Re: Cap1 Secured approval!

rubbinitout · ‎04-09-2014

After 3 yrs, I finally have my own credit card again!

I received the approval letter today for the Capital One Secured Master Card, $200 min sec deposit. I inquired about the max I can deposit, but the rep said their system wasn't working and to call back later. Anyone know offhand?

Also, by July I will have paid in full my $4k Chase charge-off from 2011, and I will work my butt off to sweet-talk a deletion.

It feels good to be on the path to major credit repair!

Thanks for listening

creditFiend · ‎04-09-2014

Congrats! Max CL for secured is $3,000

EMax · ‎04-09-2014

Congrats! I know exactly how it feels to finally have a credit card again after not having one for many years due to my own neglect. BofA also has an excellent secured card that graduates (and you can PC to a rewards card).

Good luck on your road to credit recovery!

Starting Score: 542 (EQ FICO)
Current Score: 711 (TU FICO) 711 (EQ FICO) 715 (EX FICO)

AzaleaB · ‎04-09-2014

Congratulations! I started my rebuilding journey with a Cap1 secured card also.

Starting Score: EX:570, 8/2011
Current
Scores(8/30/18): EX08:850; EQ08:850,
TU08:847 Inqs(12 mo): EX/0, EQ/0, TU/0
Goal Scores: 800+
My Cards: BoA Rewards: 30K, Discover IT: 50K, Arrival : 13.3K, CDP: 30.1K, Amex PRG, Amex ED: 22.5K, Amex BCP: 20K, FU: 21K, CSR: 35K, Amazon Store: 20K, Macys:10K, Diners Club:40K

coldnmn · ‎04-09-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

rubbinitout · ‎04-09-2014

Thanks for the good info on the max deposit and BOA sec card that can PC as well.

I know my euphoria is only about a secured card, but it's a substantial improvement in my profile and the right opportunity for what I need.

How many months need to pass before I noticed a bump in my score?

peepers · ‎04-09-2014

Yay! I too started with Cap 1. It took time, and work, but one day you too will be there. I certainly appreciate good credit in a whole new way after my rebuild

Good luck with your journey, youre on the right track!

AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

rubbinitout · ‎04-09-2014

@AzaleaB wrote:
Congratulations! I started my rebuilding journey with a Cap1 secured card also.

Wow, you've come a long way since your repair in 2011. What was the key to your success?

-Wade- · ‎04-09-2014

@rubbinitout wrote:
After 3 yrs, I finally have my own credit card again!

I received the approval letter today for the Capital One Secured Master Card, $200 min sec deposit. I inquired about the max I can deposit, but the rep said their system wasn't working and to call back later. Anyone know offhand?

Also, by July I will have paid in full my $4k Chase charge-off from 2011, and I will work my butt off to sweet-talk a deletion.

It feels good to be on the path to major credit repair!

Thanks for listening

Congrats on your approval

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Bluegoldkeys · ‎04-09-2014

congrats on a journey well done!

Cap1 Secured approval!

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Cap1 Secured approval!