Yes, you can use a credit card before it arrives in the mail, but only with certain cards.
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.
Once activated, your Credit One card will be immediately available for use. There is a deadline to activate, however. Credit One may close the account if you do not activate your new card within 14 days after you receive it in the mail.
Credit One gives instant approval on its credit cards, but only some of the time. Instant approval always is possible when applying for a Credit One credit card online, though getting approved for an account immediately is never guaranteed.
The starting credit limit for Credit One credit cards is $300 to $500. Credit One credit card applicants with the highest credit scores and the most income have the best chance of getting the highest starting credit limits.
You cannot get a virtual credit card number for your Credit One Visa card through Credit One because it does not offer this service. You can, however, get a virtual card number for your Credit One Visa card through Click to Pay instead.
Typically, you can use your card almost immediately after you've activated it.
It takes one to three business days for a credit card payment to post to your account if you pay online or by phone. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction.
If you have no available credit after paying off your credit card, it's possible the card's issuer put a hold on the account. The reasons for the hold may include exceeding your credit limit or missing payments, especially if you do so repeatedly.
No, you cannot use your Credit One Bank® Platinum X5 card instantly after approval. You'll have to receive the card in the mail before you can start making any purchases. After approval, your card should be delivered at the address on file in 7-10 business days.
1% cash back rewards
The cash back rewards offered by Credit One Bank® Platinum Visa® are a nice draw. You'll earn 1% cash back on eligible gas, groceries, mobile phone services, internet service, and cable and satellite TV services.
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.
If you get approved for an instant use credit card, you might be able to start using it within minutes. If it's not an instant use credit card, you may have to wait for your card to arrive in the mail before you can use it.
You can get your Credit One Platinum card number by looking at the front of your card. If your card is lost or damaged then you have to contact customer service at (877) 825-3242. While a customer service representative does not have access to your card number, they can still issue a replacement card.
Note: You should activate your card within 14 days after you receive it in the mail.
And at least one — American Express — offers access to credit card numbers immediately after approval on all of its consumer credit and charge cards. Cards associated with certain brands — such as store cards, airline cards and hotel cards — also commonly offer instant access to credit.
Some credit card issuers let you use an instant approval credit card right away, while others require that you wait to receive the physical credit card. Once you activate your card, you can start using it and earning rewards.
Credit One Bank American Express® Card is a flat-rate cash back credit card that earns 1% cash back on every purchase – with no categories to choose, points to track or limit on rewards.
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.
If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.
The Credit One Bank® Visa® Cash Back Rewards is designed for people with fair credit, and it offers an initial $300 credit line. There is a $39 annual fee. Cardholders earn 1% cash back on qualifying gas and grocery purchases, along with select telecommunication services.