Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 43
Registered: ‎03-03-2008
0

Re: Cap one secured

[ Edited ]
 
*Wishing to be debt free*


Starting Score: EX: 513, TU 495
Current Score: EX: ???, TU 520
Goal Score: EX: 650, TU: 650


Take the FICO Fitness Challenge
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0

Re: Cap one secured

How about we all remember that being friendly & respectful in our replies goes a long way towards ecouraging all of the helpful people to stay, and offer their two cents, be it hard facts, or conjecture? After all, both facts and conjecture are very welcomed in these forums, and contribute to our ever growing body of knowledge. Smiley Happy

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Cap one secured

 


Pushto700 wrote:

mizzcharles wrote:

That's ok, if they pull all three in MY case. My scores are low as it is.. Just waiting to see how long they take to respond... i hate long turn around times.

 

Why does it lurk to have them? I'm signed up for the mastercard.. tell me. the apr is a bit high(19.48)????? but they give you cli's while your on a secured card who else does that?

 


Crazy. They give CLI's on secured cards? Never heard of that.


 

 

 

In the 90's I had a secured card for several years.   The CL was 100% of deposit, then it was a 125%, then it was 150% up to 200%.   Same principle here.

Valued Member
Posts: 43
Registered: ‎03-03-2008
0

Re: Cap one secured

thanks for the reminder..........Smiley Happy

 

I find it great that capital one would do that...I wonder if the mastercard will ever graduate?

 

 

 

 

 

*Wishing to be debt free*


Starting Score: EX: 513, TU 495
Current Score: EX: ???, TU 520
Goal Score: EX: 650, TU: 650


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 267
Registered: ‎07-28-2009
0

Re: Cap one secured


Wolf3 wrote:

 


Pushto700 wrote:

mizzcharles wrote:

That's ok, if they pull all three in MY case. My scores are low as it is.. Just waiting to see how long they take to respond... i hate long turn around times.

 

Why does it lurk to have them? I'm signed up for the mastercard.. tell me. the apr is a bit high(19.48)????? but they give you cli's while your on a secured card who else does that?

 


Crazy. They give CLI's on secured cards? Never heard of that.


 

 

 

In the 90's I had a secured card for several years.   The CL was 100% of deposit, then it was a 125%, then it was 150% up to 200%.   Same principle here.


I like the appearance of that. I may look into it.


Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)
Current Score: TU: 671 (3-10) 625 (4-10/Rebucketed)--EQ: 674 (3-10)--EX 630 (Lender 11-09)
Goal Score: TU: 750--EQ: 760


Take the FICO Fitness Challenge
Valued Member
Posts: 43
Registered: ‎03-03-2008
0

Re: Cap one secured

Ok so here's the first update, One whole day later Capital one withdrew my $300 dollars from my bank account.. btw for the secured mastercard that gives CLI's while secured..

 

They say 7- 10 days to receive your card so so far this is good.

 

will let you guys know when i receive it...

 

Smiley Happy

*Wishing to be debt free*


Starting Score: EX: 513, TU 495
Current Score: EX: ???, TU 520
Goal Score: EX: 650, TU: 650


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 267
Registered: ‎07-28-2009
0

Re: Cap one secured


mizzcharles wrote:

Ok so here's the first update, One whole day later Capital one withdrew my $300 dollars from my bank account.. btw for the secured mastercard that gives CLI's while secured..

 

They say 7- 10 days to receive your card so so far this is good.

 

will let you guys know when i receive it...

 

Smiley Happy


I like the sound of this. Please, whenever you have the opportunity chronicle your experience. I mean...I am surprised still...CLI (potential) witha  secured CC? I have had a CU secured for approx 1 year (as I await for my case with two major baddies - the two remaining hurting my score - to settle)...if this is any indication as it seems....as if your money is worth something with good management.


Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)
Current Score: TU: 671 (3-10) 625 (4-10/Rebucketed)--EQ: 674 (3-10)--EX 630 (Lender 11-09)
Goal Score: TU: 750--EQ: 760


Take the FICO Fitness Challenge
Valued Member
Posts: 43
Registered: ‎03-03-2008
0

Re: Cap one secured

I'm super excited so will be definitly leaving my experience as the card progresses...

 

I recently also found the power of PFD letters and they seem to be making progress for me. maybe that's something you can look into as far as those 2 baddies..

*Wishing to be debt free*


Starting Score: EX: 513, TU 495
Current Score: EX: ???, TU 520
Goal Score: EX: 650, TU: 650


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 267
Registered: ‎07-28-2009
0

Re: Cap one secured


mizzcharles wrote:

I'm super excited so will be definitly leaving my experience as the card progresses...

 

I recently also found the power of PFD letters and they seem to be making progress for me. maybe that's something you can look into as far as those 2 baddies..


Naah. These are two auto reposessions. Both are in Class Action suits. I brought one myself, and another was brought about a year ago which I am an automatic party in the stated class. The PFD, GW, and other means for twisting a creditors arm to prove that I owe certain alleged debts (past SOL, ect) have aided in me getting to this point.

 

So I am just in "wait mode" right now. I have 2 BB Cards (1 myself, and an AU on my fiances, a joint Orchard unsecured CC, a Macys and Bloomingdales, & a secured CU CC).

 

Other than these I can't get any CC's (have been denied more than some approvals) with these two serious marks on my CR. So I am waiting.


Starting Score: TU: ?-- EQ: ?--EX 560 (8-08)
Current Score: TU: 671 (3-10) 625 (4-10/Rebucketed)--EQ: 674 (3-10)--EX 630 (Lender 11-09)
Goal Score: TU: 750--EQ: 760


Take the FICO Fitness Challenge
Valued Member
Posts: 43
Registered: ‎03-03-2008
0

Re: Cap one secured

[ Edited ]

Good news guys..

 

today i got my capital one secured master card in the mail..

 

two nights ago i got an email saying my card was mailed and today i received it. so unless u get that email your card isn't on the way yet..

 

they charged the annual fee to mine already...

 

so all together it took.

 

14 real days to get it, which is 7-10 business days like they said.

 

good luck to everyone else with your cards coming

*Wishing to be debt free*


Starting Score: EX: 513, TU 495
Current Score: EX: ???, TU 520
Goal Score: EX: 650, TU: 650


Take the FICO Fitness Challenge

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.