Capital One Secured Card

[AAG1903]

What has been your experience on how soon they offered you an unsecured card?

[onepointatatime]

I applied 6 months after getting my Cap1 secured, and got approved for a QuickSilver One for $500, auto-increased to $750 just recently.  6 months after the QS1 - namely, right now - I tried PC'ing it to a QuickSilver Rewards (VISA Signature), and got denied.. they said they need more history on the QS1 before they can consider upgrading me at this point.

[homeinfuture]

I got one in July made 2 payments and then applied for a cap one platinum and was approved for $300, not even one week later I applied for a quicksilver one and was approved for $1000. My fico scores are EQ 596 TU 556 EX 613 . I have one recent charge off with Credit one from last year, one medixal collection and a repo from about 5 years ago.

[Whitneyy]

I have had my card since April. I have paid on time, I actually make two payments a month, above what's due. And I constantly use my card. I have heard that some have gotten CLI's with the secured card that's why I'm using mine like that so I can qualify for one too. 

I haven't been able to obtain another card with them yet, but I will apply come next April.

[Anonymous]

i never had a Secured CapOne Credit Card but i did have a Secured Credit Card before,  you can start applying for other credit cards after 6 or 7 months, The CapOne Journey Visa is great because is very easy to get with limited credit, has NO annual fee and gives you 1.25% Cashback unlimited, you Don't have to be a Student to get it...

[Anonymous]

I have my secured Cap1 since May, I started off with $200 CL, a month later I've make deposit addtional $300, then another month I make addtional $500 deposit to increase my CL. Now I have 1000 CL with them and my CL has not increase yet.  Hopefully it will increase after 6months.  This secured card are very good, It report to CR every month.  I only have this card for 4 months, I applied for addtional unsecure card for QuickSilver Cap1 and I also applied for Journey Visa and gotten approved. I am awaiting for the card to arrive so I can use them. I heard these 2 card from Cap1 are good with reward.

[xXIDaShizIXx]

I have had mine for a year. No CLIs, no upgrades, nothing. Tried contacting EO and Social Network CSRs. Nothing. Bumped my score 30 or so points when I got it, because it was my first card, other than that, it has done nothing for me. I don't carry a balance, always pay in full, no derogatory marks, AoAA is almost 2 years (have student loans). Then again every other lender is like this towards me as well. I'll give it until the two year mark.

[Whitneyy]

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@homeinfuture wrote:

I got one in July made 2 payments and then applied for a cap one platinum and was approved for $300, not even one week later I applied for a quicksilver one and was approved for $1000. My fico scores are EQ 596 TU 556 EX 613 . I have one recent charge off with Credit one from last year, one medixal collection and a repo from about 5 years ago.

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That's interesting. 

[Anonymous]

I completed one year with my C1 secured card this month and while I dont expect a CLI I am interested to see if I get one only because I did get a $100 bump at my 6 mo mark automatically.