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Laughing at Credit One

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Firehorse
Frequent Contributor

Laughing at Credit One

So I called in to close my account but the office was closed. So for kicks, I wanted to see if they would try and charge me for a CLI or how much they would give me.

 

"Thank you for your interest in a CLI with Credit One Bank, your request has been DENIED!"  'Scuse me?

 

Monday their head is gonna be hitting the curb SO HARD. LOL Smiley Happy

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 1 of 27
26 REPLIES 26
Anonymous
Not applicable

Re: Laughing at Credit One

I tried prequal with them on their site and am apparently blacklisted. (5yo C/O)

 

Smiley Happy

Message 2 of 27
mongstradamus
Super Contributor

Re: Laughing at Credit One


@Anonymous wrote:

I tried prequal with them on their site and am apparently blacklisted. (5yo C/O)

 

Smiley Happy


I tried few months ago i got denied and got 770 fico score from them ::-)



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 27
Firehorse
Frequent Contributor

Re: Laughing at Credit One

Your credit is too good for them. LOL! Smiley Happy

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 4 of 27
dallasjetfan
Established Contributor

Re: Laughing at Credit One

I still get apps from them even though I have all the prime cards.  I just laugh because I would not have even gone with them the day after my BK.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 5 of 27
chalupaman
Super Contributor

Re: Laughing at Credit One

Credit One is Credit Dumb IMO. Last time I checked, I was still prequalified for their cards. Ugh.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 27
Ghoshida
Valued Contributor

Re: Laughing at Credit One

They're offering free credit scores every month and a whopping 1% cashback on gas. How could I say no?

 

Erm.. their pre-app letter... somebody dropped it in the shredder ! 

Message 7 of 27
Anonymous
Not applicable

Re: Laughing at Credit One


@Ghoshida wrote:

They're offering free credit scores every month and a whopping 1% cashback on gas. How could I say no?

 

Erm.. their pre-app letter... somebody dropped it in the shredder ! 


you must have an awesome credit, because i only get regular platinum with annual fee offer.

Message 8 of 27
Ghoshida
Valued Contributor

Re: Laughing at Credit One


@Anonymous wrote:

@Ghoshida wrote:

They're offering free credit scores every month and a whopping 1% cashback on gas. How could I say no?

 

Erm.. their pre-app letter... somebody dropped it in the shredder ! 


you must have an awesome credit, because i only get regular platinum with annual fee offer.


Oh in my last round of being opted in, I used to get the same. I'm pretty sure it's still the same offer, but in a much nicer packaging. I was surprised to see all the fine finish, the font color and all. They even allowed change of card image for a fee (why not? marginal utility etc.)

 

I feel sorry for them. By now, they'd have spent at least $10 over all those pre-app mailers they sent me, and I gave them nothing back. The least I could do is to come and say in this forum how great their packaging looks like Smiley Very Happy

 

About the awesome credit part, I wish I were one of those members who could boldly pull the trigger on the Credit One pre-app site, got their awesome 750+ scores, and were proud to be denied credit by them. One day...

Message 9 of 27
Firehorse
Frequent Contributor

Re: Laughing at Credit One

Don't you worry about poor old Credit One. They make all their money off of fees and APR. LOL Smiley Happy

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Message 10 of 27
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