Credit one is a scam. Tried adding bank account but everything I try and press the verify button I get a, "unable to process your request" then prompted to go to their website and change my password and obtain my username. I change password and enter it and am told it is the wrong password. Pretty much this lender is full of crooks and force you to pay their $4.95 "Express Payment Fee" on top of your $95 annual fee. Paying this card off in full, closing account and reporting to the BBB.