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Credit One Bank® Visa® with Credit Line Increase Reviews

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Credit One Bank® Visa® with Credit Line Increase Reviews’ Key APRs & Fees

  • ANNUAL FEE $0 - $99
  • REGULAR RATE 15.65% - 24.15% (V)
  • GRACE PERIOD 24 days

Credit One Bank® Visa® with Credit Line Increase Reviews’ Rewards

Base Earn
Max Earn
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.

Credit One Bank® Visa® with Credit Line Increase Reviews’ Highlights

  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Flexible payment date to assist you in making your payments on time.
  • Grace Period: 0 or 24 Days (see terms)

Credit One Bank® Visa® with Credit Line Increase Reviews’ Additional Info

  • MAX LATE FEE   $37
    3% or $1.00, whichever is greater
  • SMART CHIP   Yes, chip-and-signature
    17.9% - 25.15% (V)
    $5.00/8% or $10.00/3%, whichever is greater (see terms)
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Customer Questions and Answers

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What is the amount that a person is usually approved for on a credit card with bad credit to start

Photo of Card H.
Nov 5, 2013
It depends on the type of card you wish to get, the company that issues it, and your overall credit standing. Most secured credit cards require a refundable security deposit of at least $200 that will serve as your credit line. So for example, if you place a $300 deposit, your credit limit will also be $300. With an unsecured credit card for bad credit, like the Credit One Bank Credit Card, the credit line that you will ultimately get approved for is hard to predict. Credit One will make that determination based on your income, debts, and the exact nature of your credit history.
23 Votes 49 26

Is this a credit card?

Photo of Card H.
Jun 7, 2016
Yes, the Credit One Bank Visa is an unsecured credit card (i.e. it does not require a security deposit). You can learn more from our Credit One Visa review: . Please let us know if you have any other questions!
10 Votes 17 7

What happens when I pay off my balance?

Photo of Card H.
Jul 15, 2016
Paying off your balance enables you to completely avoid interest charges. Also, if you pay your bill in full every month, you will benefit from a grace period of up to 24 days (i.e. the period between when your bill is made available each month and when interest begins to be assessed). For more information on this topic, you can check out our Credit Card Bill Payment Guide: . Hope this helps!
5 Votes 6 1
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Customer Reviews

Share your insights and review the Credit One Bank® Visa® with Credit Line Increase Reviews.

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3.1 out of 5

3,844 reviews
Photo of Card H.
Feb 4, 2016
The Credit One Platinum Visa Card is one of the best options for a very particular type of person: someone with bad credit who needs what amounts to an emergency loan. If, for example, you need credit to cover the cost of vehicle repairs or unexpected medical expenses, rather than for the primary purpose of credit building, then paying $35 to $75 in first-year fees for an initial credit line of $300 to $500 might very well be the best deal you’re going to find. The ability to earn 1% cash back on gas and groceries sure doesn’t hurt, either.

Just keep in mind that this card charges interest at a more
Photo of Tiffany Y.
Aug 10, 2016
Credit scores were in the mid 500's although Credit One pulled Experian and showed me at a 629. They approved me for 400. I was so very leary after reading all the reviews. I almost started to cry because I thought to myself, you just made a huge mistake but I figured I would give it a chance. Now I can't give it a spectacular review, I have only had the card for a month but the more I read and research, I have come to a conclusion. A majority of you complainers can't manage your money and that is why you are in this pickle you are in now. more
Photo of Emira B.
Aug 4, 2016
I got this CC when my CS was still in the 500's after a repo. The initial fee was high. $75 I think so you'll be paying for a card before you even get to use it. But after being with them for a year, my limit has gone from 500 to 850 which is my highest credit limit. & they just sent me an offer for another credit line of 500 so that's $1350 in total. Had to pay 20 bucks up front to accept the credit increase though. Other than that, no problem. I was late one month and they waived the fee.
Photo of Selena E.
Jun 20, 2016
I have had the card for over 3 months and it still has yet to show up on any of my credit reports. How long does it take . I have made 2 payments already and have a zero balance.
Photo of Totrueforyou F.
Jun 28, 2016
Sometimes it takes the credit agency awhile to post. But I know that most agencies are behind in their postings. Why?, I don't know. Keep paying on time and eventually TransUnion will begin posting. But remember their postings will be two months behind. Hope this helps.
Photo of Armando S.
Jun 13, 2016
Credit one bank
Worst credit card ever.

i call for cancel my credit card before they charge me for annual fees.i call 2 months in advance before a year complete. I have a new credit card whit no anual fee. They told me no to worry, they won't charge me any anual fee. When the time come anual fee apears in my statement. I call back they remove the anual fee and I cancel the credit card. Now they still charge me for anual and maintance fee.

Really bad experience and a rob.

(855) 411-2372
Photo of Steve J.
May 28, 2016
This is a complete scam, i have no idea whats going on but i havent received a card , but did get a bill, an email saying i was approved. But another member of my family was told fraud was attempted on them. Ive received over 20 pre approved notifications. Cant sign in , told card doesnt exist but bill for 45 does. If this isnt cleared up i will be making a bold statement about this companies practices after seeing what my lawyer thinks.
Photo of Julie K.
Jun 4, 2016
Same thing happened to me. They didn't say fraud on the account just I owe money.
Photo of Totrueforyou F.
May 27, 2016
Since March of 2016, I can truly say I like this credit card. Since having fair credit CreditOne Bank has opened an opportunity to improve my credit ratings.
Because I read about the annual fees, I was well aware of the process. Paid the fee the first month and received an increase the following month FREE. (complimentary)

For those who have complained about the bank have caused their own problems. I have used, paid and receive cash back rewards with no problems. I avoid the APR by paying my balance in full before the due date. I also make sure I use my credit after the closing date to avoid interest more
Photo of Jessenia B.
Jun 24, 2016
I have no problem either i dont understand what everyone is talking about horrible company yes high annual rate but thats the price you pay for bad credit
Photo of Sandra T.
Apr 25, 2016
literally these people are in the stone age yet, the customer service is horrible, they do not qualify for the adjective scammers because how come far exceeds the qualifier, a total disaster. I would not recommend to my worst enemy
Photo of Virginia S.
Mar 28, 2016
I haven't had problem with this card never missed payment never late.I've been loyal customer 1 year and no credit increase?They sent me email im due forbone but when i replyed they denied me?Really making me doubt how good they have been?
Photo of Paul A.
Mar 19, 2016
This card helped get me started again. Like many of us these days I stumbled and hit hard times and had to declare bankruptcy. These folks accepted me and after a few months of paying on time they immediately doubled my credit line from $300 to $600. I had to interact with support for 2 issues and each time they were responsive and courteous. My only negative is I had to pay a rather large membership fee but in all fairness that has to be expected given the risk they took by granting me a line of credit. I also earn some cash back for my purchases which is a more
Photo of cmatt01
Mar 8, 2016
I applied for this card I have fairly bad credit and I wanted to re-establish my credit rating. I was easily approved without having to provide any extra documentation. The APR is very high and there is an annual fee that is deducted immediately when the card is activated. There is also no option for automatic payments. But for those with bad credit, this could be a good card to get back on track to good credit.
Photo of Jonna K.
Mar 6, 2016
My husband and I have had this card for about 4 months now. Unfortunately, my husband was a victim of the downturn of the economy. He delivers new semi trucks for a living and when the economy turned, truck sales were down and he was laid off for 6 months, which ruined our credit. We actually waited for the kids to leave home before trying to get a card. This offer came in the mail. I read EVERYTHING thoroughly. I ran it past my husband and we decided to go for it. We were approved and got a card with a low limit ($300). After the first month, we got more
Photo of Billie K.
Feb 24, 2016
Read a lot of negative reviews about this card but my girlfriend denied having any issues with it so I applied. I have had the card for approximately 3 months and has had one complimentary credit line increase. My experience with them have been positive so far.
Photo of Tjeany
Feb 22, 2016
Helped me get my credit back on track after my bankruptcy. It worked! My score rose in like a year. Such a great feeling!
Photo of Megs
Feb 21, 2016
My husband and I were in debt and had to file bankruptcy last year. I was looking for cards to try to rebuild our credit. We each got a Credit One card to start the process. The interest rate is a bit high, but that is to be expected when your credit score is low. I would recommend this card to others that are trying to rebuild their credit. If you make your payments on time for 5 months in a row, they will up your credit limit which is a nice perk. The customer service has been great and I have no complaints in that area.
Photo of cmatt01
Feb 13, 2016
I have challenged credit and have been looking for ways to re-establish my credit rating. I got immediate approval for this card without having to verify any information. I received the card in few weeks of applying. The APR is rather high but I think this is a great card for those trying to establish or repair their credit rating. The card even offers cash back on gas and grocery sales.
Photo of Teej E.
Feb 5, 2016
This credit card provider finds a way to charge you for almost every activity, from an annual fee (broken down into 12 monthly payments), to charging you for an earned credit limit increase. If you choose a designer card, there is a charge. When making a payment there is such a long processing time that unless you make your payment 7-10 days before your due date, it will be a late payment which will incur charges/penalties. Alternately, they offer a quick posting method that your charged for if you haven't allowed enough lead time for your payment to process and post by the due date. If they up your credit more
Photo of WildBill62
Feb 1, 2016
This is a good card if you have bad credit and want something to help make it better. You will not get a high limit and the fees are really high but that is the price you pay for having bad credit. They do increase your line if you are good about paying. They also do report to the credit reporting agencies. Again the fees and interest rates are high but that is to be expected.
Photo of Bruce M.
Jan 29, 2016
Just don't get this card! Hidden fees, interest on purchases I didn't make, this is more like what you would expect from a loan shark than a credit card company! I had balance transferred to another card and that REALLY pissed them off, hitting me with cancellation fees of $74! I was held hostage and they refused to cancel the card until I paid it! Please stay away from credit one
Photo of Cat C.
Jan 27, 2016
I paid the minimum on my CreditOne card ON TIME but they still added extra fees for the hell of it and claimed that I'm $17 over my limit!! If they want extra money in order for one not to be over the limit, they should simply say so instead of ripping off the customers with minimum payments! I HATE this card and once I've paid it off, I'm cancelling and going with another bank or even a secured card instead!
Photo of Annamarie K.
Jan 23, 2016
I just got off of the phone with one of Credit One Bank's customer service reps. (I would've emailed them but that is not an option on their antiquated site.) I've had my card for nearly two years, have never missed a payment or been late. Not once, not ever. Despite my credit score of 722, I still am charged an annual fee, have a high interest rate, and a very low credit limit. I've been a loyal customer and have other cards with much lower rates, no annual fee and high credit limits. This card offers no perks / rewards to boot. The customer service rep I spoke to more
Photo of Kelli P.
Jan 4, 2016
This isn't the worst of the low credit score cards I've had, but it definitely is not a quality card by any means. If I wasn't trying to rebuild my credit, I wouldn't even bother keeping it open. You can get so many better cards without fees, better interest rates and even cash back.

On the other hand, I do get a tiny bit of cash back on gas and it has helped me to rebuild my credit, so I can't complain too much.
Photo of Felicia L.
Jan 3, 2016
Credit One Visa serves it purpose to help rebuild your credit, but they are stingy with credit limit increases. I had to wait an entire YEAR before I was offered an increase. They only offered to give me $250 and were going to charge me $14.95 if I accepted. I paid on time, making multiple payments a month every month, paid Balance in full a few months and all they want to offer is $250??!! Capital one gave me $1000 increase on BOTH of my cards with them. Overall, it is a pretty good card for people trying to rebuild their credit. I am thankful they gave me a chance more
Photo of Tanya M.
Jan 10, 2016
I had my card 30 days and they gave me an auto increase no fees
Photo of Virginia S.
Mar 28, 2016
They haven't gave me a increase either and its been 1 year?Guess its for the best less interest to them.Capital one is still the best credit ccompany out there!
Photo of Chandra F.
Jun 22, 2016
Which capital one card do you have???
Photo of Robert D.
Dec 25, 2015
Credit One Visa card is a card that I wouldn't recommend to anyone. Credit One promise to Increase my credit rating after 6 months if paid on or before due date. I made my payments on time still hasn't received an Increase. I received a bill for $50 dollars before I activate my card. My credit limited was $300 dollars with an high interest rate of 23.90 percent. Stay away from this card it will decrease your credit not Increase it. There are too many charges and fees.
Photo of Alyssa B.
Nov 26, 2015
I am very happy with this card. My credit is NOT great, and I needed some help. I got approved for this card on a whim, and have made sure to pay it off shortly after I use it each time, and have gotten two credit line increases so far. My limit is less than 1000, but that's ok, I am happy with that. They've been very fair to me!
Photo of Bruce M.
Jan 29, 2016
Thanks for that review Credit One employee
Photo of Ashley N.
Nov 15, 2015
This is my second year having the credit one bank credit card. I have been reading the negative reviews online and I have to say that my experience has been more positive. My personal history summarized: worked hard to build my credit; met guy, got married, a couple years and a few bad moral & credit decisions later, my credit was ruined. I am now divorced and single. I signed up for this card in 2014.

Facts about this card:
1. For people with bad to below average credit;
2. $75 annual fee upon sign up (introductory fee); is immediately tacked unto account as soon as you activate the card and more
Photo of Suzi U.
Feb 25, 2016
Truly. I can't really post a review because I've only had this card for one month... But I see a lot of complaints here about things they could have read in the terms of use. I've used the card a couple times with no problems and paid it off immediately, for free and with no problems. I just plan to use it until I start getting offers for better cards. Until then I'll pay the yearly fees and CL increase fees because that's the price of building my credit.
Photo of Joshua C.
Nov 3, 2015
Had this card over 1 year, never saw an increase in limit even though I make my monthly payments on time. Waste of time with this company. Applied twice for increases over the last year, declined each time. Went online to capital one logged into my account clicked on increase limit, and 30 seconds later came back approved and my limit was changed immediately. Good by Credit One!
Photo of Virginia S.
Mar 28, 2016
This exactly happened to me same experience.Your right Capital one is the best!Credit one is really bottom of barrel lately.
Photo of Alisa B.
Jun 11, 2016
How can u apply online for an increase ?.
Photo of Josh P.
Sep 17, 2015
credit one platinum card- no deposit required
It was easy to get with poor credit - CL of 400
very hard to get a credit line increase. they do not show your credit score as advertised.....all of their "perks" you have to pay for
took 3 months to show up on my credit reports
$75 annual fee gets charged to the card soon after you receive it
hard to pay, there is no app and you have to jump through hoops to pay it. it takes 4-5 days for your payment to process. if you want it to process sooner (1-2 days) there is a $10 fee.
the customer service is terrible, one guy was actually more
Photo of Mark W.
Oct 17, 2015
Actually if you use bill pay from your bank it's free and only takes 1 day to post to your account.
Photo of Michael M.
Aug 12, 2015
stay away from this card,all of the positive reviews are bullshit, this is a scam stay far away, you can do better, secured card, start with fingerhut thats a better start than these con artists, they should be shutdown, look at there logo looks like capitol one credit cards, think thats a accident, fraud !!!!!!!!!!!!!!!!!!
Photo of Brandon D.
Oct 19, 2015
I have 2 of this company's cards and I have no issues whatsoever after doing business with them for 3 years now. I highly recommend them.
Photo of Par P.
Aug 6, 2015
THE CREDIT ONE CARD IS COUNTER PRODUCTIVE. The policies of this card are complicated and costly. Contrary to its claims to help build or repair credit, it won't. Its quite the opposite. A $75.00 fee is deducted from the credit limit before you even use the card and its due before the 30 day period has passed, a $25.00 late, and serveral processing fees, and many hidden fees. By the time you add up all the fees a majority of the credit limit is owed back to Credit One leaving you with hardly any credit to spend for the things you got the card for in the first place. This more
Photo of Samantha S.
Jan 25, 2016
That's the point of cards for people with poor credit. The sub-prime lenders like those offering the Credit One card are unsecured but guarantee the user pays up front (deposit esque) and test the waters with you on the "balance." If you pay the balance off each pay period you not only save daily compounding interest fees you are also apt to receive the mythical limit increase reviewers claim don't exist. Paying the balance and paying the minimum say two different things. 1. If u pay the balance (or most of it) each month it says youre bot over extending and use credit wisely. Youll likely receive a high offer. more
Photo of Gina H.
Aug 3, 2015
Hi I've had this card about three weeks and I was approved for the 300 credit line I'm elated because who would ever trust me with money right?
yes I destroyed my credit in my younger years and I'm still struggling to become more responsible with my money management. So far so good everyone I like the fact that they have numerous ways for you to pay them western union, moneygram ,bank account and fast pay with debit there's no way anyone can default with this card impossible. If one method to pay doesn't work you have another excellent. I haven't received a credit line increase as of yet more
Photo of Alan S.
Jun 30, 2015
Do know that the annual fee, about $75 is charged to your account immediately once you accept the card, so don't run out and max your card Also, no one there at customer service is American so good luck understanding them. I had to keep asking the person to slow down and speak slowly and had them repeat what they were saying over and over again. It's embarrassing to have to keep telling a person you don't understand them and it's frustrating to not be able to get a full and complete answer because of the language barrier. This is my opinion so far, maybe things will improve.
Photo of Rebekah W.
May 19, 2015
This is an awesome credit card. The cash back benefits are better than any other card, allowing me to withdraw however much I want to cover other bills. I lvoe using this card to buy gas, since it lets me get good benefits/rewards on so mething i have to buy.
Photo of Bruce M.
Jan 29, 2016
Another Credit One employee making extra cash to post good reviews-your not fooling ANYONE!
Photo of Airam N.
May 19, 2015
From all that I've read not just here but other review sites, those who have a less favorable opinion of the Credit One Visa are those who seem to be headed right back to that situation that ironically got them here in the first place! Use this card with the expressed purpose of building OR rebuilding credit , meaning: only purchase what you can pay IN FULL AT STATEMENT TIME! Anyone sweating the interest charged tells me you're carrying a balance which means you're really not that interested in truly changing your financial future. Paying on time is great and sometimes an emergency will require splitting up payments but short more
Photo of Matt K.
Jul 18, 2016
Interest accrues even on paid balances. No grace period. So they charge you that monthly fee plus interest on top of ithe. Not worth it
Photo of Brittany H.
Apr 19, 2015
I like that I was approved for this card because I have very low credit and my credit has improved from owning this card. I do not like their customer service. It is very hard to get ahold of somebody that I can communicate with. At one point I moved and called to have my address switched and about 3 months later I lost my card and when I ordered another one they sent it to the wrong address.
Photo of Ovusian L.
Apr 16, 2015
I was looking for a credit card that didn't have absolutely ridiculous fees or rates. My credit - like many others - was damaged by the recession and subsequent housing market. Regardless of that however, I was able to get a card with the Credit One Bank and even though it has an annual fee it does not have all the additional little fees that many other "poor credit" credit cards have. These other cards heap on activation fees, but this card does not.

Make no mistake it is not a great card, but it is useful for rebuilding your credit. The fees aren't too bad, and the annual fee is more
Photo of David G.
Apr 12, 2015
I was searching for a card that had a bigger CL considering my bad score of 566. I applied and got approved in 2 days. CL of 400 - the $75 fee and $19 for an extra card still gives me some room to breathe. Higher interest rate but it is what it is. CREDIT RE-BUILDER, just have to be responsible and serious about getting the CS up where it should be. This is a great way to get started.. OK card you can even pick a card with a pretty picture for an additional fee...
Photo of Deleka J.
Apr 10, 2015
This is a great card to get if you are trying to rebuild your credit. I've had mine for a couple of years, and while the interest rate is high they do offer other perks if you make your payments on time. One of which is a credit increase almost every six months. Also they provide me with a free credit score, I can view it each time I log into my account online. So I get to see how my credit improves over time.
Photo of Virginia S.
Mar 28, 2016
They don't give credit increases 6 months dont lie to other customers thats false.I've been customer 1 year never late or missed payment havent had increase yet.So don't lie about increases.Thank you
Photo of Patricia S.
Apr 3, 2015
It is a great credit card to have to help you get your credit up. The interest is high but if you have bad credit that is why it would be higher because some people don't like to pay their bills and then either ignore them or file bankruptcy. My credit is not the best because of some things out of my control but this will help me get it going back up.
Photo of Anna M.
Mar 27, 2015
The card was easy to get considering I'm in the process of rebuilding my credit. I didn't have to give any money to get the card but there was a $75 annual fee right up front. I received my statement a couple of days after I got the card. The statement showed the $75 fee with a $25 minimum payment due. I guess you can't complain to much and it's the price you pay when your credit gets damaged. I appreciate the oppurtunity to have a small credit line in case of an emergency. At least I didn't have to send money upfront and my line of credit was higher more
Photo of Justin W.
Sep 1, 2015
Can you use this card for anything or just debt?
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Credit One Bank® Visa® with Credit Line Increase Reviews is an Editor's Pick for:

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Last updated on: Aug 10th, 2016 at 2:58 EDT

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