CREDIT ONE Must be insane!!!

[Charnele1989]

First off, I logged on to Credit One to find out that I've been offered a second card at a 500 limit! They must be insane I don't even want the one I have right now. They can add 500 bucks to the first card and make my limit 1000.00.

Myfico 645 transunion 688 experian 644

[keithB]

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@Charnele1989 wrote:
First off, I logged on to Credit One to find out that I've been offered a second card at a 500 limit! They must be insane I don't even want the one I have right now. They can add 500 bucks to the first card and make my limit 1000.00.

Myfico 645 transunion 688 experian 644

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Gotta give them credit... They aren't afraid to ask for the sell, are they?

[KJamesJR]

Lol I got an offer in the mail from them today. 

[keithB]

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@KJamesJR wrote:

Lol I got an offer in the mail from them today. 

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Was it the beach one?  Got it as well, if it was.  Just tore it up and sent it to the trash!

[mongstradamus]

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@KJamesJR wrote:

Lol I got an offer in the mail from them today. 

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I got declined from their pre approval link lol, but the upside gave me access to free credit report lol

[peaceonearth]

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@Charnele1989 wrote:
First off, I logged on to Credit One to find out that I've been offered a second card at a 500 limit! They must be insane I don't even want the one I have right now. They can add 500 bucks to the first card and make my limit 1000.00.

Myfico 645 transunion 688 experian 644

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A year ago, I tried their Pre-Qualification offers and they did not have any offer for me even with 760 FICO score. I did not really want their card! just...

Why don't you get a secured card from Wells Fargo or B of A?

[lg8302ch]

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@mongstradamus wrote:

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@KJamesJR wrote:

Lol I got an offer in the mail from them today. 

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I got declined from their pre approval link lol, but the upside gave me access to free credit report lol

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Same here......Credit One is for select customers only!?....now my heart is broken and I will have sleepless nights....my first denial

[Charnele1989]

I don't need their card at all. The only thing the can do for me is give me an increase on the one I have. I don't even use their card only to pay Myfico, transunion, and experian every month. I tore the card up about 7 months ago.


In my wallet I have:

Sportsman Guide 2000
Capital one Q'S 1350
Capital one secured 750
Capital one Journey 500
Fairwinds credit union 500
Ashely Stewart 250- I have had this card for 10 months no increase yet!
Victoria secret- 250
Shell 200 which I never use
Credit one- open for two years n 100.00 increase for a year SHINE
Jcrew- 650

15% it'll
No baddies all paid in full

[CreditUnionFan]

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@Charnele1989 wrote:
First off, I logged on to Credit One to find out that I've been offered a second card at a 500 limit! They must be insane I don't even want the one I have right now. They can add 500 bucks to the first card and make my limit 1000.00.

Myfico 645 transunion 688 experian 644

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5

There's a reason for those "credit line increases"; don't they also charge a 20% or 25% fee to increase your credit line?  So that to obtain the $500 in credit to use, isn't there a $100 fee that you never receive back?

[Anonymous]

It might just be me I don't think the card is a bad rebuilder at all.  I  was approved for $400 at 17.9% and $35 AF.  Before the first statement cut they gave me an auto CLI of $200  for a total CL of $600.  Now don't wrong even with the 1% back on gas and the free FAKO score I still intend on closing this card prior to the AF hitting again.  Everybody has to start somewhere!