Capital One "Builder Program" Credit Card

[Anonymous]

I thought it sounded like a pretty good option for people at the stage of the game where they really can't get much.  $100 is so little but a tank of gas once a month or something similar for a few months to get a $500 line and without having to deal with the really, really subprime lenders or the possibility of having to close your early card(s) because they are secured that don't graduate and you want your deposit back is well, well worth it in my opinion.

Anything that adds to the ability to steer people away from First Premier, Continental Finance, Credit One is a-ok in my book.

[Anonymous]

Trying everything to get the link to work.  I have tried all 3 browsers I have and going ingocnito with Chrome no go.   I am wanting to get this for my mom she needs a CC to rebuild her credit.

[Anonymous]

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@Anonymous wrote:

Trying everything to get the link to work.  I have tried all 3 browsers I have and going ingocnito with Chrome no go.   I am wanting to get this for my mom she needs a CC to rebuild her credit.

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Did the direct link to the application work?  It doesn't have the pretty stuff I posted screenshots of but it does have all of the terms listed there.

[Anonymous]

Got it on my phone My mother that lives WITH ME yes you read that right she lives with me.  Said thank you very much.  Her credit is not bad its just all she has is a Car Payment and thats it.  So she really dont have no history with any Credit cards since 07 when her/ my father passed away.  So now she can start rebuilding a CC sheet.  She has over 600 Credit score so I dont know why they wont approve her.

[UncleB]

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@Anonymous wrote:

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@Anonymous wrote:

Trying everything to get the link to work.  I have tried all 3 browsers I have and going ingocnito with Chrome no go.   I am wanting to get this for my mom she needs a CC to rebuild her credit.

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Did the direct link to the application work?  It doesn't have the pretty stuff I posted screenshots of but it does have all of the terms listed there.

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I'm using Firefox, and both of the links work perfectly for me... it must be a local issue for some folks??

I'm in complete agreement about this being an excellent alternative to the high-fee lenders out there... for folks who want a honest second-chance - and for no outrageous fees! - this definitely fits the ticket. 

[Anonymous]

Indeed this is awesome of Capital One My mother is acting like she won a million bucks . 

[Anonymous]

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@UncleB wrote:

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I'm using Firefox, and both of the links work perfectly for me... it must be a local issue for some folks??

I'm in complete agreement about this being an excellent alternative to the high-fee lenders out there... for folks who want a honest second-chance - and for no outrageous fees! - this definitely fits the ticket. 

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Yeah I dunno why it works for some people and doesn't for others.  It works fine on Safari on my computer but it doesn't pull up on Safari on my phone even if I use handoffs between the two Apple products.  Who knows.  

I thought the program looked pretty good.  Cap One Credit Steps is already pretty good for those that get into one of their other products and this looks like it works roughly the same way except with a much smaller starting limit.  I like the idea of this a lot and I know it'd help a lot of people out there.

[Anonymous]

Im going to look into this for my mom. She's on a limited income so secured cards are hard for her to get.

[NRB525]

Thanks for posting OP. I got the second link in the first post to work, just right click and open in new tab.

It's a good program, the applicant gets to show they can make 5 payments, and if they can't no embarassing lates on the credit report, just nothing. They must have some data that shows them after the 5th payment, they've got some level of responsibility.

And I'm not eligible. Existing CapOne cardholders cannot get this card.

[Anonymous]

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@NRB525 wrote:

Thanks for posting OP. I got the second link in the first post to work, just right click and open in new tab.

It's a good program, the applicant gets to show they can make 5 payments, and if they can't no embarassing lates on the credit report, just nothing. They must have some data that shows them after the 5th payment, they've got some level of responsibility.

And I'm not eligible. Existing CapOne cardholders cannot get this card.

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Yeah, I'm not eligible either with my two Capital One cards, just happened to see something about it while I was clicking around Cap One's page and it immediately clicked to me that I MUST TELL MYFICO. Hahaha.

I just hope it'll help some others who feel like they're lost in trying to build or rebuild. I like more options that aren't bloodsucking leeches.