As the above responses imply, avoid Credit One. The denial was a gift from the credit gods
Your DH should check into Capitol One (I fell for the logo clone thinking it WAS actually some part of Cap 1, who I don't have a problem with).
I kept them for just short of a year to see what their EX score was saying (it actually did match other input I got about EX), then closed them before the AF hit.
Credit One insists on sending me an offer every few months, I make sure to read through the paperwork associated and yeah, didn't like what I saw. Also, the fact that my mom had this card and she didn't like it.
+1 Go for bigger and better. Maybe clean his report a little and age the good that's on there. Good Luck!
Im surprised that Capital one hasnt sued Credit One for basically trying to "imitate" their logo and such...
It's never a good idea to have a credit card administered by a collections agency. That card is one of the biggest rip-offs out there.