topic Re: Credit One Blacklist in Credit Cards

Credit One Blacklist

Meanmchine — Tue, 28 Jun 2016 02:10:01 GMT

For like the last 6 months I would go monthly to the Credit One site and see if I was prequalfied. It would alway say I was not prequalified because I had a previous chargeoff with them (2009) . So today I get an email from Credit One saying "Time Has Passed. Recheck Your Status for a Credit One Credit Card." I was bored so I went back to their site and all of a sudden Im prequalified !! LOL I never wanted the card but it is nice that they would take me back

Re: Credit One Blacklist

morgacj2004 — Tue, 28 Jun 2016 04:17:22 GMT

That's one card I wouldn't care if I was blacklisted from. Lol.

Re: Credit One Blacklist

Scott_S — Tue, 28 Jun 2016 04:37:11 GMT

@morgacj2004 wrote:
That's one card I wouldn't care if I was blacklisted from. Lol.

LOL!!

Re: Credit One Blacklist

Anonymous — Tue, 28 Jun 2016 05:13:24 GMT

Let the time keep passing lol

Re: Credit One Blacklist

UncleB — Tue, 28 Jun 2016 06:45:59 GMT

@Meanmchine wrote:
For like the last 6 months I would go monthly to the Credit One site and see if I was prequalfied. It would alway say I was not prequalified because I had a previous chargeoff with them (2009) . So today I get an email from Credit One saying "Time Has Passed. Recheck Your Status for a Credit One Credit Card." I was bored so I went back to their site and all of a sudden Im prequalified !! LOL I never wanted the card but it is nice that they would take me back

I'm going to be an 'outlier' here and say that I know how you feel.

Even if I'm not interesting in getting a particular card, it's nice to at least know that I have the option to do so if I should change my mind... I suspect it's much the same in this case with you.

Last year before 5/24 I would hit the Chase site every month or so and see if I was still pre-qualified for Slate and Freedom... I had no interest in getting either, but it was nice to know I could, especially after my past history with Providian/WaMu (assuming the pre-qual was legit, of course). It did offer me a set APR - the highest - so I figured it was probably being truthful. Since the 5/24 rule, I've not pre-qualed for anything with them since... LOL.

Edited to add: I do the same with the SCT online stores from time-to-time as well... I now get email from stores I'll never shop at just because I wanted to see if I would trigger their 'pop-up'... again, I don't want the card, but it's nice to be 'wanted' by them.

Re: Credit One Blacklist

RonM21 — Wed, 29 Jun 2016 02:04:42 GMT

That's an understandable point from a different angle UncB. When you look at it this way, for you to be blacklisted from someone, that means there is or was a problem, which isn't a good thing.

Re: Credit One Blacklist

LuckyBird — Wed, 29 Jun 2016 02:55:13 GMT

Credit One should be on YOUR blacklist, OP.