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Capital One Secured Deposit Refund - Now Unsecured!

OliviaJane
Member

Re: Capital One Secured Deposit Refund

Congratulations to you also!   My refund was on the 18th. I guess we are both at the beginning of this new cycle. Hopefully others on this board will benefit from this. 

Message 21 of 153
FinStar
Moderator

Re: Capital One Secured Deposit Refund

<as everyone else checks to see if the Combine Accounts feature has returned> 👀

Message 22 of 153
wishuponastar
Member

Re: Capital One Secured Deposit Refund

My Security Deposit of $149 was finally refunded on November 19, 2020 after 3 YEARS of having my Capital One Secured Credit Card. I honestly never thought it would be returned without me having to close the Card, especially not after they stopped Graduating the Secured Credit Card a few years ago.

 

The Credit Card is still labeled as "Secured" when I look at my account using Chrome.. I'm not sure if that will change in a few days or what.

Message 23 of 153
LaHossBoss
Senior Contributor

Re: Capital One Secured Deposit Refund


@wishuponastar wrote:

My Security Deposit of $149 was finally refunded on November 19, 2020 after 3 YEARS of having my Capital One Secured Credit Card. I honestly never thought it would be returned without me having to close the Card, especially not after they stopped Graduating the Secured Credit Card a few years ago.

 

The Credit Card is still labeled as "Secured" when I look at my account using Chrome.. I'm not sure if that will change in a few days or what.


Congrats on your Cap One secured graduating!

 

You must have just missed the cutoff of them graduating cards. You finally got there, though, so it is done!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 24 of 153
JeffMO
Regular Contributor

Re: Capital One Secured Deposit Refund

I called and talked to a rep to see if i could get my deposit returned-graduated and he said he couldn't perform that action. He did however confirm that graduating is taking place again and the analysts are working through all this month of November flagging accounts for graduation. He told me to hang on to hope and it might happen yet. I wont hold my breath lol. 

 

 






Capital one 500, Discover 2600. UMB Signature visa 10k, DW UMB card Auth user 16K. Citi Costco anywhere 8100
AAOA 1y8m, oldest 3 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 3 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 25 of 153
LaHossBoss
Senior Contributor

Re: Capital One Secured Deposit Refund


@JeffMO wrote:

I called and talked to a rep to see if i could get my deposit returned-graduated and he said he couldn't perform that action. He did however confirm that graduating is taking place again and the analysts are working through all this month of November flagging accounts for graduation. He told me to hang on to hope and it might happen yet. I wont hold my breath lol. 

 

 


How long have you had your cap one?




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 26 of 153
JeffMO
Regular Contributor

Re: Capital One Secured Deposit Refund

 

@LaHossBoss 

I opened it December 9th, 2017 so right at 3 years. Me and DW got both at the same time and they graduated hers within 3 months and I've been hanging ever since. Made me angry lol. Oh well lol






Capital one 500, Discover 2600. UMB Signature visa 10k, DW UMB card Auth user 16K. Citi Costco anywhere 8100
AAOA 1y8m, oldest 3 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 3 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 27 of 153
Caprisun987
Frequent Contributor

Re: Capital One Secured Deposit Refund

@JeffMO Good luck, I hope you graduate this month!

 

I do hope they continue to graduate cards, I used to recommend them for credit rebuilding purposes but have shifted to other FIs offering secured cards (mainly Discover and Navy). 

 

If you read the reviews on the secured card page of the Cap One site, you will see all the complaints lol.

 

I wonder how this will impact cli on newly graduated cards. 

Message 28 of 153
blindambition
Community Leader
Senior Contributor

Re: Capital One Secured Deposit Refund

You might have checked during maintenance. Reason it might not have had correct title. If I check accounts late at night when maintenance is common, the QS skin is removed shows Platinum instead. Which is what card started as with HSBC.


@wishuponastar wrote:

My Security Deposit of $149 was finally refunded on November 19, 2020 after 3 YEARS of having my Capital One Secured Credit Card. I honestly never thought it would be returned without me having to close the Card, especially not after they stopped Graduating the Secured Credit Card a few years ago.

 

The Credit Card is still labeled as "Secured" when I look at my account using Chrome.. I'm not sure if that will change in a few days or what.


 

Message 29 of 153
JeffMO
Regular Contributor

Re: Capital One Secured Deposit Refund


@Caprisun987 wrote:

@JeffMO Good luck, I hope you graduate this month!

 

I do hope they continue to graduate cards, I used to recommend them for credit rebuilding purposes but have shifted to other FIs offering secured cards (mainly Discover and Navy). 

 

If you read the reviews on the secured card page of the Cap One site, you will see all the complaints lol.

 

I wonder how this will impact cli on newly graduated cards. 


Thank you @Caprisun987 , I have no idea how it will impact cli after, but here's to hoping! I just would fall over backwards if they select mine...would make my whole year. Cause then I will PC it right away LOL 😆 






Capital one 500, Discover 2600. UMB Signature visa 10k, DW UMB card Auth user 16K. Citi Costco anywhere 8100
AAOA 1y8m, oldest 3 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 3 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 30 of 153
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