topic Re: Sure, if I'm ever beyond desperate. in Credit Cards

Sure, if I'm ever beyond desperate.

DeeBee78 — Tue, 12 May 2015 02:03:53 GMT

Got an email from CreditOne today.

Edit: Removed picture. The blur tool didn't get my name masked properly. It was a "we want you back" email.

Re: Sure, if I'm ever beyond desperate.

Anonymous — Mon, 11 May 2015 20:49:46 GMT

I hope you jumped right on that, lol!!!!

Re: Sure, if I'm ever beyond desperate.

Pway — Tue, 12 May 2015 02:45:48 GMT

@DeeBee78 wrote:
Got an email from CreditOne today.

lol

Re: Sure, if I'm ever beyond desperate.

Anonymous — Mon, 11 May 2015 22:40:04 GMT

I thought my credit was bad enough I had to start rebuilding with Credit One. Applied and was approved for $400. But then for some reason I decided to just try for something better and got a Chase Amazon Visa 3k. I quickly called Credit One and cancelled. So happy I didn't have to deal with them while rebuilding.

Re: Sure, if I'm ever beyond desperate.

Anonymous — Mon, 11 May 2015 22:56:09 GMT

Congrats !! I have the Credit One card with $400.00 CL. I opened it as my first unsecured CC. Wished I hadn't. Their fees and no 30 day interest free purchasing are a joke. The only good thing about them is they do report to all 3 CA's and their website is easy to navigate. It's incredible how they charge almost $10.00 to make an "expedited payment" and if you use their free payment system using your checking account it takes about a week until the money is available. Worse yet, they only allow like 3 free online payments a month. The only thing I use this card for is my Netflix $7.99 monthly payment. As soon as it hits, I instantly pay it off.
I truly feel sorry for anyone who must rely on using this card as their only source. It's basically legal loan sharking.

Re: Sure, if I'm ever beyond desperate.

Girac — Mon, 11 May 2015 23:30:08 GMT

Where's the love Credit One? I closed my card a few months ago and havent received that offer. I feel hurt.

Re: Sure, if I'm ever beyond desperate.

Anonymous — Mon, 11 May 2015 23:55:36 GMT

@Anonymous wrote:
Congrats !! I have the Credit One card with $400.00 CL. I opened it as my first unsecured CC. Wished I hadn't. Their fees and no 30 day interest free purchasing are a joke. The only good thing about them is they do report to all 3 CA's and their website is easy to navigate. It's incredible how they charge almost $10.00 to make an "expedited payment" and if you use their free payment system using your checking account it takes about a week until the money is available. Worse yet, they only allow like 3 free online payments a month. The only thing I use this card for is my Netflix $7.99 monthly payment. As soon as it hits, I instantly pay it off.
I truly feel sorry for anyone who must rely on using this card as their only source. It's basically legal loan sharking.

Well they ARE owned by one of the biggest JDB/CAs in country....

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 00:04:38 GMT

Wow. Sounds like they know exactly what they're doing, minimizing their exposure (with extremely low credit limits) and charging fee's and interest at ridiculous rates. I mean having to pay them to actually make a payment ?? Just crazy.

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 00:30:40 GMT

If you were trying to conceal your name, you did a bad job. I can still see it

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 00:33:30 GMT

Credit one is at the top of my list to pay off and close. I can't believe that I fell for a card with the credit limit of 300.00 and an annual fee of 99 dollars

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 00:50:11 GMT

Wow i would take that in a heart beat! lol

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 00:50:42 GMT

im sorry lol

@Girac wrote:
Where's the love Credit One? I closed my card a few months ago and havent received that offer. I feel hurt.

Re: Sure, if I'm ever beyond desperate.

taxi818 — Tue, 12 May 2015 00:51:52 GMT

They did ask nicely. im sure they got a 29percent surprise waiting for you.

Re: Sure, if I'm ever beyond desperate.

Lyythine — Tue, 12 May 2015 00:59:57 GMT

@Anonymous wrote:
If you were trying to conceal your name, you did a bad job. I can still see it

I'm going to go close my blinds... Just in case you happen to live near me

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 01:12:07 GMT

Id send them an email back telling them to go jump in a lake.

Re: Sure, if I'm ever beyond desperate.

astrangerwcandy — Tue, 12 May 2015 01:45:23 GMT

You know when i was very subprime with tons of COs they did help me get back to better cards by giving me a couple of positive TLs. Cant hate on em too much.

Re: Sure, if I'm ever beyond desperate.

Anonymous — Tue, 12 May 2015 01:47:57 GMT

Sure we can. With a proper search one can find a real subprime lender. These guys are just plain criminal.

Re: Sure, if I'm ever beyond desperate.

thelethargicage — Tue, 12 May 2015 02:21:29 GMT

@DeeBee78 wrote:
Got an email from CreditOne today.

Damn, they don't even try to sweet-talk you into coming back. They're just blunt--come back, no vaseline!

Re: Sure, if I'm ever beyond desperate.

Pitt570 — Tue, 12 May 2015 02:55:34 GMT

I just closed my account and burned the card 2 days ago...felt so good..now all of a sudden they sent me a email saying come back lol...should i do it???.......NOT!!! haha

Re: Sure, if I'm ever beyond desperate.

DeeBee78 — Tue, 12 May 2015 16:17:03 GMT

@Anonymous wrote:
Credit one is at the top of my list to pay off and close. I can't believe that I fell for a card with the credit limit of 300.00 and an annual fee of 99 dollars

It helped me rebuild and did it's job. My very first post in these forums, I was shamed for having the card, and told I needed to close it. I explained that it accounted for over a1/3 of my credit lines at the time, and I wasn't quite ready to close it. All I got in reply was more shaming for having it.

Once I got my CLI's on my Quicksilver One cards, I closed it. It no longer held any signifigance in my rebuilder portfolio.

Good luck on your (re)building, and hopefully that Milestone card will follow soon after I had one of those, but got rid of it before I joined these forums. It's not as bad as the CreditOne, but it still has a horrible annual fee.