Credit One Bank

[namvet]

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@2NE1 wrote:

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@LS2982 wrote:

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@2NE1 wrote:

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haha, okay... I thought about it overnight and decided not to get it. If I have to rebuild with just CapOne for a year, so be it cause this CreditOne Bank apparently isn't even a bank! it is owned by a Collection Agency!  not messing with that!

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I'm glad you thought this through!  Cap One should get you on the way to where you want to be.  Did you ever take a close look at Credit One's logo?  Look familiar?  

[germaine47]

Did Credit One stick with initial line of credit you received on line once your card arrived?

Germaine47

[chan85]

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@germaine47 wrote:

Did Credit One stick with initial line of credit you received on line once your card arrived?

Germaine47

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I never asked for a CLI when I got the card, it was randomly increased probably after a year, and then all my increases since have been requested by me.

[LS2982]

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@namvet wrote:

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@2NE1 wrote:

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@LS2982 wrote:

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@2NE1 wrote:

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haha, okay... I thought about it overnight and decided not to get it. If I have to rebuild with just CapOne for a year, so be it cause this CreditOne Bank apparently isn't even a bank! it is owned by a Collection Agency!  not messing with that!

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I'm glad you thought this through!  Cap One should get you on the way to where you want to be.  Did you ever take a close look at Credit One's logo?  Look familiar?  

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I always thought that as copyright infringment

[RTJ]

No it's not worth it at all....go with Capital one or if you need a secured card go with Applied Bank. Those are the absolute best credit building cards, be warned Applied Bank doesn't report to Equifax....

[Duke-of-Earl]

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@JusdoNit wrote:

LOL> LOL>>>>>>>>>>>LOL!  So did I and it still completed the process.  Imagine how shocked I was when I got the end results.  I guess closing your browser does not mean what it used to. 

I feel you 100% on this one.  I joke all the time about them (credit one) not having an "are you seriously (insert any adjective that immediately comes to mind), I reject this ridiculous offer button"  after you see the terms they are offering.

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Incredible.  That's an abusive practice to say the least.  Maybe your state AG would be interested?

[nuggets321]

Unless you have exhausted ALL other avenues (like burning 8 of 10 lenders) this card is a joke. You would be much more well served to obtain a "secured" card with another lender. These kind of kinds generally result in you owing about half your credit limit before your card ever arrives. Only potential benefit IMO would be that it would be building a positive tradeline while you work on squaring away your messes....

[LS2982]

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@nuggets321 wrote:

Unless you have exhausted ALL other avenues (like burning 8 of 10 lenders) this card is a joke. You would be much more well served to obtain a "secured" card with another lender. These kind of kinds generally result in you owing about half your credit limit before your card ever arrives. Only potential benefit IMO would be that it would be building a positive tradeline while you work on squaring away your messes....

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+1

It's really a ripoff considering there is Cap1 / HSBC out there.

[BOTTS]

THIS SO CALL BANK IS JOKE FOR CREDIT BUILDING IF YOU LIKE A LINE OF CREDIT INCREASE YOU HAVE TO PAY FOR IT////

[Bneathery]

I always do online bill pay with my bank and it posts the next day.