Thoughts on Credit One Amex w/39 annual fee?

Linnaea · ‎08-01-2023

I want to app one more time to rebuild. Thoughts on Credit One Amex w/39 annual fee? Then I thought that our Kohl's and how goes to Kohl's visa one day? Any data points would be great. I am rebuilding.

Zoostation1 · ‎08-01-2023

It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Jan 2026 FICO 8:

Jan 2026 FICO 9:

Jan 2026 FICO 10:

Jan 2026 FICO 10T:

Linnaea · ‎08-01-2023

My Fico score are from 620 to 640.

I have a secured Navy Fed., Cap One platinum, Ally and Mission One. I have ibs charge off in working on... in validation mode.

@Zoostation1 wrote:
It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

coldworld · ‎08-01-2023

@Linnaea wrote:
My Fico score are from 620 to 640.
I have a secured Navy Fed., Cap One platinum, Ally and Mission One. I have ibs charge off in working on... in validation mode.
@Zoostation1 wrote:
It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

Sounds like you have plenty of cards now. Use them, pay them off each month, and apply for CLIs. Your limits will grow and so will your score. The biggest advantage to doing this, is you will avoid CreditOne's predatory nature.

3B Scores

----

SUPERSQUID · ‎08-01-2023

@Linnaea wrote:
I want to app one more time to rebuild. Thoughts on Credit One Amex w/39 annual fee? Then I thought that our Kohl's and how goes to Kohl's visa one day? Any data points would be great. I am rebuilding.

When I was in the early stages of rebuild I basically ate crow just to grind up to a higher tier, high interest low sl and fees etc.

You might want to check prequals and see if anything pops up, there are many of them, capital one, discover, synchrony cards, etc.

As stated previously I would steer clear of credit one if possible.

good luck to you.

SUPERSQUID · ‎08-01-2023

@Linnaea wrote:
My Fico score are from 620 to 640.
I have a secured Navy Fed., Cap One platinum, Ally and Mission One. I have ibs charge off in working on... in validation mode.
@Zoostation1 wrote:
It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

Its early in the wee hours and I need coffee,

I just noticed your 2nd post. You have a pretty nice lineup, especially the Navy card, you want to grow that relationship in particular.

Linnaea · ‎08-02-2023

@coldworld wrote:
@Linnaea wrote:
My Fico score are from 620 to 640.
I have a secured Navy Fed., Cap One platinum, Ally and Mission One. I have ibs charge off in working on... in validation mode.
@Zoostation1 wrote:
It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

Sounds like you have plenty of cards now. Use them, pay them off each month, and apply for CLIs. Your limits will grow and so will your score. The biggest advantage to doing this, is you will avoid CreditOne's predatory nature.

Agree I think I am gardening until something yummy comes along. Thank you

Linnaea · ‎08-02-2023

@SUPERSQUID wrote:
@Linnaea wrote:
My Fico score are from 620 to 640.
I have a secured Navy Fed., Cap One platinum, Ally and Mission One. I have ibs charge off in working on... in validation mode.
@Zoostation1 wrote:
It's not the worst of the Credit One cards at $39 for an AF, but I would stay away from Credit One in most cases. How far along in your rebuild are you,what other cards do you have, what sort of baddies, and where are you for scores? That info will help elicit better advice. May also be better suited for credit cards section rather than credit applications?

Its early in the wee hours and I need coffee,
I just noticed your 2nd post. You have a pretty nice lineup, especially the Navy card, you want to grow that relationship in particular.

Agree . . I'm just going to let them all grow until something is tempting.

keekers · ‎08-02-2023

When I was first starting my rebuild I went with Credit One because I didn't know any better (other options). If I knew then what I know now I would have avoided Credit One altogether. In my opinion you don't NEED another card, but if you want another card I would look at Discover secured card. I know you already have a secured card but this one will also graduate after a short amount of time.