Morning!
8 months into a rebuild. I always thought OneMain was a subprime lender.
I was pre approved in the low 600s last October with a 3000 CL 1% CB 30%+ APR and this card comes with a guarantee of either an interest rate reduction or a CLI.
Please note I started with the + version meaning I had no AF. The regular Brightway version usually starts with an AF and maybe a lower limit?
Honestly, this has been one of my best cards to rebuild with. Been keeping it PIF and using like 20-30$ a month on it.
after 6 months of on time payments, they offered me to increase my total CL from 3000 to 6000 OR to get an interest rate reduction of .25%....
since I don't pay interest on it, and lets be honest... .25% of an APR reduction IS NOTHING, I took the CLI. I honestly didn't think I'd ever have desire for a OneMain product or even that they'd offer cards with decent CLs.
That said, most of the approvals I had seen on here were 500 CL with like 20-70$ afs and no cashback albeit 1% is not much
not a bad card to assist in rebuild and since no af, we will see if I can get regular 3000 CLIs every six months haha.
Have a good day yall!
P.S. my account still says that for every 6 months worth of on time payments, I will continue to be eligible for either a CLI or an APR reduction!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
, 
, 
