Frequent Contributor
Posts: 273
Registered: ‎02-08-2010

CreditOne Bank CLI at 6 mos. is a nice greeting.

A lot of people don't like CreditOne Bank, but I love they give a CLI every six months.  It's nice to log into the online account and have a window pops up offering a CLI.  I wish more companies offered CLI's like this.  Granted it costs you $19.99 to get a $100 CLI, but when your building thats nothing.  Its a good card to keep for a few years to build and then close when you get into prime accounts.

09/20/14 FICOs, EX 671, EQ 677, TU 701
Posts: 255
Registered: ‎08-24-2011

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

i disliked Credit One the most out of all the sub prime cards I had. It served its purpose but CS was the worst I have experienced out of any card. Just trying to get someone on the phone was chore.

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Established Contributor
Posts: 909
Registered: ‎12-25-2010

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

Exactly. As I posted on another thread, you have to crawl before you can run.

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Moderator Emeritus
Posts: 10,907
Registered: ‎12-30-2011

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

While I don't disagree with the core point: when you're building / rebuilding get ANY reporting positive tradeline on you can, I'd point out that unless you can't come up with the $99 minimum for several secured cards, that CreditOne isn't really a fantastic option anyway.  


Over the long run I think everyone would be served better by going with say Capital One secured, and just taking the fees they would've accrued with Credit One, and simply depositing them to the Cap One secured card anyway.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)

Take the myFICO Fitness Challenge
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

The thought of paying a creditor for a CLI is depressing.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 309
Registered: ‎09-06-2011

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

YMMV on CreditOne.


I got one last year when i was rebuilding credit and they gave me unsecured $300.00. I also opened Applied Bank as well. Since then I got BBRZMC, CAPONE, SONY CAPONE, HOUSEHOLD BANK CARD (as it turns out now I have 4 CAPONE LISTED on my credit..LOL) and also AMAZON store card, AMEX zync and Discover IT.


Applied Bank has been axed and they actually refunded me my money quickly. had a $250.00 Secured CL on there. I liked it a lot to be honest with you. 9.9% APR and No annual fee for first year...only thing is they don't report to EQ. Served it's purposed and axed.


Credit one will be axed in 10 days. Waiting for statement to cut to $0 balance (Balance last statement was $3 bucks). Not feeling like paying $12.95 monthly fee starting october and reality is while i got CLIs from everyone including CAPONE and Discover IT is for $1700 CL..I don't need $300 bucks from Credit One with APR that starts from day of purchase and monthly fee along with no rewards..


It has served it's purpose...with rest of my limits being around $4000k...won't take a hit on UTIL and the tradeline will still be there for 10 years.


Use it as a rebuilder...but once you outgrow it...axe it!

NFCU Visa Sig $30k / Fidelity Amex $25k/ Amex Blue Cash $8.5k / Chase Freedom $14.5k / Citi Best Buy MC $3K / Citi Double Cash $3k / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $8.5k / SY Amazon $5k / Target RedCard - $300 / NO CAPONE IN MY WALLET!!
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009

Re: CreditOne Bank CLI at 6 mos. is a nice greeting.

I actually like them and have no issue wit them. I started off at 200 and now have 700...It might be the one starter card i keep just for my gym fees to hit and my utility to look good. I now have graduated to other prime cards. But i liked this one. Cap1 just gave me an increase on a card i got this year but wont give me one for a card that ive had before that one

Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.