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Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
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Got CO an FP pre-approvals in mail. In the trash now:)

So, today I received my second set of pre-approvals in the mail from Credit One with a CL of up to $1500, and First Premier with an approved limit of $700. Felt good to throw them in the shreder bin! Those fees are outrageous! no way would I ever get those cards. Before I filed BK,  I did my homework here, and knew I'd hold out for something better, and I did! Smiley Happy thank you Jesus! Lol!

(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k
Member
Posts: 30,743
Registered: ‎02-07-2013
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Re: Got CO an FP pre-approvals in mail. In the trash now:)


pizza1 wrote:

So, today I received my second set of pre-approvals in the mail from Credit One with a CL of up to $1500, and First Premier with an approved limit of $700. Felt good to throw them in the shreder bin! Those fees are outrageous! no way would I ever get those cards. Before I filed BK,  I did my homework here, and knew I'd hold out for something better, and I did! Smiley Happy thank you Jesus! Lol!


Bravo shred away 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Member
Posts: 107
Registered: ‎12-12-2013
0

Re: Got CO an FP pre-approvals in mail. In the trash now:)

lol this is first time hearing abt credit one and first premier for me =)

are they big lenders?

 

 

Frequent Contributor
Posts: 477
Registered: ‎11-17-2013
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Re: Got CO an FP pre-approvals in mail. In the trash now:)


Feather_Hat wrote:

lol this is first time hearing abt credit one and first premier for me =)

are they big lenders?

 

 


Big fee and big interest for sure

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Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
0

Re: Got CO an FP pre-approvals in mail. In the trash now:)

Thanks my journey!! Smiley Happy lol

Feather hat.....they are big sub prime lenders! They cater to the "bad" credit or no credit folks, and will usually approve 99% of all apps, lol!!! Especially to people like me who have a recent bankruptcy and are trying to rebuild their credit. They know I am, so they are hoping that I will jump on their offer for credit with their $75 annual fee, $19.95 a month service fee, and a few hundred dollars for other fees before you even get the card. Once you do, you like $20 available credit. Lmao! No that desperate at allSmiley Wink
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
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Re: Got CO an FP pre-approvals in mail. In the trash now:)


pizza1 wrote:
Thanks my journey!! Smiley Happy lol

Feather hat.....they are big sub prime lenders! They cater to the "bad" credit or no credit folks, and will usually approve 99% of all apps, lol!!! Especially to people like me who have a recent bankruptcy and are trying to rebuild their credit. They know I am, so they are hoping that I will jump on their offer for credit with their $75 annual fee, $19.95 a month service fee, and a few hundred dollars for other fees before you even get the card. Once you do, you like $20 available credit. Lmao! No that desperate at allSmiley Wink

LOL... While there may be extenuating circumstances for some folks who have no alternative, sure.  But, as there are better options for the masses who are building/rebuilding, then FP or CO should be avoided.  Don't even save the cardboard CC that comes enclosed in the envelope Robot LOL

Established Member
Posts: 107
Registered: ‎12-12-2013
0

Re: Got CO an FP pre-approvals in mail. In the trash now:)


pizza1 wrote:
Thanks my journey!! Smiley Happy lol

Feather hat.....they are big sub prime lenders! They cater to the "bad" credit or no credit folks, and will usually approve 99% of all apps, lol!!! Especially to people like me who have a recent bankruptcy and are trying to rebuild their credit. They know I am, so they are hoping that I will jump on their offer for credit with their $75 annual fee, $19.95 a month service fee, and a few hundred dollars for other fees before you even get the card. Once you do, you like $20 available credit. Lmao! No that desperate at allSmiley Wink

lol i actually did some googling about them..

i can't believe how many FEES they can put loll

so many fees after fees lol..

Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
0

Re: Got CO an FP pre-approvals in mail. In the trash now:)

Feather hat.... I know!! Right?!! Oh and I forgot the best part.....36% interest!! Say what??!! Lmfaorofl!!!
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k

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