No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Around the very beginning of my app spree 3 weeks ago I received a pre-appr. offer from Cred-1. This isn't the first one I've gotten though. They first started showing up after I got my car loan from Wells Fargo back in April-and after being out of the credit card game for about 8 years. . After reading some of the things I've read about them on this board I decided "HECK NO!", but now I'm TEETERING on changing my mind. I have garneed 4 store cards (including Pay-Pal SC), a gas card, a Discover IT, and a credit union Visa since the beginning of my app spree, and wasdenied BB&T Visa and AMEX.-my only 2 denials so far. Should I bite the bullet and accept this card-and maybe just use it as a general purpose "knock-around" card?
@Credit-hoarder wrote:Around the very beginning of my app spree 3 weeks ago I received a pre-appr. offer from Cred-1. This isn't the first one I've gotten though. They first started showing up after I got my car loan from Wells Fargo back in April-and after being out of the credit card game for about 8 years. . After reading some of the things I've read about them on this board I decided "HECK NO!", but now I'm TEETERING on changing my mind. I have garneed 4 store cards (including Pay-Pal SC), a gas card, a Discover IT, and a credit union Visa since the beginning of my app spree, and wasdenied BB&T Visa and AMEX.-my only 2 denials so far. Should I bite the bullet and accept this card-and maybe just use it as a general purpose "knock-around" card?
Seeing how you have saved it for 3 weeks go ahead app ..........Shred
SHRREEEEDDDD IIITTT
hehehe
dude you have a prime cc with Discover... why you need to pay $75 annual fee deducted at the second you hit submit, to have what. $225 availabe credit?
I had and closed that three times in the last 4 years... everytime they sent me a preaproval and no one approved me i fell... but they outsource cs sucks, they read from a script. no cli ever, just random 100 and you need to pay $25!! to get it
you make the decision...
Did you mean go and "and. shred"?
I had been leaning in the shred direction myself for the last couple of weeks until now. Just looking to get some good HONEST opinions of them! (Cred-1)
Trash it, I have been receiving them in the mail too, but its not a quality card and its seem like it is sub-prime. Just wait and something better will come
i wouldnt. creditone will charge you fees for everything. as one has mentioned, you have a prime card and can get more. i assume you are financially stable and not desperate for credit so don't do it. its a waste of time and money, and obviously a wannabe/ripoff of capital one.
if you want a knock around card get a capitalone instead. they are conservative lenders but your card has a chance to grow. with creditone, it wont grow an inch. its designed for people with bad credit and will stay that way.
STAY FAR AWAY.
Yep...i went from credit one offers to merrick bank, to citi diamond preferred and then amex green. when i got the amex green preapproval, i knew my rebuilding as over lol!
just kidding..im still building..came a long way. score now in the 650's because of app spree. that leads me to another point. dont get a HP unless the card is worth one.
@JMills wrote:Trash it, I have been receiving them in the mail too, but its not a quality card and its seem like it is sub-prime. Just wait and something better will come
Why is everyone so down on Creditone? There is a time and place for all of these cards and this is a rebuilder. I got one for the sock drawer/back-up card. I was approved for $1,500 instantly and now it helps provide a utilization buffer for my cap one card that is my daily card.
If you already have a bunch of cards and can pick and choose your relationships shread it. If you are starting the fees are high, the bar is low. It is not the best card but IMO it has it's place.