I have had a card with CreditOne for about two years (it was my first and only card), and I have never been happy that they charge 7.95 to make an online payment. However, with the new law that limits fees, CreditOne has developed a two-option system: either pay $10 to have your payment clear now, or wait 8 days (with the check draft already pulled from your bank account) for it to go through. Here is the most ridiculous part: my account summary tells me I have a $290 balance and a $475 limit, yet somehow I am over my limit by $19, which I... read full review »