Sure, if I'm ever beyond desperate.

[DeeBee78]

Got an email from CreditOne today.  

Edit: Removed picture. The blur tool didn't get my name masked properly. It was a "we want you back" email. 

[Anonymous]

I hope you jumped right on that, lol!!!!

[Pway]

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@DeeBee78 wrote:

Got an email from CreditOne today.  

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lol

[Anonymous]

I thought my credit was bad enough I had to start rebuilding with Credit One.  Applied and was approved for $400.  But then for some reason I decided to just try for something better and got a Chase Amazon Visa 3k.  I quickly called Credit One and cancelled.  So happy I didn't have to deal with them while rebuilding.

[Anonymous]

Congrats !! I have the Credit One card with $400.00 CL. I opened it as my first unsecured CC. Wished I hadn't. Their fees and no 30 day interest free purchasing are a joke. The only good thing about them is they do report to all 3 CA's and their website is easy to navigate. It's incredible how they charge almost $10.00 to make an "expedited payment" and if you use their free payment system using your checking account it takes about a week until the money is available. Worse yet, they only allow like 3 free online payments a month. The only thing I use this card for is my Netflix $7.99 monthly payment. As soon as it hits, I instantly pay it off.
I truly feel sorry for anyone who must rely on using this card as their only source. It's basically legal loan sharking.

[Girac]

Where's the love Credit One? I closed my card a few months ago and havent received that offer. I feel hurt.

[Anonymous]

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@Anonymous wrote:
Congrats !! I have the Credit One card with $400.00 CL. I opened it as my first unsecured CC. Wished I hadn't. Their fees and no 30 day interest free purchasing are a joke. The only good thing about them is they do report to all 3 CA's and their website is easy to navigate. It's incredible how they charge almost $10.00 to make an "expedited payment" and if you use their free payment system using your checking account it takes about a week until the money is available. Worse yet, they only allow like 3 free online payments a month. The only thing I use this card for is my Netflix $7.99 monthly payment. As soon as it hits, I instantly pay it off.
I truly feel sorry for anyone who must rely on using this card as their only source. It's basically legal loan sharking.

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Well they ARE owned by one of the biggest JDB/CAs in country....

[Anonymous]

Wow. Sounds like they know exactly what they're doing, minimizing their exposure (with extremely low credit limits) and charging fee's and interest at ridiculous rates. I mean having to pay them to actually make a payment ?? Just crazy.

[Anonymous]

If you were trying to conceal your name, you did a bad job. I can still see it 

[Anonymous]

Credit one is at the top of my list to pay off and close. I can't believe that I fell for a card with the credit limit of 300.00 and an annual fee of 99 dollars