@heavenli wrote:How is Cap 1 with CLI's?
They have become better! They used to be extremely stubborn with CLI's but have since become more open to giving them. wait 6 months and try for a CLI.. if its a no go then try going to EO route, either way good luck! 
@heavenli wrote:WOW.. That's insane
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@09Lexie wrote:
@heavenli wrote:WOW.. That's insane
Welcome to the forum. I notice that you might not know how to respond to posts by using our quote feature.
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Thank you ..yes, I am very new to posting on forums like this
For what its worth, I'd like to say I've had Credit One for about 8 months now with no issues. I've paid on time and it's helped me improve my credit. I received 2 pre-approvals for DiscoverIT and Chase Freedom which I've now added both to my wallet. Before this, I'd always get declined for cards!
If you use the CREDIT ONE card responsibly, it's a good card to help your credit score in a short amount of time. Not to mention you get a 1% instant cash back on gas purchases.
That said, I wouldn't hold on to it any longer than necessary. My balance will be paid off next month and I plan on canceling it. I didn't even have to pay a sign up fee (lucky, I know!) So I'll get out relatively unscathed! Truth be told, If the gas reward on it was better than either of my new cards, I would probably keep it!
** Just thought I'd put the other side of things out there! In reading these boards, I've noticed that sometimes people can be scared away from something that could actually benefit them. Everyone is different and people should see all sides of things. It's easy to say "YUCK its a crappy card" when your wallet is full of 25K+ limit AMEX cards!
Credit one was good to me. My starting CL was $1500. Before my capital one cards got a CLI's I needed an account to charge so they would report $0 balance while the other was maxed out mid cycle. I get free credit score with them and it is a SD card now. I tried the CLI with them and they said the card is less than 1 year old so it is just going to sit in the SD until it is at least over 1 year old before I close it out. It has served a purpose and is there in an emergency. I will say that with a small CL it would make the card very difficult to use with the delayed payment credit and all of the fee's.
Current Score: EX 712 4/28/15, TU 713 4/14/14 lender pull, EQ 723 9/16/15, 740 EQ bankcard 8 6/1/15 lender pull