Only thing left are the undead
Credit one can be a headache. I have a card luckily I haven’t had any issues with them. It’s getting canceled very soon.
This is why it’s important to read the terms and conditions of any card. Had you read that. You would have known that they charge a $75AF at the first statement date regardless if the card has been activated. It’s very clearly spelled out in the terms.
This is why it’s important to read the terms and conditions of any card. Had you read that. You would have known that they charge a $75AF at the first statement date regardless if the card has been activated. It’s very clearly spelled out in the terms.
Credit one has a ton of different terms and conditions for the exact same Visa Card.
So it’s very likely that your card came with different terms or they updated the terms.
My card came with the terms I mentioned about the annual fee being charged regardless of card activation.
I also have terms in regard to the grace period. I have no grace period per se, but it’s written in the T&C that as long as I do not have a balance on the statement closing date I will not be charged interest as long as there was no previous balance the month before.
So it’s very likely that your card came with different terms or they updated the terms.
My card came with the terms I mentioned about the annual fee being charged regardless of card activation.
I also have terms in regard to the grace period. I have no grace period per se, but it’s written in the T&C that as long as I do not have a balance on the statement closing date I will not be charged interest as long as there was no previous balance the month before.
It’s posts like this that make me so freaking glad I was denied (😂😂😂😂😂) last year for Credit one.......
seriously tho, I thought it was capital one....😱😱🤪🤪🤪
my friend, I would cancel. It’s better to get a secured card.
I wouldn’t even put a subscription on that card. I use it every 3 months for a pack of gum and pay it off the minute it posts. I advise you to do something similar. They still report to the agencies the positive payment history even if you don’t use the card every month.
I had luck calling to cancel mine after 6 months of having it and using it maybe 10 times total. They offered me my entire AF back as a statement credit if I kept it open for atleast another 60 days. So I’m just waiting that out until I cancel which will be my 8th-9th month of having the card.
Keeping it open for 30 days past the 60 day mark so however they decide to count the days I’m safe and can’t owe them any kind of money back for the statement credit. I don’t trust them.
Also always push payments with them. It avoids that annoying 7 day lag for a payment. But I do it because I know if there was ever a payment glitch on their end. They would totally say it was my fault and screw me. I trust other banks with pulled payments but not them.
I had luck calling to cancel mine after 6 months of having it and using it maybe 10 times total. They offered me my entire AF back as a statement credit if I kept it open for atleast another 60 days. So I’m just waiting that out until I cancel which will be my 8th-9th month of having the card.
Keeping it open for 30 days past the 60 day mark so however they decide to count the days I’m safe and can’t owe them any kind of money back for the statement credit. I don’t trust them.
Also always push payments with them. It avoids that annoying 7 day lag for a payment. But I do it because I know if there was ever a payment glitch on their end. They would totally say it was my fault and screw me. I trust other banks with pulled payments but not them.
CreditOne is the true Capone bank it seems.
