cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1: does this sound good?

tag
Newstart122014
New Contributor

Cap1: does this sound good?

So after much trolling, here's what I've decided: 

 

Cap1 Classic Plat: (06/2007) $300 auto CLI $1300

PC'd to QS1 (12/2014) 

 

Cap1 Classic Plat -secured: (02/2011) $200 CLI from them, and I added $800. To make total $1k, no growth since then. 

 

When I called to PC unsecured card I was told that the secured card would never be changed. Here's my thought process, app for a diff Cap1, and then close secured, or just close secured and keep one Cap1 card? 

 

Other cards in in my wallet:

Macy's (AU)

Bloomingdale's

Walmart

V. Secret

HSN

Loft

Overstock

I know, I'm on a Comenity "time-out"....no more! 

 

Any suggestions? 


Starting Score: 570
Current Score: 665
Goal Score: 700


Take the myFICO Fitness Challenge
Message 1 of 3
2 REPLIES 2
gdale6
Moderator Emeritus

Re: Cap1: does this sound good?


@FedUp090909 wrote:

So after much trolling, here's what I've decided: 

 

Cap1 Classic Plat: (06/2007) $300 auto CLI $1300

PC'd to QS1 (12/2014) 

 

Cap1 Classic Plat -secured: (02/2011) $200 CLI from them, and I added $800. To make total $1k, no growth since then. 

 

When I called to PC unsecured card I was told that the secured card would never be changed. Here's my thought process, app for a diff Cap1, and then close secured, or just close secured and keep one Cap1 card? 

 

Other cards in in my wallet:

Macy's (AU)

Bloomingdale's

Walmart

V. Secret

HSN

Loft

Overstock

I know, I'm on a Comenity "time-out"....no more! 

 

Any suggestions? 


I would cancel the secured if you feel you no longer need it and I would not app for another Cap-1 but find another bank, Barclays would be a possible good choice. A Cap-1 secured card will never graduate to an unsecured.

Message 2 of 3
Newstart122014
New Contributor

Re: Cap1: does this sound good?

Thanks I will close the secured card, as far as Barclays goes, Im blacklisted with Smiley Sad


Starting Score: 570
Current Score: 665
Goal Score: 700


Take the myFICO Fitness Challenge
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.