Credit One Bank® Platinum Card is Ideal for Those With Fair Credit

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On March 27
Last modified:May 18

Summary:

Visa Platinum from Credit One Bank

Source: web

It’s important to have buying power, regardless of your credit score. With the Credit One Bank® Platinum Card, you can get a Platinum credit card with all the features you need. It provides you with a substantial credit line without having to put down a security deposit or anything else.

The Details of the Card

Choosing a credit card to apply for when you don’t have the best credit can be difficult. What’s unique about the Credit One Bank® Platinum Card is that it’s designed for those with fair credit. This means you get all the benefits of a platinum credit card without having the perfect credit score. You can begin to improve your credit while you use the card on purchases anywhere that Visa is accepted.

This is a very affordable card to have. The low annual fee is charged to your account monthly instead of in one lump sum at the end of every year. This makes it easier to pay and won’t take up so much of your available credit. Also, there is no enrollment fee. You also won’t get charged over-limit fees. The only thing you will have to pay is your APR – unless you choose to pay the balance in full at the end of every month.

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An online application makes it easy to apply for. You will just have to spend a few minutes filling out account details. As soon as you hit “submit”, your information is reviewed and you will be given a credit decision. In most cases, the decision is given in under a minute. With the entire process done online, you are able to get your credit card faster. Then the card will arrive in the mail within a few days so you can start spending.

The Features of the Card

With the Platinum Visa, there are lots of features to enjoy. Just because you don’t have the best credit doesn’t mean you have to get a card without features. After you’re approved for the card, you can take advantage of such features as:

  • Regular credit line increases
  • 24/7 customer service
  • Fraud protection

Your account will be monitored throughout the year. Should you pay your bill on time and practice smart spending, you will be given credit line increase opportunities. The account will be reviewed automatically. You won’t have to do anything. You will simply be told when your credit line has increased, giving you more spending power.

Customer service operates 24/7. You will be able to make a call or go online to ask questions from representatives. Whether it’s to dispute a charge or ask about an account feature, the representatives are there to help you. Best of all, there is no charge to talk to a live person.

Fraud protection also comes with the card. In today’s day and age, you need to ensure your card is kept safe to protect your identity and your credit. Monitoring for suspicious activity is ongoing. Plus, you won’t be held financially responsible if a charge shows up on your account that you didn’t authorize.

Managing the Account Details

When you don’t have great credit, budgeting becomes even more important. You want to make sure you’re doing everything you can to improve your credit score. With online account tools, you can log on at any time to view your balance, check your available credit and see what you’ve been spending your money on.

Each month, you will be able to view your credit score online. As your credit score improves, you know you’re doing the right things. When your credit score reaches a certain level, you can also start to apply for better cards with more benefits from Credit One Bank.

With the ability to log in 24/7, you’re always in control of your account and your spending. You can download your monthly statements. You can also pay your bill online, ensuring you’re never late with a payment.

Applying for the credit card is easy. The application is available online and can take just minutes to complete. Once you get approved, your benefits begin immediately. This gives you the opportunity to spend where Visa is accepted and strengthen your credit score at the same time.

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About Author

Casey is a seasoned writer in personal finance. He has written a number of articles that have been published in magazines and blogs around the country. His advice has helped millions make better choices about how they save their money.


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CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.

Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.