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New Pre-approved Credit One

Established Contributor

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
9 REPLIES
Super Contributor

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

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

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 Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: New Pre-approved Credit One

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

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Established Contributor

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

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!!



Frequent Contributor

Re: New Pre-approved Credit One

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

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Valued Contributor

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