topic Re: Credit One or First Premier pre approval? in Credit Cards

Credit One or First Premier pre approval?

celticslegends — Fri, 20 Mar 2015 21:35:03 GMT

I have recently been pre-approved for a First Premier CC with a $700 limit. I wanted a 3rd card, but was denied by Barclays. I already have 2 Capital One cards and a credit union card.

Should I accept the First Premier card, or go for the Credit One that I have been pre-approved for?

Any advice on which one is better?

Re: Credit One or First Premier pre approval?

Countingpennies — Fri, 20 Mar 2015 21:51:29 GMT

Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.

Re: Credit One or First Premier pre approval?

Anonymous — Fri, 20 Mar 2015 21:53:25 GMT

Not just No, but HELL to the no!

You're better off with a secured card (say bank of America) or a Synchrony store card like Walmart or Amazon to help re-establish. I have had credit one in the past, and recently canceled because of their dealings.

Credit One is also run by a collections company if that tells you anything.

Re: Credit One or First Premier pre approval?

phillyguy12 — Fri, 20 Mar 2015 21:54:55 GMT

Neither they are both pretty bad w. Fees. But if you had a gun to my head to choose between them i would go credit on. I thought they were the lesser of the 2 evils when i was there. Just know neither of those cards are keepers. Use them to rebuild but ditch eem as soon as you can

Re: Credit One or First Premier pre approval?

celticslegends — Fri, 20 Mar 2015 21:55:04 GMT

@Countingpennies wrote:
Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.

I have 2 cap 1 cards and then my credit union card. I have read that Credit One has been beneficial to many people. As long as I am responsible with it.

Re: Credit One or First Premier pre approval?

Countingpennies — Fri, 20 Mar 2015 21:59:59 GMT

Only beneficial for someone who can't get anything else. You have 3 decent cards, you don't need Credit One.

Re: Credit One or First Premier pre approval?

Anonymous — Fri, 20 Mar 2015 22:00:02 GMT

@celticslegends wrote:
@Countingpennies wrote:
Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.
I have 2 cap 1 cards and then my credit union card. I have read that Credit One has been beneficial to many people. As long as I am responsible with it.

The only many people they're beneficial to is the owners of the company. Stay far away from these scum.

You have 3 cards which is enough to build a solid file.

Re: Credit One or First Premier pre approval?

celticslegends — Fri, 20 Mar 2015 22:01:45 GMT

@Countingpennies wrote:
Only beneficial for someone who can't get anything else. You have 3 decent cards, you don't need Credit One.

Got it. Thanks for the advice.

Re: Credit One or First Premier pre approval?

CYBERSAM — Fri, 20 Mar 2015 23:55:01 GMT

I have them both, about 2 months ago!

I had too do to my past baddies, First Premier reported in 2 weeks but still noting from CreditOne!

However I got 3K from Capital One this month thanks to First Premier reporting.

Credit One was waste of money given I didn't need them to get Cap one.

Both of these cards are good for ppl that have no other credit, is best to cancel them after a year.

Re: Credit One or First Premier pre approval?

Anonymous — Fri, 20 Mar 2015 23:59:12 GMT

No. Just, no. These are both awful cards that are worse than the cards that you have, especially the Credit One card. You have two decent cards. I would use the two Capone cards for six months to a year, then try to get some unsecured cards.

Re: Credit One or First Premier pre approval?

Anonymous — Sat, 21 Mar 2015 00:03:49 GMT

here's what you need to with credit one pre-aproval letters. you can choose whichever you like.

1. shred it.

2. burn it.

3. feed it to neighbor's dog.

4. use it as emergency toilet paper, when there's none.

5. fold it neatly and use it as a beverage coaster.

6. fold it twice, and voila! you have a puke bag for those days when you drank too much.

Re: Credit One or First Premier pre approval?

Shogun — Sat, 21 Mar 2015 00:09:45 GMT

@Anonymous wrote:
here's what you need to with credit one pre-aproval letters. you can choose whichever you like.

1. shred it.
2. burn it.
3. feed it to neighbor's dog.
4. use it as emergency toilet paper, when there's none.
5. fold it neatly and use it as a beverage coaster.
6. fold it twice, and voila! you have a puke bag for those days when you drank too much.

There are many other things that can be listed, RedMiniStapler has excluded those because it is a family oriented site. But in truth, if you don't need them, don't get them. Just garden what you have.

Re: Credit One or First Premier pre approval?

Anonymous — Sat, 21 Mar 2015 00:11:29 GMT

@Shogun wrote:
@Anonymous wrote:
here's what you need to with credit one pre-aproval letters. you can choose whichever you like.

1. shred it.
2. burn it.
3. feed it to neighbor's dog.
4. use it as emergency toilet paper, when there's none.
5. fold it neatly and use it as a beverage coaster.
6. fold it twice, and voila! you have a puke bag for those days when you drank too much.
There are many other things that can be listed, RedMiniStapler has excluded those because it is a family oriented site. But in truth, if you don't need them, don't get them. Just garden what you have.

oh totally, because I "always" censor myself. can't be myself and write naughty things on a family oriented site.

Re: Credit One or First Premier pre approval?

Anonymous — Sat, 21 Mar 2015 02:57:56 GMT

My reaction when someone mentions Credit One and First Premier.

Re: Credit One or First Premier pre approval?

Anonymous — Sat, 21 Mar 2015 04:14:17 GMT

I have First Premier. Don't. Just don't.

Re: Credit One or First Premier pre approval?

celticslegends — Sat, 21 Mar 2015 04:15:55 GMT

@Anonymous wrote:
I have First Premier. Don't. Just don't.

Why don't you get rid of them then?

Re: Credit One or First Premier pre approval?

Anonymous — Sat, 21 Mar 2015 04:30:17 GMT

Not to beat a dead horse, but First Premier and Credit One are parasitic, usurious, disreputable lenders.

Actually, FP and CO would beat a dead horse...as well as a live one...also, kittens, orphans and infants. They are the antithesis to everything that is good not only in the world of credit cards, but also in the world itself. If FP and CO were in gym class, they would be picked last, after the blind, asthmatic kid with the crutches.

Get the picture?