I also have an account with Credit One. I just looked up my statement from last month and it shows the $69 fee for activation fee and $5.75 a month fee for processing. I don't have any problem with that. $5.75 isn't a huge amount for that. Other credit cards chard at least that.
If you pay your balance every month you won't get any finance fees in the first place. That's how you rebuild your credit. I've also had a bankruptcy and that's what I intend to do. Once I have the thngs I want to buy I'll start using it primarily for gas.
As far as I know it's free to pay online. I paid with my debit card and didn't get charged for that. Did you pay with an e-check? That's probably where the charge came from because that's usually done a differernt way, usually a 3rd party, such as Western Union. That' how they want me to pay my car payment, so I use my bill pay on my debit card.