credit one platinum visa

Credit One Platinum Visa Credit Cards · Platinum Visa for Rebuilding Credit Annual Fee: $75 first year, then $99 annually · Platinum Rewards Visa Annual Fee: $95. The Credit One Bank® Platinum Rewards Visa is an unsecured card for consumers with fair to good credit that are looking to continue. Discover & Compare all Barclaycard Credit Cards - Travel, Hotel, Retail, Cashback & Airline rewards.

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CreditOne Visa Platinum Credit Card Review. (Bad Credit ok)

Credit one platinum visa -

If you have bad credit and are looking to boost your credit score, but don’t have the money for a security deposit, the Credit One Bank Visa for Rebuilding Credit can be a decent option, especially if you still want to earn rewards. The card carries a high annual fee, but you’ll continue to improve your credit with regular opportunities to increase your credit line.

No security deposit

In most cases, credit-building cards require a security deposit of at least $300 and only match your initial credit limit to what you contribute. But with the Credit One Bank Platinum Visa, you don’t have to make a deposit and will receive a minimum credit limit of $300.

While this is not a very high limit to start with, your account will be automatically reviewed for credit line increases regularly. As long as you make your payments on time and don’t carry a balance, you should be able to increase your limit without a hefty deposit.

High annual fees

One major downside to the Credit One Bank Platinum Visa is that you will need to pay a high annual fee. You’ll be charged a fee of $75 in your first year and $99 per year ($8.25 per month) every year after that. Given the $300 minimum starting credit limit, the cost of holding this card is likely to eclipse any cash back rewards you earn.

If you don’t want to sign up for an annual fee,  you may instead want to opt for a secured card, such as the Capital One Platinum Secured Credit Card. That card only requires a $49 minimum deposit, but still offers a credit limit of at least $200.

High APR

The Credit One Bank Visa assigned all cardholders a variable APR of 23.99%, so if you don’t manage to pay off your balance in full each month, you could end up paying quite a bit in interest.

Customizable cash back rewards

One of the great features of the Credit One Bank Visa is the cash back rewards program. Even with a lower credit score, you’ll have the opportunity to earn 1 percent cash back on eligible purchases. Once you are approved for the card, you’ll choose between six categories of rewards programs which include cash back for gas, groceries, phone services, dining, automotive purchases and more. This lets you choose the categories that work best for you and maximize your reward potential.

Benefits that help manage your credit

On top of cash back rewards, the Credit One Bank Visa offers perks such as $0 fraud liability and a free monthly credit score and credit report through Experian. This is a great resource for those trying to build their credit, since you can keep a close eye on your progress.

The Credit One Bank Visa also offers optional credit protection in case of involuntary unemployment or disability, although it does come at an extra charge.  The plan costs $.96  for every $100 of new balance, which can add up quickly if you are making significant charges. If you choose to invest in this option, you should expect to need it.

Additional fees and penalties

In addition to the annual fee, the Credit One Bank Visa has a few other charges to look out for when choosing this card. For cash advances, there is a fee of $5 or 8 percent of the amount of each transaction (whichever is greater) as well as a 23.99% APR (variable). You’ll also be charged 3 percent on all foreign transactions. If you are looking for a card to use while you travel, this might not be the best choice for you.

Other fees for this card include a $19 annual charge to add an authorized user, a $1 minimum on interest charges and up to a $39 fee for late or returned payments.

Great approval odds

The Credit One Bank Visa is a great credit building option, with a recommended credit score of 300-670. Even if you aren’t sure you’ll get approved, you can see if you pre-qualify on the Credit One website without hurting your credit score.

Why get the Credit One Bank Visa for Rebuilding Credit?

  • You have bad to fair credit.
  • You can’t afford or don’t want to pay a security deposit.
  • You are willing to invest in an annual fee to build your credit.
  • You want to earn cash back rewards in the best categories for you.

How to use the Credit One Bank Visa for Rebuilding Credit:

  • Make your payments on time to avoid high interest charges and increase your chances for a higher credit limit.
  • Use this card for purchases within your rewards program to maximize cash back.
  • Take advantage of your monthly credit report to keep an eye on your credit-building progress.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

Источник: https://www.creditcards.com/reviews/credit-one-bank-visa-credit-card-review/

Credit One Bank® Platinum Visa® for Rebuilding Credit

The Credit One Bank Platinum Visa for Rebuilding Credit offers very little in terms of rewards, benefits, and transparency. It should probably only be considered as a last resort.

Your credit limit will range from $300 to $3,000, and your annual fee will reduce your available credit until you pay it. Your annual fee is based on Credit One’s judgement of your creditworthiness, anywhere from $75 for the first year. After that, $99 annually ($8.25 per month).

You’ll earn 1% cash back on gas, groceries, and internet/phone services, but this pales in comparison to most cards which offer 1% cash back, at least, on every purchase.

This card does offer Zero Fraud Liability and it reports to the three major credit bureaus, Equifax, TransUnion, and Experian — so if you use the card responsibly it can help you rebuild your credit, but you may have to jump through some hoops.

To learn more about Credit One Bank and why we recommend alternatives to this card, check out our post: Credit One vs. Capital One: Beware! They Are Very Different

Источник: https://www.creditcardinsider.com/credit-cards/credit-one/credit-one-bank-platinum-visa-rebuilding-credit/

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Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services.

Personal loans: for personal (unsecured) loans, MBNA Limited:

  • Works exclusively with Lloyds Bank plc.
  • Is a credit broker and not the lender.

MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

For credit cards and loans, the interest rate offered to you will also be based on this assessment.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information.

 

 

Источник: https://www.mbna.co.uk/

Credit One Bank® Unsecured Platinum Visa®

To that end, you should know that many advertisers pay us a referral fee if you purchase products after clicking links or calling phone numbers on our website.

ConsumersAdvocate has partnered with CardRatings, among other companies, for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers. For example, ConsumersAdvocate.org receives a commission from Citi when you apply and are approved for a Citi product through the links on this site.

The following companies are our partners in Credit Cards: ABOC Platinum Rewards Mastercard®, The Business Platinum Card® from American Express, Chase Ink Business UnlimitedSM Credit Card, Chase Ink Business Preferred® Credit Card, Chase Ink Business CashSM Credit Card, Chase Sapphire Preferred® Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Blue Cash Preferred® Card from American Express, Capital One Platinum Credit Card, Credit One Bank® Unsecured Platinum Visa®, Green Dot primor® Visa® Gold Secured Credit Card, Capital One Quicksilver One Cash Rewards Credit Card, Green Dot primor® Mastercard® Classic Secured Credit Card, Journey Student Rewards from Capital One, Total Visa® Card, Mastercard® Black Card™, Gold Delta SkyMiles® Credit Card from American Express, Wells Fargo Propel American Express® Card, Chase Sapphire Reserve® Credit Card, PenFed Power Cash Rewards Visa Signature® Credit Card, PenFed Platinum Rewards Visa Signature® Credit Card, PenFed Gold Visa® Credit Card, Jasper Mastercard® Credit Card, American Express® Business Gold Credit Card, Blue Cash Everyday ® Credit Card from American Express, American Express® Gold Credit Card, U.S. Bank Altitude® Go Visa Signature® Credit Card, Hilton Honors American Express Credit Card, Capital One Venture Rewards Credit Card, Petal® 1 "No Annual Fee" Visa® Credit Card, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, U.S. Bank Visa® Platinum Card, and SoFi Credit Card.

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these companies.

Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

To find out more about how we make money and our editorial process, click here.


Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services.

Источник: https://www.consumersadvocate.org/credit-cards/c/credit-one-bank-unsecured-platinum-visa

iPhone Screenshots

Description

Conveniently manage your credit card accounts with the Credit One Bank Mobile App. Schedule payments and review account activity, balances, payment history, offers, and more!

FAST AND SECURE ACCOUNT ACCESS
Fast and secure sign-in with Face ID® and Touch ID® (available on capable devices) 
Use Quick View to see a snapshot of your account without signing in

ENJOY ON-THE-GO ACCOUNT ACCESS
Schedule, edit, or cancel payments
Change your payment due date
Check your balance and available credit, and view recent transactions or monthly statements
Access your Free Online Experian Credit Score 
Manage your profile and account settings
Easily manage multiple accounts
Enroll in paperless documents and statements to keep your account information secure and ensure important communications won't get lost in the mail

OFFERS & DEALS
View the latest offers and More Cash Back Rewards on purchases at participating merchants 
View exclusive credit card offers

STAY INFORMED
Easy access to Help & Support contact information
Use our chat feature for instant answers to your questions
View a full list of frequently asked questions and answers
Choose how you get alerts, including mobile notifications, email, and text
Set up notifications for important account activity, payment reminders, and special offers 
Get notified when rewards and exclusive credit card offers are available
Receive alerts of fraudulent activity is suspected on your account

This release includes answers to frequently asked questions about the new AutoPay feature. We’ve also fixed a few bugs to improve your experience, including resolving an error that was preventing users who rely on voice over service from making a payment in the app.

Ratings and Reviews

4.7 out of 5

940.5K Ratings

GREAT option for credit-challenged people

I've read reviews about poor customer service, lack of contact, etc...I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and LOVE them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there...and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One...and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.

Decent for starter card, app is basic

I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.

We're working to make the mobile app experience the best around. We'll share your feedback and suggestions with our app developers. Thanks for taking the time to let us know about your experience.

Little improvement

Now when you log out of the app the finger print reader doesn’t auto launch itself so that when you touch the home button to close the app, you don’t accidentally log back in to the app. However the way this bank operates suggest to me that they have a vested interest in keeping you credit score down. For example if you pay off the full balance on your account hoping to see a zero balance on your credit file, you are wrong. The monthly fee for using the card which you can not pay in advance at the time you are paying off your balance is charge on the first day of the billing cycle which is the very same day that they update your credit report. So practically, it doesn’t matter how well you pay your balance in full on time, your credit file will always show a balance from Credit One. That small balance does have an impact on your credit especially when you are dealing with creditors who are looking at your credit file very critically either because of pass history or the reason for which you are applying for credit. Credit One is not the best card for rebuilding credit. If one is going to use this card because its the only thing available to them, one will have to very careful and watchful as to how the card affects their credit. The goal should be to get out as soon as possible.

We're working to make the mobile app experience the best around. We'll share your feedback with our developers. Thanks for taking the time to let us know about your experience.

The developer, Credit One Bank, N.A., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
Credit One Bank, National Association

Size
112.7 MB

Category
Finance

Compatibility
iPhone
Requires iOS 12.0 or later.
iPod touch
Requires iOS 12.0 or later.

Age Rating
4+

Copyright
© 2021 Credit One Bank, N.A. All Rights Reserved. Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

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Источник: https://apps.apple.com/us/app/credit-one-bank-mobile/id1128712763

Credit One Bank Platinum Visa for Rebuilding Credit Review [2021]: Confusing Rewards, Unclear Fees

Have you damaged your credit and need a way to fix it? Or perhaps you’re building your credit for the first time and haven’t established a strong credit history yet. The Credit One Platinum Visa for Rebuilding Credit is designed to help people like you by offering a low-limit credit line and helping to establish responsible repayment practices.

Who should get this card?

The Credit One Platinum Visa for Rebuilding Credit can help people who have a poor financial history — or none at all.

If you haven’t established good credit yet or have damaged your credit in the past, this card could be an easy way to start the rebuilding process. Many people opt for secured credit cards when trying to rebuild credit, but those normally requires a cash deposit. However, Credit One has created an unsecured credit card built for the same purpose.

This Credit One card has a low credit limit to start, but this can be increased over time by practicing responsible spending and paying off your card on time each month. Once you’ve improved your credit, though, there may be other credit cards better suited for you that have a lower annual fee or provide more rewards.

Unfortunately, the exact terms of this Credit One card aren’t very clear at the start. You won’t know what credit card you’ll receive or what cashback rewards you’ll qualify for until you’re approved.

People looking for unsecured credit cards with low annual fees might are any grocery stores open today on christmas to avoid this Credit One option. The annual fee for this card is $99 ($75 for the first year; after that, $99 billed at $8.25 per month).

Card basics

Card Issuer Credit One Bank
Annual Fee $99   ($75 for the first year; after that, $99 billed at $8.25 per month)  
Recommended Credit Score Bad, Poor credit one platinum visa Transaction Fee Either $1 or 3%, whichever is greater

Top card benefits

  • Simple rewards: Credit One’s rewards are easy to understand once you’ve been approved for a card and are assigned a specific cashback rewards program. It has four different options based on your creditworthiness, most of which offer just 1% cash back on eligible gas and grocery purchases and mobile phone, internet, cable and satellite TV services. Cashback rewards come in the form of automatic statement credits.
  • Automatic credit line increases: The minimum credit line is $300. Regardless of what credit line you first qualify for, you can receive increases based on your credit performance. Being a responsible spender will help you score a bigger credit line.
  • Choose your payment date: If you don’t like your bill’s due date and want to switch it, you can. Simply contact Credit One after your initial billing period and ask for it to be changed. Your new due date must be at least six days before or after the original assigned date.
  • Free access to your credit score: When you’re approved for a Credit One credit card, you receive access to a free monthly Experian ScoreX Credit Score. You must register online for account access. Knowing and understanding your credit score is important as a consumer, especially if you’re working to improve your credit.
  • More rewards: Besides Credit One’s cashback programs, cardholders can earn more cash back through online shopping. Some participating merchants offer up to 10% in cashback rewards. Credit One’s online shopping portal includes many of the top retailers in the country.

Earning & redeeming

Best ways to earn

Credit One’s cashback rewards program is interesting to say the least. You can prequalify for a card, which performs a soft credit pull. This will show you what card options you qualify for, including which of its four cashback programs you’ll receive. However, there’s no guarantee when you actually apply that you’ll get the same option.

As mentioned above, there are four cashback credit card options for the Credit One Bank Unsecured Visa for Rebuilding Credit. You’ll be assigned one by Credit One based on your creditworthiness. The available programs are:

  • 1.0% cash back on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV service
  • 1.0% cash back on eligible gas, groceries, dining, mobile phone service, internet service, and cable and satellite TV services
  • 1.1% cash back on eligible cancel capital one debit card, plus 1.0% cash back on other eligible purchases
  • 1.0% cash back on all eligible purchases

The 1.1% cash back rate is better than nothing but isn’t as much as what’s offered by more popular cashback cards. Many of those credit cards require a better credit score, though.

Another way to earn major cash back is through Credit One’s More Rewards program. This is an online shopping portal attached to your Credit One account. The portal includes many popular retailers, which offer up to 10% cash back on purchases. If you shop online often, this could be a lucrative way to earn more rewards with Credit One.

Maximizing your redemptions

There’s no work needed on your end when it comes to redeeming your Credit One cashback rewards. Cash back comes in the form of automatic statement credits, which are applied to your account balance as you spend. There are no other redemption options available with the Credit One Platinum Visa for Rebuilding Credit.

Common questions

How does the Credit One Bank Unsecured Visa help you build credit?

As you make purchases with your unsecured credit card and responsibly pay off your card balance, you should start to improve your credit. Having good credit can be the difference in being approved during many of life’s big financial decisions. It can also help you qualify for better terms and rates later on.

How do I request a credit line increase with Credit One Bank?

Cardholders may be able to contact Credit One to request a review of their account. Credit One also performs account reviews regularly, but the frequency of this is unclear.

What credit limits does Credit One offer?

The minimum credit line offered by Credit One is $300. However, based on your creditworthiness, you may score a higher credit line.

Is Credit One Bank a legitimate company?

Credit One is a bank insured by the FDIC (Federal Deposit Insurance Corporation) that does business online exclusively. There are over 10 million Credit One cardholders, according to the company. Despite not having brick-and-mortar locations, it’s a legitimate company.


Other cards to consider

Another credit card designed to rebuild credit is the Citi Secured Mastercard. Unlike Credit One’s option, this Citi card has a $0 annual fee stubhub contacto mexico all users. However, it requires a security deposit, which will be refunded when you close the card if your account is in good standing. This card helps build credit history with all three credit bureaus. 

The Capital One QuicksilverOne Cash Rewards Card bank of america fraud department phone number debit card another good option for building credit. Its $39 annual fee could end up being less than Credit One’s fee. Cardholders are rewarded with unlimited 1.5% cash back on every purchase. The QuicksilverOne also allows people to receive a higher credit limit over time with a history of on-time payments.

Author Details

Kevin Payne

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind FamilyMoneyAdventure.com, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.

More posts from Kevin Payne >

Источник: https://financebuzz.com/credit-one-bank-platinum-visa-for-rebuilding-credit

Credit One Bank® Platinum Rewards Visa Card 2021 Review

Earning Rewards

Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year. You’ll earn 1% in the bonus categories after the cap is met, plus 1% cash back rewards on all other purchases. Note that purchases made at warehouse clubs like Sam’s and Costco and discount supercenters like Walmart and Target do not qualify as grocery purchases.

Credit One Bank Platinum Rewards Visa also provides access to the More Cash Back Rewards program. Purchases from participating merchants could earn up to 5% back. These merchants are not disclosed until you become a cardholder, so additional rewards may not be significant for your circumstances.

Depending on your creditworthiness, you could qualify for additional rewards or cards not reviewed here. It is worth noting that, if your account is in default (as defined by the Card Agreement), you will not earn rewards for credits posted during that period.

Redeeming Rewards

Rewards are automatically applied as a statement credit for all qualifying purchases and will post to your account within 90 days. While the rewards are referred to as cash back, you cannot request a check or direct deposit.

Rewards Potential

Your credit line is likely to be the greatest limiting factor in your rewards potential. Your unique credit score will determine your credit limit. The minimum possible credit limit available is $500. You should also note that annual fees will be applied to your first bill and will reduce your available credit by that amount.

For instance, if your annual fee is $95 and your credit limit is $500, your available credit for your first month will be $405. If you maintain a $500 limit throughout the year and max out the 5% earning rate on qualifying purchases while paying off your balance each month, your max rewards would be $250.

You are not likely to rack up rewards while your limit remains low. It is, however, a good way to offset the annual fee of the card. Note that carrying a card balance will further reduce your rewards potential because interest charges will quickly outweigh the value of any cash back earned.

Through responsible usage, your credit limit is likely to rise over the course of the year. Credit One will re-evaluate your credit line on a regular basis. Credit One Bank doesn’t disclose the maximum credit limit it extends for this card. But with an annual fee of $95 you would need to make $1,900 in purchases eligible for 5% cash back over the course of the year to negate the annual fee expense.

The qualifying eligible purchases may further limit potential rewards. The average household spends approximately $7,950 on gas, groceries, and cell/internet services. Cable and satellite TV services were omitted to allow you to adjust for your unique situation. Assuming 100% of such expenses are charged to this card, kimber micro 9 owb holster annual card rewards would be credit one platinum visa your initial credit limit is below $500, it is not possible to charge 100% of the estimated purchases above, but you should be able to get the most value out of the 5% categories. If you are a single person household, use public transportation or have a short commute, your rewards potential may drop even more. Also, if you regularly shop for groceries at Costco, Target, or Walmart, your purchases would earn 1% rather than 5%.

In short, consider the rewards on this card the icing on the cake while you work to improve your credit score.

Источник: https://www.forbes.com/advisor/credit-cards/reviews/credit-one-bank-visa-credit/

Credit One Bank® Platinum Visa® for Rebuilding Credit

The Credit One Bank Platinum Visa for Rebuilding Credit offers very little in terms of rewards, benefits, and transparency. It should probably only be considered as a last resort.

Your credit limit will range from $300 to $3,000, and your annual fee will reduce your available credit until you pay it. Your annual fee is based on Credit One’s judgement of your creditworthiness, anywhere from $75 for the first year. After that, $99 annually ($8.25 per month).

You’ll earn 1% cash back on gas, groceries, and internet/phone services, but this pales in comparison to most cards which offer 1% cash back, at least, on every purchase.

This card does offer Zero Fraud Liability and it reports to the three major credit bureaus, Equifax, TransUnion, and Experian — so if you use the card responsibly it can help you rebuild your credit, but you may have to jump through some hoops.

To learn more about Credit One Bank and why we recommend alternatives to this card, check out our post: Credit One vs. Capital One: Beware! They Are Very Different

Источник: https://www.creditcardinsider.com/credit-cards/credit-one/credit-one-bank-platinum-visa-rebuilding-credit/

Credit One Bank® Unsecured Platinum Visa®

To that end, you should know that many advertisers pay us a referral fee if you purchase products after clicking links or calling phone numbers on our website.

ConsumersAdvocate has partnered with CardRatings, among other companies, for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers. For example, ConsumersAdvocate.org receives a commission from Citi when you apply and are approved for a Citi product through the links on this site.

The following companies are our partners in Credit Cards: ABOC Platinum Rewards Mastercard®, The Business Platinum Card® from American Express, Chase Ink Business UnlimitedSM Credit Card, Chase Ink Business Preferred® Credit Card, Chase Ink Business CashSM Credit Card, Chase Sapphire Preferred® Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Blue Cash Preferred® Card from American Express, Capital One Platinum Credit Card, Credit One Bank® California bank and trust albany ca Platinum Visa®, Green Dot primor® Visa® Gold Secured Credit Card, Capital One Quicksilver One Cash Rewards Credit Card, Green Dot primor® Mastercard® Classic Secured Credit Card, Journey Student Rewards from Capital One, Total Visa® Card, Mastercard® Black Card™, Gold Delta SkyMiles® Credit Card from American Express, Wells Fargo Propel American Express® Card, Chase Sapphire Reserve® Credit Card, PenFed Power Cash Rewards Visa Signature® Credit Card, PenFed Platinum Rewards Visa Signature® Credit Card, PenFed Gold Visa® Credit Card, Jasper Mastercard® Credit Card, American Express® Business Gold Credit Card, Blue Cash Everyday ® Credit Card from American Express, American Express® Gold Credit Card, U.S. Bank Altitude® Go Visa Signature® Credit Card, Hilton Honors American Express Credit Card, Capital One Venture Rewards Credit Card, Petal® 1 "No Annual Fee" Visa® Credit Card, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, U.S. Bank Visa® Platinum Card, and SoFi Credit Card.

We sometimes offer premium or additional placements on our website and in our marketing credit one platinum visa to our advertising partners. Partners may influence their position on our website, including the order in which they appear on the page.

For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.

If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not credit one platinum visa reviewed, approved or otherwise endorsed by any of these companies.

Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Any reference in this website to third party trademarks is to identify the corresponding third party goods and/or services.

Источник: https://www.consumersadvocate.org/credit-cards/c/credit-one-bank-unsecured-platinum-visa

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Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations credit one platinum visa, Register Number: 204487 for the provision of payment services.

Personal loans: for personal (unsecured) loans, MBNA Limited:

  • Works exclusively with Lloyds Bank plc.
  • Is a credit broker and not the lender.

MBNA is a credit one platinum visa style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

For credit cards and loans, the interest rate offered to you will also be based on this assessment.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information.

 

 

Источник: https://www.mbna.co.uk/

If you have bad credit and are looking to boost your credit score, but don’t have the money for a security deposit, the Credit One Bank Visa for Rebuilding Credit credit one platinum visa be a decent option, especially if you still want to earn rewards. The card carries a high annual fee, but you’ll continue to improve your credit with regular opportunities to increase your credit line.

No security deposit

In most cases, credit-building cards require a security deposit of at least $300 and only match your initial credit limit to what you contribute. But with the Credit One Bank Platinum Visa, you don’t have to make a deposit and will receive a minimum credit limit of $300.

While this is not a very high limit to start with, your account will be automatically reviewed for credit line increases regularly. As long as you make your payments on time and don’t carry a balance, you should be able to increase your limit without a hefty deposit.

High annual fees

One major downside to the Credit One Bank Platinum Visa is that you will need to pay a high annual fee. You’ll be charged a fee of $75 in your first year and $99 per year ($8.25 per month) every year after that. Given the $300 minimum starting credit limit, the cost of holding this card is likely to eclipse any cash back rewards you earn.

If you don’t want to sign up for an annual fee,  you may instead want to opt for a secured card, such as the Capital One Platinum Secured Credit Card. That card only requires a $49 minimum deposit, but still offers a credit limit of at least $200.

High APR

The Credit One Bank Visa assigned all cardholders a variable APR of 23.99%, so if you don’t manage to pay off your balance in full each month, you could end up paying quite a bit in interest.

Customizable cash back rewards

One of the great features of the Credit One Bank Visa is the cash back rewards program. Even with a lower credit score, you’ll have the opportunity to earn 1 percent cash back on eligible purchases. Once you are approved for the card, you’ll choose between six categories of rewards programs which include cash back for gas, groceries, phone services, dining, automotive purchases and more. This lets you choose the categories that work best for you and maximize your reward potential.

Benefits that help manage your credit

On top of cash back rewards, the Credit One Bank Visa offers perks such as $0 fraud liability and a free monthly credit score and credit report through Experian. This is a great resource for those trying to build their credit, since you can keep a close eye on your progress.

The Credit One Bank Visa also offers optional credit protection in case of involuntary unemployment or disability, although it does come at an extra charge.  The plan costs $.96  for every $100 of new balance, which can add up quickly if you are making significant charges. If you choose to invest in this option, you should expect to need it.

Additional fees and penalties

In addition to the annual fee, the Credit One Bank Visa has a few other charges to look out for when choosing this card. For cash advances, there is a fee of $5 or 8 percent of the amount of each transaction (whichever is greater) as well as a 23.99% APR (variable). You’ll also be charged 3 percent on all foreign transactions. If you are looking for a card to use while you travel, this might not be the best choice for you.

Other fees for this card include a $19 annual charge to add jamaican food boston authorized user, a $1 minimum on interest charges and up to a $39 fee for late or returned payments.

Great approval odds

The Credit One Bank Visa is a great credit building option, with a recommended credit score of 300-670. Even if you aren’t sure you’ll get approved, you can see if you pre-qualify on the Credit One website without hurting your credit score.

Why get the Credit One Bank Visa for Rebuilding Credit?

  • You have bad to fair credit.
  • You can’t afford or don’t want to pay a security deposit.
  • You are willing to invest in an annual fee to build your credit.
  • You want to earn cash back rewards in the best categories for you.

How to use the Credit One Bank Visa for Rebuilding Credit:

  • Make your payments on time to avoid high interest charges and increase your chances for a higher credit limit.
  • Use this card for purchases within your rewards program to maximize cash back.
  • Take advantage of your monthly credit report to keep an eye on your credit-building progress.

Our reviews and best card recommendations are based on commercial property management cincinnati objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

Источник: https://www.creditcards.com/reviews/credit-one-bank-visa-credit-card-review/

iPhone Screenshots

Description

Conveniently manage your credit card accounts with the Credit One Bank Mobile App. Schedule payments and review account activity, balances, payment history, offers, and more!

FAST AND SECURE ACCOUNT ACCESS
Fast and secure sign-in with Face ID® and Touch ID® (available on capable devices) 
Use Quick View to see a snapshot of your account without signing in

ENJOY ON-THE-GO ACCOUNT ACCESS
Schedule, edit, or cancel payments
Change your payment due date
Check your balance and available credit, and view recent transactions or monthly statements
Access your Free Online Experian Credit Score 
Manage your profile and account settings
Easily manage multiple accounts
Enroll in tiny homes for sale in raleigh nc documents and statements to keep your account information secure and ensure important communications won't get lost in the mail

OFFERS & DEALS
View the latest offers and More Cash Back Rewards on purchases at participating merchants 
View exclusive credit card offers

STAY INFORMED
Easy access to Help & Support contact information
Use our chat feature for instant answers to your questions
View a full list of frequently asked questions and answers
Choose how you get alerts, including mobile notifications, email, and text
Set up notifications for important account activity, payment reminders, and special offers 
Get notified when rewards and exclusive credit card offers are available
Receive alerts of fraudulent activity is suspected on your account

This release includes answers to frequently asked questions about the new AutoPay feature. We’ve also fixed a few bugs to improve your experience, including resolving an error that was preventing users who rely on voice over service from making a payment in the app.

Ratings and Reviews

4.7 out of 5

940.5K Ratings

GREAT option for credit-challenged people

I've read reviews about poor customer service, lack of contact, etc.I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and Credit one platinum visa them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there.and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One.and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.

Decent for starter card, app is basic

I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other i ll be there for you friends cifra such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.

We're working to make the mobile app experience the best around. We'll share your feedback and suggestions with our app developers. Thanks for taking the time to let us know about your experience.

Little improvement

Now when you log out of the app the finger print reader doesn’t auto launch itself so that when you touch the home button to close the app, you don’t accidentally log back in to the app. However the way this bank operates suggest to me that they have a vested interest in keeping you credit score down. For example if you pay off the full balance on your account hoping to see a zero balance on your credit credit one platinum visa, you are wrong. The monthly fee for using the card which you can not pay in advance at the time you are paying off your balance is charge on the first day of the billing cycle which is the very same day that they update your credit report. So practically, it doesn’t matter how well you pay your balance in full on time, your credit file will always show a balance from Credit One. That small balance does have an impact on your credit especially when you are dealing with creditors who are looking at your credit file very critically either because of pass history or the reason for which you are applying for credit. Credit One is not the best card for rebuilding credit. If one is going to use this card because its the only thing available to them, one will have to very careful and watchful as to how the card affects their credit. The goal should san jose airport terminal b to get out as soon as possible.

We're working to make the mobile app experience the best around. We'll share your feedback with our developers. Thanks for taking the time to let us know about your experience.

The developer, Credit One Bank, N.A., indicated fnb internet banking login page south africa the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your union bank of california sunnyvale. Learn More

Information

Seller
Credit One Bank, National Association credit one platinum visa

Size
112.7 MB

Category
Finance

Compatibility
iPhone
Requires iOS 12.0 or later.
us bank official app iPod touch
Requires iOS 12.0 or later.

Age Rating
4+

Copyright
© 2021 Credit One Bank, N.A. All Rights Reserved. Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

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Источник: https://apps.apple.com/us/app/credit-one-bank-mobile/id1128712763

4 Replies to “Credit one platinum visa”

  1. TAMIL SERVER TECH - தமிழ் சர்வர் டெக் says:

    +Abhijeet Bachate no dear..it's fully free

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