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@creditscoreEE wrote:
Hi guys i have applied for Captial one secured credit card, the only reason i got denied was because of not enough income. when can i reapply again? and how much income do you need to qualify? thanks
Sorry for your denial. I didn't know that income was a factor in secured cards. If you're securing the card with cash, if you don't pay, the bank will just take the money and close the account, so no loss to them. I'd like to know the reason for this as well.
@creditscoreEE wrote:
yeah the letter said it did not affect my credit score since my credit score was not checked which i find a little odd, but i think i will apply maybe in couple of months again.,, well see.
Have you checked your reports for INQ's??
sorry what is that? im new to this site you mean my credit scores?
@creditscoreEE wrote:sorry what is that? im new to this site you mean my credit scores?
Pulled your reports to see if Cap1 did any hard inquiries?
and no i didnt i dont have a monthly plan here buti dont think so.
A simpler way to describe what inquiries are, about how many times in the past have you applied for any form of credit? And if you don't mind, what did you state as your income? I have never heard of anyone getting denied a secured card because of income.
this is my first time applying for a credit card i am trying to build my credit i only have stdent loans deffered at the moment which i will be paying next month i might have put less than 15,000 but i dont remmeber. do you know of any other secured credit cards?
@creditscoreEE wrote:this is my first time applying for a credit card i am trying to build my credit i only have stdent loans deffered at the moment which i will be paying next month i might have put less than 15,000 but i dont remmeber. do you know of any other secured credit cards?
BofA has a $99 deposit $500 CL card.
Not a bad choice!