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New Member
Posts: 7
Registered: ‎03-12-2012
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Re: What score do I need to get a secured card

Applied for Cap 1 and was accepted...I will update again in a month or so after I see how it affects my score. Thanks again everyone.

Valued Member
Posts: 54
Registered: ‎03-12-2012
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Re: What score do I need to get a secured card

yay   congrats    make payments on time  and  all the rules  and  you will be on your way  UP AND UP

Seedling:
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: What score do I need to get a secured card

[ Edited ]

loudcityjimmy wrote:

Applied for Cap 1 and was accepted...I will update again in a month or so after I see how it affects my score. Thanks again everyone.


Big Congrats!!!! Is this your 1st CC in your rebuild journey?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Member
Posts: 24
Registered: ‎02-25-2012
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Re: What score do I need to get a secured card

Does capital one report to all 3 CRA?
Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
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Re: What score do I need to get a secured card

Yes they do remember to stay under 9 % utilzation and find out what date your statement cuts then pay it down to the 9% or less a few days before Good Luck!!


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New Member
Posts: 7
Registered: ‎03-12-2012
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Re: What score do I need to get a secured card

Quick update...


Spent a half on hour trying to figure out how to send my security deposit with Cap1 only to find they approved me for an unsecured card instead of the secured one, which is of course, a very pleasant surprise. Thanks again everyone for your counsel.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: What score do I need to get a secured card

Lets hope your in credit steps!! Congrats!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
Posts: 112
Registered: ‎03-18-2012
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Re: What score do I need to get a secured card

i app BoA secure card  $300 and $39 AF and they approve me...

Regular Contributor
Posts: 180
Registered: ‎03-15-2012
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Re: What score do I need to get a secured card


bichonmom wrote:

You might want to talk to some local CUs. They are often more flexible and user-friendly than banks. They should be able to give you *some* idea before pulling your credit if you could get a secured card with them.

 

 


+1  My CU was VERY supportive of my quest to rebuild my credit.  It's best if you have a decent relationship - established checking/savings. I got a quick loan from them, and paid it on time, in full, a few years back. I've been with them for 8 years, and they approved a $500 Visa (unsecured), with no annual fee, and a good interest rate. I didn't think they would give it to me.  I would have probably passed on the Orchard Bank unsecured card,  if I'd known they were so willing to work with me.

 

Credit Rebuild Start Date (3/12)
Oakland County CU Visa ($500) | Capital One Quick Silver One ($600) | Capital One Secured MC ($200) | Walmart ($1600) | PayPal Credit ($1000) | Jared ($3500) | Victoria's Secret ($850) | Gettington ($3500) | Zales ($1000) | Amazon Store Card ($850) | NewEgg Preferred ($2400) | Discover IT ($1500) | Dillard's AMEX ($1500) Target ($500) | Overstock Store Card ($1200) | Kohl's ($1500) | Old Navy ($500) | Macy's Store Card ($800)
New Member
Posts: 7
Registered: ‎03-12-2012
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Re: What score do I need to get a secured card

Letter said I am in credit steps, but it seems like a lot of different opinions on the boards here about what to expect from the credit steps program.

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