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credit one pre approval?

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Tons_of_Debt
Established Contributor

Re: credit one pre approval?

600s? :-(  No good for me.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 11 of 18
Anonymous
Not applicable

Re: credit one pre approval?

I just got approved with the scores in my signature. The line was only $200 but at this time I have extensive baddies on my cr's although no lates in the past year.
Message 12 of 18
tray
Valued Contributor

Re: credit one pre approval?

Hi, just watch out I had several pre-approval offers for credit-one coming to my house as I am also through the rebuilding phase.  I waited for a while because i was hesitant but when I finally applied I was DENIED and my scores were in the low 600's at the time.  So to say pre-approvals are not always approvals.  It was a wasted inquiry but better for me not obtaining a high fee credit card.  Good Luck if you really want this card.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 13 of 18
ficonovice
Frequent Contributor

Re: credit one pre approval?

Pre-Approvals never mean guaranteed approval, but in my opinion, Credit One is a fairly easy approval and a very good rebuilder card. I had them for years with no complaints. Generally speaking, scores in the low 600's should get approval from them and they'll grow with you (at least a little bit).
Rust never sleeps and neither does my fico score...
Message 14 of 18
jdp1
Valued Member

Re: credit one pre approval?

Yeah i'm not too fond of the rate, and not fond of the fees ($69 annual, $69 activation) but when you've gotten declined by every other "easy approval" card you kinda take what you can get.  I'm gonna call today, I think, and see what they can do.  Wish me luck!
Starting score: EQ08 - 590 (08/14)
Current Scores(11/14):
EQ08 - 662 : DCU - 656
TU08 - 656 : CK - 655
EX08 - 636 : CS - 674

$500 Cap1 : $500 Cap1 QS

Goal: 720 by 4/15
Message 15 of 18
jaysdad2k
Frequent Contributor

Re: credit one pre approval?

They were my second rebuilder in 12/06. Started at $250. Auto CLI to $450 after a few months. Called later and got $550 with no charge.
 
I've posted about whether to drop them. I have this hangup about having two full years of payment history first.
 
I called them up last month to ask for waiver of fee, or at least a way to pre-pay the fee. The auto message said press # for a credit line increase. OK. <push>. Congratulations, you now have $650!
 
Aww nuts! I'll just stay. So I hung up after that message.
 
I still mail the $5.75 from the Post Office the day I get the bill.
 
 
 
 
 
"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Message 16 of 18
Anonymous
Not applicable

Re: credit one pre approval?



jdp1 wrote:
So I got a pre-approval letter in the mail from credit-one.  I am tryin to rebuild, only have one open secured CC (CL $200) and have been turned down for every cc i've applied.  How often are "pre-approvals" actually approvals?  If I do "accept" the card and they deny it, is it easier to get pushed through the ranks than a normal app?  I've recently decided credit is the devil.  THE DEVIL I SAY!


credit one is a good sub-prime credit card. With your score they will approve you.
Message 17 of 18
guiness56
Epic Contributor

Re: credit one pre approval?

Pre-approval does not mean you will get final approval. If you read the fine print it will tell you the same thing. I try not to apply for things I know I can not get. Right now sub-prime is my only option. Some are better than others but, still sub-prime.
Message 18 of 18
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