credit one pre approval?

[jdp1]

So I got a pre-approval letter in the mail from credit-one.  I am tryin to rebuild, only have one open secured CC (CL $200) and have been turned down for every cc i've applied.  How often are "pre-approvals" actually approvals?  If I do "accept" the card and they deny it, is it easier to get pushed through the ranks than a normal app?  I've recently decided credit is the devil.  THE DEVIL I SAY!

[Creditaddict]

i got credit one after my bk with no pre approval.

my friend got pre approval and was declined!

not sure what that means.

[jdp1]

Yeah that's exactly what i'm worried about.  One more decline and i'm gonna blow my CR up. lol

[Creditaddict]

i just think they want to see atleast 1 other good account. your in the 600's you should be fine.

i mean they are not that much higher up the chain than say cortrust, but CLI are better and customer service seems to be pretty good... just not sure how much longer i will justify the $6 month, unless they raise my limit another 200

[Creditaddict]

just kidding, just called and I was at 5 months since last increase but they gave me another $100!!!

I know hardly seems exciting but it now is my highest cl SINCE bk not including accounts not included in bk.

$550 is CL now. have had the card since 10-07

[jdp1]

That's not too bad of a deal.  I'd take a $550 CL.  I'd take ANY credit limit right now. 

[Anonymous]

I never heard of Credit One until I read this post. I applied and was approved. The CL is only $250 but, it is a place to start.

[Creditaddict]

people use to post they got a cli after first payment. I didn't get that, but did get $150 at 6 months, and then just got the $100 more i posted earlier at month 11. started at $300.

[Anonymous]

Your scores are much higher than mine. I also have 3 CO, one from Cap One, on my CR. You should be able to get a card.

[dallasjetfan]

Not worth it unless there are no fees IMO.