topic Re: Credit One CB AMEX.... approved! in Credit Card Approvals

Credit One CB AMEX.... approved!

acercode — Sat, 05 Nov 2022 09:20:04 GMT

1% CB

$39 AF

$500 CL

I don't know why I keep applying when I got over 10 CCs in the past 6 months. I think I need to join CC Anonymous. I did apply for this card 6 months ago and got denied so I guess I was thrilled when I got pre-approved and couldn't resist. Does anyone know if I don't use it, it will still help build my credit but not be charged the AF?

Re: Credit One CB AMEX.... approved!

Aeon — Sat, 05 Nov 2022 10:12:44 GMT

@acercode wrote:
Does anyone know if I don't use it, it will still help build my credit but not be charged the AF?

I don't have this card, but AFs are usually charged during the first billing cycle.

HTH.

Re: Credit One CB AMEX.... approved!

Jnbmom — Sat, 05 Nov 2022 10:48:35 GMT

@acercode wrote:
1% CB
$39 AF
$500 CL

I don't know why I keep applying when I got over 10 CCs in the past 6 months. I think I need to join CC Anonymous. I did apply for this card 6 months ago and got denied so I guess I was thrilled when I got pre-approved and couldn't resist. Does anyone know if I don't use it, it will still help build my credit but not be charged the AF?

You will still pay the annual fee whether you use it or not and if you don't plan on using you may want to consider not applying for a card you have no use for .

You said you opened 10 cards in 6 months ? Are you rebuilding ? You don't need that many and that's a lot in such a short time frame .

Re: Credit One CB AMEX.... approved!

Jeffster1 — Sat, 05 Nov 2022 11:05:50 GMT

Keep a close eye on Credit One. To answer your question, this predatory company will charge you the AF regardless, and will even try to charge you fhe fee if you were to close the card. Lots of stories on here about Credit One. Always sleep with one eye open if you have a card with them.

Re: Credit One CB AMEX.... approved!

KingRue8500 — Sat, 05 Nov 2022 22:56:17 GMT

Congrats on your Credit One Cash Back AMEX approval

Re: Credit One CB AMEX.... approved!

cashorcharge — Sat, 05 Nov 2022 23:56:24 GMT

WooHoo!! Congratulations on your CreditOne Approval!!👏🏼🍾🥂

Re: Credit One CB AMEX.... approved!

Pway — Sun, 06 Nov 2022 00:34:31 GMT

Congrats on the approval. I have the card and even if you don't use the card you will still have to pay the annual fee. I just want to add to please take your time with your credit rebuild, 10 cards in the last 6 month is a lot.

Re: Credit One CB AMEX.... approved!

CreditAggie — Sun, 06 Nov 2022 21:44:08 GMT

Congratulations on your Credit One Amex approval!

Re: Credit One CB AMEX.... approved!

acercode — Wed, 26 Jul 2023 17:09:17 GMT

@acercode wrote:
1% CB
$39 AF
$500 CL

I haven't received a single cent in CB. Is this a scam? They did raise my CL.

Re: Credit One CB AMEX.... approved!

sznthescore — Wed, 26 Jul 2023 18:45:19 GMT

@acercode wrote:
@acercode wrote:
1% CB
$39 AF
$500 CL

I haven't received a single cent in CB. Is this a scam? They did raise my CL.

To my knowledge if I recall correctly... they don't show earning activities and CB is applied as a statement credit.

Re: Credit One CB AMEX.... approved!

CreditMagic7 — Wed, 26 Jul 2023 20:34:55 GMT

Congratulations on your Credit One Cash Back AMEX approval

Re: Credit One CB AMEX.... approved!

NoMoreDebt — Sat, 29 Jul 2023 19:49:00 GMT

Congrats on the approval

Re: Credit One CB AMEX.... approved!

CYBERSAM — Sun, 30 Jul 2023 03:52:11 GMT

@acercode wrote:
1% CB
$39 AF
$500 CL

I don't know why I keep applying when I got over 10 CCs in the past 6 months. I think I need to join CC Anonymous. I did apply for this card 6 months ago and got denied so I guess I was thrilled when I got pre-approved and couldn't resist. Does anyone know if I don't use it, it will still help build my credit but not be charged the AF?

"10 CCs in the past 6 months." And you went with Credit One?? Why?

I get your looking for nice card with good rewards and decent CL, but the way your doing it is the opposite way!

I'm not going to congratulate you on a crappy card that has a horrible reputation as a bank and then read about your next post why you keep getting denials!

Stop apping for trash cards and garden for few months.

IF you garden for 1 year, guarantee you going to have better card then everything else you got so far.

I'm not trying to be negative at all. Your goal is to have a better card, better limit and better score! So keep the eye on the bigger picture and stop going after these predatory lending banks that you'll be closing as soon as you realise what they are.

Good luck. ❤️

Re: Credit One CB AMEX.... approved!

Beefy1212 — Mon, 31 Jul 2023 13:50:26 GMT

@CYBERSAM I usually defend Credit One when these post come up, because I don't feel like they are a particularlly egregious example of a sub prime lender, I have never had an issue with my no AF amex from them in 2 years. What I have said pretty consistently is the people that end up having problems with them, or get bad cards from them, likely deserve the card they get and the problems they have are likely self inflicted...

Reading OPs messeges I feel like they likely have the card they deserve...

They literally offer this exact card with no AF to people with no fico score, I know because I have it.
https://www.creditkarma.com/creditcard/CCCreditOneBank10?recommendationId=w8z9kojeddg1ok5qs0lf