"Approved - CL = $850"

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Written by: wildrage2 on 2009-05-16

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wildrage2's review: I got a preapproval in the mail last week and told myself I didn't need it. It has a $60 AF and it says that minimum limit is $200, which according to my experience, is typically what you get. I was surprised to be instantly approved for $850. It does include a free monthly credit score reporting service, which somewhat justifies the annual fee, which is broken down and charged monthly. My scores are about 640 right now because I charged up my cards this month lol. I'm probably at about 70% uitilization. I'm hoping that in a few months when I get them down to 5% I can get my scores up closer to 700.

6 Comments

Comment 1 by patrick12
Black Card on 2009-05-18

Who issues the Black Card if you don't mind me asking? Thanks Patrick
Comment 2 by wildrage2
Credit One on 2009-05-18

Credit One.
Comment 3 by lindalu
70% Utilization on 2009-05-18

Did you apply when your utlization was 70%? mine is about there too right now and I was going to wait until I paid my payments this month to even apply for a card but it takes so long for some cards to report the payments that I may have shot myself in the foot by utilizing them that much this month because now I may get denied a card for high utilization.
Comment 4 by meya
Way To Go! on 2009-05-18

Yeah this a credit one card. Its pretty cool for rebuilding, but whatever you do Wildrage, make sure you mail their payments in because they charge us for making a payment online. They darn near hit you at cap limit, this is the highest I have heard so far. Unfortunately for me, I was hit at... I think $300. Or was it $200? I can't remember... Lol.
Comment 5 by brian23
Great Job Wildrage.... on 2009-05-18

I didn't know either that CreditOne Bank issued limits that high for re-builders. But nonetheless, congrats on the approval...
Comment 6 by eugene66
Congrats! on 2009-05-19

Credit one has four types of cards according to their website... The basic blue... The platinum Visa(which I have) and MasterCard and the black card which is this card. All seem to have an annual fee but I know that the platinum goes beyond the 1k limit because I have a cl of 1400 on it. If you go the their website it has a compare chart to compare all three cards. Since I've been with them,I have received a cli every 6 months so they may vary now.
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