topic Re: Credit one in Credit Cards

Credit one

Bankrupt2019 — Mon, 10 Feb 2020 02:23:49 GMT

So is credit on the only credit card in the world with no grace period? Or did I read the account disclosures wrong? I don't really care since it's a SD card anyway, but just thought it was odd I paid interest when I paid off the card fees 2 days after I got it.

Re: Credit one

Brian_Earl_Spilner — Mon, 10 Feb 2020 02:20:51 GMT

No they are not the only ones, just the ones who are famous for it.

Re: Credit one

Bankrupt2019 — Mon, 10 Feb 2020 02:24:15 GMT

They earned themselves a deep dark corner of my sock drawer.

Re: Credit one

Anonymous — Tue, 18 Feb 2020 05:48:09 GMT

Credit One is the worst of the worst. Got one when rebuilding after BK. Never really used it much then......never use it now. They charge me $9 per month for non usage and probably will charge me that even if I do use it. Scared to get rid of it for fear it will lower the age of my credit. Wish I had never applied for it but I was desperate for a credit card.

Re: Credit one

Brian_Earl_Spilner — Tue, 18 Feb 2020 05:58:46 GMT

It stays on your credit for up to 10 years after you close it.

Re: Credit one

Anonymous — Tue, 18 Feb 2020 06:14:25 GMT

@Anonymous wrote:
Credit One is the worst of the worst. Got one when rebuilding after BK. Never really used it much then......never use it now. They charge me $9 per month for non usage and probably will charge me that even if I do use it. Scared to get rid of it for fear it will lower the age of my credit. Wish I had never applied for it but I was desperate for a credit card.

I would get rid of that Credit One card immediately and save yourself $9 a month. You got plenty of good cards now. It won't affect your age of credit, it will remain on your credit report for 10 years.

Re: Credit one

Anonymous — Tue, 18 Feb 2020 06:16:31 GMT

@Bankrupt2019 wrote:
So is credit on the only credit card in the world with no grace period? Or did I read the account disclosures wrong? I don't really care since it's a SD card anyway, but just thought it was odd I paid interest when I paid off the card fees 2 days after I got it.

Hopefully, they are not charging you a monthly fee. I would get rid of it ASAP!

Re: Credit one

Tomatoshadow2 — Tue, 18 Feb 2020 08:00:22 GMT

It's always a bummer when I hear someone has to deal with Credit One.

Re: Credit one

seattletravels — Tue, 18 Feb 2020 15:22:00 GMT

Close that card and save yourself $9/mo!

Re: Credit one

Anonymous — Tue, 18 Feb 2020 15:36:30 GMT

@STEVE891.....Amen brother I will!!!

Re: Credit one

Andypanda — Tue, 18 Feb 2020 15:44:51 GMT

@Anonymous wrote:
Credit One is the worst of the worst. Got one when rebuilding after BK. Never really used it much then......never use it now. They charge me $9 per month for non usage and probably will charge me that even if I do use it. Scared to get rid of it for fear it will lower the age of my credit. Wish I had never applied for it but I was desperate for a credit card.

Finance over Fico. Unless you are apping for a morgage or a auto loan reltivly soon, You will make up the points eventully, and save yourselff some money.

Re: Credit one

CreditobsessedinFL — Tue, 18 Feb 2020 16:00:25 GMT

Amen. I can't wait for my clear to close day; I just passed my one year anniversary. If all else goes well, I am giving them another 30-60 days in the SD and my final $18 before I say Adios. 🙏🏽