Cap1 won’t unsecure tenured card

Anonymous · ‎09-12-2018

Any way to get CapOne to agree to unsecure an old card which has always been on time.

MrDFinance · ‎09-12-2018

No way to convince them...If your scores have improved enough i would just start applying for new cards and Sock draw that card......

This is assuming you already called them and spoke to them about this...How long have u had the card?

19eighty5 · ‎09-13-2018

I agree with the above post. If you're able to apply w/ high likelihood of approval, it may be best to sockdrawer the CapOne card and move on to something better.

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

rbentley · ‎09-13-2018

There must be some reason they won't unsecure. How long have you had it? If you can get other cards I would join the recomendation to move on. I wouldn't SD a secured card. I would close it and move it to Discover IT or another provider who is know for graduating secure cards.

Anonymous · ‎09-13-2018

I myself have had a Cap1 secured card for 2 yrs now.
Still secured w/ $200 deposit limit.
No increase or offer to unsecure at all.
Not sure why as I have other cards now and my credit is good.

FireMedic1 · ‎09-13-2018

Seems like the older secured cards were approved with a different protocol programed in the computer by the higher ups at that time to the program developer and has never been changed. Just like some starter bucket cards. For a better word. Your kinda stuck. If you have better cards now. JMO I'd send them off to pasture. They did their job. Time to move on.