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CapitalOne Secured -> Unsecured

Valued Contributor

CapitalOne Secured -> Unsecured

Add me to the list of graduated CapitalOne cards.

 

This completely defies the notion that it had to be in the original terms. Mine only stated that with good use I could see a CLI at 6 months (I did, $300). My 11th statement just cut last week.

 

They applied my security deposit to my current balance. Smiley LOL


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
Message 1 of 34
33 REPLIES
Community Leader
Valued Contributor

Re: CapitalOne Secured -> Unsecured

@lowkeyorca.

 

Congrats on the graduation.


Gardening till December 2019
AMEX BCP| AMEX ED| BBVA NBA AMEX| Venture| QS| BoA Cash Rewards| Barclays Rewards MC
Message 2 of 34
Contributor

Re: CapitalOne Secured -> Unsecured

Cool! Did they send an email notification?
Message 3 of 34
Established Contributor

Re: CapitalOne Secured -> Unsecured

Congrats!

My 11th statement should be cut tomorrow, but the updated payment is already showing on my CapOne app on my phone. Statement will show balance of
-$11.54 with $501 available credit. Minimum payment of $0 due April 16.
FICO8 Scores - 625TU / 640EQ / 649EX
On Mortgage Journey
Starting Mortgage Scores (Feb 17) 523EQ / 547TU / 564EX
Mortgage Scores Aug 17 624EQ / 649TU / 650 EX
Message 4 of 34
Regular Contributor

Re: CapitalOne Secured -> Unsecured

Nice. Congrats Iowkeyorca that's a nice line to graduate with
3-10-17 EQ 584 / TU 587 / EX 566
4-13-17 EQ 663 / TU 679 / EX 669
5-10-17 EQ 664 / TU 672 / EX 657
6-10-17 EQ 660 / TU 676 / EX 670
7-10-17
Message 5 of 34
Valued Contributor

Re: CapitalOne Secured -> Unsecured


steelholder wrote:
Cool! Did they send an email notification?

They did!

 


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
Message 6 of 34
Regular Contributor

Re: CapitalOne Secured -> Unsecured

Nice.  from what i read; you can go on their online live chat and ask for a prodict change and see if they can upgrade you to the Quick Silver card.

Message 7 of 34
Regular Contributor

Re: CapitalOne Secured -> Unsecured


myyellowis300 wrote:

Nice.  from what i read; you can go on their online live chat and ask for a prodict change and see if they can upgrade you to the Quick Silver card.


Yes they will. It's quite easy. Did it last night. Granted, it was an unsecured Platinum, but the PC was very straight forward. Still waiting to get our secured card upgraded.

1 Timothy 6:10
Message 8 of 34
Valued Contributor

Re: CapitalOne Secured -> Unsecured


myyellowis300 wrote:

Nice.  from what i read; you can go on their online live chat and ask for a prodict change and see if they can upgrade you to the Quick Silver card.


can you have 2 QS cards?


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
Message 9 of 34
Established Contributor

Re: CapitalOne Secured -> Unsecured

Congratulations! I've had a Cap One secured MC for just about 15 months now and my status on that card has been pretty much unchanged since I got my $300 CLI in June of last year, upping my line to $951 (I put in a $500 security deposit); I got an unsecured MC with a $3,000 line last month so I don't know how that would affect prospects of the secured card being graduated. I've actually started thinking about the possibility, after paying it down, of closing the secured card out and getting my deposit back if I get either the Visa or Amex I'm considering in the fall - of course, if Cap One does graduate me before then, that'd alter the case rather a bit!

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 12/1/17:TU 663/EX 697/EQ 688 FICO 8 (Aug 2017) or 680 FICO 9 (Penfed Sep 2017), VS 3.0 12/1/17: TU 699/EX 687/EQ 693. $33.2K revolving credit as of 11/7/17; $951 Cap One secured Platinum MC, $2000 Apple FCU Platinum Visa, $3500 Amazon Prime Store Card, $3500 Walmart Store Card, $3500 Cap One Quicksilver MC, $4000 Care Credit, $4300 Overstock Store Card, $4500 Discover It, $7000 Penfed Power Cash Rewards Visa, $10k PenFed used car loan, $5k Navient student loan. In the garden again from 10/26/17 for at least the next 3 months unless I get a really really good preapproval.
Message 10 of 34