Kicker wrote:Thanks for the reply Deville.
Yeah I've been worried sick! After I submitted the application yesterday night, they said they would mail out my card after pending final verification of info and identity. I checked the status of my application this morning and it said it hadn't been mailed out yet. So I called to cancel and the lady said I should not have anything posted on my credit report..excluding the inquiry of course.
So now, I check the status and it says:Application Cancelled Our system indicates that the application was cancelled.
I'm guessing I should be okay...the reviews for Credit One is quite horrendous.
Yeah, it sounds like you got to it in time. If for whatever reason a trade line pops up on your bureau, just write to the address associated with the account and let them know that you cancelled the application and that you need the trade line to be removed. What makes me so leary of Credit One is that they used to be called First Bank of Marin. They were always subprime but it seems like they try very hard to trick people into thinking they are Capital One: they changed their name to Credit One and their logo even looks similar.Very shady. A secured credit card from a reputable bank or credit union is always a better choice.
"By the way, did you call and had the discover card cancelled?"
I did, but only after two weeks....so now I have that darn trade line on my bureau. I have had luck with GE removing trade lines (all in good standing) early: (Mervyn's, closed 4/99 deleted 6/05 4 years early; Best Buy closed 4/02 removed 4/06 six years early and Care Credit closed 1/01 removed 1/06 five years early). So I will keep disputing the Walmart Discover until they delete it. Hopefully this year if not next year.