topic Re: See ya Credit One! in Credit Cards

See ya Credit One!

Anonymous — Fri, 06 Feb 2009 19:16:20 GMT

No longer am I going to pay the monthly $6.50 fee and $7.95 to make payments online. They refused to waive the AF and did not respond to multiple GW letters for a 30 day over 18 months ago. I can't wait to get out of this sub-prime card hell.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 19:48:38 GMT

Now that I think about it, what is the next card/step I should take? My scores around the 640 range and I really need a decent CL to travel for my job. Any help is greatly appreciated.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 19:58:16 GMT

I remember when I ditched my Credit One card. People outgrow them.

How about a Hooters Card? Not exactly classy to flash on a business trip, but I think they give out decent credit lines. My card has no annual fee and a $3,000 CL.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 20:08:32 GMT

@Anonymous wrote:
Now that I think about it, what is the next card/step I should take? My scores around the 640 range and I really need a decent CL to travel for my job. Any help is greatly appreciated.

Are all 3 scores around 640? Any recent baddies?

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 20:13:25 GMT

All scores are in the 628-645 range. Baddies are over 3 years old and paid (I understand that doesn't matter). Just applied with Hooters and got the 7-10 day message.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 20:29:39 GMT

7-10 day message does not mean you didn't get it. I got that message and received a card! I don't remember the original credit limit - they're all running together in my head now.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 20:34:45 GMT

That's good news! The card wouldn't be the most classy to throw around but it really would be used for airline tickets, hotel reservations, and car rentals that all can be done online and I really don't care if the person behind the desk sees it. I'll use my Cap One card for dinner purchases. I'm just really glad I don't have to throw around Orchard Bank and Imagine that scream subprime.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 21:17:21 GMT

It's mostly embarrassing to me since I'm female. I try not to use it in public but when I do, I sometimes get a smirk and I wonder if the cashier thinks either that I like to go there or that I work there.

(Some people might consider that second one a complimentary thought but I don't.)

Message Edited by ChesterPDexter on 02-06-2009 01:17 PM

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 21:25:20 GMT

To funny!

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 21:29:43 GMT

Did you receive a call when you applied and got the 7-10 day message or did they just send a card? I haven't applied for anything in a while and I'm sitting on pins and needles.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 21:53:29 GMT

Well I got an email stating that I was approved for a $700 cl. Now another one of the 'lil subprime guys can get a wacking. I think Access ($250 cl) gets the boot.

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 22:03:51 GMT

Do you have a link to where you applied for the Hooters Card?

Thanks!

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 22:09:16 GMT

I never got an e-mail or a call. In fact, I called them, bugging, them, several times and they only told me the application was in process.

I got a card in the mail within a few weeks later.

This has an "apply now" link on the page. http://www.hooterscard.com/menu/home.aspx

*Oh, I missed your post! Congratulations! In general, if you treat them well, they will CLI you regularly.

I don't know about the Hooters, but I have a regular Merrick card and I use it heavily and then pay it down or off, and they just love that and bump it up every time I do that. I think I started with $800 or $1000 and it's at $3300 now. Terrible rate, though, but good for use-and-pay.

Message Edited by ChesterPDexter on 02-06-2009 02:09 PM

Re: See ya Credit One!

Anonymous — Fri, 06 Feb 2009 22:18:32 GMT

That's perfect for what I'm going to use it for, use, get reimbursed, and pay it in full. I would like to have the CL around $1500 to just have one card needed during trips, so I'll have to use a couple cards until then, but it's a good start.

Re: See ya Credit One!

mamalawery — Sat, 07 Feb 2009 01:10:56 GMT

went to hooters.com since i saw others on the forum say they liked their card. applied and i received the 7-10 email. then a rep clld a week later and asked about my some info on my cbr's. they wanted to make sure i was me. then she told me i was approved with a 600 lim. this is my highest crl since i am rebuilding. no af, but high apr. that's okay. they gave a chance and i am very appreciative.

now i applied for creditone the same day 12/24/2008. got the msg online that was in process, then approved. then i received a letter saying they needed a copy of my drivers license. i faxed that in. then online it said approved.

then about 1 week ago, looked on their site and it said the app was denied????? after 1month of waiting!!!!!!!!

however, i did put a freeze on my cbr's the week before. they had already pull my cbr and i thought didn't need to pull again. so no creditone card and i am happy about it. i like my hooter's card.

Message Edited by mamalawery on 02-06-2009 05:06 PM

Message Edited by mamalawery on 02-06-2009 05:10 PM

Re: See ya Credit One!

Anonymous — Sat, 07 Feb 2009 15:22:26 GMT

You are better off without Credit One. Don't be too upset about your denial. As I've posted before, they are really hard to work with and have crazy fees. I'm in the rebuilding phase as well and it feels really good to have a card (Hooters) without any AF that will actually grow with you. If you haven't already, I would try for a Cap 1 card that will also give generous CLI with continued use. Again, don't get down about that joker of a card (Credit One), you're making progress without them.

Re: See ya Credit One!

mamalawery — Sat, 07 Feb 2009 23:03:27 GMT

after i made this post last night i decided to go back on their website and check my app again. Unbelievable! it did get approved and was sent out 02/04. if the crl isn't atleast 600.00 which is my highest right now, i'm going to close it. no need to pay the monthly fee if not a good crl.

i'll keep you guys posted on the crl when i get it.