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Credit One

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KoolDev
Regular Contributor

Credit One

Its goneeeeeeeeeeeeee.   Called them and asked if they would waive the annual fee to keep my business.   No sir we cannot waive the annual fee.    Asked, what about the 52 cents you owe me ?   Sir we can not right a check less than 5.00........    I laughed and said, ok, you need the 52 cents more than i do at this point. 

 

finally got that little thing closed.   Now my lowest card is 750 but had that one for almsot 3 years, dont want to lose the age.   

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 1 of 17
16 REPLIES 16
coldnmn
Mega Contributor

Re: Credit One

Congrats !

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 17
yudeology101
Senior Contributor

Re: Credit One

WTG!!  I'm sooo relieved i got rid of mine months ago. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 17
dallasjetfan
Established Contributor

Re: Credit One

I doubt you should even care.  You are better off not having them.  Any hit you will recover quickly.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 4 of 17
JSS3
Valued Contributor

Re: Credit One

My sister called me this morning about a 1,500 credit card approval she received from them. She thought it was was Capital One(who she has two $500 credit cards with). I'm helping her to build credit and we both thought it was fishy that she was to respond to SayYestoc1B.com. When I googled the site, I saw it was actually credit one and promptly told her to shred that offer.

Message 5 of 17
kroberts67
Established Contributor

Re: Credit One

After you  close it you'll get that 52 cents by check in the mail at some point, or they must send to the state by law.  lol

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 6 of 17
lithium78
Established Contributor

Re: Credit One

Congrats! It's such a good feeling to get rid of a bottom-of-the-barrel card like Credit One. You are moving on to bigger and better things. :-)

Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 7 of 17
kkapdolee
Frequent Contributor

Re: Credit One

Congrats!

 

At least Capital One does a little better than Credit One.

Cap 1 once wrote me a check for 90 cents of account credit I left on the card for a few months.

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 8 of 17
cbfan1
Established Member

Re: Credit One

Congrats - I closed my CreditOne a couple of weeks ago along with (2) First Premier cards. 



Disney Visa Pref (6K) - Freedom (5K) - Citi Diamond (5K) - BOA CashReward (5K) - Discover IT (4k) - Walmart Discover (1.8K) - Amex BCE (500) - Sportsmans Visa (2K) - CareCredit (4K) - Amazon Store (1.7K) - Barclay Rewards (500)

Started gardening: 11/2013 - Hanging out in the garden until 12/2014
Message 9 of 17
SunriseEarth
Moderator Emeritus

Re: Credit One


@KoolDev wrote:

Its goneeeeeeeeeeeeee.   Called them and asked if they would waive the annual fee to keep my business.   No sir we cannot waive the annual fee.    Asked, what about the 52 cents you owe me ?   Sir we can not right a check less than 5.00........    I laughed and said, ok, you need the 52 cents more than i do at this point. 

 

finally got that little thing closed.   Now my lowest card is 750 but had that one for almsot 3 years, dont want to lose the age.   


Congrats!

 

I got a 6 month waiver on my AF.  All that's doing is allowing my to prioritize paying off higher interest cards for a while.  But by mid-March, my Credit One will be paid off and closed.



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Belk MC $10000 | Wayfair MC $9500 |~~
Message 10 of 17
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