Reply
Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

New Pre-approved Credit One

Who are they? Is this one of those subprime companies? Warming up the shredder!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Super Contributor
Posts: 5,760
Registered: ‎12-11-2011
0

Re: New Pre-approved Credit One


MountainHiker wrote:

Who are they? Is this one of those subprime companies? Warming up the shredder!


Yes it is...and that is exactly what I would do as well. 

;
New Contributor
Posts: 70
Registered: ‎11-15-2012
0

Re: New Pre-approved Credit One

Yes they are subprime. The annual fee is probably ridiculously high.

Cards: AMEX BCE (2k), Barclay Arrival Mastercard (4.3K), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne Quicksilver (750)

Current Scores- Experian- 695, Equifax- 689, Transunion-680

Goal- 720 Across the Board
Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: New Pre-approved Credit One

I had a feeling. so funny I keep getting these kind of offers.I see how people can get trapped by companies like them. They are relentless.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: New Pre-approved Credit One

With your posted scores, you don't need them.  Feed the shredder!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,171
Registered: ‎05-17-2010
0

Re: New Pre-approved Credit One

Subprime with something like a $75-$100 AF.  Avoid!

FICO Scores Updated 06/15 EQ08 754 EX08 751 TU08 836
Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: New Pre-approved Credit One

Who knew my shredder would turn out to be such a good investment.


Shogun wrote:

With your posted scores, you don't need them.  Feed the shredder!


 

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Contributor
Posts: 95
Registered: ‎02-26-2012
0

Re: New Pre-approved Credit One

LoL its like an insult when they send you these offers knowing your scores are in the High 600s on up... Ugh!!



Regular Contributor
Posts: 369
Registered: ‎02-01-2010
0

Re: New Pre-approved Credit One

Sub-subprime!Smiley Very Happy Shredder may even refuse it!

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Highlighted
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: New Pre-approved Credit One

Yea....I wouldn't get them with your scores.  At the time I got them I was in the beginning rebuilding stages.  AF was like $75 bucks and I don't know what the interest rate is...don't really care as I PIF.  When renewal times comes up I will be closing them out.

 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.