Cap1 secured. How long should I wait

[sleepingiant]

How long should I wait before applying for an unsecured card with them?  Ive only had it for 2 months.  It actually hasnt even started reporting yet but I was just wondering for my own knowledge.  I dont really care about that card ever actually unsecuring if it will at all. I would just rather keep it and apply for another.  Thanks

[cda710]

What are your scores?Baddies?

[sleepingiant]

terrible.  mid 5s.  only baddies are old ones im just kinda waiting to fall off.  only have 2 cards right now just for rebuilding.  both of which are secured. one at 35% util other at less then 10%

[fixitquick]

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@cda710 wrote:

What are your scores?Baddies?

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Agreed - need way more info. You can always check: https://findmycard.capitalone.com/PageVersions/LandingPages/LP_UNS_MS_V02.aspx Others will certainly be more knowledgable than I, but I'm not wasting a hard pull until they tell me I'm preapproved.

[sleepingiant]

ha they pre approved me for the same secured card i already have.  I suppose im not ready until i can get preapproved.

[injustifiiable]

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@sleepingiant wrote:

ha they pre approved me for the same secured card i already have.  I suppose im not ready until i can get preapproved.

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Ha, they did the same for me after they PRM softed EQ...heck I'd even take it but I'm pretty sure they'd do another HP. No thanks

[bodybuilder510]

Hi, I got my secured card on June 2011 and let 4 statements cut. I applied for the platinum(unsecured) card. I was approved instantly with 500 limit. I suggest you keep the secured active for 6 months to an year. You will be in great shape for prime card. Capital one will pull three hards, not worth it.

[rckstrscott]

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@bodybuilder510 wrote:
Hi, I got my secured card on June 2011 and let 4 statements cut. I applied for the platinum(unsecured) card. I was approved instantly with 500 limit. I suggest you keep the secured active for 6 months to an year. You will be in great shape for prime card. Capital one will pull three hards, not worth it.

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Agreed on this one.. I had my CapitalOne secured now for about 18 months and I think I am going to start apping soon for prime cards.

-scott

[wmcodywilson]

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@sleepingiant wrote:

ha they pre approved me for the same secured card i already have.  I suppose im not ready until i can get preapproved.

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Funny you say that. Im in the exact same boat but they ended up sending me a letter (No HP). They said I just opened a new accont with them and need to wait before applying for something else. So yeah, as everyone said I guess we'll have to wait the 6 months before applying for something else.

[bbrannan]

I was approved for the secured Cap1 card back in Feb 2012 with $200 CL. After reading several posts from many readers, I did a little research to determine which card I would most likely have a chance of being approved for and finally decided on the Cap1 Cash Rewards card. I'll admit that I was a little concerned about giving up a HP on an attempt so early in the game but I am glad I took the leap of faith. I was instantly appoved with a 3K CL! I was THRILLED! I feel like I am making progress...but still have a LONG way to go! So don't give up! Before you know it, you will have the choice of telling THEM "NO" if you want to!!!