New Contributor
Posts: 76
Registered: ‎10-02-2012

Credit One Platinum PreApproved

It's been a long road to get back to this point, but I received a preapproval offer from Credit One today. After some deliberation, I decided to go for it, even with the $99 AF, just to help the util a little more. They approved me for $400 to start...every little bit helps.

Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Credit One Platinum PreApproved

I believe creditors frown upon ultra sub prime co's...couldn't you have gotten the BofA  partially secured CC?


BOA: 8.9k
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Citi TY Preferd: 5k
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New Contributor
Posts: 76
Registered: ‎10-02-2012

Re: Credit One Platinum PreApproved

Probably...I was just happy to get a non-secured card for a change. I'll keep it for awhile then replace it with something better.

Valued Member
Posts: 46
Registered: ‎08-16-2011

Re: Credit One Platinum PreApproved

everyone has to start somewhere. i remember when i got my tribute mastercard with a 300 dollar limit, but it came with like a 150 dollar annual fee or something crazy like that. thank goodness i dont use that card anymore, but if it was suppose to be easy, everyone would do it. good luck to you.

Starting Score: TU 639 EQ 638
Current Score: Walmart TU 635
Goal Score: 740+

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Regular Contributor
Posts: 134
Registered: ‎07-09-2012

Re: Credit One Platinum PreApproved

Congrats! It's all that hard work that will be paying off down the road! :smileyhappy:

Starting Score: EX: 717; EQ 723; TU 732
2014 Current Score: PenFed FICO NextGen 781 (5/14); Discover FICO08 790 (7/14); EX 748 (4/14); EQ 737 (4/14); TU 761 (5/14)
Goal Score: All 775+
Available Credit: $100K+
Gardening Since: April 17 2014
Valued Contributor
Posts: 1,734
Registered: ‎08-13-2012

Re: Credit One Platinum PreApproved

They charge interest on everything even on purchase grace period........just charge it one in awhile............

credit one is one of the thing I regret it..........before I came to this forum........I would have some much better

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Frequent Contributor
Posts: 265
Registered: ‎05-28-2012

Re: Credit One Platinum PreApproved

Congratulations! Credit One was my second rebuilder card received after Orchard. These two cards kickstarted my rebuilding process and it will do the same for you!

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Credit One Platinum PreApproved


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