topic Re: Secured on unsecured in Credit Cards

Secured on unsecured

Anonymous — Mon, 19 Mar 2012 02:39:09 GMT

I have a unsecurd CC with Capital One with a limit of $300. Since I already have a CC with Capital One can I open another one with them? Wil it affect my CS, I have 6 inquiries. One is coming off in may of this year.

Re: Secured on unsecured

pizzadude — Mon, 19 Mar 2012 02:40:48 GMT

You can apply for multiple cards with Cap1. They actually seem to like it that way......

Any new application with them will be a hard pull x3 though.

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 02:44:11 GMT

what do you mean hard pull x3.

Re: Secured on unsecured

pizzadude — Mon, 19 Mar 2012 03:00:56 GMT

@Anonymous wrote:
what do you mean hard pull x3.

Cap1 will pull all three CRAs with an application, so you would be getting a hard pull on EX, EQ and TU.

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 02:45:23 GMT

Yeah, I just asked a CSR yesterday about this (for future plans). I asked if my secured graduated to an unsecured and he said "no, but you are welcome to apply for a 2nd, unsecured card in the future."

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 02:58:06 GMT

With my current CS what kind of card should I be looking for.

Re: Secured on unsecured

pizzadude — Mon, 19 Mar 2012 03:05:47 GMT

@Anonymous wrote:
With my current CS what kind of card should I be looking for.

How long has your Cap1 card been opened, and what is your overall length of credit history ?

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 10:37:42 GMT

I've had a Capital One CC since January of this year. As far as credit history I have an auto loan that I
In June of this year will be 2 years. Also have a secured loan with bank, going on 9 months with that. Never been late on any of these payments.

L

Re: Secured on unsecured

LS2982 — Mon, 19 Mar 2012 11:23:37 GMT

@Anonymous wrote:
I've had a Capital One CC since January of this year. As far as credit history I have an auto loan that I
In June of this year will be 2 years. Also have a secured loan with bank, going on 9 months with that. Never been late on any of these payments.

L

Your better off gardening your new account for at least 6 months to a year before apping for another card.

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 11:43:19 GMT

ok will do

Re: Secured on unsecured

Repo-ed — Mon, 19 Mar 2012 11:45:23 GMT

Gardening until 2013 would be even better!

Re: Secured on unsecured

Anonymous — Mon, 19 Mar 2012 11:52:20 GMT

I have 3 cap1..

2 cap1 plat card and 1 Sony card

They told me that is all I could have.