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Frequent Contributor
Posts: 378
Registered: ‎06-21-2013
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Capital One Secured to Unsecured

I have the cap one secured, and I was just wondering if anyone had any luck with theirs turning into an unsecured, how much did they give you as an unsecured limit?


Citi Premier 2k | Amex PRG NPSL | Citi Double Cash 2.2k | Chase Freedom 1k | Fidelity AMEX 5.5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 4.3k | Slate 8k | Best Buy .6k | Kohl's .3k |
Valued Contributor
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Registered: ‎11-17-2012
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Re: Capital One Secured to Unsecured


xgac12x wrote:

I have the cap one secured, and I was just wondering if anyone had any luck with theirs turning into an unsecured, how much did they give you as an unsecured limit?


So far there is no luck with cap one unsecuring the secured accounts. The only ones Cap One "unsecured" was those transferred in from HSBC/Household Bank/Orchard Bank.

 

Sorry Smiley Sad but best of luck in your credit journey!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
Frequent Contributor
Posts: 378
Registered: ‎06-21-2013
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Re: Capital One Secured to Unsecured

Ah Okay, that kind of stinks..Smiley Sad Should I just rid of it when I get out of gardening and start applying for new unsecured cards?


Citi Premier 2k | Amex PRG NPSL | Citi Double Cash 2.2k | Chase Freedom 1k | Fidelity AMEX 5.5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 4.3k | Slate 8k | Best Buy .6k | Kohl's .3k |
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Re: Capital One Secured to Unsecured


xgac12x wrote:

Ah Okay, that kind of stinks..Smiley Sad Should I just rid of it when I get out of gardening and start applying for new unsecured cards?


I recommend holding onto it as long as possible...by this I mean wait until you have all the cards you'd possible want before completely ditching it. It's helping your AAoA, positive payment history, and utility.

 

Then, once you have all you could dream off...then drop it like a hot potato!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
Frequent Contributor
Posts: 378
Registered: ‎06-21-2013
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Re: Capital One Secured to Unsecured

Haha alright, thank you! I will probably get rid of it right before the next annual fee sets in (Ill see where im at by then, if I have everything I could possibly desire)Smiley Happy


Citi Premier 2k | Amex PRG NPSL | Citi Double Cash 2.2k | Chase Freedom 1k | Fidelity AMEX 5.5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 4.3k | Slate 8k | Best Buy .6k | Kohl's .3k |
Valued Contributor
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Registered: ‎11-17-2012
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Re: Capital One Secured to Unsecured


xgac12x wrote:

Haha alright, thank you! I will probably get rid of it right before the next annual fee sets in (Ill see where im at by then, if I have everything I could possibly desire)Smiley Happy


Ewww, annual fee?! Totally forgot about that little aspect!!

 

Change of plans: before the next annual fee sets in, definitely get rid of it! I just looked at your siggy and you already have a good collection of cards, so no big loss. Don't rush on those goal cards then; slow and steady wins the race!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
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