Credit Score: 610 Credit Limit: 300 Age: 18-24

Posted 09/04 2018

When I got this card, I got approved for $300. My annual fee was $75 and from the second year, it was $99 to be paid monthly. I have had this card for over 2 years now and this has been my experience. I used to go close to the limit and many times I carried a balance. After I got a better job, I paid down the balance a lot more and Credit One gave me an automatic increase of $300. Now, my credit limit is $600. I recently got a promotion and decided to pay off my card. Within 2 months, my score has increased by 100 points. Yes, 100 points increase simply because I do not carry a balance now.

For those of you rebuilding and got this card, my advice is to pay off your balance every month. Your score will improve much quicker if you do this. If you continue to carry a balance, you will simply be running around in circles.

 

Credit Score: 603 Credit Limit: 300 Age: 25-34

Posted 08/08 2017

I applied for this card and got approved. The card arrived within 5 days after I accepted. My terms were $35 annual for the first year, then $75 for the second year. I got got a grace period of 25 days (so I guess I am one of the lucky ones). The $35 annual fee came with the first billing statement. I paid it off immediately and also pay off all my balances every billing cycle. Within 3 months, I got a $200 credit line increase to $500.

The terms and conditions are given to you before you accept so you can always not activate the card. They also have a mobile app which helps me monitor what is going on with the card.

 

Credit Score: 615 Credit Limit: 500 Age: 35-44

Posted 07/17 2017

Am in the process of rebuilding and decided to get this card. I got approved with a $35 annual fee, 18.99% APR and a credit limit of $500. The $35 got posted in the first billing statement. I paid it off immediately and was given $150 credit line increase! So immediately, my limit went up to $400.

I have yet to use the card at a gas station so we'll see how the 1% gas cash back goes. I enrolled in the free credit score program (which is free) and I look forward to monitoring my credit score. So far, this card has been ok.

 

Credit Score: 560 Credit Limit: 300 Age: 35-44

Posted 05/05 2017

I have had this card for 9 months and just closed it. When I first applied, my score was 560 and I was given a $300 credit limit. The first bill came and I was given a $75 annual fee, which I paid off immediately. For the first 2 months, I put $50 on the card and paid it off. They then gave me an auto CLI of $200, bringing my limit to $500. I did not have to pay any fee for this increase.

The card is actually ok but for the fact that the version I got had no grace period. So I had to watch it like a hawk. Within 8 months, my score had gone up 100 points. I now have a Cap One with $1000 CL and a couple of no annual fee store cards. Called up customer service to cancel. They obviously tried to keep me but I told then straight up that I wanted to cancel and it was done.

I would say this card is ok to rebuild. Once you get better cards, it is time to move on.

 

Credit Score: 605 Credit Limit: 300 Age: 35-44

Posted 07/14 2016

I got approved for the Credit One Visa with a $75 annual fee and a $300 credit. Unlike others, I did not get any automatic credit line increase. After one year, when I logged into my account, I was offered a Mastercard version with a $45 annual fee, $500 limit and 19.99% apr. I accepted it but after another 6 months, I applied and got a credit one and a barclays apple financing card. I have closed both my Credit One cards and save a ton of fees. It has served it's purpose and it is time to move on.

 

Credit Score: 596 Credit Limit: 300 Age: 35-44

Posted 02/01 2016

I applied for Credit One and got approved for $300 with a $75 AF. I was having second thoughts about this and decided to cancel. The customer rep decided to waive the annual fee! So I guess I am keeping this card for at least a year.

 

Credit Score: 605 Credit Limit: 300 Age: 45-54

Posted 10/13 2015

I knew what I was getting into when I got this card. I had to pay the annual fee after the first billing statement. During the second year, I had to pay the annual fee in installments. I merely spend about $30 a month on the card and pay it off immediately when I get the statements. My score has gone up quite since I got the card and I look forward to the day when it I have a 700 score.

 

Credit Score: 580 Credit Limit: 300 Age: 45-54

Posted 04/03 2015

I went through a divorce and had to rebuild my credit. This card helped me along the way. I did a lot of research before I took the plunge and it turned out that the fees and rates were "OK" compared to others. The app is user friendly and I never had problems paying online. Customer reps were clearly from overseas but I understood them.