Credit One or First Premier pre approval?

[celticslegends]

I have recently been pre-approved for a First Premier CC with a $700 limit.  I wanted a 3rd card, but was denied by Barclays.  I already have 2 Capital One cards and a credit union card.  

Should I accept the First Premier card, or go for the Credit One that I have been pre-approved for?  

Any advice on which one is better?

[Countingpennies]

Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.

[Anonymous]

Not just No, but HELL to the no!

You're better off with a secured card (say bank of America) or a Synchrony store card like Walmart or Amazon to help re-establish.  I have had credit one in the past, and recently canceled because of their dealings.  

Credit One is also run by a collections company if that tells you anything. 

[phillyguy12]

Neither they are both pretty bad w. Fees. But if you had a gun to my head to choose between them i would go credit on. I thought they were the lesser of the 2 evils when i was there. Just know neither of those cards are keepers. Use them to rebuild but ditch eem as soon as you can

[celticslegends]

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@Countingpennies wrote:

Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.

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I have 2 cap 1 cards and then my credit union card.  I have read that Credit One has been beneficial to many people.  As long as I am responsible with it.  

[Countingpennies]

Only beneficial for someone who can't get anything else. You have 3 decent cards, you don't need Credit One.

[Anonymous]

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@celticslegends wrote:

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@Countingpennies wrote:

Neither, stay away from First Premier and Credit One.

How long have you had Cap1? Which card? You could app for a 2nd Cap1 card.

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I have 2 cap 1 cards and then my credit union card.  I have read that Credit One has been beneficial to many people.  As long as I am responsible with it.  

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The only many people they're beneficial to is the owners of the company. Stay far away from these scum.

You have 3 cards which is enough to build a solid file.

[celticslegends]

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@Countingpennies wrote:

Only beneficial for someone who can't get anything else. You have 3 decent cards, you don't need Credit One.

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Got it.  Thanks for the advice.

[CYBERSAM]

I have them both, about 2 months ago! 

I had too do to my past baddies, First Premier reported in 2 weeks but still noting from CreditOne! 

However I got 3K from Capital One this month thanks to First Premier reporting.

Credit One was waste of money given I didn't need them to get Cap one.

Both of these cards are good for ppl that have no other credit, is best to cancel them after a year.

[Anonymous]

No. Just, no. These are both awful cards that are worse than the cards that you have, especially the Credit One card. You have two decent cards. I would use the two Capone cards for six months to a year, then try to get some unsecured cards.