Credit One Bank Excessive Direct Check Free Las Vegas Nevada

I, too, have a Credit One Bank Card, and yes they are for people trying to rebuild credit. I have additional information that some of you may not be aware of, which I discovered while perusing my account one day: When you mail a check payment, Credit One requires 7 days for the check to clear AFTER they receive it. It will not make your credit limit available. In other words, you pay $200 by mail via check, your limit is $200, they do not make it available until your check 'clears'. I find this amusing, since most checks clear electronically. THis is after it has posted to your account.

So, you are not delinquent, but your credit is not available, either. They just hi-jack your account. Also, when attempting to call them on their 800# - if you are not calling from the phone number listed on the account - THEY HAVE A PRE-RECORDED MESSAGE TELLING YOU THAT THEIR SYSTEM IS UNAVAILABLE!!! If you are calling from work, your call will not get thru. You MUST call from the phone number listed on your account.
All in all, for myself trying to rebuild credit, it hasn't been all that bad. They report accurately every month, they email if I go over my miniscule $200 limit prior to hitting me with a surcharge and I can mail them a check and have it there within three days.

Letter i sent to Credit One Bank

As a former Postmaster, I KNOW that this works. Continue to pay by "snail mail", but fill out a form at the Post Office (cost= about one First-Class rate) which is LEGAL PROOF that you sent it to them on a certain date. When they claim not to have received it, take them to Small Claims Court. Your Certificate of Mailing is LEGAL PROOF that it was sent on time, and the courts assume that whatever you mail by such-and-so date will have been delivered within a reasonable time. This is the SAME FORM that car insurance companies use to prove that your car insurance was cancelled for non-payment of premium.