topic Re: Credit One Bank/STA AWAY!!!!!! in Credit Cards

Credit One Bank

marysmanning — Tue, 20 Jan 2026 21:17:55 GMT

Beware of Credit One Bank. The customer service, including most of the managers are extremely rude and completely inefficient. I had to submit documents to them to verify my identity. They asked for a utility bill, DL and paystub. I provided all of the information within 24 hours. Over the next month and a half I had to resend the same documents over 10 times (not exaggerating). One dept would get them in and another department would just sit on them and not verify anything. When they finally got around to it they said it was too old and I had to resend them. Even worse they did NOT review them carefully and stated the addresses were different which they were not. All 3 pieces addresses matched. One manager name Bruce (Bruce, yeah right) was extremely rude, hard to understand through his thick accent and non apologetic for the headach and run around they caused. They have already reported this as a new account on my credit so if I cancel it I'm afraid it'll hurt me. Just stay away if possible. Just a horrible experience.

Re: Credit One Bank

E36 — Tue, 20 Jan 2026 21:50:07 GMT

Yes, avoid at all cost.

Credit One is a sub-prime lender that will market to anyone, bad credit, no credit history, good credit, even people with excellent credit. They have a reputation for bad business practices.

There are better choices.

Re: Credit One Bank

pizzadude — Tue, 20 Jan 2026 22:30:09 GMT

Congrats on the approval ??

Re: Credit One Bank

Patient957 — Wed, 21 Jan 2026 14:11:37 GMT

@marysmanning wrote:
. One manager name Bruce (Bruce, yeah right)...

LOL.

They have already reported this as a new account on my credit so if I cancel it I'm afraid it'll hurt me.

Generally speaking, it's the opening of revolving accounts that can hurt your scores, not the closing.

You have the hard pull that can cost a handful of points. You have the scorecard reassignment that can cost 20ish points if it's your first new card in over a year. And you have the age metrics that decrease on account opening, which may or may not cost any points but always reduces your averages.

On closing you really only have to think about loss of the credit limit, which you didn't have before you opened the account, so in this case it's a wash.

It's a myth that closing accounts hurts your credit score. It's opening new accounts that really matters.

Re: Credit One Bank/STA AWAY!!!!!!

Cecelia33 — Wed, 17 Jun 2026 20:07:49 GMT

Horrible company. Take advantage of people trying to re-establish credit. It will take hours of your life navigating the crazy uninformed rules they suddenly change, There is no American call center only foreign and they are very hard to understand. Go to a credit union to to build your credit You wll regret using these people.

Re: Credit One Bank/STA AWAY!!!!!!

FicoMike0 — Wed, 17 Jun 2026 20:49:50 GMT

Credit one sux pond scum.

Re: Credit One Bank/STA AWAY!!!!!!

Jeffster1 — Wed, 17 Jun 2026 22:06:25 GMT

I've said this MANY times...

I have many, many things for which I am thankful in my earlier rebuild, but one of the biggest is managing to avoid the tentacles of Credit One.

Re: Credit One Bank/STA AWAY!!!!!!

TacMan1 — Thu, 18 Jun 2026 05:08:57 GMT

well Crap I have 3 cards from them!

shouls I just leave them open?

Re: Credit One Bank

sanders — Thu, 18 Jun 2026 22:24:12 GMT

They truly are terrible, but I will admit I used them to rebuild my credit about 7 years ago. Once I didn't need them anymore, I closed that account(no small feat once they have their tentacles wrapped around you) and moved on to bigger and better cards.

Re: Credit One Bank

Follower — Fri, 19 Jun 2026 14:34:43 GMT

Should all the seemingly satisfied C1 Omni Amex cardholders cancel and destroy their new cards out of principle...?

Re: Credit One Bank/STA AWAY!!!!!!

Gollum — Fri, 19 Jun 2026 15:15:28 GMT

@TacMan1 wrote:
well Crap I have 3 cards from them!
shouls I just leave them open?

I suggest leaving your Credit One cards open until/unless you have better credit cards. Closing the Credit One cards would prevent a later quandary wherein you might feel trapped into keeping a Credit One card because it is your oldest card. Don't close the Credit One cards until they are paid off.

Re: Credit One Bank/STA AWAY!!!!!!

FicoMike0 — Fri, 19 Jun 2026 16:15:53 GMT

This is an example of ymmv. They seem to offer some no value added fee cards. Avoid all of those, not just from C1. Some hate them because they have poor phone customer service. If you don't do phone service, you don't care. Until you really need it, I suppose.

I will admit, I have had to call a few times, you can't beat navy or fidelity on that count.

Re: Credit One Bank/STA AWAY!!!!!!

Komma — Fri, 19 Jun 2026 17:30:09 GMT

The Omni and Wander cards are pretty good if you prefer cashback cards over point transfers.

Their customer service certainly won't win any awards or anything though.

Re: Credit One Bank

gingerflower — Tue, 23 Jun 2026 18:58:40 GMT

@Follower I think it is on the individual whether to close your credit one account. So far I haven't had any issues with credit one bank in march of this year I was pre-approved for credit one Omni Amx instant approval CL of $10,000 I just received my $250 cash rewards bonus.