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Hello , I just got approved for a C1 credit card with a 300 credit limit and a CAP1 secure card with a 300 credit limit as well. Are they good starter cards to rebuild? any help will be much appriciated . THX
Yes they are, treat them well and use them alot if u can and PIF them during the month before your statement date and you will see that grow fast! Also, make sure that before it reports that you have a zero balance or a very small balance reporting
Just keep the balances small, or at least below what they were on your last billing cycle. If you constantly show a zero balance, it will look like you're not using the card to the CRA.
Credit Score Update as of 6/29/2016 -
TU - 581
EQ - 618
EX - 574
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Credit update as of 8/4/2016
Accounts open
Cap Secure card CL 300
Credit One Card CL 450
Co-signer Auto Loan 30,000
Co-signer Auto Loan 28,000
EQ 626
TU 639
EX 586
As of 8/21/2016
Accounts open
Cap Secure card CL 300
Credit One Card CL 450
Co-signer Auto Loan 30,000
Co-signer Auto Loan 28,000
EQ 635
TU 610
EX 592
CAP1 is a good company to work with, on rebuilding, and on just having their cards. I love their Quicksilver card, and it's helped me. Maybe switch-over to that after awhile with them.
@Anonymous wrote:Hello , I just got approved for a C1 credit card with a 300 credit limit and a CAP1 secure card with a 300 credit limit as well. Are they good starter cards to rebuild? any help will be much appriciated . THX
Capital one, YES. Credit One, NO.
Credit update as of 10/3/2016
Accounts open
Cap Secure card CL 300
Citi Bank Credit Card CL 200
Credit One Card CL 450
Co-signer Auto Loan 30,000
Co-signer Auto Loan 28,000
EQ 635
TU 625
EX 580