Just closed hubby's Cap1 secured card

[rmduhon]

Chatted first and got the standard 'It can't be unsecured now but it may be possible in the future'. Now to cancel his Fingerhut account. Weighing some more cards for closure also.

[rubicon]

oooh you might have jumped the gun a little too early..cap 1 HAS been unsecuring after 11th statement but it depends on when you opened the account

I have been anxiously awaiting my 11th statement to cut tomorrow to see if mine unsecures

[rmduhon]

His was opened October of 15. We got ours too early. Story of our life. Lol

[Anonymous]

capital one is really on my bad side... when i apped for their secured credit card there was a anual fee. long story short 4 years later of perfect history with them, they only upped my cli once however they refuse to take the "secured" title of my card so 1. i cant request cli's on my own 2. they cant do a product change 3. they refuse to at least waive the anual fee since their new secured cards no longer have anual fees. once i get the 2 cards i want i will definitely be closing them out and taking the hit on the AAOA 

[rmduhon]

You won't take a AAoA hit because the account will stay on your reports for about another 10 years.

[mrldp40]

off topic i applied for cap 1 secured denied , they pulled all 3 reports but cited the trans union they pulled fico 04 how about that.

[Anonymous]

@rubicon Please let us know if your card automatically graduates today to an unsecured card! I'd love to see more proof (approval emails, chat transcripts, etc.) of this actually taking place. The last time I spoke to a supervisor at Capital One, her response to my question about graduating was "Don't believe what you read on any unofficial forums online." 

[rubicon]

I've had my 11th statement cut yesterday and nothing. I contacted Cap one and they said my account isn't coded for this program but that could change sigh

[Anonymous]

@secured be careful poking the bear with the ole 'I heard from​ xyz as "we" were conspiring' 😊

1) Did you 'think' THAT would mean or DO anything but throw dirt in the eye of whom you're speaking to?

Have you ever TRIED that with your parents or bf/gf
= That's dangerous ish, are you kidding?
Plates flying, divorce papers, to bed with no dinner
Don't DO that again for your own good...At least say ' my friend' said but saying the folks over at the xyz forum said___ c'mon now 😎

Seriously, companies have been known to spy here and change policy for spite
Don't run to the 'the man' spilling info about the secret treehouse meeting...Wrong😞

Anyway Cap-1 is ALL over the place with these secured cards they have NO automation with regard to these end...The Steps and other things have detectable patterns, this graduation thing has not proven to be 🍪 cutter at all

But it appears the cards issued about last April/May are coded differently as we see many ppl with 'younger' cards getting 5, 7,9 month love whereas slightly older and much older accounts are shown No Love😣

[Anonymous]

---

@Anonymous wrote:

capital one is really on my bad side... when i apped for their secured credit card there was a anual fee. long story short 4 years later of perfect history with them, they only upped my cli once however they refuse to take the "secured" title of my card so 1. i cant request cli's on my own 2. they cant do a product change 3. they refuse to at least waive the anual fee since their new secured cards no longer have anual fees. once i get the 2 cards i want i will definitely be closing them out and taking the hit on the AAOA 

---

You wont take any hit on AAOA's for closing a card. You will take a hit on AAOA's when you open accounts.