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For the rebuilders wondering about Cap1 secured to unsecured here you go...

Regular Contributor

Re: For the rebuilders wondering about Cap1 secured to unsecured here you go...

Yea I was kind of bummed, just because I figured if they are actively graduating my profile (especially with Cap1) should be ideal for this sort of thing. It's all good, Cap1 has been good to me over the years, they gave me a chance when nobody else would. 

Starting Score:Low 500s in 2013
Current Score 11-13-17: TU: 750 EX: 801 EQ: 762
Goal Score: 740 Across the Board
In My Wallet: Cap1 QS1 - Cap1 BuyPower - PenFed Power Cash Rewards - PenFed Promise - AmEx Delta Gold - AmEx Green - DISCO - NFCU Cash Rewards

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Valued Contributor

Re: For the rebuilders wondering about Cap1 secured to unsecured here you go...


JGGM wrote:

I logged in and went to the live chat after I saw this. I have only kept this card because of its age, use it once every couple of months for something small. I asked the live chat rep if I was eligible to be graduated to an unsecured card. It was opened in 9/2015. She said no. Wasn't a huge deal to me because I wasn't probably going to do anything with the unsecured version either. For data points, I have the QS1, GM BuyPower as well, combined $7,500 CL with 7% utilization. Also have a couple other cards. No late pays in last 5 years. I suppose this is one of those YMMV situations, but that is what I experienced today. 


I haven't seen anyone graduate that started then, it all appears to be January 2016 and on.


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700