Re: Credit One Changing their ways??

GreenThumb553 · ‎07-12-2016

So, over the last year or so, I've seen a lot of stuff about Credit One credit cards. I decided to shy away from them, but I applied today for the card.

Even though it states "Credit limit $300 or $500," they must be mistaken because they approved me for $1500 SL, $49 AF (first year waived), no monthly fee. at 10.49

The APR was set at 10.49%. That's lower then my Cap One card ($5k CL, 29.99% APR)

Maybe they're changing their ways?

Anonymous · ‎07-12-2016

Wow! Nice APR, congrats! I just got an email asking if I still want there card. That offer would be hard for me to pass up.

RonM21 · ‎07-12-2016

That isn't too bad there. I think on the offers I got before, it said up to $1500. Nice that you got that limit!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎07-12-2016

@GreenThumb553 wrote:
So, over the last year or so, I've seen a lot of stuff about Credit One credit cards. I decided to shy away from them, but I applied today for the card.

Even though it states "Credit limit $300 or $500," they must be mistaken because they approved me for $1500 SL, $49 AF (first year waived), no monthly fee. at 10.49

The APR was set at 10.49%. That's lower then my Cap One card ($5k CL, 29.99% APR)

Maybe they're changing their ways?

Congratulations On Your Approval!...Thanks For Sharing.

Sbrooks1 · ‎07-12-2016

That's a great offer! Congrats

degs138 · ‎07-12-2016

Does credit one charge interest from the date of purchase? Or just at the closing date?

FICO TU 757 Eq 741 116,900 Total revolving Credit.
Favorite cards: AMEX BCP, US Bank Cash+, Chase Sapphire Prefered

juniornj23 · ‎07-12-2016

I close 2 card with them today they offer me 3000 dollars CLI in both card and no anual fee for the first year and i said no . I just got into 100k club and i really dont want to pay anual fee on a card it just bad

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

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CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

Anonymous · ‎07-12-2016

Yeah the interest at purchase posting would be a big fat NO for me. But congrats on your approval! That's unheard of credit one!

Vegas4Play · ‎07-13-2016

Never seen anything like that from Credit one....terms don't sound bad...

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.

Vegas4Play · ‎07-13-2016

YES THEY DO charge interest from purchase date...No grace period...I would advise to push payments to them instead of pull... they only let you make I think 3 ( I know it is very limited ) payments within 30 days.

I saw they advertised giving you 1% back on gas and groceries...take that with a grain of salt never carry a balance on that card longer than you have to use it sparingly and go to your bank account login an push a payment the day before it will post.

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.

Credit One Changing their ways??

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Credit One Changing their ways??