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Credit One Platinum PreApproved

Regular Contributor

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.

7 REPLIES
Established Contributor

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
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Regular Contributor

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.

New Contributor

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

Re: Credit One Platinum PreApproved

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

Starting Score (2016): EX: 748; EQ 737; TU 761

2014 Current Score: Discover FICO08 797 (7/16); AMEX FICO 776 (8/16); PenFed FICO 766 (5/16).


Goal Score: All 800+ Available Credit: $100K+
Utilization:
23%

Gardening Since:
September 2016

Valued Contributor

Re: Credit One Platinum PreApproved

They charge interest on everything even on purchase ......no 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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor

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

Re: Credit One Platinum PreApproved

Congrats