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Credit one bank

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sassymame28
Established Member

Credit one bank

I preqaulified for a credit one bank card. Should I try or not . I also have a 300 dollar secured wellsfargo card and many commenity bank cards is this enough to rebuild with or should I try getting the credit one card?

Steady Moving On Up!!
Message 1 of 15
14 REPLIES 14
pizzadude
Credit Mentor

Re: Credit one bank

What are the fees for this card ? Aren't they quite high? I wouldn't go for this particular card if you already have several open accounts.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 15
jeffery581
Established Contributor

Re: Credit one bank

re: What are the fees for this card ? Aren't they quite high? I wouldn't go for this particular card if you already have several open accounts.

 

 

+1

 

 

They serve a purpose but if you don't need them don't apply.

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 3 of 15
ezdoesit
Valued Contributor

Re: Credit one bank

What is your current score that you feel you might want to apply for the card?

Message 4 of 15
creditscoreEE
Frequent Contributor

Re: Credit one bank

What are the fees for this card ? Aren't they quite high? I wouldn't go for this particular card if you already have several open accounts.

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I'm not sure what the fees are but I heard they are pretty high.
Samsung mobile
Message 5 of 15
sassymame28
Established Member

Re: Credit one bank

On myfico my equifax score is 631 and credit karma 611

Steady Moving On Up!!
Message 6 of 15
JonStur
Established Contributor

Re: Credit one bank

What are your other cards and their limits??


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 7 of 15
ForMyBiz
Frequent Contributor

Re: Credit one bank

They must have been marketing really hard this week.  I'm pretty sure this is the 3rd or 4th thread about these guys.

 

I wish I hadn't messed with them because of the fees (in particular the monthly fees), but I guess they do serve a purpose.  They help with my overall utilization.

Message 8 of 15
sassymame28
Established Member

Re: Credit one bank

I. wellfargo secured card 300

2. Marathon gas card 200

3. 5 commenity bank card soft pulls only with a 250 limit on all five

4. fingerhut fresh start 250 just graduated from that so don't know if still the same or not

5.AU on my brother walmart card 1300

6. AU on my brother citi card 500

Steady Moving On Up!!
Message 9 of 15
pizzadude
Credit Mentor

Re: Credit one bank

IMO you have plenty of open accounts ~ no need to open one, especially one with exorbitant fees.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 10 of 15
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