Credit one cancellation

[Anonymous]

I made a mistake to apply for credit one. I haven't get the card from mail yet. If I don't activate the card. Credit one will cancel the account and not report my credit like experian etc correct? I want BoA secured card instead

Sorry it's my first post

[DeeBee78]

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@Anonymous wrote:
I made a mistake to apply for credit one. I haven't get the card from mail yet. If I don't activate the card. Credit one will cancel the account and not report my credit like experian etc correct? I want BoA secured card instead

Sorry it's my first post

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You've already taken the AAoA hit and score impact (if any). If you were approved for the card it's going to report. 

[Anonymous]

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@Anonymous wrote:
I made a mistake to apply for credit one. I haven't get the card from mail yet. If I don't activate the card. Credit one will cancel the account and not report my credit like experian etc correct? I want BoA secured card instead

Sorry it's my first post

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If you do choose to close this card (a decision I fully support as Credit One is Evil), then I strongly suggest that you actually call to cancel, rather than rely on never activating the card to automatically cancel it for you.  As long as you don't activate, they should refund the annual fee and close it out, but if you never call, they never close, and you get billed for the AF.

[Anonymous]

just inquires but I haven't activate yet..

[Anonymous]

Sorry I can't edit my last post but I'll call to cancel. Thanks for replies

[Anonymous]

No, it will not report per my experience.

Shortly before finding this board, I apped and was approved. I did not activate and I cancelled my new card once received. 

The only evidence of credit one in my report is the HP.

[noobody]

Generally speaking, activation is just a security measure, has nothing to do with account opening setup closing etc.

In your case, you MUST call to close account and ask nicely or beg them not to report the account to CB

[Anonymous]

Thanks for the replies!! I called to cancel. Credit one did cancel my account without problem. That surprised me.. good customer service!

[Anonymous]

Impressive!  There's a first time for everything.  Chalk the previous post up to the first communication by anyone ever of solid Credit One customer service!  lol

[Anonymous]

Good for you! Personally, I wouldn't touch Credit One with the proverbial ten-foot pole. It seems to me that their target market is people who are really, really desperate for credit so that they'll swallow and pay the fees they charge (not to mention endure their bad customer service).