![]() I called, then out of the blue, I receive an email stating "upon further review". I supplied enough evidence to convince a deaf and blind jury of the malfeasance and was first, asked to resubmit. NOT the entire transaction, as we took 2 of the 3 tours, and were pleased, so JUST $110 for this one. After continuing to refuse to process a very simple transaction, I called Credit One, like the previous dispute and disputed this transaction. I refused this option, the "vendor" stated she couldn't do returns, which is an absolute lie, I am in Colombia, with American credit cards all the time and receive refunds, so she was either lying, lazy or ignorant. They offered a "refund" in Colombian pesos, which would have resulted in me spending approximately $25 in taxi fees, as well as exchange fees to get the money returned in dollars, thus defeating the point. The bigger dispute, was from another boat tour that the company canceled on us days before the scheduled trip, through absolutely no fault of our own. It is now October, and I still have heard nothing back for this particular disputed transaction, but I have a strong feeling, even with factual evidence in my favor, it'll go against me, and I will have to stomach the $68. That dispute magically disappeared shortly after I arrived back in the USA. I disputed no problem, submitted every screenshot of the conversations via WhatsApp, receipts, his remarks in Spanish, my remarks backed with facts, etc. This was after inflating the prices, lying about it, and blaming everything under the sun to the tune of what equated in dollars to about $7 more. One was canceled by me, and the "vendor", after challenging me physically, and told me to dispute the charge with the credit card because he refused to refund the $. Both disputed charges were for boat trips that my girlfriend and I were not able to go on. I disputed two separate charges from Santa Marta, Colombia, May/June 2023. Don’t be that person and you’ll have no reason to complain. I can think of no other reason why there would be a problem. It appears to me that people complaining about their experiences probably didn’t meet the required standards of any credit agreement, regardless of the card issuer. It’s super simple and an extremely easy, streamlined app. They’ll do an express payment from a debit card (my preferred route) and it’s immediately applied or they’ll do an ACH hold with your bank, just don’t use the amount you’ve set aside to be deducted. ![]() They offer 2 ways to pay on the mobile app. Bottom line, pay as little as the minimum due before or on the due date right on the mobile app and there will never be a problem. I also avoid large interest payments by making larger payments than the minimum amount due before the due date and/or paying the balance in full. Hold up your end of the agreement made upon origination and there’ll never be a problem. How is there to be any issue? Simply put, there aren’t issues. They’ll only accept 5 payments in a 1 month period, just fyi. Yes, there is an individual payment limit per month but I prefer to make the payments in the event I’m ever in an emergency situation and need to use the card. At one point, I attempted to pay more individual payments but had reached their payment limits for the month. Oftentimes I’ll pay more than 1 payment at intervals during a single month. They’re available for viewing and redeeming right on the app. There’s a little more work involved to see who offers cash back but it’s worth the few minutes it takes to look. Credit One penalty fees The fee per late payment or returned payment is up to $39.Īlso, cash back purchases most often offset the interest accrued so take advantage of those when one can. Credit One foreign transaction fees Foreign transaction fees are either $1 or 3% of each purchase in U.S. Most banks also charge non-account holders a fee to use their ATMs. Depending on the card you have, cash advance fees are either $5 or 8% of the amount of each cash advance, whichever is greater, or $10 or 3% to 5% of each cash advance, whichever is greater. Credit One ATM withdrawal fees Since Credit One Bank only issues credit cards and doesn’t offer checking or savings accounts, you’re taking out a cash advance when you withdraw cash at an ATM with your Credit One credit card. If your credit score improves, you may qualify for a lower annual cost. After the first year, Credit One bills the annual fee once a year or divides it into 12 equal portions and bills it monthly. Credit One charges the first annual fee when you open your account, which decreases your initial credit limit. Credit One annual fees Credit One Bank’s annual fees range from $0 to $99.
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