Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa®'s Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
16.74% - 24.74% (V)
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ANNUAL FEE
$0 - $99
Credit One Bank® Platinum Visa®'s Additional Info
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MAX LATE FEE
$37
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MAX OVERLIMIT
FEE
None
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MAX PENALTY APR
None
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GRACE PERIOD
0 or 24 Days (see terms)
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ONLINE RESPONSE
No
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CASH ADVANCE
RATE
18.65% - 25.65% (V)
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CASH ADVANCE
FEE
$5.00/8% or $10.00/3%, whichever is greater (see terms)
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FOREIGN
TRANSACTION FEE
3% or $1.00, whichever is greater
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SMART CHIP
Yes, chip-and-signature
- Make paying your bill easier with the ability to choose your payment date. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Zero fraud liability protects you from unauthorized charges
- Monitor your credit with free online access to your credit score
- Show off your style with a premium card design, a fee may apply
- Receive opportunities for credit line increases, a fee may apply
- Email or text alerts to remind you when your payment is due
at Credit One Bank's
secure site
secure site
Editor's Pick
Credit One Bank® Platinum Visa® is an Editor's Pick for:
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If you are interested in the Credit One Bank® Platinum Visa®, check out the following credit cards as well:
Related Credit Card Categories
Credit One Bank® Platinum Visa® is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Credit One Bank® Platinum Visa® to our community.
How can I increase my credit limit?
Reply
Dec 3, 2016
Your account is automatically considered for a higher credit limit based on your credit score and payment history with Credit One Bank. But you can also simply request an increase yourself. To do so, sign into your online account at https://www.creditonebank.com and select “Settings” from the site menu. Then press the “Credit Line Increase” button and follow the steps from there. Just bear in mind that you are unlikely to get approved if you haven’t consistently paid your monthly bills on time. Requesting a higher limit can also trigger a hard inquiry into your credit history, which temporarily hurts your credit score. You can learn more about requesting a credit-limit increase here: http://wallethub.com/edu/how-to-increase-credit-limit/25857/. Please let us know if you have any other questions.
… read more
I just got a credit card for $400 and used it up. How much do I have to pay to get $300 available credit?
Reply
Oct 15, 2015
The easiest way to regain spending power is to pay off some of your balance. If you just got approved for a $400 limit, that would have left you with $325 in available credit considering the card's $75 initial fee. If you then made $325 in purchases, bringing your available credit to zero, you would need to make a $300 bill payment in order to regain $300 in spending power.
It's also important to note that while some credit cards enable you to pay a fee in order to to obtain a higher overall credit limit, this Credit One Visa is not among them. Cardholders are eligible for credit line increases based on performance (e.g. paying bills on time), but you'll likely need to prove yourself for at least six months before this comes into play.… read more
It's also important to note that while some credit cards enable you to pay a fee in order to to obtain a higher overall credit limit, this Credit One Visa is not among them. Cardholders are eligible for credit line increases based on performance (e.g. paying bills on time), but you'll likely need to prove yourself for at least six months before this comes into play.… read more
How often can I make express payments?
Reply
Feb 16, 2017
There is no limit on how often you can make express payments. But a fee of $9.95 will be charged each time you choose the Express Payment option.
There is no fee charged if you choose the Standard Payment option, but it will take up to 5 business days for your funds to become available (vs. 1 day for Express). Plus, you have to transfer funds from a bank account if you go the Standard Payment route, whereas debit/ATM cards and bank accounts also are options with Express.… read more
There is no fee charged if you choose the Standard Payment option, but it will take up to 5 business days for your funds to become available (vs. 1 day for Express). Plus, you have to transfer funds from a bank account if you go the Standard Payment route, whereas debit/ATM cards and bank accounts also are options with Express.… read more
What is the limit that a person with bad credit is usually approved for on a credit card?
Reply
Nov 5, 2013
It depends on the type of card you wish to get, the company that issues it, and your overall credit standing. Most secured credit cards require a refundable security deposit of at least $200 that will serve as your credit line. So for example, if you place a $300 deposit, your credit limit will also be $300. With an unsecured credit card for bad credit, like the Credit One Bank Credit Card, the credit line that you will ultimately get approved for is hard to predict. Credit One will make that determination based on your income, debts, and the exact nature of your credit history.… read more
Do I have to pay a fee every month?
Reply
May 19, 2016
No, this card does not have a monthly fee. The annual fee (if applicable) will be billed to your account when it’s opened and will reduce the amount of your initial available credit. Furthermore, you won’t have to pay any interest if you pay your balance in full each month.
Please let us know if you have any other questions. Best of luck!
Please let us know if you have any other questions. Best of luck!
Credit One Bank® Platinum Visa® Review: Editor’s Take
The Credit One Platinum Visa Card is one of the best options for a very particular type of person: someone with bad credit who needs what amounts to an emergency loan. If, for example, you need credit to cover the cost of vehicle repairs or unexpected medical expenses that you can’t afford in cash, then paying up to $75 in first-year fees for a $300 initial credit line might actually be the most attractive offer you’re going to get. The ability to earn cash back rewards sure doesn’t hurt, either.
With that being said, if you don’t absolutely need emergency spending power, you’re better off placing a refundable deposit on a secured credit card. You’ll get the money back when you close your account, assuming you’ve paid your bill in full, and you should be able to find an offer with no annual fee. Plus, secured cards are just as good for credit building as unsecured cards.
- Good way to get an emergency loan with bad credit. Getting an unsecured credit line can be quite expensive when you have bad credit. But that’s less true for the Credit One Visa. There’s no one-time fee for application processing and no monthly fee. And your first-year annual fee will be at most $75 (up to $99 every subsequent year), depending on your creditworthiness. Given that new cardholders begin with a $300 credit line, you’ll essentially be paying as much as $75 for as little as $225 in immediate spending power with the Credit One Bank Card. After all, the first annual fee is assessed when you open your account, thereby reducing the spending power at your disposal.
- Secured credit cards are much cheaper. If you don’t absolutely need an emergency loan or $225 to $300 in spending power isn’t enough for your needs, you’re better off focusing on improving your credit at the lowest possible cost. That means getting a secured card instead of an unsecured offer such as the Credit One Card. Secured credit cards require a refundable security deposit, the amount of which acts as your spending limit. This reduces both your costs and the issuer’s risk. There are a number of secured cards with no annual fee, and opening one will help you improve your credit score to the point where you can qualify for a decent unsecured card.
- The APR varies widely based on creditworthiness. Your rate could be well above 20% with the Credit One Bank Credit Card, especially if you have damaged credit. But if you have damaged credit, you’ll probably be assigned a rate toward the high end of the range. As a result, you should try to pay for your charges as quickly as possible. WalletHub’s credit card payoff calculator will help you make the best plan for your situation.
- Credit-line increases aren’t guaranteed. Credit One Bank says it will consider cardholders for higher credit limits based on their “overall credit performance.” They don’t elaborate about what you need to do or when you can expect a higher limit. Most cards require at least five consecutive months of on-time payments before considering an increase, but you still shouldn’t get your hopes up.
- Rewards aren’t that helpful. The roughly 1% cash back that you will earn on purchases pales in comparison to the rate at which you’ll have to pay interest. And if you really want rewards, you can do better with a secured card.
Jun 23, 2017
Credit One Bank® Platinum Visa® Reviews
Share your insights and review the Credit One Bank® Platinum Visa®.
Jun 24, 2017
I've had this credit card almost 3 yrs and have never had a problem. Customer service has always been courteous and helpful. If you can wait on the credit line increases, they will eventually give you one free of charge. This usually happens after I use it and getting close to my limit like after Christmas. I just wait then after I get the increase, I pay down the balance.
Comment
Jun 22, 2017
I'm so mad about this card. Me and My husband had for only 2 weeks, I use and I decide to pay off yesterday. Ok To make the express payment they charge you a fee (for you to have the credit available next day), so I pay the fee and this morning the available credit is not available! LIARS!!! I pay extra for nothing! I call customer service and the people are not from here, I couldn't understand the girl and she couldn't understand me, probably from India or other country. She told me the balance will not be available for 5 more days because I pay using my checking account. THEY STILL FROM ME FOR THE EXPRESS PAYMENT and that's it! THE WORSE credit CARD EVER! Don't do it!!! I will wait for the credit be available and I'm calling them to cancel this card! DONT GET ONE YOU WILL REGRET!… read more
Jun 22, 2017
If they had anything less than a 1 star they would get it. No matter how bad you need to rebuild your credit, it is not worth the headache you will have from this company. Heaven forbid you pay early, you will get screwed. Check out Capitol One Quick Silver. They have treated me fantastic.
Jun 22, 2017
I went with Credit One, because my options were limited, having filed bankruptcy they were limited. They offered me a 250 limit, which was great to help rebuild, that's all they are good for. thought the charged me an annual fee of $99. After a year they said they would remove it, only to find out they charge me 9 a month which comes out to more. They are sneaky.
I was charged some fees and fought the charges, they do not bat for you, even when I gave them all the proof they said they could not help, so now I'm stuck paying 400 for services I did not request.
Be careful, and hope no one uses your info cause you will get stuck paying it.… read more
I was charged some fees and fought the charges, they do not bat for you, even when I gave them all the proof they said they could not help, so now I'm stuck paying 400 for services I did not request.
Be careful, and hope no one uses your info cause you will get stuck paying it.… read more
Jun 20, 2017
Don't get credit cards with them they send me a $250 dollar check as a gift for being a loyal customer then they charge my credit card $250 dollars they have just lost me as a loyal customer sticking to my discover instead
Jun 14, 2017
I love my Credit One card, customer service is always nice and I pay my payment on time every month, haven't received a credit increase yet but I am sure I will be getting a surprise real soon...thank you Credit One for giving me a chance to improve my credit.
Jun 12, 2017
avoid this bank. if you call and it does not involve paying another fee they will pretend they can hear you. go with capital one. i accidently applied to these guys think they were cap one. big mistake
Jun 10, 2017
I've had many credit cards in my past and currently have many right now. I have just canceled my account with Credit One Bank. It's the worst credit card experience I have ever had. They charged me 24.65% interest and a $99.00 annual fee. They would also offer pre-appoved credit limit increases of $250.00 for a fee of $14.95. Can you amagine paying for a credit increase on top of extreme interest charges and an annual fee. Because my credit score was in the 700s I called custumer service to see if I could get my interest rate reduced or remove the annual fee. They were charging me $8.25 monthly towards the annual fee. They were willing to remove the monthly annual fee for only 6 months, then I would have to be reviewed again after 6 months. That just demonstrated how greedy this bank is. I paid off the account with Credit One Bank and closed my account. Normally, that would be the END! Not with Credit One Bank. I logged into my account to get my last statement showing a zero balance and the account closed to find a balance of $4.00. I called customer service to question the $4.66 balance. They said it was interest. I thought when you payed a credit card balance off before the next closing date, that was it. You had a zero Balance. It was that final bad experiance with Credit One Bank that triggered this review. I hope it was worth the $4.66. There are a lot of great credit card opportunities available to choose from. Stay away from Credit One Bank if you don't want to get nickel and dimed for having credit with them.… read more
Jun 03, 2017
I prequalified for a $300 credit limit with Credit One in April 2017. Not surprised because my scores went down the drain last year. I used it and made my first payment on 5/27. My new statement just generated and I had an email in my inbox that they gave me a $150 limit increase with no fee. A very nice surprise!
May 25, 2017
I have not received the card yet but wanted to get more information about the card. I call the customer service line and was told they can't tell me anything until I activate the card. The one thing they did tell me was even if I pay it off in fill every month I will still be paying fees. Not one fee multiple fees. I will not activate this card at all until the information has been given. And even then I may not activate it.… read more
May 05, 2017
TERRIBLE CARD! TERRIBLE COMPANY! TERRIBLE CUSTOMER SERVICE!
I did not believe the reviews at first. I thought most were overreactions. I was mistaken. Those people were right. They have malicious practices where they find ways to charge excessive fees. Their customer services is rarely helpful and always hostile.
DON'T APPLY/GET A CARD WITH CREDIT ONE!
I did not believe the reviews at first. I thought most were overreactions. I was mistaken. Those people were right. They have malicious practices where they find ways to charge excessive fees. Their customer services is rarely helpful and always hostile.
DON'T APPLY/GET A CARD WITH CREDIT ONE!
May 03, 2017
Worst customer service, no one is American and their "policies" change with every new person you speak with
Apr 21, 2017
I've had my account for 2 years now and haven't had any problems with the company at all. My credit score was just over 500 when I got started and now it's better than 620. I have kept a high balance on my card since day one but have always made my payments on time and for more than the minimum payment. They gave me a credit increase offer after the first 7 months of on time payments (they did charge a fee) and haven given me 2 more increases since then. I usually make my monthly payment 5 to 10 days before the due date online and have never had a posting problem. So far this card has done what it said it would, and that was help me repair bad/lack of credit.… read more
Apr 12, 2017
Absolutely ridiculous! I heard such good things about this card so I was shocked at the kind of treatment I have gotten. I called to have my payment date changed and the automated system told me that it had to be done 5 days prior so I was fine. A week later a get a call saying that I was late on my payment (the lady was nice though) and I called back that same day asking how I was late when I changed my payment date. The guy that I spoke to said that it would take 2 billing cycles to start(I later got a letter saying that as well but after I was already "late"). I told him that the automated system didn't say that and he responded "maybe you weren't listening". I shrugged it off trying not to start a fight. Got another call a week after saying that they needed to know when I would make a payment and that I said I would make or made a payment on a certain date and I advised that I said "probably" on that date and "$30 or whatever the min payment is" and he took my words and twisted them. After going round with him for 3 mins, trying to get a specific pay date out if me and me not giving one, he hung up on me. Do yourself a favor and stay away! I WILL be closing this card as soon as I pay it off!… read more
Apr 03, 2017
I have asked more than 3 times for my account to be closed. First time they told me it would be done. After 2 months I get a call that my account is past due, the 30 dollar monthly fees, I became a little upset, told the person on the line that I would make the payment online but I had asked for the account to be closed. Then silly me did it again, I took them for their word..... so recently I pull my annual credirect report and what do you know that card it showing over 30 day past due. I have worked extremely hard to repair my credit and this second rate poser credit card company is messing it up. I take the blame because I fell for the offer not paying close attention that it was not Capital One. Which I have 3 credit accounts with, and they are fabulous. Thirty dollars a month fees even if you are not using the card is highway robbery, that is okay, my attorney will be in touch.… read more
Mar 23, 2017
There are a lot of things that I don't like about this card, but if you use it ultra-responsibly in place of funds that you have and almost immediately pay the balance then it's a great springboard to better credit. I had a score in the 500's and a $250 secured card with my bank before I applied for this card less than a year ago. Standard low limit that was quickly upped to $600 within the first few months and that's where it currently stands while I wait for my 1-year mark.
Despite the low limit, I used this in place of my debit card for normal purchases that I would normally have made with my debit card. I would use it until I got to nearly $200 then schedule a payment. Rinse and repeat. I can't stand the amount of time that goes by before the payment posts, but seems how I'm never running near the limit it actually doesn't really affect me. The 1% is also not impressive in any way, but again-this is a card specifically to help build credit and will do exactly that if used properly.
My credit had skyrocketed far enough by using the card this way that at month 7 I applied for a card with better rewards through my bank and was approved for a $2k limit. I used that card the same way and by month 10 I was just approved for a $10k Amex Blue Cash Preferred and a $5k card with a hotel I have elite status in. My credit just crossed the 700 line and I hope the new tradelines will help continue boosting it upwards as I intend on getting a mortgage later this year.
Use your card but be diligent in keeping the limit under 30% and your credit will improve quickly, assuming the rest of your credit use is responsible as well. Once you get approved for something better then just park your card to help your utilization or close the account.… read more
Despite the low limit, I used this in place of my debit card for normal purchases that I would normally have made with my debit card. I would use it until I got to nearly $200 then schedule a payment. Rinse and repeat. I can't stand the amount of time that goes by before the payment posts, but seems how I'm never running near the limit it actually doesn't really affect me. The 1% is also not impressive in any way, but again-this is a card specifically to help build credit and will do exactly that if used properly.
My credit had skyrocketed far enough by using the card this way that at month 7 I applied for a card with better rewards through my bank and was approved for a $2k limit. I used that card the same way and by month 10 I was just approved for a $10k Amex Blue Cash Preferred and a $5k card with a hotel I have elite status in. My credit just crossed the 700 line and I hope the new tradelines will help continue boosting it upwards as I intend on getting a mortgage later this year.
Use your card but be diligent in keeping the limit under 30% and your credit will improve quickly, assuming the rest of your credit use is responsible as well. Once you get approved for something better then just park your card to help your utilization or close the account.… read more
Mar 23, 2017
I personally do not like this card at all. I do realize that it was necessary to get in order to build credit but I strongly believe this card is designed to make you fail. I highly recommend not carrying a balance with this card and do not pay it later than 7 days from your due date because it will take them 5 business days to credit the money paid even though it is taken out of your bank account immediately. You are also not able to add this card to Mint or any other program where you may want to monitor your spending and they rip you off by charging $9.95 to have your payment available by the next day. As soon as I make my large purchase, this card is getting cut up and placed into the garbage can as fast as I can. I do appreciate being able to use it to build credit but honestly, this card sucks. Here is some advice:
1) Do not charge more than 30%
2) Pay your balance in full each month
3) Pay at least 7 business days in advance as you will be to blame for late payments even if you are not technically late.
Good Luck.… read more
1) Do not charge more than 30%
2) Pay your balance in full each month
3) Pay at least 7 business days in advance as you will be to blame for late payments even if you are not technically late.
Good Luck.… read more
Mar 18, 2017
I don't understandif you pay each month, they limit the maximum credit limit you can get, they charge fees and for that they cut you off that sucks
Mar 17, 2017
I mean I guess I understand people complaining about the fees and interest rate. My credit score was around 500. Got approved for this card at $400, charged about $300, made a first payment about $50 over and my credit line increased to $550, one payment. Unfortunately I don't pay off the balance full but I try to do atleast $20 over. Anyway, it's been about 5 months, got a offer to increase it to $750 for $19.95, hey why not? At the end of the day, I know my credit sucks and they gave me a chance. I'm assuming the best thing to do is keep at it for a while longer until my credit gets better then close it. Oh and since then my bank just approved me for a new credit card for $1500. Also, I did something kind of stupid and accepted another card from them with a $1000 limit, didn't activate it yet. Having second thoughts, maybe I can cancel it without any penalty. Anyway, good luck guys.… read more
Mar 01, 2017
got a notice i am eligible for credit increase..... if i pay 14.95. Naw, you can keep that increase, my other cards don't charge me to increase my limit, even Amazon and Walmart just adds it
Feb 26, 2017
I have had the Worst Time Ever in paying my bill on line And logging in. Their System Sucks!!!!!!!!?
Feb 24, 2017
So far so good to build credit i had no problems with it, if you are going to use it just make your payments on time at least 1 wk before due date be responsible. Read everything before you decide to apply and dont complaint about it if you cant pay your bills on time not to be rude but i like to be real.
Feb 24, 2017
They have horrible customer service. DONT ever do the express payment options. They charge $10 to have it credited the next day. And it isn't. I called they said it could take up to 5 business days. It does not say that all when you use that options. I wanted my money back & they wont credit back to my card. Then I wanted to close the account and cancel my card. They wanted to charge me. I told the guy now that's its paid in full i just wont use it. He made a comment that they will charge a fee if the card has a $0 balance for a certain amount of time. I do not recommend this card.… read more
Feb 18, 2017
This is one of the shitty card to get even if you have bad credit and the reason why Is say that you have a pending credit and it doesn't go trough until after your they charged you the monthly interest rate and annual fee then they report your account as maxed out even if it's their fault bc they couldn't wait for your payment to go through before charging your account the monthly fee oh and they always charge these fees days before your account dues.
I wouldn't recommend getting this card period.… read more
I wouldn't recommend getting this card period.… read more
02/18/17
I have also have had them for 2 year and they have not increased my spending limit one single sent even though I always make my payments on time
Feb 08, 2017
Very good bank! I have never missed a payment and was notified of a limit increase after just 6 months. I don't pay any attention to the credit score, because wherever they get it from, it's wrong, but that's what I have WalletHub for.
Dec 28, 2016
They charge you to increase your credit, it is only a few hundred dollars once a year. They charge you an annual fee and an additional user annual fee for each user you have on your account. The credit score they give you is completely wrong and much lower than any other credit score. There customer service is of no help, they speak with accents that are difficult to understand and they hang up on you because there is a bad connection. Worst card ever.… read more
Oct 19, 2016
Love this card except that I pay on it a couple of times a week and you are only allowed so many payments a month. Credit One has been extremely courteous and helpful, with no problems being declined or otherwise. Props to CREDIT ONE BANK VISA!
Aug 23, 2016
I was hit with my career, making commissions only, vending and photography went the way of internet , the earnings were nil. Credit one gave me a chance to rebuild my credit . I did miss payments because of being hospitalized , but I have paid them with regular payments. Great company to do business with. CONS: upfront $99. taken from credit card, leaving less on the credit card.
Jun 20, 2016
I have had the card for over 3 months and it still has yet to show up on any of my credit reports. How long does it take . I have made 2 payments already and have a zero balance.
06/28/16
Sometimes it takes the credit agency awhile to post. But I know that most agencies are behind in their postings. Why?, I don't know. Keep paying on time and eventually TransUnion will begin posting. But remember their postings will be two months behind. Hope this helps.
Jun 13, 2016
Credit one bank
Worst credit card ever.
i call for cancel my credit card before they charge me for annual fees.i call 2 months in advance before a year complete. I have a new credit card whit no anual fee. They told me no to worry, they won't charge me any anual fee. When the time come anual fee apears in my statement. I call back they remove the anual fee and I cancel the credit card. Now they still charge me for anual and maintance fee.
Really bad experience and a rob.
(855) 411-2372
https://www.ftccomplaintassistant.gov… read more
Worst credit card ever.
i call for cancel my credit card before they charge me for annual fees.i call 2 months in advance before a year complete. I have a new credit card whit no anual fee. They told me no to worry, they won't charge me any anual fee. When the time come anual fee apears in my statement. I call back they remove the anual fee and I cancel the credit card. Now they still charge me for anual and maintance fee.
Really bad experience and a rob.
(855) 411-2372
https://www.ftccomplaintassistant.gov… read more
May 28, 2016
This is a complete scam, i have no idea whats going on but i havent received a card , but did get a bill, an email saying i was approved. But another member of my family was told fraud was attempted on them. Ive received over 20 pre approved notifications. Cant sign in , told card doesnt exist but bill for 45 does. If this isnt cleared up i will be making a bold statement about this companies practices after seeing what my lawyer thinks.… read more
May 27, 2016
Since March of 2016, I can truly say I like this credit card. Since having fair credit CreditOne Bank has opened an opportunity to improve my credit ratings.
Because I read about the annual fees, I was well aware of the process. Paid the fee the first month and received an increase the following month FREE. (complimentary)
For those who have complained about the bank have caused their own problems. I have used, paid and receive cash back rewards with no problems. I avoid the APR by paying my balance in full before the due date. I also make sure I use my credit after the closing date to avoid interest rates.
I truly have NO problems with CreditOne Bank.… read more
Because I read about the annual fees, I was well aware of the process. Paid the fee the first month and received an increase the following month FREE. (complimentary)
For those who have complained about the bank have caused their own problems. I have used, paid and receive cash back rewards with no problems. I avoid the APR by paying my balance in full before the due date. I also make sure I use my credit after the closing date to avoid interest rates.
I truly have NO problems with CreditOne Bank.… read more
06/24/16
I have no problem either i dont understand what everyone is talking about horrible company yes high annual rate but thats the price you pay for bad credit
Apr 26, 2016
literally these people are in the stone age yet, the customer service is horrible, they do not qualify for the adjective scammers because how come far exceeds the qualifier, a total disaster. I would not recommend to my worst enemy
01/19/17
fee,s and more fee,s, no grace period at all, 8.45$ A MONTH every month,terrible customer service, you can tell who works for them by there glowing reviews, farce !!
Mar 28, 2016
I haven't had problem with this card never missed payment never late.I've been loyal customer 1 year and no credit increase?They sent me email im due forbone but when i replyed they denied me?Really making me doubt how good they have been?
Mar 19, 2016
This card helped get me started again. Like many of us these days I stumbled and hit hard times and had to declare bankruptcy. These folks accepted me and after a few months of paying on time they immediately doubled my credit line from $300 to $600. I had to interact with support for 2 issues and each time they were responsive and courteous. My only negative is I had to pay a rather large membership fee but in all fairness that has to be expected given the risk they took by granting me a line of credit. I also earn some cash back for my purchases which is a nice bonus. I am very satisfied and as my credit improve I hope to stick with them and see if they will waive the annual membership fee!… read more
Mar 08, 2016
I applied for this card I have fairly bad credit and I wanted to re-establish my credit rating. I was easily approved without having to provide any extra documentation. The APR is very high and there is an annual fee that is deducted immediately when the card is activated. There is also no option for automatic payments. But for those with bad credit, this could be a good card to get back on track to good credit.… read more
Mar 06, 2016
My husband and I have had this card for about 4 months now. Unfortunately, my husband was a victim of the downturn of the economy. He delivers new semi trucks for a living and when the economy turned, truck sales were down and he was laid off for 6 months, which ruined our credit. We actually waited for the kids to leave home before trying to get a card. This offer came in the mail. I read EVERYTHING thoroughly. I ran it past my husband and we decided to go for it. We were approved and got a card with a low limit ($300). After the first month, we got a complimentary $150 increase. We were NOT charged a $75 annual fee when we accepted our card. I never pay the minimum amount due, always more. i go through the website and use our checking account for free and our payment generally posts on the 4th day, which I am not overly concerned about. While I am not wild about the APR, I understand it. It is helping our credit scores move in the right direction. We have 4 credit cards (Merrick Bank, Verve, Credit One and a Capital One). Since getting this card, we have been approved for a revolving charge with a department store. So, with these cards, our car loan, student loans, and the revolving charge we have what lenders call a "healthy mix of credit". We had to almost max the card out when my husband was recently laid off. But, we are not using it except for one recurring charge every month and i am quickly paying down the balance. What people forget is that this card is for rebuilding credit. It is not going to give you an low APR for someone with good credit. While I don't like the APR, I am satisfied so far with the card. Once we can, we will get a low APR card and pay this one off. We will not close the account because that can hurt your credit score. Probably just keep the monthly Hulu Plus payment coming out each month and paying it off immediately. So, for those complaining, maybe you should use your card responsibly. You were offered this card for the same reason we were: you have/had bad credit. Suck it up, pay your dues, and work towards the reward of being approved for a card with a lower APR. Maybe your credit was ruined through no fault of your own or maybe it was totally your fault. Either way, you have to pay your dues before being rewarded.… read more
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Last updated on: June 23rd, 2017 at 19:57
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jun 23rd, 2017 at 19:57 ET