10-03-2012 10:47 AM
I canceled my Cap 1 secured card today. It's something simple but it feels good! The card wasn't going to grow without me adding money to it and with my credit score improving and offers / approvals coming in, it has served it's purpose! This was the first card that I received (9/10) after my BK was complete (2/10). Started with a $200.00 limit and then they added an unsecured $100.00 to that later. It's another wall up between me and my credit/life slump when the economy took a dive a few years ago.
The girl that I talked to was VERY nice. Helpful, very friendly and non-Peggy like. I wish all CSRs were like her!
10-03-2012 10:51 AM
Glad to hear you're graduating on to bigger and better things.
10-03-2012 12:15 PM
Congratulations. It feels wonderful to reach a point where you're able to move past a difficult period in life. Forward progress is always a good thing. Keep up the good work, and best wishes on your continuing credit journey.
10-10-2012 03:16 PM
Did they say how long it's going to take to get your money back? I want to give myself a CLI for a couple months, so I can apply for a better card, then cancel my secured card.
10-10-2012 03:54 PM - edited 10-10-2012 03:54 PM
Cancelled mine also today, feels good.
They asked me to stay with unsecured. I told them, I have one ... SD
10-10-2012 04:32 PM
I had a $300.00 limit. $200.00 of that was secured and the balance was $292. I made a $92.00 payment and told them to apply the $200. that I sent in when I opened the account to the balance and that would take care of it. It was as of Monday.
I know interest rates aren't that great right now but it would be nice to draw some interest on $ that you deposit in a secured account.
10-10-2012 09:17 PM
congrates. I know I can't wait to jan when I close mine. I have been at max 3k for years, and never a late payment. social team ,and BBB complaint no help, all they gave me was a free 100 bucks...they changed the rules of possible card graduration after i accepted card , which has me pissed off.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
10-10-2012 11:00 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.