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@Aduke1122 wrote:https://gyazo.com/880673cd20aefe52cd078ab8e70f4937
https://gyazo.com/8b9a3c697cc58926c81c33070d2a2614
Here's the link, i couldn't figure out how to post the picture,
First link didn't work, but the other one, it must be a typo.
@MrsCHX wrote:
The disclosure included should have everything listed.
I would do the Cap One prequal first to see if Platinum or QS1 is an option before credit one.
I never had them but I had First Premier back in the day. A $250 initial limit would have a $95 program fee, $48 annual fee, $29 set up fee...and you end up maxed out owing all this money to start.
Even a Cap One or BOA secured is a better option!!!
I second this suggestion! I apped for CreditOne because I thought I needed to, then a few weeks later got approved for CapOne. Definitley wish I had tried CapOne first...
I have credit one and dont like it. I cold apped because I needed to add credit cards to rebuild my credit. I got 300 SL. My annual fee is 75 so my available credit was 225. I dont get a monthly fee. I requested a CLI about a month ago and was denied. They said that it was because I haven't been with them for a year. However I got an automatic CLI of only 150 about two weeks ago. You do earn cash back with purchases but i dont know the details (i didnt pay attention to that part). I hardly ever use it. oh one mre thing you get a FAKO credit score each month but the first time it takes three monthly payments for it to report. I'm closing them in August. I dont think they are worth the annual fee and my credit scores improved. Used to be high 500s now mid to high 600s.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Capital One is a better choice. They should have subprime cards with no AF. I didn't have a single credit card last year and I had poor credit but I was approved for 2 subprime Capital One cards, but they are both now Quicksilver and Quicksilver One from product changes.
Yeah you read it right I just didnt believe a company would screw up something so easy (Since im sure most of its automated)
To see the first, copy and paste the URL into the browser and delete the space at the end of it. (For some reason its counting the space as part of the URL so when its gone, it works)
Woo thats weird!
Some searcing and this has happen before, not exact but similar. 24.95 AF and their initial limit would be 75 dollars. I think CreditOne just goofed up.
It also seems quite a few people who got the offer of 24.95 got charged more and had to call in to have it fixed.
The other threads were debating on getting the card or not, none did that I read so there was no follow up.
(The ones with the starting limits being way off from what they should be)
Id just call them and ask, im guessing its a typo. If its not atleast you could update us with their crazy explination.
They are good for a starter if you have no other cards, in 6 months a thin file should go away and youd have a credit report to get other cards.
If this is an addition and you already have other credit cards, waiting would be good. (for cards with not normal fees or AFs)