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Cap1 Secured to Unsecured

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AwwwYeee
Regular Contributor

Cap1 Secured to Unsecured

Just for future references. I was wondering has anyone ever did a PC from the capital one secured cc to an unsecured?  I want to garden my secured for at least 6-8 more months but i really like the quicksilver.  any good shot for a PC?

Message 1 of 8
7 REPLIES 7
northface28
Established Contributor

Re: Cap1 Secured to Unsecured

Simply put, no.
BK Discharged 9/11

Cap1 Quiksilver Visa Signature $41k| Discover IT $24k| Barclays Uber VISA $16.2k|BOA Cash Rewards $8.4k| BOA BBR $6k|AMEX Cash Magnet $12.8k|AMEX BCP $16.6k|Huntington Voice $5.5k|Citi Double Cash $5.7k| US Bank Cash+ $6.5k
Message 2 of 8
ac921ol
Frequent Contributor

Re: Cap1 Secured to Unsecured

nope, my wife is looking at applying for her 2nd card and once she gets it she will cancel her Secured from Cap1.

 



12/28/13 (Garden Start Date)



Message 3 of 8
coldnmn
Mega Contributor

Re: Cap1 Secured to Unsecured

No you have to apply they wont unsecure.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 8
Duncanrr
Valued Contributor

Re: Cap1 Secured to Unsecured

They changed their policy about a year ago. They don't graduate at all right now. I messaged them about it a couple of times. Both of times they asked me to apply for another card. I told them that I would not get another cap1 product as long as they have a triple cr pull policy.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

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Message 5 of 8
AwwwYeee
Regular Contributor

Re: Cap1 Secured to Unsecured


@Duncanrr wrote:
They changed their policy about a year ago. They don't graduate at all right now. I messaged them about it a couple of times. Both of times they asked me to apply for another card. I told them that I would not get another cap1 product as long as they have a triple cr pull policy.

Damn that sucks. I guess its fine. I'll just apply after a while then.. Thanks guys!!

Message 6 of 8
p-
Valued Contributor

Re: Cap1 Secured to Unsecured

I ran into this back when I had a WF secured card.  They "changed their policy" and quit graduating cards.  I was so pissed because that's why I had the card in the first place.  I closed the card, and sure enough a year later they were graduating again.  You might give it time - policies are always changing.

 

 

Message 7 of 8
AwwwYeee
Regular Contributor

Re: Cap1 Secured to Unsecured


@p- wrote:

I ran into this back when I had a WF secured card.  They "changed their policy" and quit graduating cards.  I was so pissed because that's why I had the card in the first place.  I closed the card, and sure enough a year later they were graduating again.  You might give it time - policies are always changing.

 

 


Thanks for the advice!! I think I might check it out when I feel I'm ready to get a new card!

Message 8 of 8
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