Posts: 253
Registered: ‎08-06-2012
Re: Denied for CLI on Cap 1 secured card. What to do next?

CreditCowboy wrote:

Hey Speeding Wheels,


I see you have a cap 1 card as well. Was that your first card on the road back? Was the Cap 1 cash rewards hard to qualify for? 

Cap1 secured was my first acct. 

I started with a $200 CL and did 2 very small deposits to increase the CL a few months apart. 

At the 1 year mark they offered a verrrrry small unsecured CLI ($100). 


All that being said, keeping that card in good standing did wonders for my scores. 

You just have to be patient.. it takes time. And you can boost your score by increasing your limit with an additional deposit (I sound like a broken record here, but it's true)

Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)