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Benefits Of The Credit One Bank® Platinum Credit Card

by MarketProSecure

When you want a credit card, you need to be picky about which one you apply for. The Credit One Bank® Platinum Credit Card is packed with features. One of the biggest features is that it's designed for those with fair credit, like yourself. It's your chance to get credit without having the perfect credit score.


The Application Process


The application process for the Platinum Visa is only going to take a few minutes. The entire thing is online. It will ask for some very basic personal information from you. This includes such things as your date of birth and social security number.

Once you submit the information, there will be a review process. This includes running your credit score and verifying that you are who you say you are. As long as there are no problems, you will receive a credit decision. On average, this process takes about one minute to complete.

There will be a few offers made available to you, based on your personal information. You can select the card and finish the application process. You will then be told of your approval and a card will be sent out in the mail. You can then activate the card and begin enjoying the benefits day after day.


Improving Credit


It's hard to get a credit card when you do not have good credit. With the card from Credit One Bank®, you will be able to improve your credit again by proving that you are responsible. Credit score tracking is included with the card. This will allow you to log on and see how your credit is improving month after month.

There are automatic reviews for credit line increases. As long as you are paying your bill on time and you're not spending too much money on the card each month, you're proving that you're financially responsible. As the bank reviews your account occasionally, you can enjoy credit line increases. This will allow you to make larger purchases on credit. It will also help you to establish a higher credit score than what you have had in the past.


Card Benefits


There are a lot of different benefits with the card. When you pay the annual fee, you can take advantage of many benefits all year long. The annual fee will hit the account on a monthly basis, helping to spread out the payments more effectively. You can then enjoy such things as:

  • Fraud protection
  • Visa purchasing power
  • Online account management
  • 24/7 customer service

Using your card in some areas can be dangerous. There are a lot of people online and off that have figured out how to access personal information. To avoid identity theft and fraudulent use of your card, your credit card will be monitored. Any time there is suspicious activity on the card, you will be notified. If at any time there is a charge that you didn't authorize, you won't be liable. Customer service will remove the charges and can even send you out a new card.

You have the power of Visa in your wallet. This is the most widely accepted credit card in the world. You can use the card for groceries, at the gas pump, for purchases online and anywhere else that's convenient for you. When you need cash, you can even visit the ATM machine.

Online account tools are at your fingertips. A username and password will be created, giving you 24/7 account access. Anywhere you have an internet connection, you can find out about your credit card balance, available credit and look up past transactions. To help with budgeting, your statement can be viewed or downloaded. You can also pay your bills online to save you time and the cost of a postage stamp.

When you have questions about your account, customer service is a phone call away. Representatives can be reached using a toll free number. They can help you with questions about your account, the features of the card and help you with making credit card payments over the phone.


Final Word


Applying for the Credit One Bank® Platinum Credit Card card is very simple. You don't have to worry about having the perfect credit score. With this card, you have the opportunity to start fresh. Plus with the Platinum aspect, you gain a number of benefits all year long just by having the card in your wallet.


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