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Capital One Unsecured Me!

Established Member

Capital One Unsecured Me!

My 11th statement cut yesterday and this morning I woke up to an email congratulating me. There was no CLI, but my deposit was returned as a statement credit. I have used the card on and off, sometimes heavily most times not. Sometimes I carried a balance but most times not. For the past 3 months, I have only spent about $20 and paid in full after the statement. Now let's see if I can upgrade then combine it with my Quicksilver.
Lurking & Rebuilding since 7/2015. Starting scores: All low-mid 500s. Current scores: EQ-661, TU-649, EX-701. First goal: 700s (across the board) by 2018!
Current cards: AMEX Green Card, BBVA ClearPoints- $5000, Best Buy Visa- $750, Cap1 Quicksilver-$500, Cap1 Secured Card- $500, Merrick Bank- $1100, Target Redcard-$1900, CU Visa Card- $1000, Discover Secured Card- $200, Kohl's- $700, Walmart Store Card-$800, Sam's Club Card- $437, Chevron Card-$600, Paypal Credit- $3000, Fingerhut-$2900, A few more store cards 9% Utilization across the board
Message 1 of 8
7 REPLIES
Established Contributor

Re: Capital One Unsecured Me!

This is encouraging.  My 11th cuts end of February so good to know they are still graduating.

In the garden since 01/24/18 = Last FICO Update: 02/07/18 = EX 663 = TU 667 = EQ 723 = Everything is better with cowbell.
Message 2 of 8
Senior Contributor

Re: Capital One Unsecured Me!

Fantastic data points and thank you for being so specific!

 

I changed my due date on my card so they "skipped" one month statement (July) so I am curious myself when my card will/may graduate.  Right now I'm hoping for April but since I actually applied for the card in March 2017, who knows!

 

Congrats on graduation, I bet they will let you combine accounts.

Message 3 of 8
Established Member

Re: Capital One Unsecured Me!

It kind of caught me by surprise because I have had inquiries galore since opening the card. There is still hope! I'm happy! Now, I am wondering if my statement credit will transfer over when I combine accounts or do I need to use the credit, then combine.
Lurking & Rebuilding since 7/2015. Starting scores: All low-mid 500s. Current scores: EQ-661, TU-649, EX-701. First goal: 700s (across the board) by 2018!
Current cards: AMEX Green Card, BBVA ClearPoints- $5000, Best Buy Visa- $750, Cap1 Quicksilver-$500, Cap1 Secured Card- $500, Merrick Bank- $1100, Target Redcard-$1900, CU Visa Card- $1000, Discover Secured Card- $200, Kohl's- $700, Walmart Store Card-$800, Sam's Club Card- $437, Chevron Card-$600, Paypal Credit- $3000, Fingerhut-$2900, A few more store cards 9% Utilization across the board
Message 4 of 8
Senior Contributor

Re: Capital One Unsecured Me!

You can request the statement credit as a check mailed to you if you prefer.

Message 5 of 8
Established Contributor

Re: Capital One Unsecured Me!

Congrats. That EX score is looking good. Great job overall in improving your scores. Major kudos!


_______________________________________________________________

April 2017 FICO 8 Scores - EX 696 | EQ 621 | TU 655
November 2017 FICO 8 Scores - EX 730 | EQ 745 | TU 737
Message 6 of 8
Valued Contributor

Re: Capital One Unsecured Me!

That is great. congrats!!

Message 7 of 8
Regular Contributor

Re: Capital One Unsecured Me!

No better feeling than a card being unsecured and being sent MONEY lol.

 

Congrats buddy!

 

-Glenn

{Cap1 Quicksilver: $850} {Discover It: $2.2k} {Amex BCE: 20k} {Wells Fargo Cash Wise: $6k} {Sam's Club Credit: $967} {Barclaycard Ring: $750} {Chase Slate: $14.2k} {Wal-Mart MC: $7.9k} {Chase Amazon: $1.3k} {Target RedCard: $800} {AU on BofA card: $15k} {Sams MC $2.4k} {US Bank Cash+ $7.2k} {BofA Business Cash Rewards $5.5k} {Citi DC $8.1k} {Uber Visa $3.6k} {USAA Cash Preferred $2k} {NFCU somethin card $3.9k} {Alliant CU somethin card $7,500} {Lowe's MC $3.0k}
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