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.
Credit One cards are designed primarily for people with bad credit and are fairly easy to get. However, if there are things like unresolved bankruptcies or tax liens on your credit report, Credit One might still reject your application. Otherwise, the odds are in your favor.
Trust me you don’t want a credit card with this company, they’re horrible crooks. After 6 years of having a credit card with them, and building my credit. They go into my bank account and deduct $400 from my checking account without my authorization, even though my monthly payment was sent to them. When I alert them about it they blame it on me, changed their story multiple times and then open up a case to investigate it. Then on top of their mistake of stealing my money, they close the account and then say that I didn’t make my monthly payment and which of course lowers my credit rating, not to mention all the fees I got from them stealing money for my other bills. Trust me find a different credit lender that is reputable and honest, which is not credit one bank. I wish I had!!!
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.
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.
You can check your Credit One application status online, by visiting the application status page on Credit One’s website and entering both your last name and Social Security Number. Credit One will then find your credit card application in its records and tell you whether it is approved, denied or still pending. If you have any trouble, you can call Credit One Bank Application Information at … read full answer(800) 752-5493.
It can take up to 21 days to receive your final Credit One application status: approved or denied. Credit One credit cards are available to people with bad credit, but that doesn’t mean everyone gets approved. It all comes down to what Credit One makes of your credit history and income. If they think the risk of you not paying your bill is too high, you won’t be approved.
Yes. Credit One Bank is a legitimate bank that has been issuing unsecured credit cards for people with limited credit and bad credit since 1984. Credit One Bank has an A- 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.
Proof That Credit One Bank Is Legit
Credit One Bank is a legitimate company, founded in 1984.
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 an A- BBB rating, though 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 $100 million in cash back rewards to cardholders to date. The company also gave $7.5 million to charity in 2019.
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. But a Credit One credit card may or may not be the best option for you. Your choices are the Credit One Bank® Platinum Visa®, the Credit One Bank® Platinum X5 Visa® and the Credit One Bank® Platinum Visa® for Rebuilding Credit. The first two are among the best unsecured credit cards available to people with poor credit. But using a secured card tends to be the least expensive way to build or rebuild credit history. Some good options are the Discover it® Secured Credit Card and the Capital One Platinum Secured Credit Card.
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