Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: credit one credit card

lithium78 wrote:

I had a Credit One card while I was rebuilding and, to be honest, it wasn't really worth it.  The monthly fees, plus no grace period, plus having to pay for CLIs just make the card much more expensive than it really should be.  You are better off sticking with a Capital One card or Orchard Bank.  I was really happy on the day I closed Credit One and cut that card up.

So was I!! Extremely happy!!! :smileyhappy:


Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 125
Registered: ‎08-28-2011

Re: credit one credit card

i applied and got mines no less then a week later must have had to do more research and verification on you to get you your card there not to bad i have had mines 11 months now and no problems.


gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
New Member
Posts: 1
Registered: ‎07-15-2013

Re: credit one credit card

I applied for this card on July 4th.  I was instantly approved online.  Recieved card in mail today 7/15/13.  Quick and easy.  Low CL.  Curious to see if they really apply CLI as easily as other's have posted.  Let you know when I get my first CLI.

New Contributor
Posts: 52
Registered: ‎06-14-2012

Re: credit one credit card

I got this card a year ago, 6 months after my bk was discharged. Started with 500 CL and just got a 250 increase which cost me 14.95. I am planning on keeping the card one more year and then closing. I just got approved for nfcu cashrewards for 2500, hoping to get it up to 7500 within the year. The card has helped me rebuild but it will have it's time.

Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

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Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
New Member
Posts: 1
Registered: ‎08-02-2013

Re: credit one credit card

Posts: 22,520
Registered: ‎09-13-2012

Re: credit one credit card


Welcome to the forum! If you are having problems posting, please PM I'll be happy to help. In the meantime, you might want to start a new thread - as this thread is old and you may want members to address your issues/questions.
Posts: 22,520
Registered: ‎09-13-2012

Re: credit one credit card

Posts: 82
Registered: ‎04-09-2010

Re: credit one credit card

[ Edited ]

i had the card prob 4-5 years -  started @ 400 and when i canceled i was at 1650.00 - all Auto CLI - just had to pay some fee if i remember correctly like 20 bucks.

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