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Capital One Holding me Back?!?

Mega Contributor

Re: Capital One Holding me Back?!?

XxRaVeNxX wrote:

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.


EQ FICO 548 3/3/16
Message 11 of 12
Regular Contributor

Re: Capital One Holding me Back?!?

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.




Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 12 of 12