DENIED CREDIT ONE!

[abundancejones]

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@rhall2009 wrote:

if thats the case then it lines up right with the score power i pulled from equifax. guess there is a backdoor instead of paying the 15 or 20 bucks huh

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It is actually an Experian 04 score. 

[juggalo9er]

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@rhall2009 wrote:

yea i did have an interest in the card i was only joking like everyone else generally does.

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the 1% cash back on gas is unrivaled right and no af the first year like capone right

[Burned2manybridgesB4]

Funny thing about this card...

When I started the rebuild, I had applied to this, knowing the future pain/fees involved, but proceeded anyways.....

I received a letter asking to verify my identity, and when I did some "research," I discovered that their CA ties were another item that I had owed an extreme amount of money to (old CO), and reading between the lines(being paranoid) I guess they wanted my "verification" to pass off to the CA, for increased collection efforts.

I just skipped the whole thing, based on paranoia.

[juggalo9er]

with the 75 af and 30% apr around 1/5 people could default on this card and i do not believe the company would lose a dime! now thats a staggering profit margin

[Shock]

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@CreditCuriousity wrote:

A few fun facts about Credit One as stated I use to work there.  They are based out of Las Vegas near the airport, about 5 mins from the strip at the most.  They are actually a bank and actually use to have a few brances along time back, but no longer do, they use to go under another name, I can't think of it off hand, but a quick google can solve it.  They do own I believe two collection agencies in which they sell "some" of there charged off accounts to as I believe this might be a "tax break".  Actually alot of there customer service is based in the US, but there are a few other locations where it is outscoured to as well.  Never work for them if you are a programmer, they treat you like they treat there customers others then they actually do pay middle of the market, but you will work you arse off.  No I won't give out email addresses to the EO contact list .  

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http://en.wikipedia.org/wiki/Credit_One_Bank

Makes me sick that they started in my own backyard as First National Bank of Marin

[Shock]

CreditOne's logo is an obvious ripoff of Capital One lol

[Kenny]

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@Burned2manybridgesB4 wrote:

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@KennyRS wrote:

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@juggalo9er wrote:

went through the pre approval process and was denied pre approval. My score according to them was a 704, they cited too many inquiries(3) and high revolving balance $11....i am shocked does credit one recon

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Get another Capital One if you need another card. Why credit one??

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The people that CO'ed CapOne a few times need somewhere else to go.....

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Yeah, but they're quite often ready to accept you again quickly thereafter......

[Burned2manybridgesB4]

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@KennyRS wrote:

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@Burned2manybridgesB4 wrote:

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@KennyRS wrote:

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@juggalo9er wrote:

went through the pre approval process and was denied pre approval. My score according to them was a 704, they cited too many inquiries(3) and high revolving balance $11....i am shocked does credit one recon

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Get another Capital One if you need another card. Why credit one??

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The people that CO'ed CapOne a few times need somewhere else to go.....

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Yeah, but they're quite often ready to accept you again quickly thereafter......

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Makes you wonder how streamlined the C1 collections dept is, just from the standard $300-500 CO's.

[Anonymous]

Credit One isn't that bad. I had their card for like a year, and never had a problem with them. Their fees are ridiculous though, but no one is worse than First Premier in that category.

[dize]

One of the denial reasons I got was that the utilization on my open accounts was too LOW. I wish I did get a normal experian score, though. I got some weird score based on a range of -5 to 298..