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Credit A single Visa credit cards have higher APRs, annual fees, and other charges.
Who the Credit 1 Bank Visa Platinum Card Is ForPeople with poor credit who want an unsecured credit card.
Credit Rating Essential
Poor (under 620) About the Credit 1 Bank Visa Platinum Card
Pros
Rapid on the internet approval procedure. Monthly credit updates to all three major credit bureaus.
Cons
Higher annual fees. Higher APRs. Incredibly higher cash advance fee. Higher credit-limit improve costs.
Rewards
None.
APRs
23.90 percent or 26.90, depending on your credit history.
Charges
Annual fee: $ 75 to $ 99, depending on your credit limit. Money advance fee: eight percent (waived the very first year). Late payment charge: $ 35. Returned payment charge: $ 35. More than-the-limit fee: None. Credit 1 Bank Visa Platinum Card Evaluation
The Credit One Bank Visa Platinum Card cash advance on the web isn’t the worst credit card aimed at folks with poor credit – that distinction almost certainly belongs to the 1st Premier Bank Gold MasterCard – but it’s one of the most pricey.
Based on the credit limit you get – which will range from $ 300 to as a lot as $ 1,500 – your annual fee will differ from $ 75 to $ 99, billable to you in monthly installments starting in the second year. Interest rates variety from 23.9% to 26.9%, depending on your credit history.
Credit One particular advertises that it does automatic credit line improve testimonials. But you will not know unless you study the fine print that it will charge you up to $ 49 if it grants an improve. And discovering that fine print isn’t easy I truly had to hunt around for a copy cash advance online of its cardholder agreement.
In addition, it charges an eight% charge for cash advances, waived the first year. Most cards I’ve observed only charge 3%, even cards created for men and women with poor credit. That said, you ought to By no means use your credit card to get a cash advance, specially at that price tag.
Credit One says its on the web method will inform you in significantly less than a minute which credit card you are pre-qualified for ahead of you apply, and that the procedure will not affect your credit score. Primarily based on its published costs, it appears like Credit One accepts just about everybody, at least these willing to pay.
Recommendation
If you’re seriously taking into consideration receiving this card, you actually have to ask your self: Do I really need a credit card this badly? You’re far better off receiving a low-priced prepaid card instead.
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