How To Pay Your Credit One Credit Card: Online, Phone or Mail

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Credit One Bank specializes in credit cards for people with bad credit or no credit history. By opening an account at Credit One Bank, you can apply for a Visa card, and enjoy certain benefits that will allow you to build a credit record.

There is also an option to see if you can be pre-approved for the card.

People with a credit card score of 300-640 —or bad and fair, respectively— can apply, and contrary to what you might think, Credit One Bank is not owned by Capital One Bank, which means you have a different set of benefits at your disposal.

In this article, you will learn about the Credit One credit card login, how to make payments, how to reach customer service, how to create an account with a username-password, and much more!

Benefits of Credit One Bank Credit Card

Like the Cerulean credit card, the Credit One Bank card offers several benefits that would certainly entice any aspiring cardholders, despite a high monthly fee —and annual fee:

  • 1% cash back rewards on eligible purchases
  • Credit lines increase opportunities
  • Up to 10% more cashback rewards from some of America’s top retailers
  • Contactless payment
  • Zero fraud liability —and “Member FDIC”!
  • Free online access to Experian Credit Score
  • Easy-to-use mobile app on your mobile phone
  • Choosing a new payment due date

Online Account Access

To get the best out of your Credit One Bank card, you must secure online account access like many users via the Credit One credit card login.

Credit One Bank Login

To access the Credit One credit card login and create your online account, just click here. Once there, we will guide you through the process!

Register Online

To open your Credit One bank card account, just click on “Set up Online Account Access” below the login credentials on the site.

Once you’ve done so, enter Credit One bank credit card number, the expiration date, the card’s security code, and your SSN. Then, click on “Continue” to finish off the process.

Forgot Username or Password

If you forgot your username or password to your Credit One bank account and need to recover online account access, just click on “Forgot Username or Password?”

To retrieve either of them, just enter the same information when creating you account: credit card number, the expiration date, the card’s security code, and your Social Security Number.

By clicking on “Continue,” you’ll be able to recover your username and update your password to keep your account safe!

Credit One Card Customer Service

Credit One Bank Pay by Phone

To pay your current Credit One card by phone, just dial 877-825-3242.

Credit One Bank Credit Card Payment Address

To pay your credit card by mail, use this address:

Credit One Bank
Payment Services
P.O. Box 60500
City of Industry, CA 91716-0500

Customer Service Hours

You can reach Customer Service between 5 a.m. to 9 p.m., Monday through Friday, and between 6:30 a.m. and 5 p.m. on the weekends.

How to Pay Credit One Credit Card

There are several ways you can pay your One Bank card, you just have to choose the one that is more convenient.


To make a payment online, just log in to your account and go to the payments sections. Once there, you can select the amount you wish to pay so you keep your credit card up to date and avoid any late fees.

call credit one bank

By Phone

If you don’t have online account access, you can pay your Credit One card via the telephone. To do so, just dial the number provided above and dial the payment option. If you’re having problems with the payment, just reach customer service by pressing the right option.

By Mail

To pay by mail, just send a check or money order to the address provided above. It’s very important to keep in mind that this is the slowest payment method!

Via the Mobile App

The One credit card offers a pretty handy mobile app on which you can make payments. Just download the app and set it up for login. Once you’ve secured online access just go to the payments section to execute the payment.

How to Avoid Late Fees

​​Paying you One credit card on time will show good standing that will help you boost your credit score. Late fees are up to $29 for the first late payment and up to $39 for any late payments in the next 6 months.

To avoid late fees, you can schedule automatic payments via your account and the mobile app. This is the safest way to avoid any penalties.


How to Cancel My Credit One Card Online

Unfortunately, canceling your One credit card online is not an option. You need to contact customer service or do it yourself by entering the right information when prompted on the automated call.

Are American Express and Credit One the same company?

No, they’re not the same company. American Express is a franchise that supports one of the One credit card products and offers several perks available on other credit cards.

Final Thoughts

The One credit card is a good option if you need to rebuild your credit. You can review credit scores before applying and see for yourself that those on the lower end are welcome. You can always reach customer service when needed, and online account access will give you the chance to bring the best out of this card.