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Approved!!!

tag
Anonymous
Not applicable

Approved!!!

Was approved for the capital one secured 200 dollars with just a 49 dollar deposit. So excited. Things r looking up!!!!
Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Approved!!!

Congrats! I'm thinking about applying for a secured with them proabably in Jan or Feb. I believe I have to wait because I applied for an unsecured and was denied like 45 days or so but I'm going to wait longer. I hope I can get good results like you. 

Message 2 of 11
Epcot
Valued Contributor

Re: Approved!!!

That's great, Congrats! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 3 of 11
madmann26
Valued Contributor

Re: Approved!!!

Congrats!!

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 4 of 11
trix_r_4_kids
Regular Contributor

Re: Approved!!!

Congratulations!  A lot of forum folks are not fans of Cap One, but I for one have been pleased so far.  They were my first card in my rebuild and so far I have not had any issues with them.  I don't know if they still offer it, but there is a program called Credit Inform that I recommend.  The scores are FAKO but there is other data that is helpful.

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Message 5 of 11
sphinx313
Established Contributor

Re: Approved!!!

Congrats on the approval! Capital One has treated me right and gave me a $100 bump in unsecured credit after 6 months of paying on time. According to others on this forum, that is standard and you never really see more than that unless you get bumped to an unsecured card. An approval is a victory nonetheless!



Starting Score: EQ: 383 2/2011
Current Score: TU: 679 EQ: 684 EX: 678 4/2024
Goal Score: 700


Take the FICO Fitness Challenge
Message 6 of 11
Anonymous
Not applicable

Re: Approved!!!

Well I figure since I have messed up so much in the past that it is a victory for me and as long as I pay my bill on time every month surely it can't be too bad. No one else would give me a card so I didn't have much of a choice. I only had to pay the minimum deposit for the maximum limit, that's another plus for me. Now does anyone know how long after I pay the deposit it will take take to receive my card
Message 7 of 11
beb86
Valued Contributor

Re: Approved!!!


@trix_r_4_kids wrote:

Congratulations!  A lot of forum folks are not fans of Cap One, but I for one have been pleased so far.  They were my first card in my rebuild and so far I have not had any issues with them.  I don't know if they still offer it, but there is a program called Credit Inform that I recommend.  The scores are FAKO but there is other data that is helpful.


The reason why some posters here are not fans of cap1 is because of there policy with pc's, CLIs, etc.....Cap1 is a great card for rebuilding and once you have outgrown it, its time to move on. 

Message 8 of 11
Shogun
Moderator Emeritus

Re: Approved!!!

It's a good start!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 11
Anonymous
Not applicable

Re: Approved!!!

They take about 14 days to clear the deposit so I would assume you'll get the card soon. I took got the $100 bump at 6 months. It would be nice if they matched it dollar for dollar after a certain amount of time. The card is okay. Interest rate blows considering its YOUR money..
Message 10 of 11
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