Should I just go with a Public Savings card? or try the cap1 and roll the dice?
Apply for Cap1 first, if they deny, go for the PBS.
Got approved for the secured cap1 card.. good stuff now i have 2 cards.. now to wait patiently for score to rise..
Link they provided me keeps erroring out to deposit my money, anyone else have a problem with that?
I had a Cap1 chargeof in '02 or '03. Got a preapproval in the mail a few months ago. Applied online was instantly denied. Reason was the chargeoff. They didn't even do a hard pull. At the time of app I had zero negatives. 735 score. In my case they remember me.
I had a CO with capital one. I paid it back in January and I was approved for a secured card w/ a $49 deposit/$200 limit at the end of February. I don't know how they are going to process CLI however. The secured card advertises that you may get unsecured increases and the deposit refunded as long as you pay on time yadayadayada... I am hoping that the old CO that I paid doesn't make them keep a tight leash on the CLI's... I am waiting to receive the card in the mail. Should have it in a few days. They sent me an email saying they mailed it out
As long as the CO is settled/paid...go for it. I had a CO as well.
I had a charge off in 2008. They gave me a secured card with 49 down and a 200cl.