@CreditDunce wrote:
@Firehorse wrote:The sound you just heard was Credit One's head bouncing against the curb.
Tried to offer me a lower APR at 18%, then tried to add 20% off the AF for six months. And then went into this LOOooooong spiel about how their card is helping me fix my credit and that I will have problems without them. Clearly they haven't looked at my CR lately. LOL!
The only thing that makes me sad about closing it is that I had a picture of my little dog on it.
I think you are ready for Cap1. They let you customize your credit card picture, too. They are certainly a step up from Credit1. Or you can just skip them. You already have Barclay/Amex. Still if you still want your pupy dog on your credit card...
Cute dog!!!
I have mine on the American Kennel Club Visa. It's my favorite card.
@B335is wrote:
@CreditDunce wrote:
@Firehorse wrote:The sound you just heard was Credit One's head bouncing against the curb.
Tried to offer me a lower APR at 18%, then tried to add 20% off the AF for six months. And then went into this LOOooooong spiel about how their card is helping me fix my credit and that I will have problems without them. Clearly they haven't looked at my CR lately. LOL!
The only thing that makes me sad about closing it is that I had a picture of my little dog on it.
I think you are ready for Cap1. They let you customize your credit card picture, too. They are certainly a step up from Credit1. Or you can just skip them. You already have Barclay/Amex. Still if you still want your pupy dog on your credit card...
Cute dog!!!
I have mine on the American Kennel Club Visa. It's my favorite card.
Yep, that is why CCC's let you use your own pictures. CC's with pictures of kids, grand kids or pets get used more. Means more profits for the CCC's.
@Jlu wrote:I just tried the pre-approval thing on the CreditOne website - I was denied instantly. They pulled an EX score of 745, which was kind of a cool way to get a free score. I know I must be doing something right - haven't seen a CO or FirstPremier offer in my mailbox for a few months.
you can also get free credit reports from their denial i think.
@CreditDunce wrote:
@B335is wrote:
@CreditDunce wrote:
@Firehorse wrote:The sound you just heard was Credit One's head bouncing against the curb.
Tried to offer me a lower APR at 18%, then tried to add 20% off the AF for six months. And then went into this LOOooooong spiel about how their card is helping me fix my credit and that I will have problems without them. Clearly they haven't looked at my CR lately. LOL!
The only thing that makes me sad about closing it is that I had a picture of my little dog on it.
I think you are ready for Cap1. They let you customize your credit card picture, too. They are certainly a step up from Credit1. Or you can just skip them. You already have Barclay/Amex. Still if you still want your pupy dog on your credit card...
Cute dog!!!
I have mine on the American Kennel Club Visa. It's my favorite card.
Yep, that is why CCC's let you use your own pictures. CC's with pictures of kids, grand kids or pets get used more. Means more profits for the CCC's.
Let me re-phrase that: Favorite card to look at, I only swiped it two times 
Just got my denial for Credit One... Thanks CreditOne for my FICO score of 735.. Gonna go pull EQ now too =)
@Anonymous wrote:I tried prequal with them on their site and am apparently blacklisted. (5yo C/O)
I had this experience earlier in the year as well. The only positive about messing things up in my past when I did was I didn't have any Prime lenders so no bad relationships with anyone that truly mattered in the credit world.
I still can't wait to find out what my Scores will be like once all my baddies are gone. I have gotten a EQ 04 as high as 688 and EQ08 as high as 672. This is with 1 collection, 3 charge off's, 1 paid tax lien, 1 paid judgement. I am guessing as long as no new negative items pop up a score well into the 700's I think should be mid to early 2017.
I can't wait.