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LOL Credit One

Established Contributor

Re: LOL Credit One

I had a Credit One card while I was rebuilding.  At the time, it was acceptable as a bottom of the barrel card, since they gave free CLIs.  After the CARD Act passed, however, they started charging $19.95 per CLI to make up for the fact that they couldn't charge for online payments anymore.  (Of course, I avoided the online payment charge by paying-by-mail.)  I'm so glad those days are behind me.  Keep up the good work and, before you know it, you'll have this card in your rearview mirror as well.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 11 of 26
Valued Contributor

Re: LOL Credit One


injustifiiable wrote:

I love you guys already!

 

Not only do I get the card, I also get a statement with the annual fee already posted! It's since reported to CRAs...bastids...I wanted to pay you off so it'd report zero!

 

 

 


Make sure you check your bill monthly otherwise they might charge for some stupid crap.....Its a Cap one + Credit one = Crappie One........They probably brother and sister......

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 12 of 26
Valued Contributor

Re: LOL Credit One

if you do a little research you will actually find that credit one is owned by a collection agency... it's one of my first credit cards, i called to cancel it last week and they waived the annual fee for a year... i guess i'll keep it to have the extra 1200 in available credit

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 13 of 26
Valued Contributor

Re: LOL Credit One


ryanbush wrote:

if you do a little research you will actually find that credit one is owned by a collection agency... it's one of my first credit cards, i called to cancel it last week and they waived the annual fee for a year... i guess i'll keep it to have the extra 1200 in available credit


interesting what collection you talking about ?

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 14 of 26
Valued Contributor

Re: LOL Credit One

Sherman Financial Group, LLC.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 15 of 26
Established Contributor

Re: LOL Credit One

I wasn't pre-approved on theit website until recently, luckily got approved at NFCU and came to my senses before I took it lol

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 16 of 26
New Contributor

Re: LOL Credit One

Well Scott, I agree. But if someone is sending me something from what looks like one of my banks, (let's say 5/3, but they use 5/2 and look a lot like 5/3) you can bet they are trying to profit off of the other companie's success. There have been big law suits (won) from that kind of behaviour.

Message 17 of 26
Frequent Contributor

Re: LOL Credit One

I am very interested in how you have such high credit limits on CC's. I started with scores way higher and my CL's are 400, 300, 250 : /

 

Good job. Can you give me some advice ha


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 18 of 26
Frequent Contributor

Re: LOL Credit One

@ Razeus


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 19 of 26
Senior Contributor

Re: LOL Credit One

There logo looks so similar to Capital 1

Message 20 of 26