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Valued Contributor
Posts: 1,675
Registered: ‎06-30-2016

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
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Valued Contributor
Posts: 2,203
Registered: ‎02-28-2015

Re: CapitalOne Secured -> Unsecured

@lowkeyorca.

 

Congrats on the graduation.


Gardening till December 2018
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Posts: 80
Registered: ‎05-24-2016
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Re: CapitalOne Secured -> Unsecured

Cool! Did they send an email notification?
Frequent Contributor
Posts: 480
Registered: ‎03-13-2017

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
Regular Contributor
Posts: 128
Registered: ‎03-07-2017

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
Valued Contributor
Posts: 1,675
Registered: ‎06-30-2016
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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
Regular Contributor
Posts: 140
Registered: ‎02-21-2017
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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.

Regular Contributor
Posts: 236
Registered: ‎03-16-2017
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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
Valued Contributor
Posts: 1,675
Registered: ‎06-30-2016
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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
Established Contributor
Posts: 1,156
Registered: ‎02-07-2017
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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!

Rebuilding credit since 12/14 Ch7 BK discharge. FICO 10/16/17:TU 659/EX 694/EQ 688 FICO 8 or 680 FICO 9 (Penfed), VS 3.0 10/16/17: TU 704/EX 691/EQ 697. $800 Amazon Prime Store Card, $951 Cap One secured Platinum MC, $1200 Walmart Store Card, $2000 Apple FCU Platinum Visa, $3000 Penfed Power Cash Rewards Visa, $3500 Cap One Quicksilver MC, $3600 Discover It, $4300 Overstock Store Card, $10k PenFed used car loan, $5k Navient student loan. In the garden as of 7/2/17 AND THIS TIME I REALLY MEAN IT!!! (unless I get a preapproval I can't refuse...)

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