topic Re: CreditOne AE 5% / Synchrony MC 2% in Credit Card Approvals

CreditOne AE 5% / Synchrony MC 2%

Drifter73 — Sun, 10 Apr 2022 17:22:59 GMT

Since I was declined for the Amex BCP due to a 25+ year old account closure: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-apply-for-Amex-BCP-or-wait-2-more-months/td-p/6518523

I went with the CreditOne Amex with 5% gas, grocery, internet, and phone (1%everything else) - Aproved for $1k SL - pulled experian

I also apped for the Synchrony MC 2% everything and got the 7 day review message. Pulled experian and transunion.

Fingers crossed I get the 2% everything as well.

Data points below were updated today.

Re: CreditOne AE 5% / Synchrony MC 2%

CardHunter — Sun, 10 Apr 2022 19:02:27 GMT

@Drifter73 wrote:
Since I was declined for the Amex BCP due to a 25+ year old account closure: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-apply-for-Amex-BCP-or-wait-2-more-months/td-p/6518523

I went with the CreditOne Amex with 5% gas, grocery, internet, and phone (1%everything else) - Aproved for $1k SL - pulled experian

I also apped for the Synchrony MC 2% everything and got the 7 day review message. Pulled experian and transunion.

Fingers crossed I get the 2% everything as well.

Data points below were updated today.

Congrats on the CreditOne Amex & good luck on the Synchrony MC!

Re: CreditOne AE 5% / Synchrony MC 2%

CreditMagic7 — Sun, 10 Apr 2022 19:28:32 GMT

Congratulations on your newest approvals!

Re: CreditOne AE 5% / Synchrony MC 2%

cashorcharge — Sun, 10 Apr 2022 22:17:58 GMT

That's terrific!! Good luck on SYNC Congratulations on your CreditOne Approval!! 🎉🥂👏

Re: CreditOne AE 5% / Synchrony MC 2%

Elpadrino1 — Sun, 10 Apr 2022 22:27:45 GMT

Congratulations on your approval!!

Re: CreditOne AE 5% / Synchrony MC 2%

gdale6 — Sun, 10 Apr 2022 22:32:20 GMT

Grats on your Credit 1 approval and good luck on the Synch!!

Re: CreditOne AE 5% / Synchrony MC 2%

CreditCrusader — Sun, 10 Apr 2022 23:28:16 GMT

@Drifter73 wrote:
Since I was declined for the Amex BCP due to a 25+ year old account closure: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-apply-for-Amex-BCP-or-wait-2-more-months/td-p/6518523

I went with the CreditOne Amex with 5% gas, grocery, internet, and phone (1%everything else) - Aproved for $1k SL - pulled experian

Are you sure you were approved for their AMEX?

The Credit One card that gives 5% on gas, grocery, internet and cable is the Platinum X5 Visa...and while it does offer that 5%, it's only 5% of the first $5,000 of spend each year (1% after that)...and it comes with a $95 annual fee.

The Credit One AMEX has an AF of $39 and only earns 1% across the board (no limit).

I'd double check which Credit One card you were approved for...just to be safe on the details.

Re: CreditOne AE 5% / Synchrony MC 2%

babygirl1256 — Mon, 11 Apr 2022 03:25:51 GMT

Congrats on your CreditOne Amex approval . . . and . . . wishing you positive results on your Synchrony MC submission!!!

Re: CreditOne AE 5% / Synchrony MC 2%

everest — Mon, 11 Apr 2022 13:56:47 GMT

Congrats on your Credit One approval, and best wishes for Synch! 🎉

Re: CreditOne AE 5% / Synchrony MC 2%

bigseegar — Mon, 11 Apr 2022 14:30:36 GMT

@Drifter73 wrote:
Since I was declined for the Amex BCP due to a 25+ year old account closure: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-apply-for-Amex-BCP-or-wait-2-more-months/td-p/6518523

I went with the CreditOne Amex with 5% gas, grocery, internet, and phone (1%everything else) - Aproved for $1k SL - pulled experian

I also apped for the Synchrony MC 2% everything and got the 7 day review message. Pulled experian and transunion.

Fingers crossed I get the 2% everything as well.

Data points below were updated today.

The Credit One "AmEx" card doesn't have 5% on gas, groceries, internet and phone though. This card is strictly 1% on everything and has a $39 AF to boot. I know from you other post you were trying to get back in with AmEx (which this won't help) but it looks like you may have gotten this card confused with their X5 card.

Re: CreditOne AE 5% / Synchrony MC 2%

Mdowning30 — Tue, 12 Apr 2022 14:12:10 GMT

I have seen 2 versions of this card, one blue and one green. The Green is advertised on my Experian as $95 AF and 5% cash back on the first $5000.

Re: CreditOne AE 5% / Synchrony MC 2%

Drifter73 — Tue, 12 Apr 2022 16:56:58 GMT

@CreditCrusader wrote:
@Drifter73 wrote:
Since I was declined for the Amex BCP due to a 25+ year old account closure: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-apply-for-Amex-BCP-or-wait-2-more-months/td-p/6518523

I went with the CreditOne Amex with 5% gas, grocery, internet, and phone (1%everything else) - Aproved for $1k SL - pulled experian

Are you sure you were approved for their AMEX?

The Credit One card that gives 5% on gas, grocery, internet and cable is the Platinum X5 Visa...and while it does offer that 5%, it's only 5% of the first $5,000 of spend each year (1% after that)...and it comes with a $95 annual fee.

The Credit One AMEX has an AF of $39 and only earns 1% across the board (no limit).

I'd double check which Credit One card you were approved for...just to be safe on the details.

I'm sure, American Express referred me to the following offer after they declined me for one of their primary network cards: https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=KRAX_CS_05&C1BDescriptorID=AGQ6309L00&C1BSpecificationID=39573548896&AID=KRMA_100100&DF1=041

Experian and credit karma have also offered that creditone Amex to me.

At $5k per year at 5%cb it will mostly be a dedicated grocery and gas card. I'll use a 2%cb everything or a 1.5%cb everything after I hit the max annual qualifier.

Note: the Amex Bcp I was declined for had 6% on $6k per year with $95 af.

So the 5% on $5k per year with $95 af isn't too much of a difference.

Re: CreditOne AE 5% / Synchrony MC 2%

CreditAggie — Wed, 13 Apr 2022 15:58:36 GMT

Congratulations on your Credit One approval!

Re: CreditOne AE 5% / Synchrony MC 2%

Drifter73 — Wed, 20 Apr 2022 00:11:17 GMT

Update: The CreditOne AE 5% card has been mailed and should arrive any day now.

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The Synchrony 2% everything was declined.

Reasons:

Too many inquiries

Not enough high limits in file

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Off to the garden for 1 year this time around to let a bunch of HPs age past 12 months before I app again.