. EXTREMELY SAD.
the app wont let me sign in using my s/s #
They are a scam they started taking my credit before I could use the card and then tried to get me to pay them back for the credit they took stay away from them and don't ever sign up for this they will take the credit before you ever get a chance to use the card. I was just going to use it for emergencies but I never got the chance to do that so I cut the card up and closed the account cause I'm not about to pay you for ruining my credit.
Avoid this company. Incredibly oppressive bank with exploitative practices designed to set you up for failure. They delay posting transactions. Annual fee, high fees, policies designed to result in extra, unjustified charges. The app is remarkably lacking in normal features. Their customer service processes seem to be designed to frustrate you and keep you from using it. The consistent dysfunction is a designed feature, not a bug. Avoid if at all possible!
pending is too long and drawn out.
Worst financial institution. They absolutely take advantage of you. $5 express pay? Takes the same amount of time. Held up getting my dog euthanized...real talk. Random charges. Zero customer service. Do not recommend at all.
I have made payments 2xs and got it sent back they claim and but also have a 3 .00 worth of over draft protection sad bc no reason my bill more than limit when payment sent so not worth having. and nobody that can help with what this happened..they just said want payment but can't answer me why. I won't ever have sr this again and my sister is having the same issue with hers
You're having a problem when it comes to login is saying that there is a problem that y'all working to get it fixed this happens a whole lot Way too many times
cant use my cards.....locked out
They will cancel your autopay and charge you 30 dollars. ask me how I know
Stay clear of credit one they will scam you. payment due yesterday I'm on auto pay. Went on the app this morning to check my balance it said MARCH 6th $29 late fee and MARCH 6th processing payment of $50. How can my payment be late when I'm on auto pay. Also they will screw your credit score. They say my score is 555. that's a joke. Don't know where they get that info from cause my FICO score is 628.
A terrible app. It has never worked right. Customer service is nasty. I don't like it
Sentiment summary
93%
Positive (4-5★)
3%
Neutral (3★)
4%
Negative (1-2★)