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Credit One CLI

Frequent Contributor

Credit One CLI

A credit rebuilder here, went south on student loans in a very stupid way, I have been rehabbing for 2 1/2 years with on-time payments and have a few collections from 4 years ago on my account. I have all my card details in my signature.


June 2018 - EX: 652 EQ: 621: TU: 620


In my rebuilding process I obtained a Credit One Card 11 months ago just to have a $300 unsecured credit limit to help with utilization. Was approved, paid the bull**bleep** fee and some of the bull**bleep** interest on some minor, minor purchases. Never have spent more than $40 on this card and always kept a 0 balance. Just got an email after my June statement cut that I got a CLI of $200 to make it a $500 unsecured card. 


I'm only hanging on to this card to help my over all utilization to keep it insanely low. I know it's a crummy card, but whatever, for right now, it is working for me to have it on my profile to help my limits increase. And also, I just had some other recent good things happen in my credit rebuilding process , I Was just recently approved for an AMEX Green (Which has become my sole spending card basically) back in April, approved for a Cap One QS1 in May and at the same time, my Cap One Secured Card $200 SL went unsecured and increased to a $500 SL. 


So that's two cards opened in the past two months (AMEX Green & Cap One QS1). Had my Cap One Secured card go unsecured w/ CLI to $500 and now have had my Credit One card CLI to $500.





I want to cancel this card ASAP, but for right now it's helping me grow and keep my utilziation rates insanely low. Also with two cards in two months opened, after gardening for some 8 months, I am back in the garden for a while now so that's another reason I don't want to cancel this card ASAP. Will not touch this card other than a $3 iced coffee to keep it active. It's been a long, long road just to get HERE and I know there are greener pastures ahead. I was at the bottom of the barrel with a 404 Vantage Score 2/12 years ago. But we're getting thereSmiley Happy


P.S. I chuckle hard at the message in the email...."Buy yourself something extra" -- Smiley Very HappySmiley Very Happy


No thanks Credit One, only thing you're buying is some temporary space on my credit report to help my on time payments and low utilization!!!

AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 1 of 4
Senior Contributor

Re: Credit One CLI

Congrats on CLI


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 4
Valued Contributor

Re: Credit One CLI

I know the feeling of wanting to cancel this card. I started with one of these also....but we gotta do what we gotta do...Congrats on your increase....keep on truckin'........Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 704 TU(1) 716
AAOA 4.5yrs TCL=300,700
Message 3 of 4
Frequent Contributor

Re: Credit One CLI

Congrats on the rebuild success. Keep up the fight ! 😉
Message 4 of 4
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