Hey, it’s Credit One, a notoriously predatory bank. Interest rates are high, fees are aplenty, and they’re not exactly kind. I’m in the credit card hobby and they’re famous for being shit (but situationally useful if you’re trying to rebuild credit). If you’re one of those and use it properly then cancel it, it’s fine. If you don’t pay it off, the balance balloons.

This person will continue to compound interest and fees until they charge off the account, sell it to some collector, and eventually one of the collector human centipede segments will sue them. Some banks will occasionally let go of debts, but a Credit One charge off will probably see this individual trying sovcit tactics in court -> judgment -> wage garnishment eventually.