02-02-2012 01:12 PM
The Capital One Secured was my first credit card. I've had it for 10 months now and with staying under a 15% credit limit ratio and paying in full every month I've been accepted for a AMEX Blue Cash Everyday. Think i may close my Capital One card now. only a $350 limit and its useless to me now that my credit score is 774.
I give Capital One credit for helping me out. However if you have established and good credit I would never get another one of their cards. Never had a problem, just believe their low CL is hurting a lot of people who "need" to charge more on their credit cards.
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