Sorry to dig up an old thread, but I just went to close my CreditOne account and it was like pulling teeth.
I feel sorry for the poor customer service rep — he was nice enough — and they probably have very strict “save” metrics they have to hit — but he kept saying “just to confirm, we have reviewed your account and will remove all fees for the rest of this year and the next year” — I told him no, cancel the account. Went back through the same spiel, and I said “Unless you can remove all fees permanently, including any kind of fee when I’m given a credit increase, forever, not just the next 18 months, close the account”. Repeated the spiel again — I asked him if he understood me, and he said yes, but “Why would you want to close the account, you can just call back in and 18 months and do the same offer!”. I told him that I no longer needed them and close it immediately. He started the spiel again and I repeated “just close the account” about 4 times... in the middle he cut me off and spewed through some legal stuff and said “the account I closed effective immediately” and hung up....
Only worry is that the app still shows it active with available credit. I don’t want to try testing it since it’s at zero balance.
**bleep** that was frustrating... it was worse than when I closed Continental Finance... at least they realized they are bottom of the barrel and cancelled it pretty easily. This guy seemed to act like his product was amazing.
Unfornately I got in with AmEx and then my credit union turned around the next week and offered me a 5k Visa Signature. I can safely say I don’t need Credit One anymore lol
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