Capital One Secured Card

[pizza1]

My advice would be to apply for another unsecured Cap1 card, and then ditch the secured, and get your money back, especially if has ab AF. The secured card will stay positive on your reports for 10 years.

[Anonymous]

Agree with pizza.
I got cap1 secured card last March. Only got up to 500$ never unsecured, but I kept it open for a year, it helped me qualify for the cards I have.
Once I got cli that brought my cl up to 12000 from 7000, that's when I closed it. I have a ten month old unsecured qs( PC from platinum) got 200 cli to 500 but that's it. I've been putting 3-400 dollars through it per month but I still see the (not using enough of current credit limit) message when I ask for cli.

[MisterWives]

Same thing happened to me I had a secured Capital One for over a year didn't graduate i'm assuming because I barely used it besides for my Spotify subscription. Discover was a lot more gracious with their secured card graduated within 6 months, but to be fair I esentially used it as my main card for the cashback match bonus for the first year. I ended up closing the Capital One Secured as the SL was low $500, there were no benefits cashback wise, and they had my deposit which was essentially like loaning money to them for free at no interest so why would they care to graduate it since they already had my money.

Edit: You could just keep the secured one open and apply for an unsecured card and see what happens

[Anonymous]

If it is any consolation, I think that card reports as an unsecured credit line during hard pulls.

That card cannot be changed to an actual unsecured card, at least not the last time I read into the details (which I believe was close to when you got your card). 

[Anonymous]

They may not be graduating it because the secured card is also a platinum card. So they would be graduating it into a card you already have. I'm not sure if you can have two of the same card but that's my guess.

[Anonymous]

Plus 1

[Anonymous]

I had the secured platinum and the regular Platinum At the same time but eventually I pcd the unsecured to Quicksilver.so yes you can have two of the same cards at the same time but remember they are no longer combining accounts. Main reason I canceled or got my security deposit back from first card.

[Petit3tee]

That’s so cap1. I don’t even remember how long it took mine to graduate but it’s years. Anyhow, what I’d suggest you do is to focus on the unsecured that you also have. See if you can pc to either venture1 or qs1 since it’s been over a year and if these are the only 2 cards you carry, maybe add another card from disc or citi... Mine steps were cap1 secured, cap1 unsecured, disc it
Hope this helps, best of luck!