Capital One Secured

[MortgageMinded]

How quick did they report your card to the CRAs?

[Lechte]

a little over a month. I opened it the last of November and it reported the 11th of January.

[Anonymous]

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@NewYxox wrote:

Thank you! Yeah I am thinking about just putting a $500 deposit down and then maybe adding $100 to it every month or so until i reach a limit of $1000. Do you have any experience with how long it takes Capital One to increase your CL after you make a deposit? And also when I leave the small balance for my statement when I do receive it is it best to just pay it off in full or the minimum payment they state on there?

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Once Capital One receives your deposit, within 5-7 business days your deposit will reflect on your account. Please note that the timeframe is not based on when you submit it, it is based on when they receive the payment (i.e. after it clears your checking account).

As for the usage, I would agree with the previous poster that between 5-10% balance carry over from month to month is the best FICO option

[NewYxox]

Well that is what I plan to do & hopefully I see an increase in my scores soon. I will update on this card in 6 months or so.. thanks everybody for your advice!