Capital One really took a shot on me. I had a Capital One QS card, but I had abused it with multiple 120 day lates. They called me and said I could voluntarily close it or they'll charge it off. I paid it off and closed the account, but it was my last opened card. I took a shot and applied for the Capital One secured card because I am working hard to repair my credit and they approved me with a required $99 down payment. My scores aren't good and I obviously had a poor history with them so I was really surprised and thankful that they approved me.
Hopefully, with this card, I can get my payment history back in order!
