Secured on unsecured

[Anonymous]

I have a unsecurd CC with Capital One with a limit of $300. Since I already have a CC with Capital One can I open another one with them? Wil it affect my CS, I have 6 inquiries. One is coming off in may of this year.

[pizzadude]

You can apply for multiple cards with Cap1.   They actually seem to like it that way......

Any new application with them will be a hard pull x3 though.

[Anonymous]

what do you mean hard pull x3.

[pizzadude]

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@Anonymous wrote:

what do you mean hard pull x3.

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Cap1 will pull all three CRAs with an application, so you would be getting a hard pull on EX, EQ and TU.

[Anonymous]

Yeah, I just asked a CSR yesterday about this (for future plans). I asked if my secured graduated to an unsecured and he said "no, but you are welcome to apply for a 2nd, unsecured card in the future."

[Anonymous]

With my current CS what kind of card should I be looking for.

[pizzadude]

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@Anonymous wrote:

With my current CS what kind of card should I be looking for.

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How long has your Cap1 card been opened, and what is your overall length of credit history ?

[Anonymous]

I've had a Capital One CC since January of this year. As far as credit history I have an auto loan that I
In June of this year will be 2 years. Also have a secured loan with bank, going on 9 months with that. Never been late on any of these payments.

L

[LS2982]

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@Anonymous wrote:
I've had a Capital One CC since January of this year. As far as credit history I have an auto loan that I
In June of this year will be 2 years. Also have a secured loan with bank, going on 9 months with that. Never been late on any of these payments.

L

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Your better off gardening your new account for at least 6 months to a year before apping for another card.

[Anonymous]

ok will do