You can get Credit One to pre-qualify you for one of their credit cards online, by accessing their pre-qualification page. The process will not hurt your credit score, as Credit One just does a soft inquiry.
If you’re prequalified for a Credit One credit card, your odds of acceptance are typically around 90%, should you decide to apply for real. But approval is not guaranteed. Prequalification simply means you may qualify for one of their cards based on a preliminary review of your credit report. You’ll still have to submit an application. Then, Credit One will pull your entire report. This is done with a “hard pull” or “hard inquiry,” which may cause your credit score to dip slightly.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.… read full answer
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
The easiest way you can check your Credit One application status is online, by visiting the application status page on Credit One’s website and entering both your last name and Social Security Number. Otherwise, you can call the designated Application Information line at (800) 752-5493.
Credit One will find your credit card application in its records and tell you whether it is approved, denied, or still pending. It can take up to 21 days to receive your final Credit One application status: approved or denied.… read full answer
What to Do if Your Credit One Application Gets Rejected
Yes, Credit One Bank is a legit bank that has been issuing unsecured credit cards for people with limited credit and bad credit since 1984. Credit One Bank has a B+ rating from the Better Business Bureau and is considered to be a major credit card company by the market research firm J.D. Power.… read full answer
Some people question whether Credit One is real because it has no physical branch locations, operating online only. Another major reason people might think Credit One Bank might not be a legitimate company is that its name and logo are quite similar to Capital One’s. Both companies are real (and they’re not related). Capital One is just bigger, more well-known and has more credit cards to choose from. And Credit One does not offer financial products aside from credit cards.
Here’s why Credit One Bank is legit:
Credit One Bank is a legitimate company, founded in 1984.
About 10 million people have a Credit One Bank credit card.
Credit One Bank has been accredited by the Better Business Bureau (BBB) since 2011.
Credit One has a B+ BBB rating. The BBB notes a pattern of customer complaints about billing and credit-reporting issues made against the company.
Credit One Bank has paid more than $128 million in cash back rewards to cardholders to date. The company also gave $2.5 million to charity in 2021.
Credit One Bank is among the major credit card issuers included in J.D. Power’s annual U.S. Credit Card Satisfaction Survey. Credit One does rank at the bottom among national issuers, though.
Credit One is a completely separate company from Capital One, even though their logos look similar. And Credit One actually had its logo first.
Credit One is legit. Whether a Credit One credit card is the best option for you depends on your unique financial needs. For example, the Credit One Bank® Platinum Visa® for Rebuilding Credit is considered one of the best unsecured credit cards for bad credit on the market.
Here are some of the best Credit One credit cards:
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