I closed my Credit One card today because it has the lowest limits out of all the cards I have ($300 vs my other cards which are $550, $1600, $1800 and $4000), it's the only card I had that has an annual fee, and I barely used it as it is. And let me tell y'all, that was a chore and a half!
Every single phone number on their website goes to the exact same automated system which has no menu option to speak to a live representative or make account changes. I had to find out from a forum elsewhere that in order to reach a real person at Credit One, you have to spam 0*0# on the dialpad and eventually you get connected to a real person.
The guy I talked to on the phone, couldn't hardly understand a word he said and his name definitely was NOT "James", kept interrupting me while I was talking and threatened to disconnect the call, citing their policy apparently which is that if the call drops then the account remains open. He also tried baiting me to stay by offering to remove the annual fee and give me a lower APR.
Got put on hold and bounced between 2 or 3 different people before I finally talked to someone who actually helped me close my account, and I made sure to request confirmation via mail.
Credit One, super predatory and super scummy lender. Don't go through them!
Every single phone number on their website goes to the exact same automated system which has no menu option to speak to a live representative or make account changes. I had to find out from a forum elsewhere that in order to reach a real person at Credit One, you have to spam 0*0# on the dialpad and eventually you get connected to a real person.
The guy I talked to on the phone, couldn't hardly understand a word he said and his name definitely was NOT "James", kept interrupting me while I was talking and threatened to disconnect the call, citing their policy apparently which is that if the call drops then the account remains open. He also tried baiting me to stay by offering to remove the annual fee and give me a lower APR.
Got put on hold and bounced between 2 or 3 different people before I finally talked to someone who actually helped me close my account, and I made sure to request confirmation via mail.
Credit One, super predatory and super scummy lender. Don't go through them!