I don't even know where to begin for one I can't even view my credit score every time I call customer service to fix the issue they transfer me and I can never get to speak with someone.. 2 it takes forever to accept payments but when it finally does it takes days before you can use it makes no sense and if you want it right away within a day or two you have to call and make the payment over the phone and pay $7 plus tax fee.. Credit One is always on maintenance and ntn gets ever gets fixed.