Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 219
Registered: ‎01-04-2010

Cap1 Secured

Does anyone know if the Cap1 secured card is automatically in the credit steps program? I would like to make a deposit of $300 and get the card, but it would be nice if they gave increses for the secured.


Also - the secured card has an annual fee, does this card grow with you??



Starting Score: 640
Current Score: 744
Goal Score: 800

Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010

Re: Cap1 Secured

They don't mention the steps program,  but the website says you are elgible for periodic unsecured increases as you go.


I just go my approval in the mail today, so I will see.

Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008

Re: Cap1 Secured

If I were you....I'd just call them & ask how all this works.


It seems like I recall reading that the secured card is what it does not grow with you.  I believe the credit steps card is a low limit, unsecured card to start with, then as you show responsibility, they increase your limits.


**Please, anyone with other or concurring info...Chime IN!!! Smiley Tongue

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

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 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.