Contact Information & Credit Card FAQs

Credit One Bank is a technology and data-driven financial services company offering a full range of consumer credit card products. As one of the largest credit card banks in the United States, Credit One Bank issues Visa^®, Mastercard^® and American Express^® cards to millions of card members nationwide. We pride ourselves on excellent customer service and on providing an array of credit card products loaded with innovative features. Learn even more about Credit One Bank by visiting our About Us page.

Visit our Customer Service page for a complete listing of our contact information, including our telephone numbers and mailing addresses.

Prior to signing in, click here to download our Card Agreements. If you're a current card member and would like to request a copy of your specific Card Agreement by mail, sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate the 'Card Agreement' section to get started.

Yes. For instance, a minor name change request can be handled over the phone. Please call Customer Service at 1-877-825-3242. If you are outside the U.S., call 1-702-405-2042. However, all other legal name change requests must be submitted in writing. Please write to us at: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.

No. For your security and in order to protect your account information, we advise against sending us unsecure emails.

Visit Careers for a current listing of open positions at Credit One Bank, along with information regarding our Corporate Culture and Employee Benefits.

You can mail payments to: Credit One Bank, Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

Mailing addresses for Credit One Bank accounts must be located in the United States, Puerto Rico, the U.S. Virgin Islands, or Guam. Military (APO/FPO) addresses are also allowed. If an address change request includes an address outside of the allowed areas, the account may be closed.

To help prevent fraud on your account, transactions originating in areas we have identified as high-risk may be blocked. If you need assistance while traveling outside of the U.S., please call 1-702-405-2042.

For an optimal and secure experience, please ensure that you are using a current version of Google Chrome, Apple Safari, Mozilla Firefox, or Microsoft Edge. If you are not using a current version of one of these browsers to access CreditOneBank.com, please upgrade by following the links provided on our Supported Operating Systems and Browsers page.

We are committed to data security and use 128-bit SSL (Secure Sockets Layer) encryption technology, the industry standard for data protection, to ensure that all communications between our secure servers and your browser are encoded and protected. Additionally, we follow the guidance of our Federal banking regulators and employ strong authentication controls and recognized security technology standards.

Although we strive for continuous up-time, certain functionality may be unavailable from time-to-time due to regularly scheduled system maintenance as we upgrade portions of our website.

Ad blockers and outdated browsers can adversely affect the performance of our website. To maintain full functionality while browsing CreditOneBank.com, please ensure JavaScript is enabled and that you are using a current version of Google Chrome, Apple Safari, Mozilla Firefox, or Microsoft Edge. If you are not using a current version of one of these browsers to access our website, please upgrade by following the links provided on our Supported Operating Systems and Browsers page.

Parts of our website may be inaccessible if you have an ad blocker installed. We suggest you turn off any ad blockers to ensure you have full functionality while browsing our site. For assistance with turning off ad blockers, click here. If you need additional help with the website, please call 1-800-797-4299.

You may accept a pre-approved credit card offer that you received in the mail by visiting our Accept Mail Offer page or find out if you are pre-qualified by visiting our See If You Pre-Qualify page. These links are also on our homepage at CreditOneBank.com.

Visit Application Status to check on the status of your credit card application.

Absolutely. You may invite your friends and family members to apply for their very own Credit One Bank credit card. Just direct them to our Refer a Friend page.

Yes! Activating your card is quick and easy. Sign into your account using the Credit One Bank Mobile App or at CreditOneBank.com. In the mobile app, look for the card activation prompt on your account dashboard. On the web, go to your account overview and look for the card activation prompt. You can also visit CreditOneBank.com/activate or call the toll-free activation number on the sticker attached to your card. Note: You should activate your card within 14 days after you receive it in the mail.

You'll be unable to use your new credit card for purchases or other transactions until you activate it. Additionally, your account may be automatically closed if you don't activate your card within 14 days after you receive it in the mail.

If you've recently been approved for a card, check your email for an account setup link. If you can't find the email, select Set Up Online Account Access on the sign-in page to get a new one. Select the ‘Set Up My Account’ button in the email to get started."

Yes. Our systems will notify you if a username is available after you enter your choice into the 'Choose Your Username' field within the set up process for Online Account Access.

If you forgot your username:

Visit Forgot Username? You can also select the Forgot Username? link under the sign-in form.

If you forgot your password:

Visit Forgot Password? You can also select the Forgot Password? link under the sign-in form.

Yes. Using a single username you're conveniently able to toggle between your accounts and manage them individually after you sign in online. When you initially sign in, your primary account information will be loaded within the 'Overview' page. Any additional account choices will be shown either in the site menu or the drop-down menu located at the top of most pages. Each individual account is easily identified by card type (i.e. Visa, Mastercard, or Amex) and the last 4 digits of the account number.

No. Only the primary card member can set up Online Account Access.

Online Account Access is a service which allows card members to manage their Credit One Bank credit card account online 24 hours a day, 7 days a week. Key features include: Posted Activity; Pending Activity; Pay Bill; Offers; Credit Score; Documents & Statements; Customer Service; and, Settings.

The 'Overview' page is your account dashboard. This page includes an up-to-date summary of your account information. To pay your bill just select the 'Pay Bill' button near the top of most pages or in the site menu. The Posted Activity and Pending Activity sections are the main components of this page. A summary of your Credit Score and Credit Score History is also displayed if you've elected to access your free Credit Score online.

Updated account information generally appears online as soon as we've received transaction information from a merchant or a payment is pending to your account. Otherwise, posted activity is updated nightly as we post transactions and payments to your account. Additional information such as advertisements, promotions, and the 'Notes' section are often updated in real-time.

APRs for purchases and cash advances from prior statement periods are listed under 'Rate Summary' in the 'Posted Activity' section.

The Pending Activity section allows you to view real-time pending transactions that have been authorized by a merchant, but have not yet posted to your account. You may also view pending payments which are in process and have not yet posted to your account.

The Posted Activity section shows all transactions that have been posted to your account including any payments and credits. You may select from transactions which have posted to your account since your last statement date, or you may select from prior statement dates.

At the top of most pages you'll see a 'Notes' icon. Most account-specific notices, confirmations, and/or verifications are shown within this section. When you have any unread notes you'll see an orange numerical indicator displaying atop the 'Notes' icon.

Account Notifications are automated account-specific email and/or text notifications which you can elect to receive that are sent directly to your email address or mobile phone. You may choose to receive notifications when posted activity from your prior billing period becomes available, your payment has posted, your balance has reached a certain amount, your minimum payment is due, your account is past due, your balance is over the credit limit, or your credit score has been updated. You may also choose to receive daily or weekly posted activity notifications, which include your balance and available credit.

Access to your Credit Score, plus your Credit Score History and Credit Report Summary, is provided free online. Sign in to your account online and select 'Credit Score' in the site menu or at the top of most pages. Then, just agree to the Terms of Use / Credit Score Authorization to get started.

The 'Settings' page is where you're able to manage most of your account settings online. Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Alternatively, you may select the sprocket icon located at the top of most pages. If we've determined that any of your account settings require immediate attention, you'll see an orange numerical indicator displaying atop the sprocket icon. More information about the 'Settings' page is provided in the separate 'Settings' section of these FAQs.

To see which offers are available exclusively for your account, just sign in to your account online and select 'Offers' in the site menu or at the top of most pages.

For security purposes, our website and your account may not be accessible from certain countries. If you need assistance while traveling outside of the U.S., please call 1-702-405-2042.

To unsubscribe from all Account Notifications, text STOP to 20757 and you will receive an optout confirmation. If you prefer to choose specific notifications, sign in to your account on the mobile app or on creditonebank.com, click on settings, and toggle on which messages you would like to receive.

To unsubscribe from Past Due Notices, text STOP to 87544 and you will receive an optout confirmation.

To unsubscribe from Real Time Alerts text STOP to 57526 and you will receive an optout confirmation. For more information regarding alert preferences, please click here.

When you choose the Express Payment option and pay with a debit/ATM card, your available credit will increase the next day for payments made by 2:00 p.m. (Pacific Time) Sunday - Friday. Your available credit will increase within 2 days for payments made by 2:00 p.m. Saturday. If an Express Payment is made from a Bank Account, your available credit will reflect the first $100 of your payment the next day for payments made by 2:00 p.m. (Pacific Time) Sunday - Friday. The balance of your payment will increase your available credit within 7 days. For payments made by 2:00 p.m. (Pacific Time) on Saturday, your available credit will reflect the first $100 of your payment within 2 days and the remaining balance of your payment will increase your available credit within 7 days. If Saturday is the last day of the month, payments made on the preceding Friday by 2:00 p.m. (Pacific Time) will increase available credit on Sunday and for payments made on the following Sunday before 2:00 p.m. (Pacific Time) available credit will increase on Tuesday.

The Standard Payment option is available only with a Bank Account and your Available Credit will increase within 7 days.

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.

You will be assessed a Late Fee unless your payment posts on or before your payment due date.

Yes. The maximum amount you can pay is your Balance.

Yes. The minimum allowable payment is $1.00. However, to avoid a Late Fee we suggest that you pay at least your Minimum Payment.

There is no fee charged if you choose the Standard Payment option. A fee of $4.95 will be charged if you choose the Express Payment option.

Yes. You can mail in a payment along with the payment coupon attached to your monthly statement. Please note that payments received by mail will have an effective payment date of the date they are received, but will not be 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 recommend that you do not send cash through the mail.

You can mail payments to: Credit One Bank, Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

Yes. You may send us a payment by using MoneyGram's ExpressPayment service. In addition to providing your 15 or 16-digit Credit One Bank credit card account number, you will need to provide MoneyGram with our 4-digit Receive Code, which is 1430. You may also send us a payment by using Western Union. You will need to provide Western Union with your 15 or 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.

Bank account verification is a process that we utilize to protect your Credit One Bank account against fraud. We need to verify bank accounts when more than a certain number of payments are made to an account in a month to ensure that no fraudulent activity has taken place.

With your authorization, we’ll make two deposits into your bank account, each for an amount between $0.01 and $0.99 and a single withdrawal that equals the combined total of the two deposits. You will need to sign in to Online Account Access and enter each deposit amount to verify your bank account before submitting any other electronic payments.

Yes. You can schedule a payment up to 30 days in the future using your checking or savings account with the Standard Payment option online.

To schedule a payment up to 30 days in the future using a debit/ATM card you must call Customer Service at 877-825-3242.

Note that you can only have one pending future-dated payment at any given time.

If you scheduled a standard payment with your checking or savings account, you can cancel it from the 'Pay Bill' page.

If you scheduled a debit card payment with an agent, you must call Customer Service at 877-825-3242 to cancel that payment.

Note any payment cancellation must be submitted by 11:59 p.m. (Pacific Time) on the day before the scheduled payment date.

AutoPay lets you set up monthly automatic payments for your account. Choose from Minimum Payment Due, Statement Balance, or a fixed other amount.

To enroll in AutoPay, sign in to your account online and click on 'Pay Bill' in the top menu bar. Then, next to 'AutoPay' click 'Set Up.’ If you have more than one account, select an account from the 'Pay To' selector. Then, select your payment account from the 'Pay From' selector. Choose whether you would like to pay your Minimum Payment Due, Last Statement Balance, or Other Amount, then click 'Continue.' Confirm the details you selected are correct and click 'Confirm' to finish setting up AutoPay. You will receive a confirmation notice with the start date of your first automatic payment.

Note: If you set up AutoPay within 4 days of your Payment Due Date, your first automatic payment won’t be made until the next month. You will need to pay at least your Minimum Payment Due for the current month using a one-time payment to avoid a late fee.

If you select Last Statement Balance for your AutoPay payment amount, we will withdraw that amount on your Payment Due Date from the bank account you selected. If your current account balance on the day we initiate processing the payment is less than your last statement balance, we will withdraw an amount equal to your current account balance.

If you select Minimum Payment for your AutoPay payment amount, we will withdraw that amount on your Payment Due Date from the bank account you selected. If a portion of your Minimum Payment Due has been satisfied before the date we initiate processing the payment, we will withdraw the remaining amount to satisfy the Minimum Payment Due. If the Minimum Payment Due includes the amount of any Late Fee charged in the previous billing cycle, we will subtract that amount from the Minimum Payment Due. If your Minimum Payment has been satisfied in full before the date we initiate processing the payment, we will not withdraw any amount.

If you select Other Amount for your AutoPay payment amount, we will pay the amount you select from your bank account. If the amount you selected is less than the Minimum Payment Due in any billing cycle, we will increase the debited amount to the Minimum Payment Due for that billing period. If the Other Amount you have selected is greater than your account balance on the Payment Initiation Date, then we will reduce the amount of your payment to equal the account balance.

To cancel your enrollment in AutoPay, sign in to your account online and click on 'Pay Bill' in the top menu bar. Click the down arrow next to 'AutoPay: On' and then click 'Cancel AutoPay'. You will see a confirmation screen if the cancelation was successful. Please note that any Pending payments cannot be canceled.

To change your AutoPay payment amount or bank account settings, sign in to your account and select ‘Pay Bill’ from the top menu. Then, select the AutoPay ‘On’ indicator to display your current settings. Select ‘Change’ next to the setting you’d like to change, or choose the ‘Change AutoPay Settings’ button. Follow the prompts to finish changing your settings.

While you cannot change the payment amount or bank account for a single payment in an AutoPay series, you can cancel a single automatic payment and make a one-time payment in its place. To do this, sign in to your account online and click on 'Pay Bill' in the top menu bar. Pending payments will be displayed at the top of the screen. Click 'Cancel' next to the payment you would like to cancel. Now you can return to Pay Bill and select either Standard Payment or Express Payment to make a one-time payment in place of the canceled automatic payment. No change will be made to the rest of your AutoPay series.

Note: Any payment with a Processing status cannot be canceled.

Yes, you can use the same username and password to sign in to our mobile app and our website. If you change your password on one channel, it will be changed for both.

Yes, you can set up or manage AutoPay on our website and in our mobile app.

We recommend taking note of your reference number as record of your payment. The reference number can be found on the payment confirmation screen at the end of the payment process in the mobile app. You can view your payment history at any time by selecting your account and tapping “Payment History.” Once your payment posts, you will also receive a notification inside the mobile app's message center and under Payment Confirmations, which can be found in Documents & Statements. If you have questions about your payment, please reach out to our Customer Service Center at 877-825-3242 and a representative will be happy to help you.

We restrict the use of screenshots in order to protect your personal and financial information. By disabling screenshots in the mobile app, your account and personal information remains safe and secure. If you have questions about your payment or related to your account, please reach out to our Customer Service Center at 877-825-3242 and a representative will be happy to help you.

If you forgot your username or password: Tap the 'Forgot Username / Password?' link on the Sign In screen, under the 'Sign In' button, to reset your password.

You know your password and want to change it: Sign in to the mobile app, tap the 'Settings' icon, then 'Profile,' then 'Password.' Fill out the required information, then select 'Change Password.'

You will need to authenticate your device before completing the password reset. We will send you a temporary identification code by email or text message. You will be asked to input the code, after which you may reset your password. This process is quick and provides an additional layer of security.

Yes, you can manage all aspects of your payment in the mobile app. From scheduling payments, canceling a payment, setting up AutoPay, to adding a bank account or changing your payment due date. To change your payment due date, sign in to the mobile app and tap 'Settings', Select 'Profile', then 'Payment Due Date'. Tap 'Change Now' at the bottom of the screen. Select the new date you would like your Payment Due Date to fall on, and tap 'Submit'.

Yes, the Credit One Bank Mobile App supports Face ID for most iOS devices and facial recognition for some Android devices. Upon your first sign-in after downloading the app, select 'Accept' to use Face ID or facial recognition when prompted. Activating these features will allow you to sign in on future visits without having to manually type your username or password.

If you would like to change your settings to allow or disallow Face ID/facial recognition, sign in to the mobile app and tap 'Settings' from the bottom icon tray. Select 'Security,' then tap the toggle next to Enable Face ID/Enable Facial Recognition.

Yes, the Credit One Bank mobile app supports Touch ID for most Apple iOS mobile devices and fingerprint recognition for most Android mobile devices.

Upon your first sign-in to the app, select 'Accept' to use Touch ID or fingerprint recognition when prompted. Activating these features will allow you to sign in on future visits without having to manually enter your username or password.

If you would like to change your settings to allow or disallow Touch ID/fingerprint recognition, tap the 'Settings' icon, then 'Security,' then tap the toggle next to Enable Touch ID/Fingerprint.

Please make sure you are always running the latest version of our mobile app. Set your device for automatic updates or check the Apple App Store/Google Play Store for the latest version. We strive to add new functionality, make enhancements, or fix issues raised by our customers every month or so, in order to be timely.

To check which version you are currently on, tap the 'Settings' icon in the mobile app. At the bottom of the page — just below the 'Privacy' link — the version you currently have downloaded will be displayed.

If you are having trouble updating your app, first check that your phone meets the minimum requirements. You can find this information by tapping "Having trouble updating?" on the Update Required screen. If your phone isn't the problem, try following these steps:

Android mobile devices:

1. Go to your phone's settings and tap "Apps."
2. Search for or scroll down to Google Play Store.
3. Tap "Storage."
4. Tap "Clear Cache" and then "Clear Data."
5. Open the Google Play Store app and search for the Credit One Bank app.
6. Tap "Update."

For iOS mobile devices:

1. Open the App Store.
2. Tap your profile icon at the top of the screen.
3. Scroll down to Available Updates.
4. Tap "Update" next to the Credit One Bank app.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Mailing Address' to get started. You may only make updates to your contact information once within a 24-hour period.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Phone Numbers and Email Address' to get started. You may only make updates to your contact information once within a 24-hour period.

Yes. When you update your Email Address in the 'Phone Numbers and Email Address' section, your email address for Account Notifications will be automatically updated as well.

Please allow up to three (3) business days for your changes to take effect once you've submitted any updates to your mailing address, phone numbers, or email address.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Account Notifications' to get started. Automated Account Notifications are sent directly to you via email and/or text. You may choose to receive notifications when posted activity from your prior billing period becomes available, your payment has posted, your balance has reached a certain amount, your minimum payment is due, your account is past due, your balance is over the credit limit, or your credit score has been updated. You may also choose to receive daily or weekly posted activity notifications, which include your balance and available credit.

Federal Government regulations require that banks collect income information in order to offer credit line increases. You can keep your account eligible for automatic credit line increase reviews by frequently updating your income information. Just sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Income Information' to get started.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Bank Account Information' to get started. You may keep up to four (4) bank accounts on file for paying your Credit One Bank credit card bill online or in the mobile app.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Credit Protection' to get started. More information about the Credit Protection Program is provided in the separate 'Credit Protection' section of these FAQs.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. If an Authorized User can be added to your account you will see an 'Authorized User' section displayed on the page.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Paperless Documents' to get started. Alternatively, you may select 'Documents & Statements' in the site menu or at the top of most pages as well. More information about Paperless Documents is provided in the separate 'Paperless Documents' section of these FAQs.

To turn off Paperless Documents, sign in to your account online and select 'Turn Off Paperless Documents' on the 'Documents & Statements' page. By turning off Paperless Documents you'll lose the ability to receive new documents (other than statements) electronically. Older documents will remain accessible in your archive. You will still have access to your most recent 24 months of billing statements.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Premium Card Designs' to get started.

If you are signed in to your account online, select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Password' to get started. Password changes are effective immediately. You will be automatically signed out and you may then sign in again using your Username and new Password.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Payment Due Date' to get started.

You can replace a lost card by signing in to your account on CreditOneBank.com, visiting the Settings page, and navigating to the Replace Lost or Stolen Card section. Please note that if your card has been lost or stolen and there is any unusual activity on your account, you will need to call one of our Customer Service representatives as soon as possible at 1-877-825-3242.

If your card is damaged or broken, you can sign in to your account online and select ‘Settings' then locate 'Replacement Card' to get started.

If a note has been posted to your account online or you've received a message on your monthly statement indicating that your Premium Card Design is due to be re-issued (for a fee), select 'Settings' in the site menu or at the top of most pages. If you're eligible to receive a free standard card design you will see a 'Standard Card Design' section displayed on the page.

Yes. Although your account is automatically reviewed for credit line increase eligibility, you may request a credit line increase yourself even if we haven't notified you that an offer is available. Please call Customer Service at 1-877-825-3242 for more information.

We evaluate both your credit and payment history with Credit One Bank and your other creditors to determine eligibility for credit line increases.

Sign into your online account and select the account you'd like to set a PIN for. Go to Settings and locate 'Change PIN,' then select the Change PIN button. Follow the prompts to create your PIN.

Yes. If you're a current card member and would like to request to receive a copy of your specific Card Agreement by mail, sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate the 'Card Agreement' section to get started.

Yes. You can enroll in Paperless Documents to help avoid lost and stolen documents and reduce clutter in your mailbox.

Sign in to your account online and select 'Documents & Statements' in the site menu or at the top of most pages to get started. Alternatively, you may enroll by locating the 'Paperless Documents' section on the 'Settings' page.

Yes. When you agree to access your documents & statements online you must confirm your email address on file or provide a new email address. Automated emails will be sent when a new document has been posted to your account online. Also, as new documents arrive, a 'New' indicator will display within each applicable section on the 'Documents & Statements' page itself.

To turn off Paperless Documents, sign in to your account online and select 'Turn Off Paperless Documents' on the 'Documents & Statements' page. By turning off Paperless Documents you'll lose the ability to receive new documents (other than statements) electronically. Older documents will remain accessible in your archive. You will still have access to your most recent 24 months of billing statements.

Credit Protection is an optional debt cancellation program offered with Credit One Bank's credit card accounts.

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). See Credit Protection Agreement for details.

Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Credit Protection' to get started.

To request Credit Protection Program benefits after you've enrolled, call 1-877-825-3242. Also, you may sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, locate 'Credit Protection' to get started.

You must: 1) qualify for the benefit based on the criteria in the Credit Protection Program Agreement; and, 2) complete and supply us with any verification information/forms we may request from you.

The monthly Program charge is billed to your credit card 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.

For involuntary unemployment and disability, benefits can be initiated after the first 30 days of enrollment in the Program. There is no waiting period in the event of death.

Yes. You may cancel your participation in the Credit Protection Program 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 purchase date, then you will not be billed.

In order to qualify for an involuntary unemployment benefit, you must:

• Be enrolled in the Program for a minimum of thirty (30) consecutive days before you are involuntarily unemployed
  
• Be unemployed due to a layoff, a union-based strike, lockout or similar action or company shutdown (in the event of a strike, labor dispute or lockout, a union representative must sign a form specifying the situation)
• Notify us within three hundred and sixty-five (365) days after the first date of involuntary unemployment
• Have been working at least twenty (20) hours per week for a minimum of thirty (30) days at the time of involuntary unemployment
• Qualify for State, Washington, D.C., or U.S. Territories unemployment benefits or be signed up with a recognized employment agency
• Complete and return any forms required by us as the proof of involuntary unemployment
• Meet all requirements, as determined by us, applicable to your circumstances as described in the Credit Protection Program Agreement and Disclosure

In order to qualify for a disability benefit, you must:

• Be enrolled in the Program for a minimum of thirty (30) consecutive days before your disability begins
  
• Be unable to perform the material and substantial duties of your occupation, or be unable to perform the normal activities of a person of like age if you are not gainfully employed
• Be under the care of a licensed doctor or a licensed health care practitioner who will verify your disability, and who is not a family member
• Notify us within three hundred and sixty-five (365) days after the first date of disability
• Complete and return any forms required by us as proof of disability
• Meet all requirements, as determined by us, applicable to your circumstances as described in the Credit Protection Program Agreement and Disclosure

To qualify for a benefit due to loss of life, a legal representative or a family member must call Customer Service at 1-877-825-3242.

No, your credit card account cannot be used while you are inside the six (6) month benefit period for any purpose including purchases, cash advances or payments to third parties. When your benefit ends, the ability to use your account will automatically be reinstated. If your account is over limit, past due, closed or blocked for reasons not related to the benefit period, your account use privileges may not be reinstated when your benefit period ends.

To view your benefit history, sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, locate 'Credit Protection' to get started.

A contactless card is a credit card equipped with near field communication (NFC) that can make payments at a terminal without needing to be swiped or inserted. Cards equipped with contactless technology will display the Contactless Indicator.  

When prompted, hold your card near a contactless-enabled terminal until the payment has been processed.

Yes. Similarly to how chip payments are processed, a one-time code is generated as part of each contactless transaction to keep payment information secure. The card member’s name, billing information, and the three digit security code on the back or four digit security code on the front of the card are never transmitted.

Contactless payments can be made at any contactless-enabled checkout terminal, usually indicated by the presence of the Contactless Symbol. 

Chip (EMV) cards utilize smart payment technology to store data on integrated circuits in the microchip embedded in the card, enabling an extra level of security over payments made by swiping the magnetic strip.

Insert the side of the card containing the chip into the payment terminal and follow the directions on the terminal screen.

Let the merchant know that your credit card is a “Chip and Signature” card and does not require a PIN (Personal Identification Number) in order to complete the transaction. Note that you will be required to use a PIN when requesting a cash advance at an ATM.

Yes. Simply follow these Apple Pay instructions to add your Credit One Bank credit card into the Wallet app on your iPhone or iPad. See what you need to set up and use Apple Pay on your Apple Watch here.

You may use Apple Pay at a variety of stores. Look for the contactless payment symbol or Apple Pay symbol at participating merchants. You can also use Apple Pay to pay within participating apps when you see the Buy with Apple Pay button or Apple Pay as a payment method. Visit where to use Apple Pay for a listing of featured stores and apps.

The first card you add into Wallet automatically becomes your default payment card for Apple Pay, but you can always go into the Settings app to change your default card. Just go to Settings > Wallet & Apple Pay, tap Default Card and choose your Credit One Bank credit card.

Yes. You'll continue to get the same benefits and rewards that your credit card provides when you make purchases using Apple Pay.

Click here to see more information including how to set up and make purchases with Apple Pay.

Yes. Simply follow these Google Pay instructions to add your Credit One Bank credit card to the Google Pay app on your mobile device.

You can use Google Pay at merchants that accept contactless payments and when making purchases in apps on your mobile device or in Chrome.

The first card you add to Google Pay automatically becomes your default payment card. To change your default card to your Credit One Bank credit card, tap the card and select "Set as default card". You can also tap and hold to drag your Credit One Bank credit card to the top of the list of cards.

Yes. You'll continue to get the same benefits and rewards that your credit card provides when you make purchases using Google Pay.

Click here to see more information including how to set up and make purchases with Google Pay.

Yes. Simply follow these Samsung Pay instructions to add your Credit One Bank credit card to the Samsung Pay app on your mobile device.

You can use Samsung Pay almost anywhere you can swipe, tap, or insert your card. Payments using Samsung Gear are only accepted at merchants that accept contactless payments. You can see more information here.

The default card in Samsung Pay will always be the card you most recently used to make a purchase. If your Credit One Bank credit card is not the default card when you open the app, simply swipe between the cards you have added and select your Credit One Bank credit card before making a purchase.

Yes. You'll continue to get the same benefits and rewards that your credit card provides when you make purchases using Samsung Pay.

Click here to see more information including how to set up and make purchases with Samsung Pay.

You can initiate a payment dispute for a missing or misapplied payment by contacting Customer Service at 877-825-3242.

Please contact Customer Service at 877-825-3242 or mail your written dispute to: Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876. It is very important that you provide all information in regard to your dispute: 1) your account number; 2) the name of the merchant; 3) a detailed explanation of your dispute; 4) the date that the charge was made; and 5) the amount of the charge. If you are mailing your dispute, you must sign your letter.

To preserve your rights under the Fair Credit Billing Act, you must notify us by phone or in writing of any disputed charges within 60 days after the potential error appeared on your statement. We will respond to your dispute within 30 days after receipt.

• Unauthorized charges
• Charges for goods or services you have not received or accepted
• Amounts billed incorrectly
• Transactions not clearly described, or for which you need clarification
• Goods or services that were paid for by other means
• Cancelled recurring charges (e.g. gym memberships)
• Merchandise or service was not as described
• Credit not received for returned merchandise
• Cancelled transaction with merchant or service provider

You should allow up to 30 days, although most credits will post to your account within 15 days.

If you returned merchandise via a service that provides delivery confirmation (e.g. USPS, UPS, FedEx, DHL), provide that documentation to us, including the full address where the merchandise was returned. If you cancelled a reservation, provide the cancellation number. If you were supposed to receive a credit, provide a copy of the credit slip.

Please contact Customer Service at 877-825-3242.

Some merchants do not refund shipping and handling charges, or they might charge restocking fees.

Provisional or Conditional Credit is a temporary credit which may be applied to your account in situations in which a transaction is being disputed. Upon completion of the research, a provisional credit may be removed or made permanent, depending upon the outcome of the investigation.

You can dispute multiple transactions by contacting Customer Service at 877-825-3242.

A balance transfer allows you to transfer the outstanding balance you owe on a third-party credit account to your Credit One Bank account.

Balance transfers will usually be processed within 7 days. To view the status of a submitted balance transfer request, visit the Settings page.

Eligible accounts include other major credit cards, co-branded credit cards, retail credit cards, and gas cards. You may only transfer balances from accounts on which you are listed as a cardholder. You may not pay any Credit One Bank account.

Available balance transfer offers can be found on the Offers page. Certain accounts may not always be eligible for a balance transfer, so if you don't currently have an offer, check back again soon.

Visit the Offers page to view available balance transfer offers, select an offer, then follow the steps and provide the required information to initiate your balance transfer request.

Balance transfers can help you consolidate debt from multiple places into a single account, making it easier to manage and pay off. You can also use a favorable interest rate on a balance transfer to pay less interest on debt that was originally on an account with a higher interest rate.

You may submit documentation that we have asked you to provide to us by utilizing the 'Forms & File Uploads' section of our website.

• Sign in to your account online
• Select 'Forms & File Uploads' on the 'Customer Service' page
• Follow the instructions presented on the page

Once you submit a form, you will be presented with a confirmation receipt that includes a case number. We recommend that you print this receipt for future reference. You may also view your case history by selecting the 'Case History' tab on the main 'Forms & File Uploads' page.

On the main 'Forms & File Uploads' page, select the 'Case History' tab to see a list of your previously submitted cases. You can select 'ADD INFORMATION' to provide additional information to an existing case.

When you submit a form online, your information and any files you choose to upload will be securely transmitted to our Customer Service team. You will be presented with a confirmation receipt that includes a case number. We recommend that you print this receipt for future reference. You may also view your case history by selecting the 'Case History' tab on the main 'Forms & File Uploads' page.

Yes. Credit One Bank is committed to protecting your personal information. We use the latest encryption technology with a Digital Certificate issued by an industry-leading Certificate Authority to protect sensitive information that is transmitted over the Internet.

We accept the following file types: .doc, .docx, .gif, .jpeg, .jpg, .pdf, .png, .ppt, .pptx, .rtf, .tif, .tiff, .txt, .xls, .xlsx. The maximum individual file size must not exceed 2MB.

Yes. You should receive a written response via postal mail within 14 days.

Generally, you must fulfill a request for documentation within 30 days of the date of the letter/notification you received.

Yes. While the fastest way to provide documentation to us is by utilizing the 'Forms & File Uploads' section of our website, you may also send us the requested documentation via postal mail:

Credit One Bank
P.O. Box 98873
Las Vegas, NV 89193-8873

Yes. We will notify you via postal mail.