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Frequent Contributor
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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?



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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 :smileysad: 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 $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 756 TU 756 Credit Sesame (EX) 756 Credit.com (EX) 784
Frequent Contributor
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Re: Capital One Secured to Unsecured

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



Amex Green NPSL | Citi Double Cash 1.2k | Chase Freedom 4k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Slate 5k | Best Buy .6k | Kohl's .3k |
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Re: Capital One Secured to Unsecured


xgac12x wrote:

Ah Okay, that kind of stinks..:smileysad: 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 $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 756 TU 756 Credit Sesame (EX) 756 Credit.com (EX) 784
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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):smileyhappy:



Amex Green NPSL | Citi Double Cash 1.2k | Chase Freedom 4k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Slate 5k | Best Buy .6k | Kohl's .3k |
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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):smileyhappy:


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 $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 756 TU 756 Credit Sesame (EX) 756 Credit.com (EX) 784
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