ONE MAIN FINANCIAL BRIGHTWAY MASTERCARD

[Legally_Speaking2512]

Hi everyone -

So I got an email from Experian saying that I had a pre-approval offer on the One Main Financial MasterCard. I was wondering if anybody has any experience with that card in particular. The APR is ridiculous at 35.99% and it would be a sock drawer card but thought perhaps I could use it just to add to my overall credit line in total. Anybody know if they're pre-approvals result in a hard inquiry on my credit report? If so then it's a no-go. 

I don't know, what are your guys's thoughts on the card? Is it worth adding to the mix just to give me a bit of more credit to my name or name? Any help would be appreciated. Thank you guys 

[cashorcharge]

I would be of the opinion that based on your score and the other cards your profile is displaying...unless you really need more credit now...you Pause....

Instead maintain those Cap 1 and the GM Card as both offer SP CLI's and with good account management, you can raise your score and get better options in the future.

[JoeRockhead]

I'm of the same opinion to pass on this card,  and working on building a better path to more desirable cards using what you have already.

[SouthJamaica]

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@Legally_Speaking2512 wrote:

Hi everyone -

So I got an email from Experian saying that I had a pre-approval offer on the One Main Financial MasterCard. I was wondering if anybody has any experience with that card in particular. The APR is ridiculous at 35.99% and it would be a sock drawer card but thought perhaps I could use it just to add to my overall credit line in total. Anybody know if they're pre-approvals result in a hard inquiry on my credit report? If so then it's a no-go. 

I don't know, what are your guys's thoughts on the card? Is it worth adding to the mix just to give me a bit of more credit to my name or name? Any help would be appreciated. Thank you guys 

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Do not get it.  You would be setting yourself back by wasting a hard pull and new account on such a useless card.

[brendini]

Spending $75 a year on a credit card is a waste.  OneMain offers go in the trash. 

[FicoMike0]

Your scores are not bad. Why would you consider paying for a card? Look at cards that pay you! Save the hard pull for something good.

[AndySoCal]

@Legally_Speaking2512  I would not the annual fee and the rewards are poor

[Legally_Speaking2512]

That's solid advice - agreed! Thank you so much for the response and input.💯

[Legally_Speaking2512]

Thank you for the input. Yeah I definitely passed on it. Not only that 35.99% is ridiculous

[Legally_Speaking2512]

Thank you for the advice. Yeah it's definitely a hard pass for me. I just don't see anything good in that card or any good that can come from it.