topic Re: Product Change from a Secured Capital One in Credit Cards

Product Change from a Secured Capital One

xgac12x — Wed, 04 Sep 2013 03:03:02 GMT

I have a Capital One Secured and I was just wondering if they offer Product changes? If so what should I go for? the Quicksilver?

Re: Product Change from a Secured Capital One

FinStar — Wed, 04 Sep 2013 03:07:17 GMT

AFAIK, Capital One secured products do not unsecure nor can be PC'd. Someone else may be able to chime/confirm.

Re: Product Change from a Secured Capital One

myjourney — Wed, 04 Sep 2013 03:11:41 GMT

@FinStar wrote:
AFAIK, Capital One secured products do not unsecure nor can be PC'd. Someone else may be able to chime/confirm.

+1 correct on both points

Re: Product Change from a Secured Capital One

Credit-hoarder — Wed, 04 Sep 2013 03:22:27 GMT

My first and second CAP 1 cards were secured, and they pre-approved me for my 3rd-a K-Mart M/C.This was over 10 years ago and before I started screwing up really bad and went into collections with them. You can always apply for an usecured, AFAIK they let you have more than one.

Re: Product Change from a Secured Capital One

djc1puno — Wed, 04 Sep 2013 04:41:57 GMT

+1...can't do a product change or unsecure with capone one secured cards...

Re: Product Change from a Secured Capital One

Anonymous — Wed, 04 Sep 2013 04:53:42 GMT

yeah I don't plan on keeping mine past 6 months (got it in July). What a waste.

Re: Product Change from a Secured Capital One

Anonymous — Wed, 04 Sep 2013 06:50:31 GMT

Know of 2 people who had HSBC or Orchard (not sure which) secured card change into unsecured card when Capital One took over. Not sure if this is change of policy or something to do with handover.

Re: Product Change from a Secured Capital One

Legen_dary — Wed, 04 Sep 2013 14:23:50 GMT

I haven't heard of the Cap One Secured MC unsecuring. I've had mine for almost 2 years and plan on cancelling it before the AF hits.

Re: Product Change from a Secured Capital One

bigblue7722 — Thu, 05 Sep 2013 00:34:16 GMT

The card does not do a product change but as someone on this board told me just use it for what it is. A secured card with a not great but major lender better than the first permier or other really low end lenders with lots of fees. I am glad i applied for the card first because without it i dont think i would have been able to get the boa secured which is harder to get. Also, the ability to do a secured cli without a hard pull is a plus as well as some have said on here that they have recieved unsecured cli of $100 it may not seem like a lot but anything is better than nothing.

Re: Product Change from a Secured Capital One

creditscoreEE — Thu, 05 Sep 2013 00:59:07 GMT

@bigblue7722 awesome! How long did you have capital one secured after getting approved for Bank of America secured?

Re: Product Change from a Secured Capital One

bigblue7722 — Thu, 05 Sep 2013 02:15:33 GMT

@creditscoreEE wrote:
@bigblue7722 awesome! How long did you have capital one secured after getting approved for Bank of America secured?

It was about two months. I wish I knew my fico score during the times I got my Cap one and boa cards but I didnt subscribe to sw till June and I got the cards in march and may. I have been with boa for 6 plus years and have a good amount of money with them I am not sure how much that helped me. Imo The boa secured is the best secured card on the market right now because of the PC to the 123 rewards (just call them after u get approved for the regular secured to change the card). Also most people say it graduates in about a yearwith a higher cl them your security deposit.

Re: Product Change from a Secured Capital One

Kenny — Thu, 05 Sep 2013 02:35:01 GMT

Capital One seems to be product changing to the capital one quicksilver left and right! Super duper easy!