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I have a Capone secured credit card for about 8 months now with a $200 limit, recently they raised to $300. Does anyone know how to have get them to give a cli withut making a deposit and if that's possible? I called and ask for a cli but they said I have to make my own deposit. Thank you in advance.
@Give_Me_Credit_Please wrote:I have a Capone secured credit card for about 8 months now with a $200 limit, recently they raised to $300. Does anyone know how to have get them to give a cli withut making a deposit and if that's possible? I called and ask for a cli but they said I have to make my own deposit. Thank you in advance.
I think it is a one time thing you get after 6 months (or not). I have not seen anyone report every getting anything else on their secured card.
The only increase I ever received was during my initial investment of $500. With that deposit, I received a $651 CL.
I chatted with a rep, as an extra deposit I made did not hit the system when I thought it would, and he said that during year, they do a review but could not discuss when it occurs or what they will do with your secured card...some secret-squirrel type of stuff. But good luck. Let us know if something works out for you.
I attempted to ask for upgrade to unsecured but they said once I qualify, they will send an invitation to apply. I just don't want to be stuck with this secured card if it's not gonna grow with me. I do have an Orchard for about 2yrs now and originally it was unsecured for $300 cl and since than I only received $200 cli totaling $500. Since Orchard is now Cap1, I don't know how their gonna approach it with my secure card. Thanks for everyone's help.
@Give_Me_Credit_Please wrote:I attempted to ask for upgrade to unsecured but they said once I qualify, they will send an invitation to apply. I just don't want to be stuck with this secured card if it's not gonna grow with me. I do have an Orchard for about 2yrs now and originally it was unsecured for $300 cl and since than I only received $200 cli totaling $500. Since Orchard is now Cap1, I don't know how their gonna approach it with my secure card. Thanks for everyone's help.
They don't unsecure it ever. They expect you to apply for unsecured card. I suggest you try the prequalify on their website and apply when they come back with a card you like as you will most likely get it. Then you can close your secured card after that.
If you are looking for bigger limits, putting down a big deposit now and can help you get a good limit later with their unsecured card. It worked for me.
Thank you for that advice, I really hate to make a deposit into a card that's not gonna grow with me. I rather place that securty deposit into a secured card like bofa or Wells Fargo, which I have just applied for yesterday. Thank you for all your help.