I have had the WORST experience with these people! I opened an account with them last year in hopes of bettering my credit (even though I was SO against the 75$ fee!) and it has been nothing but HORROR stories since then! I have literally used my card 3-4 times in the year I have had it and have experienced everything under the sun.....
first of all I was charged the 75$ basically up front, which was odd. Then, I was having problems avoiding the 9.95$ payment fee because I was never getting my statements on time so was literally paying at the last minute. THEN the statements stopped coming altogether. I used my card last month and literally, 2 days later, started getting a million calls from their payment center (btw, in INDIA?!) saying I had to pay and my account was overdue. EXCUSE ME?! I was being bothered at work and they refused to let me take care of my payment, again, right after I used the card! AND they were charging me a late fee! I told them I never got a statement, they said it was sent out blah blah blah, and so I just made my payment.....then I received my statement in the mail THE NEXT DAY! So much for sending it out on time!
I tried to let bygones be bygones until this month when I used my card and, what do you know, I AGAIN started getting calls about being past due! And a week after I used my card! This time I NEVER got a statement whatsoever! So I got fed up with having money literally TAKEN from me for no reason with all of these unneccessary charges, let the poor Indian fellow on the other end of the line have it, and paid off my card in full (as I always do) and canceled my card. They are THEIVES!!!!! I can't believe I even dealt with this as long as I did, beware, they are only after making a buck from you!! Last time I felt as if I was negotiating with them to take my phone payment charge off ("we can charge you 5.45 from 9.95...we can charge you 3.50 from 9.95....WHAT?! SERIOUSLY?!?)
PLEASE take my advice and STAY AWAY from Credit One!!!!