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anyone Have a CREDIT ONE CC

Established Contributor

anyone Have a CREDIT ONE CC

are they any good?
 
how are they on CLI?
 
Customer service?
 
I am approved for $300, any feedback?
Message 1 of 11
10 REPLIES
Regular Contributor

Re: anyone Have a CREDIT ONE CC

I have a Credit One CC that is 6 months old.
My Limit is 600 right now and going to go fo a CLI this week.
 
They automatically raised my CL from 400 to 600 after the 2nd month. They also check very regularly for CLI's.
 
It's a good starter card if you don't mind the annual fee.
I'm looking for something better at the moment,..but they helped me get to where my score is @ today.
 
My score was in the 500's when I got their card.
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 2 of 11
Established Contributor

Re: anyone Have a CREDIT ONE CC

ok thanks, i recieved the card today, after they told me online application I was denied.
 
so thats good that they do CLI so regularly.  i dont mind the annual fee, however i noticed their online website is kinda hokey and chage $5.95 to make a payment...
 
thanks
Message 3 of 11
Regular Contributor

Re: anyone Have a CREDIT ONE CC

correct...that is a downside if you like online payments
i've done it once when i wanted to pay my whole balance off without sending a check..
and the 5.95 goes on your card just in case if you were wondering
 
household and orchard bank have free online payments, but less of CLI's
my household is @ 310 CL
whoa,..they gave me a $10 cli...Smiley Very Happy
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 4 of 11
Established Contributor

Re: anyone Have a CREDIT ONE CC

they suck!  a secured card is much better than these jokers, imo.  annual fee spread across each monthly statement, so you always have a balance.  fee for cli's.  5.95 to pay bill online.  i am only keeping them around until i hit about 750 and then they are history.  have had them for three years and i just had to beg them for a cli....they gave me 100 dollars, i told them to shove it if there is a fee.  so they shoved it.


Message Edited by dog on 06-22-2007 06:42 PM
Message 5 of 11
Regular Contributor

Re: anyone Have a CREDIT ONE CC



dog wrote:
they suck!  a secured card is much better than these jokers, imo.  annual fee spread across each monthly statement, so you always have a balance.  fee for cli's.  5.95 to pay bill online.  i am only keeping them around until i hit about 750 and then they are history.  have had them for three years and i just had to beg them for a cli....they gave me 100 dollars, i told them to shove it if there is a fee.  so they shoved it.


Message Edited by dog on 06-22-2007 06:42 PM


i was never charged a fee for my CLI
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 6 of 11
Established Contributor

Re: anyone Have a CREDIT ONE CC

they wanted 10 bucks from me for 100 cli...did you request a cli or was it an auto cli? that may be the diff.

Message 7 of 11
Regular Contributor

Re: anyone Have a CREDIT ONE CC

that is probably why...they auto'd me
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 8 of 11
Established Contributor

Re: anyone Have a CREDIT ONE CC

when you request a cli does it trigger a  inq hard pull?
9/18/08 TU=707 EQ=706 EX=702
Message 9 of 11
Established Contributor

Re: anyone Have a CREDIT ONE CC

didnt with me on this request with credit one bank.


Message Edited by dog on 06-22-2007 11:02 PM
Message 10 of 11