GOT MY 1ST PRE APPROVAL IN THE MAIL FROM CREDIT ONE, SHOULD I TAKE IT

[newhouse2013]

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@sumthin28 wrote:

are you serious? If thats the case I am going to call and complain because i was not joking...my account shows 9$ balance and 84$ available credit and I made the payment on the 27th

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My updating is all over the place...one month it only takes a day or two to update and others it takes a couple of weeks...who knows.  I only use that card for myfico monthly subscription and pay it off each month, I plan on closing it after I get a house and apply for a better card. 

[Anonymous]

It's not so bad it's billed $8 a month.....just dont carry a balance, and even if you do it's still not that bad. ive had one for a while now. i got the up to 1000 limit and recieved one for 400,,,,so dont take that at face value....they usually start people with 300-500 limits. I'm with myjourney,wait and get a good card!!!

[HiLine]

What a coincidence! I got a Credit One pre-approval in the mail as well! 

... You know a pre-approval is not an approval right?

Anyway, I'm not sure if Credit One has as bad a reputation as First Premier. It's always a good idea to get rid of a First Premier card after you can get other cards, but I don't know if replacing First Premier with Credit One would be that helpful.