topic Re: denied for Capital one Secured CC question. in Understanding FICO® Scoring

denied for Capital one Secured CC question.

Anonymous — Thu, 12 Mar 2015 20:55:00 GMT

so i just got denied for the secured credit card from capital one. i dont understand how im suppose to build credit if i cant even get approved for a secured card. i have a 545 587 550 credit scores. any suggestions?

Re: denied for Capital one Secured CC question.

Gardenhand — Thu, 12 Mar 2015 21:14:54 GMT

they denied me a secured card last year too.

SDFCU has a secured card with no hard credit pull if you apply over the phone. You have to joint the credit union first but that's not a hard pull either. It's a no annual fee card.

Open Sky from Capitol Bank has a no hard pull card. The card reports as a regular credit card and not a secured card. It has an annual fee tho.

Re: denied for Capital one Secured CC question.

Anonymous — Thu, 12 Mar 2015 21:19:44 GMT

And your in with state dept federal is thru the american consumer council. Use promo code CONSUMER to avoid even the 10 dollar donation to join ACC.

Re: denied for Capital one Secured CC question.

tonyjones — Thu, 12 Mar 2015 21:56:51 GMT

@Anonymous wrote:
so i just got denied for the secured credit card from capital one. i dont understand how im suppose to build credit if i cant even get approved for a secured card. i have a 545 587 550 credit scores. any suggestions?

What is on your CR?

Re: denied for Capital one Secured CC question.

gdale6 — Thu, 12 Mar 2015 23:23:12 GMT

Try Open Sky and SDFCU.....

Here is the secured card database link

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302