A right credit card can make it easy for you to repair a poor credit score. In this regards, if you are looking for a place to start, we strongly suggest trying your luck with Accept.CreditOneBank.Com.
When it comes to applying for a good credit card with an average score, the problem arises that not many options are available. If you have not maintained a worthy credit report, most of the lenders will not be willing to do business with you or lend you a card on good terms.
Therefore, most customers with poor score tend to go for secured cards that require a hefty security deposit before opening an account. Unfortunately, not all of us have the resources to do that.
So, what are your options if you wish to be approved for a commendable credit card that can also help you improve your score fast?
Accept.CreditOneBank!
It is an online portal managed by Credit One Bank that sends out pre-approved mail offers to customers that fulfill certain criteria of becoming a cardholder. Furthermore, if you do not receive the offer, you can still visit the portal and apply for the card otherwise.
In this article, we will talk about the options you have with Credit One Bank, how you can apply for the credits cards, and how safe will your personal information be in this case? Without further delay, let’s jump in and explore!
Accept.CreditOneBank Review
Credit One Bank has become one of the most reliable credit card lenders and also an institute that caters well to customers with average credit score.
Not only that!
Credit One credit cards comes come with rewards, cashbacks, discounts, bonus miles, etc. These perks are often not available on cards that are given to customers with an average FICO score.
Credit One promises to be a great partner to anyone who wishes to start their credit card journey as a responsible user. Since the bank reports to the three major credit bureaus, it will let them see your good credit habits, timely payments, and low credit utilization ratio. These would eventually help you win an increased credit line or qualify for better credit cards in the future.
Note! Most of the Credit One credit cards offered at Accept.CreditOneBank allow for automatic increase in credit line after responsibly using it for 6 to 7 months. This means you would not have to go through a long application process for increasing your credit limit.
Another praiseworthy point is that your personal information as a cardholder is completely secure. Accept.CreditOneBank is committed to protecting your identity as well as important personal data. It also offers $0 fraud liablity in case your card is stolen or lost. If somebody else made purchases without your consent, you would not be held accountable for that.
Accept.CreditOneBank – Credit Card Options You Have With Credit One
1. Credit One Bank American Express Card
Requirement
The card is available to users with fair to good credit score. However, if you have maintained a good credit history, a less-than-average score would also work.
Annual Charges
This credit card charges $39 annually. You can qualify for lower fees depending on your credit worthiness.
Interest Rates
In case you are late with payments, you would be asked to pay 23.99% interest that is variable.
Rewards
The best part about this card is that it offers 1% cashback on all eligible purchases.
Security
You would have access to $0 fraud liability. In case you lose the card, you will not be held responsible for the unauthorized purchases made via your account.
Others
The credit card also works with a number of discount programs offered by Arnex. This would let you avail reduced prices while shopping, dining, or watching movies.
2. Credit One Bank Platinum Rewards Visa Card
Requirement
The card is available to users with fair to good credit score. However, if you have maintained a good credit history, a less-than-average score would also work.
Annual Charges
This credit card charges $95 annually. You can qualify for lower fees depending on your credit worthiness.
Interest Rates
In case you are late with payments, you would be asked to pay 23.99% interest that is variable.
Rewards
Like the previous option, this card also gets you 1% cashback on all eligible purchases. On top of that, you can also get a 5% cashback on spending $5000.
Security
You would have access to $0 fraud liability. In case you lose the card, you will not be held responsible for the unauthorized purchases made via your account.
Others
An extra perk of becoming a cardholder here is that you would have a free access to Experian credit report. This would let you keep an eye on your credit-related habits and eventually improve the score by rectifying the mistakes that you are making.
3. Visa Cashback Rewards Card
Requirement
The card is available to users with fair to good credit score. However, if you have maintained a good credit history, a less-than-average score would also work.
Annual Charges
This credit card charges $39 annually. You can qualify for lower fees depending on your credit worthiness.
Interest Rates
In case you are late with payments, you would be asked to pay 23.99% interest that is variable.
Rewards
The best part about this card is that it offers 1% cashback on all eligible purchases. You can also choose the payment date that suits you in the month.
Security
You would have access to $0 fraud liability. In case you lose the card, you will not be held responsible for the unauthorized purchases made via your account.
Others
An extra perk of becoming a cardholder here is that you would have a free access to Experian credit report. This would let you keep an eye on your credit-related habits and eventually improve the score by rectifying the mistakes that you are making.
4. NASCAR Credit Card
Requirement
The card is available to users with good to excellent credit score. However, if you have maintained a good credit history, a less-than-average score would also work.
Annual Charges
This credit card charges up to $99 annually. You can qualify for lower fees depending on your credit worthiness.
Interest Rates
In case you are late with payments, you would be asked to pay 17.99% to 23.99% interest that is variable.
Rewards
The best part about this card is that it offers 1% cashback on all eligible purchases. You can also choose the payment date that suits you in the month.
Security
You would have access to $0 fraud liability. In case you lose the card, you will not be held responsible for the unauthorized purchases made via your account.
Others
The credit card features a mobile app that lets you set in alarms, alerts, and check in on account details easily.
Note! Most of the credit cards here come with heavy annual fee. That is because they do not require any security deposit and yet they are available to users with poor credit score. You can qualify for lower annual fee and increased credit card limit by maintaining good credit history in the long run.
Applying For Credit One Cards at Accept.CreditOneBank.Com
So far, we have answered two of your important questions: Why is Credit One Bank a good choice and what are some credit cards here that you can try depending on their annual fee and perks.
Now, we get down to the part where we discuss how to apply for these cards online, how to respond if you have received a pre-approved mail offer, and how to check for the offer if it has not reached you yet. In the last section we would also tell you how to contact the bank if needed.
1. Responding to Mail Offer
The easiest and the most reliable method of credit card application is via pre-approved mail offer. This is a mail you would get from the bank if you satisfy a specific criterion for becoming a cardholder. Since they have already checked your credit report, there are fair chances that your request would be accepted.
Note! When banks go through your credit report with the purpose of sending out mail offer, they carry out soft inquiry which does not harm your credit score in any way!
Therefore, if you receive Accept.CreditOneBank mail offer, don’t hesitate in responding as soon as possible. The process if short. In fact, it would just take less than 5 minutes to complete. Here’s what you need to do
Make sure that you have the mail in your hand because it would contain the information you need to complete the application. Then open your web browser and type in the following address:
This would take you to their official page where you would be asked to provide an approval code and a zip code. Both of these numbers are given on the mail sent to you by the bank. Recheck the data before pressing “Continue”.
Since you are proceeding with a pre-approved mail offer, there are solid chances that you would be approved by the bank. You need to enter Accept.CreditOneBank.com approval code emailed you through pre-approved offer
However, if your application form is rejected, you would be notified via email along with the reason for disapproval.
Attention! In case you don’t get a response from the bank within 14 working days, you can call and get in contact with their representative. Typically, this means that your information needed further processing before they could reach a decision.
Continue reading the article to find out how you can contact the Credit One Bank.
2. Applying Without Mail Offer
You may be carrying a perfect credit score and still not receive the mail offer. Why is that so? We really can’t tell. The best explanation we have is that the banks often send out mails randomly and might miss out a couple of eligible users.
However, that is nothing to worry about. There is something you can do to make sure the bank considers you as a reliable cardholder.
In order to do that, you need to re-visit www.accept.creditoneBank.com through pre-approved offer . Here you would find a button that says “See if you pre-qualify”.
Clicking on this would open another window. This digital form would ask you to provide your full name, contact information, social security number, and some other personal data.
Once you are done, simply click on “Submit.”
You will get to hear from the bank within minutes and get to know about their comments on why the pre-approved mail offer did not reach you.
3. Contacting The Bank For Help
Credit One bank representatives are available 24/7 in case you need to clear any queries or discuss an issue. There are a number of ways in which you can reach out to them.
First of all, you can call on the toll-free number 1-877-825-3242. You can also send out a written mail on the address “P.O. Box 98873 Las Vegas NV 89193-8873.”
These methods of contact are also applicable in case you want to report a missing or a stolen card. The authorities would promptly take action to resolve your problem.
Is This Card Scam or Legit
Online credit card applications often leave customers in doubt about their authenticity. Many users wonder whether the platform is legit or scam and same is the case with people visiting Accept.CreditOneBank.
However, we can guarantee our readers that this is a complete reliable platform. You can further be sure of this by going through the comments left on the internet by old, committed Credit One users.
On top of that, these credit cards come with $0 fraud liability. This further ensures that you are in safe hands as the bank would cover for your loss in case the card is stolen or lost.
Wrap Up
If you are facing a poor credit score, Accept.CreditOneBank can prove to be the perfect help you need! It offers a range of credit cards that come with multiple reward schemes.
Furthermore, a mail offer can also make the application process completely hassle-free. It is quick and increases the chances of you getting approved for the credit card.
Therefore, if you were lucky enough to get the offer, we suggest you respond to it right now and begin your credit rebuilding journey. However, keep in mind that only good spending habits can improve the score. You need to maintain timely payments and pay off debts if you wish to boost the credit score.
