NEVER SEEN THIS BEFORE

[Jackthepumpkinking6sic6]

This is most certainly a credit one problem and its a disastrous problem.

I've had the exact same experiences and found many others in forums that had the same experience as well.

Funds available for the paymemt, yet the payment returns saying insufficient funds. Followed by warnings that if it continues to happen your account may be shut down. 

It does take days for the payment to post.

After that happening to me a few times same thing. Account shut down, they didn't know why it was happening, and nothing they could do.

Then magically after making some more payments on the balance the account reopened and they increased my limit.

I've tried everything I can to make sure I don't get returned payments with them. Even using one certain accoun, having extra there, and paying ahead. But every few payments at least one returns. 

[Anonymous]

You are responding to a thread that's 15 months old.  Just so you know!

[markbeiser]

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@Anonymous wrote:

You are responding to a thread that's 15 months old.  Just so you know!

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🙃

[Jackthepumpkinking6sic6]

Wow! I had no idea!!! And now that its so ancient at 15 months it couldn't possibly help anyone else by confirming the issue for those searching.......

[pip3man]

@Legally_Speaking2512  just came here to say this is actually a standard practice by Credit One. It's called an "Account Reinstatement" I've  kinda taken advantage of the feature twice. The first time in 2021 and most recently, a few months back. The option is usually available after the account is closed and it's offered through the mobile app or the automated phone system. The first time, I declined the reinstatement cos I wanted the account closed for good but the most recent one, I accepted it and the account was back in active status instantly. 

[Anonymous]

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@Jackthepumpkinking6sic6 wrote:

Wow! I had no idea!!! And now that its so ancient at 15 months it couldn't possibly help anyone else by confirming the issue for those searching.......

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Oh, sarcasm, that's nice!   Your first few comments were directed at people who contributed to an old thread and very possibly wouldn't see your valuable replies.  In the active mod days, old threads would be locked, but obviously not now.

[Jackthepumpkinking6sic6]

And you're still here riding your high horse worried about an "old" thread. Congratulations 👏 

[IsambardPrince]

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@pip3man wrote:

@Legally_Speaking2512  just came here to say this is actually a standard practice by Credit One. It's called an "Account Reinstatement" I've  kinda taken advantage of the feature twice. The first time in 2021 and most recently, a few months back. The option is usually available after the account is closed and it's offered through the mobile app or the automated phone system. The first time, I declined the reinstatement cos I wanted the account closed for good but the most recent one, I accepted it and the account was back in active status instantly. 

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You mean when Credit One slams the door in your face a few months later they say "Come back, you're missing the monthly annual fees"?