Customer Testimonials & Success Stories

"Thanks to Credit One, I believe the American Dream is possible..."

I was living the American dream until, one day, it came crashing down. My husband and I got a divorce and although I tried to stay afloat, debt seemed to overtake everything. The house I worked so hard to keep was foreclosed on and I was suffocating in bills. I filed for bankruptcy as a last resort, but still worried about how I would rebuild my credit. I applied for a credit card with Credit One about six months after my bankruptcy was discharged.

Over the past few years Credit One has really helped rebuild my credit. I am now remarried. We are adopting my spouse’s nephew who has been with us since he was two days-old and my oldest son has started his first year of college. None of these major life changes have been easy or cheap, but having my credit rebuilt has helped make these changes possible for my family. Thanks to Credit One, I believe the American Dream is possible and I am excited to see what the future holds.

"I know that Credit One has allowed me to improve my credit score..."

Credit One gave me one of my first credit cards when I was in college. At the time, I had no credit and I desperately needed to increase my credit score.

Credit One helped me build my credit up, allowing for success in my financial future. It has allowed me to learn how to budget my money better and understand the importance of keeping a good credit score. I have received credit line increases and more credit card offers because I make sure that I pay my bill on time. I understand the value of having good credit and I am a very satisfied customer with Credit One.

I know that Credit One has allowed me to improve my credit score and helped set myself up for success in my future financial endeavors.

"We both now have scores in the low 700s."

After multiple credit denials for even secured credit cards, Credit One Bank took a chance on us. Both my wife and I were able to get approved for an Unsecured Credit line shortly after we filed for Chapter 7 Bankruptcy. Through this credit, we have been able to re-establish our profile and improve our scores by 200 points in the past 2 years. We both now have scores in the low 700s. We were able to recently secure a lease for a new car which would not have been possible if it wasn't for Credit One taking a chance. I would recommend this company to anyone looking to re-establish credit. We hit rock bottom after our bankruptcy and didn't see any way out of the hole we had dug.

Thank you for taking a chance on us. Thank you for giving us the opportunity to demonstrate the ability to be responsible again. Credit One was going to be our last hope to get a credit card. If we hadn't been approved I know we wouldn't have a safe, reliable vehicle for our 3 beautiful children. Thank you again for taking a chance.

"Credit One Bank has been understanding and supportive..."

Over the last several years my family and I have been hit hard: We had to file bankruptcy due to the housing market crash, move out of state, I had to change my career, and our daughter beat cancer at the age of 5.

If it weren’t for Credit One Bank taking a chance on us and giving us a chance to start rebuilding our credit, then my family and I wouldn't have been able to rebuild ourselves and financially recover from all the challenges we have overcome. Credit One Bank has been understanding and supportive of our needs and always seems to know when we need a credit line increase. Thank you.

"I will remain a Credit One card holder for life."

As a divorced woman in my 50s, I had many things, fear and insecurity among them, as well as a limited knowledge of how credit worked since my husband always took care of our finances.Credit One took a chance on me, making the approval process easy and quick. Through the years they have remained true, rewarding me with credit increases.

However, the most impressive event was when they alerted me that my card might have been used fraudulently. I called immediately and customer service handled everything from proving the incident, stopping and correcting the charges, to talking me through a nervous breakdown. I was away on vacation at the time and truly did not need my funds tied up with trouble. They even express mailed a new a card for me so I was not without the card for more than two days.

I was relieved and so well taken care of, and for this reason I will remain a Credit One card holder for life. Thank you Credit One for your keen eye and expert handling of what could have been a disastrous situation. You have proven your loyalty to me, now it's my turn to do the same for you.

"With my Credit One account, I was able to focus on my future..."

I first opened an account with Credit One while I was in Culinary School. During that time I was struggling financially and attempting to save money for the never-ending mass of student loans in my future. Having an account with Credit One gave me the ability to purchase items such as cookbooks, culinary tools, uniforms, and kitchen shoes; all items I would not have been unable to purchase without the credit given to me by Credit One.

With my Credit One account, I was able to focus on my future while improving my credit score and making my dreams of becoming a Chef a reality.

"I began to see improvements in my credit score..."

With the help of Credit One, I was able to get my credit on track and, because I was given the opportunity to establish credit, I learned how to manage my finances more wisely. After having the card for just a short while, I began to see improvements in my credit score. Building my credit to the point where I could purchase a home was my goal.

Over the span of 2 1/2 years, I made my payments and continued purchasing with my Credit One card. The periodic credit limit increase offers were a true reward for managing my payments and made me truly feel like a valued customer. In just a brief time, my credit score and history improved so much that my wife and I have just closed on our first home. We then bought a new car, lowering our monthly payments because we were finally offered good interest rates.

Being a Credit One customer has helped me to see the value in taking the right steps, and seeing the fruit of my efforts by improving my family's life. Thank you Credit One!

"No one would give me a chance except Credit One."

My journey started when I decided to file bankruptcy in 2013. After doing so I was told to get a credit card to reestablish credit. No one would give me a chance except Credit One.

Once I got the card I was surprised at the amount I was given and how much freedom I felt like I had. After staying in good standing with Credit One I was able to establish my credit and provide for my family the way I should. I have a new 2015 Nissan, I was contacted by a lender about buying a house, and I am able to provide for my children with this newly established credit. A house...me?!!

I never thought this day would come but Credit One is the reason behind my success. I never saw it as possible, even then. I thought I would be caught up in credit madness, but Credit One has provided a foundation for me and my family. They have provided hope that I can live comfortably without the worries of credit hardships. Thanks for believing in me when no other company would, Credit One!

"Credit One has helped me to begin rebuilding my credit..."

I am a single mom with six year-old triplets. When they were one year-old, I had to file for bankruptcy due to being out of work while they were in the NICU. I am a special education teacher and the triplets are now in first grade. Credit One has helped me to begin rebuilding my credit and helped me purchase things my triplets needed, from diapers to food to Christmas and birthday gifts! It's also helped me to build my credit up enough to buy us a vehicle that better fits our needs! Thank you to Credit One!

"I got a chance at redemption."

I remember starting my credit journey and thinking it sounded like an easy concept as it was explained by my first bank: use what I needed, pay it back accordingly, and repeat. Then, like it does for most people, life showed just how unpredictable it could be. Everything from losing my job to not being able to afford my car payments, student loans to medical emergencies and even regular life stuff ran me ragged. I got to a point where I couldn't get any credit or loans or help. I couldn't believe how difficult banks or even local credit unions made it to build my credit back up.

I proposed to my girlfriend a year and a half ago and didn't know how we'd pay for a wedding, get our own place, and a few other things. About the same time, a friend recommended Credit One to help and I got a chance at redemption. With help from Credit One and my fiancée, I did what I needed to build my credit and now we are about to close on our first home and we hope Credit One can help us with our plan to extend our family very soon. Thanks Credit One.