I ended accepting the offer with Credit One as well as First Premier as they were the on CCC to approve me (starting scores were in 580s). I've had Credit One for over a year and and while they do have very HIGH APRs, they do a good job at reporting and have I haven't had any complaints. I mainly use it for gas and pay it off before the statement closing date. Doing this for over a year (along with FPB) and I'm in the low to mid 600s. I'll probably close now that I have been approved for a CAP one QS w/$1400 LoC
