Credit One Bank CHARGES UNNCESSARY AND ILLEGAL FEES EACH MONTH Las Vegas, Nevada

"CHARGES UNNCESSARY AND ILLEGAL FEES EACH MONTH"

The 'unnecessary' fees is a price you agreed to pay due to your poor credit history. Please elaborate on exactly which fees are illegal.

"they are charging MONTHLY an ANNUAL FEE, which is only supposed to be charged once a year"

Their web site states that they charge an annual fee billed on a monthly basis, not once a year.

This is a sub prime credit card that preys on the least educated consumer (no offence intended) so yes they charge a lot of fees.  All of these fees are legal and clearly spelled out in your cardholder agreement.  I know I just read it.  You did read the cardholder agreement before you applied right?  Like Kyle in the South Park episode Humancentipad to protect yourself you have to learn to READ!  You to have read ALL of the  cardholder agreement every time you apply a credit card. That is what I mean by an educated consumer.

Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE 
(APR) for Purchases and Cash Advances 23.90%

This APR will vary with the market based on the Prime Rate.
Paying Interest We will begin charging interest on purchases and cash advances on the posting date.
Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00 for any billing cycle in which 
an Interest Charge is due. Credit lines less than $400 will not receive a charge in the First year 
(Introductory period). For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore.

Fees
Set-up and Maintenance
Fees  Notice: The Annual Membership Fee will be billed to your account when it is opened and will reduce the amount of your initial available credit. If your account is established with a $300 credit line, your initial available credit will be $225.

You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

Annual Membership Fee $75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.
Authorized User
 Participation Fee  $19 annually (if applicable).
Transaction Fees
Cash Advance $0 First year (Introductory period). Thereafter, either $5 or 8% of the amount of each advance, 
whichever is greater.
Penalty Fees
Late Payment Up to $35
Returned Payment Up to $35