Credit one bank Scam artist horrible company to deal with Las vegas, Nevada

I still have their pre-approval letter and the same is stated on their website. Under FEES it states and I quote: "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 credit line of $300, your initial available credit will be $225." The $75 is an initial fee they charge everyone regardless if you "use" the credit card or not. I dunno why you couldn't sign in, did you try registering first? Most people don't have an issue with that. Same with paying on the phone, it should be easy. What's hard is being charged an extra fee with that method of payment. You would not be in the trouble you're in if you only read the terms. You clearly stated the reason you signed up for this card was because you needed extra money. Not reading the credit card terms is financially irresponsible. I hope you learned your lesson and best of luck in the future!