Capital One Platinum & Secured

Anonymous · ‎07-25-2015

I applied last week for the Capital One Secured card and got approved for the card with a $99 deposit and a $200 limit. I don't have many inquiries, so I thought I'd give the Capital One Platinum application a try expecting to be denied. I was shocked to be approved for the card with a $300 limit.

I know to many on here a $300 limit is nothing but this is the first unsecured card I've been approved for in 6 years of slow rebuilding. Particularly since my FICO scores are all mid 500's and I've got a few negatives still to be dealt with. I couldn't be more thrilled. Another step on the credit ladder back to a 700 score.

Anonymous · ‎07-25-2015

@Anonymous wrote:
I applied last week for the Capital One Secured card and got approved for the $99 deposit with a $200 limit. I don't have many inquiries, so I thought I'd give the Capital One Platinum application a try expecting to be denied. I was shocked to be approved for the card with a $300 limit.

I know to many on here a $300 is nothing but this is the first unsecured card I've been approved for in 6 yeasts of slow rebuilding. Particularly since my FICO scores are all mid 500's and I've got a few negatives still to be dealt with. I couldn't be more thrilled. Another step on the credit ladder back to a 700 score.

Congratulation. Good first step. Before August of last year, I didn't have a credit card to my name, then I got a preapproval from Capital One and my rebuilding process has started from there. Keep us posted on your progress.

OmarGB9 · ‎07-25-2015

Grats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Anonymous · ‎07-25-2015

Congratulations! A meaningful journey starts with little steps. Every step is important.

Anonymous · ‎07-25-2015

Keep it up, you'll get to your goal! Many of us have been there for one reason or another, stick to the plan.

Anonymous · ‎07-25-2015

Congrats! Be good to Capital One and they will treat you well. I started with a secured card six months ago and now have a Venture and Quicksilver with healthy limits (for me). I stil have the secured card (I don't use it and will close it next January) and they increased my credit line last week.