Capital One Secured, next wave of CLIs...

[thrasher865]

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@Ortz33__ wrote:

and don't give me that junk about them having their own equation.  they pull fico and count it into their mumbo jumbo.  

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I don't think they do that.  Pretty sure a score would require a HP.

I don't actually have any knowledge of AMEX using or not using FICO scores.  I never even thought about it, I just always assumed all the major lenders used them.  I know they pull your report from EX, but that doesn't mean they use the EX FICO score.

[FicoTron]

I've had a secured card since July 10',  I've never come close to the limit, PIF every month, etc.  I haven't gotten a CLI yet.  What I'm more interested in is to see if, and when the card is at least somewhat unsecured, if they would allow me into the credit steps program.  Has anyone gotten so lucky?  I should have never applied for the secured, they pretty much give everyone an unsecured 300cl to start and then go into the credit steps...anyhow, anyone with any info would be much appreciated.