Cap One Secured, And QS1

[jbradey]

First off let me start off by saying what is up with this CapOne secured card? I have had this card for 3 1/2 years and i recieved one credit limit increase of $100 lol. It was a starter card to build my credit, when i was young and dumb (300 limit). They took away the increase by depositing money onto the card "which i never used" and i can not get an increase on this card for the life of me. They say upgrades for this card is no longer available and that the only way you can get a CLI is when they periodically review your account. I am grateful that cap one was pretty much the only company that would look at me when my credit was crap. But there has to be a way to be rewarded for using this card having flawless payments and PIF every month without having to apply for another card to get a higher limit. As i dont want to close this account cause this is my oldest card.

And about the QS1, i have had this card for almost 6 months now i hit the luv button last month and got a $1000 CLI my 6 months is coming up next week for another increase. When should i try to upgrade the QS1 card?

[Anonymous]

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@jbradey wrote:

First off let me start off by saying what is up with this CapOne secured card? I have had this card for 3 1/2 years and i recieved one credit limit increase of $100 lol. It was a starter card to build my credit, when i was young and dumb (300 limit). They took away the increase by depositing money onto the card "which i never used" and i can not get an increase on this card for the life of me. They say upgrades for this card is no longer available and that the only way you can get a CLI is when they periodically review your account. I am grateful that cap one was pretty much the only company that would look at me when my credit was crap. But there has to be a way to be rewarded for using this card having flawless payments and PIF every month without having to apply for another card to get a higher limit. As i dont want to close this account cause this is my oldest card.

And about the QS1, i have had this card for almost 6 months now i hit the luv button last month and got a $1000 CLI my 6 months is coming up next week for another increase. When should i try to upgrade the QS1 card?

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To this point, no one has reported (that I know of) any cli's of the secured card outside of the small 6 month bumbs that have been the norm.  But their stated policy seems to  indicates that cli's may happen in the future.  If you don't have much invested in the card, maybe just hold on to it for six more months and see where it goes.  Of course, if you never use the card, that may be a factor.  You never know with Capital One.

Go on chat and ask if an upgrade to a regular MC Quicksilver is available.  Odds are very good that it is.