credit one bank Credit one bank is horrible the rip you off and screw your credit up even if your paying on time. las Vegas Nevada Nationwide

This is a "sub-prime" Credit Card for people that have had credit issues in the past.  Where based on how you wrote this report, definatly applies to you and unfortunatly it doesn't sound like you have learned your lesson yet.  As such you need a bit of an education.

First of all on all of the fees you are complaining about.  EVERY one of those fees were disclosed to you before you got the credit card.  Yes, all of those terms you had to acknowledge you agree to, do actually mean something.  If you had a problem with the fees the time to do something about it was BEFORE you got the card by not applying for the card.

In addition the "credit protection" aka insurance, is OPTIONAL.  Meaning you can cancel it at any time and no longer be charged for it.

Now, as for them receiving their payment.  Again, this card deals with people who have not proven they can handle credit.  So yes they are going to make sure your payment clears before you are given access to that money again.  After all it is their money and they get to decide when you get to use it. 

Finally, if you don't like how little is going to the balance after you make the MINIMUM payment..then pay additional money above the minimum.  The Minimum is only a guideline, you can pay as much on the card as you want.  As an added bonus the more you pay, the less balance you have and the less interest you are charged.  Saving you even more money.

Let's see they take for credit protection, annual fees and interest charge fee. There two different ways you can pay which are standard payment which takes 4-7 business days before you could use it again. Then there express payment which has a fee to use it the next day. They increase the fees without even telling you. So your minimum payment towards your card is 25 so by the end of them taking all there fees you left with 5 to ten dollars towards your bill. 

 What kind of things are taken out of the payment? You mean late fees? All they want is money??? Hey Einstein, they advanced you money to make purchases. Of course that's all they want!!! What kind of "help" do you expect them to give you? Oh yes...you want to pay whatever you want to pay whenever you want to pay it!