@Anonymous wrote:
I would rather have this card other than the current secure card I have now with them. Can I apply for this card and close the secured? It seems unfair to me because they will not approve me for a regular unsecured card and I PIF every month sometime twice a month and I've been denied each time now. What's the point of having the secured card at this point?
+1
I like the builder card offer better as well
1) There is no deposit needed
2) At $100 there is less confusion what these 'training-wheel cards' are to begin with....which is just an audition for a real CL
3) If a person proves that they can't even pay a small payment 5 months in a row, they can bow out w/o making their already weak credit worse,
while at the same tie it gives a 'nobody' a real shot at the ring.
*If the PC aspec t is true.. even better...
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@Now for @Anonymous
it may be in your best interset NOT to have such heavy use of that secured card (you don't mention your CL but most CL's aren' huge) with you paying twice
a month and PIF it may indicate your debt % maybe what's holding down your profile.
Have you apped with anyone other than Cap1.....do you have other accounts that are maxed?
If you CONTINUE not to be able get even a Platinumum or QS1 from Cap1....there is an issue with your profile, that needs addressing...
