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I have a credit one Platinum (CL$500) with a $99 annual fee that I acquired for rebuilding purposes. My Fico is now @700 across the board and my balance is $0 with credit One. I now have several very decent cards and no longer need the low limit CreditOne card with annual fee. Should I just close the card or are there any suggestions for a PC to a better CreditOne card with no fee?
Honestly with your scores there is no "better" Credit One at all. Close it and monitor it for a few months to make sure they don't add fees after closing.
There are many many more "better" cards from better banks out there.
@PrinceCorwin wrote:@I have a credit one Platinum (CL$500) with a $99 annual fee that I acquired for rebuilding purposes. My Fico is now @Anonymous across the board and my balance is $0 with credit One. I now have several very decent cards and no longer need the low limit CreditOne card with annual fee. Should I just close the card or are there any suggestions for a PC to a better CreditOne card with no fee?
Just close it..
Theres really no such thing as a PC with Credit One... theres no such thing as an APR reduction and theres very little/no CLI (at least without a fee) movement... Youve outgrown CreditOne... now close it and be done with the pond scum.....
Onto bigger and better things..
-J
@PrinceCorwin wrote:@I have a credit one Platinum (CL$500) with a $99 annual fee that I acquired for rebuilding purposes. My Fico is now @Anonymous across the board and my balance is $0 with credit One. I now have several very decent cards and no longer need the low limit CreditOne card with annual fee. Should I just close the card or are there any suggestions for a PC to a better CreditOne card with no fee?
That is what we call an oxymoron. Run away as fast as you can!
@PrinceCorwin wrote:@I have a credit one Platinum (CL$500) with a $99 annual fee that I acquired for rebuilding purposes. My Fico is now @Anonymous across the board and my balance is $0 with credit One. I now have several very decent cards and no longer need the low limit CreditOne card with annual fee. Should I just close the card or are there any suggestions for a PC to a better CreditOne card with no fee?
In my opinion, Credit One is a rebuilder and once it's served it's purpose, there is no need to have it unless you want it. I closed mine after being ABLE to aquire better cards that will continue to grow with you...good luck on whatever you decide.....
Ok, Ok. making call now. lol
I've never even had a Credit One card and still don't want to PC anything from them. Just drop Fees One and leave them in your past!