AVOID THE CREDIT WRECKERS
It might be shockingly easy to wreck your credit score, but it's far less likely to happen when you know exactly what to avoid.
MAX OUT
Max Out’s eyes are bigger than his wallet. When he sees something he wants, he buys it…and his credit score pays the price. What Max Out doesn’t know is that he should only use 30% or less of his credit limits, because using his full line can lower his score.
STAY BELOW 30% CREDIT LIMIT UTILIZATION
CANCELINA
Watch out for Cancelina. She just loves canceling her unused credit cards once they’re paid off. But what she doesn’t know is that canceling them can decrease the length of her credit history and hurt her credit mix.
DON'T CANCEL YOUR OLD OR UNUSED CREDIT CARDS
This content is intended for educational purposes only and is not intended to provide legal or financial advice. Individual credit scores are influenced by various factors including credit behavior and may be calculated differently by each credit bureau. For advice tailored to your individual situation please consult a qualified professional.
FIND THE RIGHT CARD FOR YOU
CREDIT ONE BANK PLATINUM X5 VISA SIGNATURE
5% CASH BACK REWARDS
On the first $5,000 of eligible purchases of gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter†
1% CASH BACK REWARDS
On all other purchases†
ANNUAL FEE†: $95
CREDIT ONE BANK AMERICAN EXPRESS® CARD
1% CASH BACK REWARDS
On all other purchases†
ANNUAL FEE†: $39
CREDIT ONE BANK PLATINUM VISA FOR REBUILDING
1% CASH BACK REWARDS
On eligible purchases of gas, grocery, and internet, cable, satellite TV and mobile phone services†
ANNUAL FEE†: $75 FIRST YEAR, THEN $99 ANNUALLY (BILLED AT $8.25 PER MONTH)
CREDIT ONE BANK WANDER® AMERICAN EXPRESS® CARD
10x POINTS
On eligible hotel and car rentals when booked through the Credit One Bank Travel Partner†
5X POINTS
On eligible travel including flights, dining, and gas purchases†
1x POINTS
On all other purchases†
ANNUAL FEE†: $95