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Capital One student Journey CC

720ismygoal
Regular Contributor

Capital One student Journey CC

I just wanted to know if anyone has this card? I have had it for about 5 months and after the 7th statement I'll get a cli through the steps program. I need to know if anyone has this card and if so, how many cli's have you gotten after the credti steps program? I wanted to get a feel to see how high this card can and will get?

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 1 of 5
4 REPLIES 4
Chaos122
Regular Contributor

Re: Capital One student Journey CC

Ive had this card for a year and i got a 250 cli after the 5th statement.. Then nothing... Ive had my other cap1 card for 2 years, and also only had 1 credit step.. bullocks.. but i dont care, i hardly use the card anyways


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Message 2 of 5
raenys
Frequent Contributor

Re: Capital One student Journey CC

My daughter has had the card for 7 months. Started with $500 CL. Got $250 CLI at 5 months also. 

CITI Forward Student started her higher at $800CL. 

Message 3 of 5
720ismygoal
Regular Contributor

Re: Capital One student Journey CC

Thanks guys! it sounds like this card is no good. I will keep it until my scores get high enough for a prime card.

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 4 of 5
raenys
Frequent Contributor

Re: Capital One student Journey CC

From what I hear, Cap1 is not great on CL. However, CITI is. Cap1 is a great starter card though to get a card and build from there.

My daughter, after having Cap1 for 6 months now has a Citi Forward student card, and an AMEX Zync. The Zync is a charge card so there is no credit limit. You have to pay in full every month. This is a great card if you want to try to build a relationship with AMEX.

 

It is difficult to get a prime card as a college student. I will say though that the interest rate on her CITI card is low, around 13%. Not too shabby.

Message 5 of 5
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