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Just closed credit one bank feedllliiinnn good

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brianjb
Contributor

Re: Just closed credit one bank feedllliiinnn good

@nyitee

 

My wife and I just closed our Credit One over the phone.  We didn't have any problems.

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+
Message 11 of 17
azguy13
Senior Contributor

Re: Just closed credit one bank feedllliiinnn good

Congrats! 

Message 12 of 17
SunriseEarth
Moderator Emeritus

Re: Just closed credit one bank feedllliiinnn good


@creditwatcher2012 wrote:

Goodbye credit one!



Congrats!   I'm paying them off and closing them once I can!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 13 of 17
SunriseEarth
Moderator Emeritus

Re: Just closed credit one bank feedllliiinnn good


@roniram wrote:
I'm right behind you. I'll be right behind you in closing my Credit One account in the next few days. Funny I just received an email from them about 1percent gas rewards. HA! They eat that up in fees.

Yeah...just posted a thread about that..   :rollseyes:

 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 14 of 17
ForMyBiz
Frequent Contributor

Re: Just closed credit one bank feedllliiinnn good

The thing about these guys is that they aren't even a good sock drawer card because of their monthly fees.  I owe them a small balance and intend to keep them for the remainder of my gardening period, but I really want to be done with them.  They just seem like a headache, even for a subprime.  I get that they have to make up for likely higher than average losses, but they really get you coming and going.  Definitely not a fan of these guys.

Message 15 of 17
SunriseEarth
Moderator Emeritus

Re: Just closed credit one bank feedllliiinnn good


@ForMyBiz wrote:

The thing about these guys is that they aren't even a good sock drawer card because of their monthly fees.  I owe them a small balance and intend to keep them for the remainder of my gardening period, but I really want to be done with them.  They just seem like a headache, even for a subprime.  I get that they have to make up for likely higher than average losses, but they really get you coming and going.  Definitely not a fan of these guys.


I'd recommend Merrick Bank as a rebuilder 1000x over Credit One.   Credit One's motto should be "Well, at least we're not First Premier"



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 16 of 17
ForMyBiz
Frequent Contributor

Re: Just closed credit one bank feedllliiinnn good


@SunriseEarth wrote:

@ForMyBiz wrote:

The thing about these guys is that they aren't even a good sock drawer card because of their monthly fees.  I owe them a small balance and intend to keep them for the remainder of my gardening period, but I really want to be done with them.  They just seem like a headache, even for a subprime.  I get that they have to make up for likely higher than average losses, but they really get you coming and going.  Definitely not a fan of these guys.


I'd recommend Merrick Bank as a rebuilder 1000x over Credit One.   Credit One's motto should be "Well, at least we're not First Premier"


 No kidding.  

Message 17 of 17
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