FICO Scoring (640) was the main reason...and that was in the list....American Express Zync
That FICO score will not sufficient for prime products from Cap1. At least 690/700 or better.
I had a Cap1 Secured Platinum Card as my only card for eight months when I applied for my Amex Cards.
I had a secured credit line of $2000. I paid in full every month with a 10% monthly usage.
A lot of people knock Cap1 but they were the only ones who would give me a credit card that reported to all three Credit Bureaus.
Cap 1 was the key tool that was essential to rebuilding my credit.
They do not give you CLI's unless you deposit more money.
Cap 1 also does not do a product change from secured to unsecured you have to apply for a new unsecured card after a year of good history with the unsecured card.