I can't remember what the exact terms where when I opened my Capital One secured credit card account, but I opened it in July 2011. I made an additional deposit to bring the credit line to $500. On about my one year anniversary I got a letter from Capital One saying that due to my good use of the card, etc. they were going to increase my CL $100 which would not require an additional security deposit. Since then I have added another $500 security deposit, so now my credit line is $1100. I have been very pleased with my Capital One Secured Card and have kept the reported balance under 10%, but on some months have made heavy use of the card, just didn't let it report that high balance.