Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011

Re: Credit One Denied

That is exciting news I cancelled mine before the 1 year hit so I wouldn't be charged 8.95 a month on a $0 balance

Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011

Re: Credit One Denied


As the above responses imply, avoid Credit One.  The denial was a gift from the credit gods :smileylol:


Your DH should check into Capitol One (I fell for the logo clone thinking it WAS actually some part of Cap 1, who I don't have a problem with).


I kept them for just short of a year to see what their EX score was saying (it actually did match other input I got about EX), then closed them before the AF hit.

New Contributor
Posts: 65
Registered: ‎09-22-2012

Re: Credit One Denied

Credit One insists on sending me an offer every few months, I make sure to read through the paperwork associated and yeah, didn't like what I saw. Also, the fact that my mom had this card and she didn't like it.

EX -682
EQ -658
TU -663
Posts: 12,952
Registered: ‎04-15-2011

Re: Credit One Denied

+1  Go for bigger and better.  Maybe clean his report a little and age the good that's on there.  Good Luck!

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Regular Contributor
Posts: 440
Registered: ‎02-08-2012

Re: Credit One Denied

Im surprised that Capital one hasnt sued Credit One for basically trying to "imitate" their logo and such...

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
Posts: 930
Registered: ‎07-30-2011

Re: Credit One Denied

It's never a good idea to have a credit card administered by a collections agency.  That card is one of the biggest rip-offs out there.

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Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
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