topic Re: So long Credit One in Credit Cards

So long Credit One

Anonymous — Mon, 01 Aug 2016 22:27:22 GMT

I recently changed my last name back to my maiden name and I called all my creditors to update my account and get new cards issued. Most of them were able to update my name over the phone and told me that I would get my new card in the mail in a few days. Wouldn’t you know that the one creditor that gave me trouble was Credit One. They told me that I needed to send the request in writing and to send a copy of the documents that changed my name. I told them I wanted to closed both cards and then they waived the fees and a few other things so I kept the account open, but I still needed to mail the documents to change my name. Reluctantly I put the request in writing and mailed the documents. Today I received two letters from Credit One telling me that they updated my account to reflect my new name, however if I wanted new cards, I would have to pay twenty-five dollars per card. REALLY???? I think not. I called them and cancelled both cards.

I’m so happy to be done with them. They nickel and dime you for everything and the fees are the worst.

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 22:31:10 GMT

Congrats!

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 22:35:13 GMT

Good riddance. Congrats !!!!

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 22:37:53 GMT

Congrats on graduating to some better cards! That is a ridiculous charge. I'm glad you were able to tell them to go jump in a lake.

Re: So long Credit One

jawbrkr — Mon, 01 Aug 2016 22:40:48 GMT

Ridiculous!! Good idea to close the cards and keep it moving.

Re: So long Credit One

SouthJamaica — Mon, 01 Aug 2016 22:43:56 GMT

@Anonymous wrote:
I recently changed my last name back to my maiden name and I called all my creditors to update my account and get new cards issued. Most of them were able to update my name over the phone and told me that I would get my new card in the mail in a few days. Wouldn’t you know that the one creditor that gave me trouble was Credit One. They told me that I needed to send the request in writing and to send a copy of the documents that changed my name. I told them I wanted to closed both cards and then they waived the fees and a few other things so I kept the account open, but I still needed to mail the documents to change my name. Reluctantly I put the request in writing and mailed the documents. Today I received two letters from Credit One telling me that they updated my account to reflect my new name, however if I wanted new cards, I would have to pay twenty-five dollars per card. REALLY???? I think not. I called them and cancelled both cards.

I’m so happy to be done with them. They nickel and dime you for everything and the fees are the worst.

They're where they belong... in your rear view mirror.

Re: So long Credit One

AverageJoesCredit — Mon, 01 Aug 2016 22:47:21 GMT

Haha Lol " go jump in a lake!", gotta say @ tidegirl, that was funny and probably ranks right behind my favorite saying from this forum " Pound Sand" ! Thanks for the laugh!

Op, congrats on moving on

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 23:14:02 GMT

Good on you OP, they don't deserve your business.

My preferred saying is "go play in traffic"

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 23:17:43 GMT

Was it your annual fee they offered to waive? I have a credit one card that's almost three years old that now has a $96 annual fee, every month I'm paying $8 for that and nothing else because I don't ever use it. I just opened a discover and chase freedom last year so I'm wondering if I should call to cancel and see if they will waive that fee or how to go about it

Re: So long Credit One

Anonymous — Mon, 01 Aug 2016 23:25:18 GMT

@smnares wrote:
Was it your annual fee they offered to waive? I have a credit one card that's almost three years old that now has a $96 annual fee, every month I'm paying $8 for that and nothing else because I don't ever use it. I just opened a discover and chase freedom last year so I'm wondering if I should call to cancel and see if they will waive that fee or how to go about it

I would try that and if they won't waive the fee, dump the card. They are good for starting out but you have better cards now. Your positive history with them will continue to report for 10 years. You don't need them any more, and they are definitely not worth the AF!

Re: So long Credit One

AverageJoesCredit — Mon, 01 Aug 2016 23:29:08 GMT

@OpenG, nice!! Took a double on that one and made me laugh too Though that one probably should be reserved for when a creditor AA's you for no reason or something. Cue the " Sync Saga" haha.

@smnares, if you got Discover and Chase, you are doing well and imagine you probably dont need credit one anymore, unless for your util. Maybe you should have them play in traffic on their way to jump in a lake but not before they pound sand JK , if they work for ya, no probs but if not, time to fly

Re: So long Credit One

Anonymous — Tue, 02 Aug 2016 00:14:14 GMT

@OpenG they waived my annual fees on both cards. I didn't need them any way. I have Cap1, Barclay, Merrick , Sportsman guide visa and NFCU cards. The increases they do offer you are not free. They charge you for everything. I'd you don't need them. Tell them to kick rocks!

Re: So long Credit One

grillandwinemaster — Tue, 02 Aug 2016 03:28:46 GMT

@smnares wrote:
Was it your annual fee they offered to waive? I have a credit one card that's almost three years old that now has a $96 annual fee, every month I'm paying $8 for that and nothing else because I don't ever use it. I just opened a discover and chase freedom last year so I'm wondering if I should call to cancel and see if they will waive that fee or how to go about it

You should have canceled that thing 2 years ago. What is motivating you to keep that card open?

Re: So long Credit One

Anonymous — Tue, 02 Aug 2016 04:17:42 GMT

@grillandwinemaster wrote:
@smnares wrote:
Was it your annual fee they offered to waive? I have a credit one card that's almost three years old that now has a $96 annual fee, every month I'm paying $8 for that and nothing else because I don't ever use it. I just opened a discover and chase freedom last year so I'm wondering if I should call to cancel and see if they will waive that fee or how to go about it
You should have canceled that thing 2 years ago. What is motivating you to keep that card open?

Maybe she was waiting to find the most creative way to tell them to go to h-e-double-hockey-sticks

Re: So long Credit One

creditguy — Tue, 02 Aug 2016 05:27:55 GMT

Wow, credit one never ceases to amaze me how they find a way to nickel dime people with all their fees. I'm surprised they don't charge a cancellation fee. I would tell them that I will gladly ship the shredded remnants of their cards back to them free of charge as a courtesy.

Re: So long Credit One

Vegas4Play — Tue, 02 Aug 2016 06:42:12 GMT

Congrats on your closure, some things just are not worth the hassle.

Re: So long Credit One

Anonymous — Tue, 02 Aug 2016 08:44:31 GMT

Kick rocks, pound sand, take a long walk off a short pier, jump in the lake and see ya later alligator...

BAAAAHAHAHAHA!!!!!!!!!!!!!!!

OMG, my sides are hurting soooo much!!!

On topic to the OP, say buh-bye to the subprime, for you're in your prime now!

Re: So long Credit One

Anonymous — Tue, 02 Aug 2016 10:22:06 GMT

I am no fan of Credit One (read my past posts) however I'm a business realist

They are in the business of dealing with high cost, high risk clientele (can we tell the truth) bottom line is when you smell like ish, you get ish options...such is life, once you qualify to leave ish-ville you leave

But, you will NEVER make Credit One...Chase-like because they ain't Chase or Navy or PenFed.
If you're in credit jail, you get treated as such...jail ain't the Hamptons.
Once you are up for parole, find a better option, simple as that....

Again, yes they suck but in fairness they deal with mostly ish customers, and due to the more fraud and nonsense dealing with more low brow folks I'd bet the whole 'name change ' thing takes on a whole new can of worms for the ace clientele they deal with daily.

Just like when you're in da hood...they charge you for extra sauce or ketchup packs and hand your food from behind bulletproof glass....same thing just easier to change your reality😠

Re: So long Credit One

grillandwinemaster — Tue, 02 Aug 2016 16:02:05 GMT

@Anonymous wrote:
I am no fan of Credit One (read my past posts) however I'm a business realist

They are in the business of dealing with high cost, high risk clientele (can we tell the truth) bottom line is when you smell like ish, you get ish options...such is life, once you qualify to leave ish-ville you leave

But, you will NEVER make Credit One...Chase-like because they ain't Chase or Navy or PenFed.
If you're in credit jail, you get treated as such...jail ain't the Hamptons.
Once you are up for parole, find a better option, simple as that....

Again, yes they suck but in fairness they deal with mostly ish customers, and due to the more fraud and nonsense dealing with more low brow folks I'd bet the whole 'name change ' thing takes on a whole new can of worms for the ace clientele they deal with daily.

Just like when you're in da hood...they charge you for extra sauce or ketchup packs and hand your food from behind bulletproof glass....same thing just easier to change your reality😠

Good points! Bottom line, stay outta "da hood!" Lol

Re: So long Credit One

MissMoni223 — Tue, 02 Aug 2016 17:13:57 GMT

Way to go! So long, GOODBYE!!!