topic Re: Credit one in Credit Cards

Credit one

911gt34life — Mon, 08 Jul 2024 13:13:29 GMT

I finally closed credit One Bank but they send me an email saying this

Come back* to Credit One Bank and get 1% Cash Back Rewards** on eligible purchases. The rewards will appear automatically on your statement each month.

Reinstate by July 12, 2024

The account credit age was 2 years 9 months I tried to convince them they wouldn't waive the annual fee .

Me 1% with 750 score with credit one crazy

Re: Credit one

keekers — Mon, 08 Jul 2024 16:12:20 GMT

Don't do it!

Re: Credit one

FicoMike0 — Mon, 08 Jul 2024 16:46:59 GMT

Ditto!

Re: Credit one

CreditPoor — Mon, 08 Jul 2024 16:58:02 GMT

Definitely don't do it. I was lucky enough to be able to side step that trash card. Paying for credit increases and annual fees for a card like that is ridiculous

Re: Credit one

MissLiz — Mon, 08 Jul 2024 20:05:34 GMT

I feel like reinstating this card would be like finally getting rid of an abusive ex then letting them back into your life. You cut them out for a reason.

Re: Credit one

Anonymous — Mon, 08 Jul 2024 20:16:48 GMT

@MissLiz wrote:
I feel like reinstating this card would be like finally getting rid of an abusive ex then letting them back into your life. You cut them out for a reason.

But Liz, I have changed. You can see that !

Re: Credit one

MissLiz — Mon, 08 Jul 2024 20:19:03 GMT

@Anonymous wrote:
But Liz, I have changed. You can see that !
I'm sorry, John. You care more about bots than you do about me!

Re: Credit one

Anonymous — Mon, 08 Jul 2024 20:30:02 GMT

@MissLiz

Triple Kudos because 1 simply isn't enough.

Re: Credit one

Rodagave — Wed, 14 Aug 2024 22:17:46 GMT

I have 2 Credit One Platinum cards, I've had one for over a year and the other one for 6 months. I've spent close to $2000 on my 6 months card, and I had to get a supervisor to give me a disappointing $200 increase.

Based on my personal experience, credit one straight up sucks. I'll be closing my 2 CCs with them next month.

Hopefully you didn't take the offer!

Re: Credit one

markhs777 — Wed, 14 Aug 2024 23:51:43 GMT

@911gt34life wrote:
I finally closed credit One Bank but they send me an email saying this

Come back* to Credit One Bank and get 1% Cash Back Rewards** on eligible purchases. The rewards will appear automatically on your statement each month.

Reinstate by July 12, 2024

The account credit age was 2 years 9 months I tried to convince them they wouldn't waive the annual fee .

Me 1% with 750 score with credit one crazy

Join a credit union if possible and get a decent card.

Re: Credit one

Rodagave — Thu, 15 Aug 2024 00:38:57 GMT

@markhs777 wrote:

@911gt34life wrote:
I finally closed credit One Bank but they send me an email saying this

Come back* to Credit One Bank and get 1% Cash Back Rewards** on eligible purchases. The rewards will appear automatically on your statement each month.

Reinstate by July 12, 2024

The account credit age was 2 years 9 months I tried to convince them they wouldn't waive the annual fee .

Me 1% with 750 score with credit one crazy

Join a credit union if possible and get a decent card.

Are there any credit unions that offer cash back rewards, and have overall good cards in terms of benefits? Rather than just providing a CL that looks pretty.

If so, are there any credit unions you'd suggest personally?

Re: Credit one

FicoMike0 — Thu, 15 Aug 2024 01:01:53 GMT

@Rodagave

You put us on the spot. I'm a member of several credit unions, but admit I don't have a card with one. Penfed has a 2% on everything card.

Myself, I tend to go for subs and avoid afs . My cash back cards include wf 2% everything, amex bce, 3%,2%,1%, and usb shoppers 6%,3%,1%. The last has a waived af.

If I was starting clean, I'd really consider the robin hood 3%.

Re: Credit one

Polly34 — Thu, 15 Aug 2024 01:08:26 GMT

I tried twice to close it and they gave me 6 months at 0. Its been 8 billing cycles now at 0. I probably should try and cancel again, have a feeling they're go to pull the full $99 annual fee on me this time. it's 4.5 years old.

Re: Credit one

markhs777 — Thu, 15 Aug 2024 06:41:10 GMT

@Rodagave wrote:
@markhs777 wrote:

@911gt34life wrote:
I finally closed credit One Bank but they send me an email saying this

Come back* to Credit One Bank and get 1% Cash Back Rewards** on eligible purchases. The rewards will appear automatically on your statement each month.

Reinstate by July 12, 2024

The account credit age was 2 years 9 months I tried to convince them they wouldn't waive the annual fee .

Me 1% with 750 score with credit one crazy

Join a credit union if possible and get a decent card.
Are there any credit unions that offer cash back rewards, and have overall good cards in terms of benefits? Rather than just providing a CL that looks pretty.

If so, are there any credit unions you'd suggest personally?

It all depends on your location and if you meet the requirements to join but there are many CU's with no annual fee cards with cash back or rewards.