Just like with a Credit One card, Credit Builder Loans report to all 3 credit reporting agencies. Moreover, as I mentioned before, you will receive cashback on any eligible purchase you make using the card. Just like you can transfer money from one debit card to another, you can also transfer money from a credit account to another account, which could be either a credit account, debit account, or a prepaid card account. Later in this article, you will learn why the card is useful in helping you raise your credit scores within the shortest possible. However, charges are high if you pay your debt using the third party financial institutions. In such a situation, withdrawing is the only solution if you do not have any other money at hand. ... you will be directed to a third-party website unaffiliated with Credit One Bank, which may offer a different privacy policy and level of security. Also, the card has 0 fraud incidences due to high-security measures by the bank. While this intial limit can grow with the account as time passes, the initial usage can be more of a burden than that of a higher credit card limit. The major difference is that it is an installment loan and not a revolving loan, but once the loan is paid off, the funds will be sent back to you. Enrollment in the Credit Protection Program is optional and not required to obtain credit. Furthermore, you benefit from the 1% cashback. Checking your score at Experian will cost you nothing. Apply Now Apply Now Apply Now. The application is simple and easy to undertake online. Also, the card has a low regular APR. For example, if you send $100 to someone in a foreign country, then you will part with 103$ since 3$ is the transaction fee. Benefits available to cardholders include free Experian credit score access and zero fraud … You’ll earn 2% cash back on qualifying gas and grocery purchases and on select telecommunication services. See if you pre-qualify for a Platinum Plus Visa from Credit One Bank and get started earning rewards on everyday purchases. The Credit One Bank Platinum Rewards Visa Card (formerly called the Credit One Bank Platinum Premier Visa) gives people with imperfect credit a chance to get some cash back on their everyday purchases. That will be an affordable amount of money that will be easy to pay. Credit One Bank® is a technology and data-driven financial services company based in Las Vegas, Nevada. How Do I Close My Credit One Credit Card? You can use online servicing or our app* to make payments, check your balance and manage your money. As an added bonus, those interested in this card can fill out a form to see if they’re pre-approved. ©2020 Credit Knocks is a Trademark of Credit Knocks LLC. If they notice any suspicious activity, they will notify you either by email or with a text message, and you can then respond to let them know if it’s an authorized or unauthorized transaction. For optimal functionality, please turn off your ad blocker for this site. Lost/Stolen Card Reporting. Things like school fees, student pocket money, and so on require a substantial amount of money. However, credit score alone does not guarantee or imply approval for any credit card offer. What's The Credit One Platinum Visa® Card? During application, you should provide all information required, which includes your full name, your email address, your phone number, your physical address, and the government’s identity card. There’s also lots more help on our dedicated coronavirus help page and coronavirus FAQs. First, you need to open an account with the bank. 's Secure Website. 4441. Before you apply for an account, here’s what you need to know about the card’s features and benefits. Although the credit limits are low, the card is perfect when it comes to raising your credit scores. There is no bonus for the card, but there is an $0-$99 annual fee. Making on time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned. There is a "soft" pull on your credit report to find out if you are pre-qualified, and then a hard pull if you decide to apply for the card. If you have an iPhone or iPad, you can chat with us 24/7 using Apple Business Chat. Card features: Rewards. Outside of the fees associated with your remaining balance, there is no fee for closing your account. Transactions with Credit One Bank Platinum Visa cards are a bit costly. Credit One Bank Platinum Visa is an unsecured credit card. Anybody with a credit score of between 350 – 850 can get the card. Credit One Bank Platinum Visa Card is an excellent option to increase your credit scores. Pushdown Message Header. Are you in a serious bad credit situation that is barring you from getting financial services such as loans and lines of credits? Call the number on the back of your card. It can be very useful for young people who are starting financial life, parents wishing to limit their children’s expenditure and people who fall into a bad credit category. If you transfer money using the routing number and account number to another bank account outside the US, then you have to pay a 3% fee. If that is the case, then relax as today, I have brought a solution on how to prevent further suffering. On Credit One Bank, N.A. The Credit One Bank Platinum Visa is perfect for everyday purchases and rebuilding credit. Moreover, you will be able to access credit scores online. Cardmembers get Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. While these loans have a small monthly fee attached to them,  they also pull your credit report for approval. You don't need to put down a security deposit because it is an unsecured card for bad credit, there aren't any processing fees, and you get automated credit limit increase reviews; however, the card will do a hard credit pull if you decide to apply. Your email address will not be published. The amount of money you send should reflect within the shortest time possible. If you make timely payments, it means that your credit scores will improve with time. If you plan to let the small fee report, be sure to make the minimum payment if one is required. You can use your smartphone or computer to apply. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate. For your information, you can send money to someone without a bank account using your credit card. It is because the card is an unsecured one and thus requires no deposit. If you cannot afford to pay a deposit to get a secured credit card, then the Credit One Bank Platinum Visa card is right for you. The purchases include gas, groceries, and phone services. 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Get a free consultation with a credit repair expert to see how much they can help your credit score. The credited amount you’ll receive is based on your eligible net purchases from the previous statement period. Credit Management; Get More; Card Benefits; Visa ® Platinum. We’re helping a lot of people right now and it may take us longer than we’d like to speak to you. As long as you utilize the card well, you will find yourself with excellent scores with time. Credit One Bank also sends you account alerts related to your Unsecured Platinum Visa. I would recommend keeping the card active as long as you can, there really isn't a reason to cancel the card any time soon. If fraud happens, you are not liable to it. Credit One Bank® Visa® Cash Back Rewards has higher than average purchase APRs. Once the card has been activated, your annual fee will be deducted from your available credit. In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. December holidays are here with us and many people are likely going to receive gift cards from their friends and... Money transfer is a process of moving money from one account to another. Cash Advance Fee is $20 or 2.00% of the amount of each cash advance, whichever is greater. It also has a variable cash advance APR of 23.99% . The maximum limit depends on your score. Again, the credit card is only suitable for people with bad credit. They include Fingerhut Credit Account, Indigo Mastercard for Less than Perfect Credit, and Firestone Credit Card, among others. The issuer gives you a 1% cashback on all eligible purchases. You can close your account at any time by contacting their Customer Service Department at the phone number listed on your billing statement or on the back of your credit card. Moreover, you can use other institutions such as 7-Eleven, Kroger, MoneyGram, or Western Union, at your location to pay your credit card debt. The Credit One Bank Platinum Visa with Cash Back Rewards only offers initial credit limits from $300 to $500, depending on your initial credit score when applying for the credit card. You can also pay your credit card debt by using another credit card. 3 Rates for Visa Platinum Credit Card with rewards are from 9.80% APR – 19.80% APR based on creditworthiness. Credit One Bank® Visa® Credit Card has a variable purchase APR that ranges from 17.99% up to 23.99%. The 18 month balance transfer period starts from the date the account is opened. Find out if you pre-qualify today. 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