You Are Leaving the Credit One Bank Website
If you click the 'Continue' button, you will be directed to a third party website unaffiliated with Credit One Bank, which may offer a different privacy policy and level of security. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites.

Click the 'Return to CreditOneBank.com' button to return to the previous page or click 'Continue' to proceed to the third party website.
Return to CreditOneBank.com
Continue
Customer Service

  • Customer Service
    & Online Help
  • Contact Information
  • FAQs

What’s on Your Credit Report?
Review your credit report and score for accuracy.


See Yours Now!
Frequently Asked Questions
Here you will find answers to frequently asked questions (FAQs) regarding who we are, how we operate, our products, our services, and how we can help you.


General Questions

Credit Card Application Questions

Credit Card Activation Questions

Online Account Access Registration Questions

Online Account Access Questions

Username and Password Questions

My Recent Activity Questions

My Statement Questions

Dispute Questions

Pay My Bill Questions

Update My Info Questions

Credit Protection Questions

Technical Questions


General Questions
Who is Credit One Bank?
Credit One Bank is one of America's leading issuers of VISA® credit cards. Issuing both VISA® and MasterCard® credit card products, we provide cards to individuals who have been historically overlooked by other banks because of their less than perfect credit. With millions of people carrying a Credit One Bank credit card, we pride ourselves on providing excellent customer service and an array of products with innovative features.

Back to Top
How do I contact you?
Click on the 'Contact Us' link at the bottom of most pages throughout the website for a listing of our Telephone Numbers and Mailing Addresses.

Back to Top
Can I send you an email with a question about my account?
No. For your security and in order to protect your account information, we advise against sending us unsecure emails.

Back to Top
How do I view Credit One Bank's Credit Card Agreements or the specific Cardholder Agreement for my account?
To download all of our Credit Card Agreements, look for the 'View Credit Card and Cardholder Agreements' section in our Online Help Center. You can reach this section of the website by clicking on the 'Online Help' link at the bottom of most pages. To request a copy of your specific Cardholder Agreement if you are a customer of Credit One Bank, Sign In to your account and click on the 'Request Your Cardholder Agreement' link at the bottom of most pages.

Back to Top
What is the current U.S. Prime Rate?
If the Annual Percentage Rate for your credit card account is variable and based on the U.S. Prime Rate, we use the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If The Wall Street Journal is not published on that day, then the U.S. Prime Rate on the next business day will be used. If the U.S Prime Rate changes, the new rate will take effect on the first day of the following month. Currently, as of 07/25/2014, the U.S. Prime Rate is 3.25%.

Back to Top
What career opportunities are available at Credit One Bank?
Click on the 'Careers' link at the bottom of our homepage for a listing of current job openings available at Credit One Bank along with information regarding our Corporate Culture & Compensation Programs.

Back to Top
Credit Card Application Questions
How do I apply for a Credit One Bank credit card?
You may accept a pre-approved offer that you received in the mail or find out if you are pre-qualified by clicking on the various links conveniently provided on our homepage at www.CreditOneBank.com.

Back to Top
How do I check on the status of my application?
Click on the 'Check the Status' icon on our homepage to check the status of your mail, telephone or online credit card application.

Back to Top
May I refer a friend or family member to Credit One Bank?
Certainly. Invite your friends and family to apply for their very own credit card. Just send them to www.CreditOneFriends.com.

Back to Top
Credit Card Activation Questions
Can I activate my new credit card online?
No. New cards can only be activated over the phone. To ensure your security, please call the toll-free activation number printed on the sticker affixed to your new card within 14 days after you receive your card in the mail.

Back to Top
What will happen if I don't activate my new credit card?
You'll be unable to use your new credit card for purchases or other transactions until you activate it by calling our toll-free activation number. Additionally, your account may be automatically closed if your card is not activated within 14 days after receipt.

Back to Top
Online Account Access Registration Questions
How do I register my account online?
Locate the 'Click here to register' button on the homepage. Click the button to begin the easy registration process.

Back to Top
Can I access all of my accounts online if I have more than one account with Credit One Bank?
Yes. All of your credit card accounts are automatically combined online under a single username by our system. Once you register one of your accounts, you will be able to toggle between all of your accounts when you Sign In to Online Account Access.

Back to Top
If I've added an Authorized User to my account, can they register for Online Account Access?
No. All account information is provided within Online Account Access for the primary cardholder only.

Back to Top
Online Account Access Questions
What is Online Account Access?
Online Account Access allows cardholders to manage their Credit One Bank credit card account online 24 hours a day, 7 days a week. Key features include: monthly credit score tracking; b) email and text notifications; c) pending transactions; d) posted transactions; e) up to 24 months worth of statement information; f) personal identification number (PIN) requests; and, g) the ability to pick your payment due date.

Back to Top
What is Monthly Credit Score Tracking?
Monthly Credit Score Tracking is a service included with Online Account Access which allows you the opportunity to track your credit score with up to 12 months worth of data, including a monthly summary of your credit report and important information about the factors that impact your score.

Back to Top
What are Pending Transactions?
The Pending Transactions section allows you to view real-time pending transactions that have been authorized by a merchant, but which have not yet posted to your account.

Back to Top
What are Email and Text Notifications?
Email and Text Notifications are account-specific notifications which you elect to receive and are sent directly to your email address or mobile phone. You can choose to receive notifications if your statement information is available, your payment has posted, your minimum payment is due, your account is past due, your account is over the credit limit, your account balance has reached a certain amount, or your credit score has been updated.

Back to Top
How do I view up to 24 months worth of statement information?
Online Account Access members are eligible to receive up to twenty-four (24) months worth of statement information. If you are a new customer we will add new statement information each month until the display limit is reached.

Back to Top
How do I request a Personal Identification Number (PIN) online?
Online Account Access members may request a PIN for cash advances at ATMs worldwide by locating the 'Request a PIN (Personal Identification Number)' link on the 'Update My Info' page.

Back to Top
How do I pick my payment due date?
You may change the payment due date to a day that is convenient for you by locating the 'Pick Your Payment Due Date' link on the 'Update My Info' page.

Back to Top
Username and Password Questions
Can I check the availability of a particular username?
Yes. On the account registration page you may enter your desired username into the 'Choose New Username' field. Then, just click on 'Check Availability?' to find out if the username is available.

Back to Top
What if I forgot my username and/or password, or would just like to change them?
You may easily reset your username and/or password by following the instructions after you click on the 'Forgot your Username or Password?' link on the homepage. If you are already signed in, you may click on the 'Update My Info' tab near the top of most pages. Then, just locate the 'Sign In Credentials' section to proceed.

Back to Top
My Recent Activity Questions
What is the 'My Recent Activity' page?
You can think of the 'My Recent Activity' page as your account dashboard. If you have more than one account with Credit One Bank you can toggle between them by selecting from the dropdown menu near the top left portion of the page. This page includes your Account Snapshot, which summarizes your current account information. To pay your bill, just select from the 'Pay My Bill' tab near the top of the page or the 'Make Payment Online' button within the Account Snapshot. All of your posted transactions since your last statement are conveniently displayed in the center of the page. You may view past statement information by selecting from the dropdown menu on the right side of the page. Furthermore, Online Account Access members have access to features such as their monthly credit score, real-time pending transactions, email and text notifications, and much more.

Back to Top
What is the Account Snapshot?
The Account Snapshot is a concise summary of your current account information and is available for your convenience on most Online Account Access pages.

Back to Top
What is my available credit?
Your Total Available Credit is shown on most Online Account Access pages within the Account Snapshot.

Back to Top
When is my payment due date?
Your Payment Due Date is shown on most Online Account Access pages within the Account Snapshot.

Back to Top
How often is the 'My Recent Activity' page updated?
Updated account information generally appears online as soon as we have received transaction information from the merchant. Otherwise, the page is updated nightly as we post transactions to your account.

Back to Top
My Statement Questions
How do I view My Statement information?
Your current statement information is shown when you select the 'My Statement Info' tab near the top of most pages within Online Account Access. Additional statement information may be available by selecting a particular date from the pull-down 'Select a Statement' menu available on most Online Account Access pages.

Back to Top
How many months worth of previous statement information can I view?
You may view information from up to twenty-four (24) months of your most recent statements. If you are a new customer we will add new statement information each month until the display limit is reached.

Back to Top
When will new information from my statement be available online?
Your statement information will become available four (4) days after your cycle date, unless you did not receive a statement for the last month because you had a zero ($0.00) balance on your account.

Back to Top
What is my Annual Percentage Rate (APR) and where can I find this information online?
Click on the 'My Statement Info' tab located at the top of most Online Account Access pages. The APR for both purchases and cash advances is listed near the bottom of the page in the 'Rate Summary' section.

Back to Top
Will I continue to receive a printed statement after I register for Online Account Access?
Yes. You will continue to receive your printed credit card statement as usual, sent via USPS First-Class mail.

Back to Top
Dispute Questions
How do I dispute a merchant charge?
If you need to dispute a charge on your statement, we must receive your dispute in writing. It is very important that you provide all information in regard to your dispute: a) your account number; b) the name of the merchant; c) a detailed explanation of your dispute; d) the date that the charge was made; and, e) the amount of the charge. You must also sign your letter. Mail your written dispute to: Credit One Bank, Attn: Disputes, P.O. Box 98876, Las Vegas, NV 89193-8876.

Back to Top
How long do I have to dispute a charge once it has posted to my account?
In order to preserve your rights under the Fair Credit Billing Act, you must notify us in writing of any disputed charge(s) within 60 days of the initial statement in which the charge occurred.

Back to Top
When will I receive a response regarding my dispute?
We will respond to your written dispute within 30 days after receipt.

Back to Top
How do I cancel a dispute?
Contact us at 1-877-825-3242 and advise a representative that you wish to cancel your dispute. Please mention the reason you would like to cancel your dispute and ask the representative to notify the Dispute Department.

Back to Top
How long will it take to resolve my dispute?
The dispute process may take 60-90 days to resolve, but will not exceed two (2) complete billing cycles.

Back to Top
Pay My Bill Questions
What are the differences between an Express Payment and a Standard Payment?
When you choose the Express Payment option your funds will be available sooner (usually the next business day) and you may make a payment with either your Debit card, ATM card, or your Bank Account. When you make a Standard Payment, your funds will become available in about four (4) business days and you may pay only with your Bank Account.

Back to Top
How do I know if a payment has posted to my account?
Posted payments appear in the 'Posted Transactions Since Last Statement' section of the 'My Recent Activity' page and the 'Activity Since Last Statement' section of the 'My Statement' page.

Back to Top
When will my payment post?
Payments made by 2:00pm (Pacific Time) Sunday through Friday will post that same day, displaying online the following business day.

Payments made after 2:00pm (Pacific Time) and before 5:00pm (Pacific Time) will post on the next business night and be back-dated to the actual date received, displaying online the following business day.

Payments received after 5:00pm (Pacific Time) Saturday through Thursday will post and display online the following business day.

Payments received after 5:00pm (Pacific Time) Friday and before 2:00pm (Pacific Time) Saturday will post on Sunday and be back-dated to Saturday and display online the following business day.

Back to Top
What if my payment posts after my payment due date?
You will be assessed a Late Fee unless your payment posts on or before your payment due date.

Back to Top
Is there a limit to how much I can pay using Pay My Bill?
Yes. The maximum amount you can pay is your Current Balance.

Back to Top
Is there a minimum allowable payment when using Pay My Bill?
Yes. The minimum allowable payment is $1.00. However, to avoid a Late Fee we suggest that you pay at least your Minimum Payment Due.

Back to Top
Is there a fee for making a payment online?
There is no fee charged if you choose to make a Standard Payment. A fee of $9.95 will be charged if you choose the Express Payment option.

Back to Top
May I still mail my payment even if I'm registered for Online Account Access?
Yes. You can mail your payment along with the payment coupon you received with your printed monthly statement. However, please note that payments received by mail are not processed on the following holidays: New Year's Day; Memorial Day; Independence Day; Labor Day; Thanksgiving Day; or, Christmas Day. Please allow sufficient time for your payment to arrive. We also recommend that you do not send cash through the mail.

Back to Top
May I make a payment using either MoneyGram or Western Union?
Yes. You may send us a payment by using MoneyGram's ExpressPayment service. In addition to providing your 16-digit Credit One Bank credit card account number, you will need to provide MoneyGram with our 4-digit Receive Code, 1430. You may also send us a payment by using Western Union. You will need to provide Western Union with your 16-digit account number and with our "code city" which is CREDITONEBANK and our "code state" which is NV. Both MoneyGram and Western Union charge fees for their services.

Back to Top
Update My Info Questions
How do I change my mailing address, telephone number or email address?
Sign In to your account and click on the 'Update My Info' tab. For your security, you must then answer a User Authentication question to proceed. Upon answering correctly, you will be able to continue and edit your information. You may only make an update to your contact information once within a 24-hour period.

Back to Top
When will my mailing address, telephone number or email address change take effect?
Once you submit your change, please allow two (2) business days for us to process your request.

Back to Top
Will changing my email address in the 'Update My Info' section update my email address(es) for Email Notifications?
Yes. When you change your Primary and/or Secondary email address(es) in the 'Update My Info' section, your Primary and/or Secondary email address(es) for Email Notifications will automatically be updated as well.

Back to Top
How do I change my name on my account?
A name change request can only be handled over the phone. Please call us at 1-877-825-3242. If you are outside the U.S., call 1-702-405-2042.

Back to Top
May I change my payment due date?
You can change your payment due date to a day that is convenient for you. Just locate the 'Pick Your Payment Due Date' link on the 'Update My Info' page.

Back to Top
How can I request a replacement card?
If your card is lost or stolen, please contact us immediately. If your card is damaged, you may request a replacement card by locating the 'Order a Replacement Card' link on the 'Update My Info' page. You can also design and order a new card by following the 'Design My Card' link from our homepage.

Back to Top
Can I request a PIN (Personal Identification Number) online?
Yes. You may request a PIN for cash advances at ATMs worldwide.

Back to Top
Can I add an Authorized User to my account?
As the primary cardholder, if your account is eligible to receive a second card for an Authorized User, you will see an 'Add an Authorized User' link on the 'Update My Info' page.

Back to Top
How do you determine whether or not my account qualifies for a Credit Line Increase?
We evaluate both your credit and payment history with Credit One Bank and your other creditors to determine eligibility for credit line increases.

Back to Top
Credit Protection Questions
What is Credit Protection?
Credit Protection is an optional debt cancellation program offered with Credit One Bank credit card accounts.

Back to Top
What benefits does Credit Protection offer?
In the event of involuntary unemployment or disability, the Credit Protection Program covers up to six (6) benefit payments for the primary cardholder and cancels the full balance in the event of death (up to $10,000).

Back to Top
How do I request Program benefits?
To request benefits call 1-866-803-1745, or click here to request benefits online.

Back to Top
What are the requirements when requesting activation of Program benefits?
You must: a) qualify for the benefit based on the criteria in the Credit Protection Program Agreement; and, b) complete and supply us with any verification information/forms we may request from you.

Back to Top
How will the monthly Program charge be billed?
The monthly Program charge is billed to your account and will be shown on your monthly statement. The charge itself is based on your account balance each month and is calculated by multiplying the unit cost of the Credit Protection Program ($0.96 per $100, or part thereof) by the New Balance printed on your statement.

Back to Top
How soon after I enroll can I request benefits under this Program?
For involuntary unemployment and disability, you may request benefits after an initial thirty (30) day waiting period from the effective date of your enrollment in the Program. There is no waiting period in the event of death.

Back to Top
After I enroll in the Program, can I terminate my participation?
Yes. You may terminate your enrollment at any time. Additionally, if you are not completely satisfied with all the benefits, limitations and exclusions, and you cancel within thirty (30) calendar days of your enrollment date, we will credit your account for any Credit Protection charges you have paid.

Back to Top
Technical Questions
Which browsers do you support?
For optimal performance and functionality we recommend using a modern browser such as the latest version of Internet Explorer, Firefox, Safari, or Chrome.

Back to Top
What steps do you take to ensure your website is secure?
We are committed to data security and use 128-bit SSL encryption technology, the industry standard for data protection, to ensure that all communications on our secure website are encoded and protected. Additionally, we follow the guidance of our Federal banking regulators and employ strong authentication controls and recognized security standards.

Back to Top
Are there any times when your website will be unavailable?
Although we strive for continuous up-time, certain functions may be unavailable from time-to-time due to scheduled system maintenance as we upgrade portions of our website.

Back to Top
What do I do if I receive a suspicious email or text message claiming to be from Credit One Bank?
While we do send genuine communications via email and text messaging, many schemes exist which attempt to trick consumers into divulging sensitive information such as an account number, username, password, or Social Security number. If you receive a suspicious email or text message that you believe to be fraudulent, please forward it to us at security@creditone.com.

Back to Top
© 2014 Credit One Bank, N.A. All rights reserved. Credit One®, Credit One Bank® and the Credit One Bank® logo are federally registered trademarks.