NEWSFLASH: Capital One Secured MC graduation possible!

[Revelate]

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@gdale6 wrote:

Would be good to know if it is going to report as a new account or if the unsecured will retain the opening date of the secured.

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B7: Did this ever get determined with your friend now that presumably a statement and a bureau report have passed?  I would assume it's like everyone else's secured graduation but this is a brand new thing for C1 hard to say for sure.

[brother7]

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@Revelate wrote:

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@gdale6 wrote:

Would be good to know if it is going to report as a new account or if the unsecured will retain the opening date of the secured.

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B7: Did this ever get determined with your friend now that presumably a statement and a bureau report have passed?  I would assume it's like everyone else's secured graduation but this is a brand new thing for C1 hard to say for sure.

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Opened: 12/31/2015

Graduation email received: 11/29/2016

CLI requested: 12/24/2016 (approved increase from 500 to 1000)

Credit Karma updated: 12/28/2016

From the latest Credit Karma update:

Opened date is still 12/31/2015

Credit Limit shows the new 1000 limit (in other words, after the graduation date)

Based on that, it looks like a Capital One Secured card will report the original Opened date when it graduates.

ADDENDUM: I wanted to add that on 12/29/2016, exactly 1 month after graduation, she successfuly requested a product change from Platinum to Quicksilver (no AF).

[Anonymous]

That's great to hear!  I was getting ready to close my account as well, which I've had since 10/2015, but I'll give it a few more months to see what happens.  More than once I've thought it would be cool to have a path to a QS without taking that heinous triple pull.  With  a little patience, it looks like that's possible.  *stays in the garden for now*

[Aduke1122]

Thanks for sharing this info with us

[Anonymous]

I was going to close this card but now I will hold out hope it will graduate. Had it since Oct 2015. Will give it like 6 more months and if I don't graduate will probably close it. Thanks for sharing this. 

[Anonymous]

I am so ready to get rid of this card. The limit is so low on it I cant really do anything with it. I really hope they graduate mines soon. Otherwise I will probably close it too

[Anonymous]

There must be a lot of folks on these forums that have Cap1 secured cards.  Hopefully, we'll hear of some more graduating.

[Anonymous]

I recently did a chat with them to see if i'm eligible yet, nope. I've had the secured since 4/2013. On the fence on what to do, hold onto or close and app for the unsecured. They did approve me for a QS1 in 5/2016 which i've already seen a cli on. I'm getting better offers now and the unsecured platinum seems to be a dead end road at ths point, especially with no assurance that it will graduate in a week, month, year or ever.  Like many have stated, it seems to be hit and miss with whom they are graduating for.

[LadyCupcakes]

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@Anonymous wrote:

I recently did a chat with them to see if i'm eligible yet, nope. I've had the secured since 4/2013. On the fence on what to do, hold onto or close and app for the unsecured. They did approve me for a QS1 in 5/2016 which i've already seen a cli on. I'm getting better offers now and the unsecured platinum seems to be a dead end road at ths point, especially with no assurance that it will graduate in a week, month, year or ever.  Like many have stated, it seems to be hit and miss with whom they are graduating for.

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Sounds almost identical to me. Got my card Feb 2015 with $250 that won't ever grow.  Per chat a couple weeks ago, no offer to graduate.  Oddly, the CSR seemed all too eager to help me close the account so I could reapply for unsecured card.  My plan is in February before the AF hits, gonna just it out.  Not worth waiting around for another 2 years "will they/won't they".  

[Anonymous]

After requsting a CLI for the CapOne Secured card and getting an instant denial, I did recieve a small CLI in a month or so. So there is a chance they'll notice your account.