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Contact Information & Credit Card FAQs | Credit One Bank

Contact Information & Credit Card FAQs | Credit One Bank

Frequently Asked Questions

General ( 9 )

  1. Who is Credit One Bank?

    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.

  2. How do I contact you?

    For a complete listing of our contact information, including our telephone numbers and mailing addresses, select the 'Customer Service' link in the site menu or at the top of most pages throughout the Credit One Bank website.

  3. How do I view Credit One Bank's Cardholder Agreements or request to receive a copy of the specific Cardholder Agreement for my account?

    To download our Cardholder Agreements, look for the 'Cardholder Agreements' link in the site menu of our website prior to signing in. If you're a current card member and would like to request a copy of your specific Cardholder 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 'Cardholder Agreement' section to get started.

  4. Can I change my name on my credit card account?

    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.

  5. May 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.

  6. What career opportunities are available at Credit One Bank?

    Select the 'Careers' link in the site menu of our website for a current listing of open positions at Credit One Bank, along with information regarding our Corporate Culture and Employee Benefits.

  7. What is your payment mailing address?

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

  8. Can I change my mailing address to an address outside of the United States?

    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.

  9. Can I use my card when traveling outside of the United States?

    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.

Technical ( 5 )

  1. Which browsers do you support?

    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.

  2. What steps do you take to ensure your website is secure?

    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.

  3. Are there times when your website is unavailable?

    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.

  4. What should I do if I'm having trouble using the 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.

  5. Why can't I see some parts of the Credit One Bank website?

    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.

Credit Card Applications ( 3 )

  1. How do I apply for a credit card from Credit One Bank?

    You may accept a pre-approved credit card offer that you received in the mail or find out if you are pre-qualified by selecting the appropriate links conveniently provided on our homepage at CreditOneBank.com.

  2. How do I check on the status of my credit card application?

    Select the 'Application Status' link in the site menu of our homepage to check on the status of your credit card application.

  3. May I refer a friend or family member to Credit One Bank?

    Absolutely. You may invite your friends and family members to apply for their very own Credit One Bank credit card. Just direct them to CreditOneFriends.com.

Credit Card Activation ( 2 )

  1. Can I activate my new Credit One Bank 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 credit card in the mail.

  2. 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 you receive it in the mail.

Online Account Access ( 19 )

  1. How do I access my credit card account information online?

    Select 'Set Up Online Account Access' on the homepage to get started.

  2. Can I check the availability of a particular username?

    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.

  3. What if I can't remember my username and/or password?

    Select the 'Forgot Username / Password?' link on the homepage to reset your username and/or password.

  4. If I have more than one credit card account with Credit One Bank can I access all of my accounts online?

    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 right of most pages. Each individual account is easily identified by card type (i.e. Visa, Mastercard or American Express) and the last four digits of the account number.

  5. If I've added an Authorized User to my account, can they set up Online Account Access separately?

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

  6. What are the features of 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: Current Snapshot; Posted Activity; Pending Activity; Pay Bill; Offers; Credit Score; Documents & Statements; Customer Service; and, Settings.

  7. What is the 'Overview' page?

    The 'Overview' page is your account dashboard. This page includes the Current Snapshot, which is an up-to-date summary of your account information. To pay your bill just select the 'Pay Bill' button in the Current Snapshot (or in the site menu or near the top of most pages). 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.

  8. What is the Current Snapshot?

    The Current Snapshot is a concise summary of your account information and includes balance, payment due date, minimum payment, total credit limit, total available credit, credit limit for cash, available credit for cash, last statement balance, total transactions, total payments & credits, and rewards earned.

  9. How often is the 'Overview' page updated?

    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.

  10. What is my Annual Percentage Rate (APR) and where can I find this information?

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

  11. What is Pending Activity?

    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.

  12. What is Posted Activity?

    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.

  13. What are Notes?

    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.

  14. What are Account Notifications?

    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.

  15. How do I access my free online Credit Score?

    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.

  16. What is the 'Settings' page?

    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.

  17. How do I see what offers are available for my account?

    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.

  18. How do I unsubscribe or update my preferences for text/SMS messages?

    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.

  19. Can I access CreditOneBank.com and/or my account when I am outside of the United States?

    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.

Pay Bill ( 13 )

  1. What are the differences between an Express Payment and a Standard Payment?

    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.

  2. How do I know if a payment has posted to my account?

    Posted payments appear in the 'Posted Activity' section of the 'Overview' page.

  3. 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.

  4. 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.

  5. Is there a limit to how much I can pay using Pay Bill?

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

  6. Is there a minimum allowable payment when using Pay 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.

  7. Is there a fee for making a payment online?

    There is no fee charged if you choose the Standard Payment option. A fee of $9.95 will be charged if you choose the Express Payment option.

  8. May I still mail in a payment even if I've set up Online Account Access?

    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.

  9. 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 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.

  10. How does the bank account verification process work?

    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.

  11. What is bank account verification and why do you need to verify my bank account?

    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.

  12. Can I schedule a payment for a future date?

    Yes. You can schedule a payment up to 30 days in the future with the Standard Payment option. Note that you can only have one pending future-dated payment at any given time. Payment scheduling is not available for any of our other payment methods. 

  13. Can I cancel a scheduled Standard Payment?

    Yes. After a Standard Payment is scheduled, you can cancel it from the ‘Pay Bill’ page. A payment cancellation must be submitted by 11:59 p.m. (Pacific Time) on the day before the scheduled payment date. 

Settings ( 20 )

  1. How do I update my mailing address?

    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.

  2. How do I update my phone numbers and 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 'Phone Numbers and Email Address' to get started. You may only make updates to your contact information once within a 24-hour period.

  3. Will updating my email address in the 'Phone Numbers and Email Address' section also update my email address for Account Notifications?

    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.

  4. When will my contact information updates take effect?

    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.

  5. How do I set up or manage Account Notifications?

    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.

  6. Why should I update my income information?

    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.

  7. How do I add or update my bank account information for online bill payment?

    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.

  8. How do I enroll in Credit Protection?

    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.

  9. Can I add an Authorized User to my account?

    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.

  10. How do I enroll in Paperless Documents?

    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.

  11. How do I turn off Paperless Documents?

    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.

  12. How do I upgrade my card design?

    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.

  13. How do I change my Password when I'm signed in to my account online?

    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.

  14. How do I change my payment due date?

    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.

  15. How do I request a replacement card?

    If your card has been lost or stolen, please contact Customer Service immediately at 1-877-825-3242. If you are outside the U.S., call 1-702-405-2042. If your card is damaged or broken, sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'Replacement Card' to get started.

  16. Can I request a Standard Card Design for my account?

    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.

  17. May I request a credit line increase?

    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.

  18. 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.

  19. How do I request a PIN (Personal Identification Number) for cash advances at ATMs?

    Sign in to your account online and select 'Settings' in the site menu or at the top of most pages. Then, just locate 'PIN (Personal Identification Number)' to get started. If your account does not currently meet the requirements necessary to request a PIN, you will be notified. A PIN will allow you to request cash advances at ATMs worldwide.

  20. Can I request a copy of my Cardholder Agreement?

    Yes. If you're a current card member and would like to request to receive a copy of your specific Cardholder 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 'Cardholder Agreement' section to get started.

Paperless Documents ( 4 )

  1. Can I stop receiving paper statements and other documents in the mail from Credit One Bank?

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

  2. How do I enroll in Paperless Documents?

    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.

  3. Will I receive any type of notification when new documents are posted online?

    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.

  4. How do I turn off Paperless Documents?

    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 ( 13 )

  1. What is Credit Protection?

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

  2. 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).

  3. How do I enroll in the Credit Protection Program?

    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.

  4. How do I request Program benefits?

    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.

  5. What are the requirements when requesting activation of Program benefits?

    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.

  6. How will the monthly Program charge be billed?

    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.

  7. How soon after I enroll in the Credit Protection Program can I request benefits?

    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.

  8. After I enroll in the Program, can I terminate my participation?

    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.

  9. How do I qualify for an involuntary unemployment benefit?

    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

  10. How do I qualify for a disability benefit?

    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

  11. How do I qualify for a loss of life benefit?

    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.

  12. Can I use my card during the benefit period?

    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.

  13. How do I manage open claim(s), or view prior claims?

    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.

Chip & Contactless Payments ( 7 )

  1. What is a contactless card?

    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.

  2. How do I make a contactless payment?

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

  3. Are contactless payments safe?

    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.

  4. Where can I make contactless payments?

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

  5. What is a chip card?

    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.

  6. How do I make a payment with a chip card?

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

  7. What if I am asked to provide a PIN while making a purchase with a chip or contactless card?

    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. 

Apple Pay® ( 5 )

  1. Is Apple Pay available for my Credit One Bank credit card?

    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.

  2. Where can I use Apple Pay?

    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.

  3. How do I set my Credit One Bank credit card as the default card in Apple Pay?

    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.

  4. Will I still earn rewards when I pay using Apple Pay?

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

  5. Where can I get additional information on Apple Pay?

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

Google Pay ( 5 )

  1. Is Google Pay available for my Credit One Bank credit card?

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

  2. Where can I use Google Pay?

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

  3. How do I set my Credit One Bank credit card as the default card in Google Pay?

    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.

  4. Will I still earn rewards when I pay using Google Pay?

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

  5. Where can I get additional information on Google Pay?

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

Samsung Pay® ( 5 )

  1. Is Samsung Pay available for my Credit One Bank credit card?

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

  2. Where can I use Samsung Pay?

    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.

  3. How do I set my Credit One Bank credit card as the default card in Samsung Pay?

    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.

  4. Will I still earn rewards when I pay using Samsung Pay?

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

  5. Where can I get additional information on Samsung Pay?

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

Disputes ( 5 )

  1. How do I dispute a charge?

    If you would like to dispute a charge that has posted to your account, we must receive your dispute in writing. 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. You must also sign your letter. Mail your written dispute to: Credit One Bank, Attn: Dispute Department, P.O. Box 98876, Las Vegas, NV 89193-8876.

  2. 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 charges within 60 days after the potential error appeared on your statement.

  3. When will I receive a response regarding my dispute?

    We will respond to your written dispute within 30 days after receipt.

  4. How do I cancel a dispute?

    Contact us at 1-877-825-3242 and advise a Customer Service 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.

  5. How long will it take to resolve my dispute?

    The dispute process may take up to 60 - 90 days to resolve, but will not exceed two (2) complete billing cycles.

Balance Transfers ( 6 )

  1. What is a balance transfer?

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

  2. How long does it take to process a balance transfer?

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

  3. What types of balances can I transfer to my Credit One Bank account?

    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.

  4. Where can I find balance transfer offers?

    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.

  5. How do I initiate a balance transfer to another company/creditor?

    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.

  6. How can I benefit from a balance transfer?

    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.

Forms & File Uploads ( 9 )

  1. How do I provide documentation to Credit One Bank online that you have requested from me?

    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.

  2. Can I view forms that I previously submitted and/or provide additional information regarding my case?

    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.

  3. How do I know that Credit One Bank received my documentation?

    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.

  4. Are files that I choose to upload transmitted securely?

    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.

  5. What file types can I upload?

    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.

  6. Will I receive a follow-up response regarding my case?

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

  7. How long do I have to provide documentation that was requested from me?

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

  8. Instead of submitting my documentation online, can I mail it in?

    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

  9. Will I be notified when my case has been closed?

    Yes. We will notify you via postal mail.

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