Inform them that you have paid off some debt that you accumulated in the Past and that your a new changed person. So.my question is how did you obtain this site, just very curious to obtaining a site etc. I don’t think you’ll have any problems paying early after your first statement.

Just Providing an Update regarding my Cap One Secured Card. Hey NewDirt, Not sure if you are able to send me the password. I hope nothing goes wrong, it’s making me feel really anxious ughhh. Looking forward to my score once some of these other accounts are paid off. At the moment its easier for me to.write on this blog and when I enter that site I just scroll down to the last written post so its become natural for me. So i want to note that I’m actually wondering if i would have gotten approved for an unsecure card since I went on Cap Ones site to the pre screening tab and filled it out.

Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. Congrats to all and welcome to the Family. Bank of America’s secured card is usually reviewed and turned into an unsecured card in capital one secured card a year or sometimes even sooner according to my research, if the account is in good standing. That’s a tough question, I’m not that knowledgeable about the legal side of all this, though I remember having read a little bit about it not long ago. You may also earn credit line increases based on your payment and credit history. Hi Drew, I see no one has responded to your question yet.

I hope newdirt is able to set up some kind of forum or chat page soon so we can all keep track and share our progress with each other better. Now it stated that they are not firm on it but based off the info capital one secured card entered I might be suited best with the No Hassle rewards card. Soooo Excited to begin rebuilding my credit. The reason I think I’m doin it all wrong is because I figured if I maxxed the little 500 limit out every month (sometimes 3 times a month) then it would help my credit. I paid in full every month andd my credit score was increased.

Also so as I stated before I had some mishaps with some credit cards that are falling off my report soon but i did get taken to court for one and received a judgement, however since then the attorney went out of business so the judgments is no longer active by law here in Mass. Washington federal banking regulators capital one credit cards have ordered capital one bank to. I’ve only charged like $ 122.79 and can pay it but I’m still trying to comprehend this utilization thing and want to get the best advantage as far as what’s reported if I could. Cash is King, but at some point you do need credit…I will update if I have anything to post.

This is the magic, that if one rep cant call back cuz another will. I really want to keep increasing my cap one card at least to $1k- I really love that feature on that card. So I spoke to another rep that tried to help me but could not so I said I will call back. Aren’t the scores shown on experian our actual FICO score. I believe u said that you saw my info when i tried to register.

The following timeline will give you an idea of the progress (or lack thereof) I’ve had with the Capital One Secured Credit Card. High utilization will definitely bring down your score. Will see if it shows up tomorrow, which is 2 days after I sent it.

I only paid the minimum required as I was a bit nervous about this. I have just applied and got approved instantly for this secured card with a $49 deposit. Found out that since the card is new they hold the funds for a week before letting you have your full amount back. I just got an increased credit limit from 500 to 750 automatically. Also don’t depend on your credit card, use it wisely.

Not too shabby… especially considering that thanks to everybody who has written before me I had a good idea of what to expect. I also applied for a Orchard Bank master Card yesterday. So i wanted to mention that I have tried with several attempts to register for the forums and a message comes up that I failed to enter all data needed. My bank gave me an unsecured card as they were paying my bill every month for me from my account. I hope it doesn’t take long for mine. Has the CreditInform Program been useful for any of you.

So I immediately headed to the internet for more infformation on this card. Banks will tell you it does not work, but it does. Share savings secured certificate secured secured bad credit loans loans these loans allow credit. I can’t say the same thing about Capital One. So everything went through, just waiting for my card to arrive now. Like should 30% of my limit be the mark I should stay under.

I’m just happy to have one in my possession. According to the rep the reason I had not been approved for a credit line increase was because in Oct 2011 I was TWO days late. Take control and build your credit with a capital one secured mastercard credit.

I do have some school loans and most of the creditors I owe will soon in the next year or two minus the Amx that will fall of TU in 2015 (crazy) will be off my credit. They will probably keep my money forever, will not raise my limit or waive the annual fee. So I have recved a payoff from BOA from a closed acct. Thanks for all the great information, I applied for a secured card and received mine yesterday. I also refuse to put more than $500 on my Capital One card knowing that I will not get my money back unless I close my account.

I wanted a fresh start and was worried that I would be denied by BOA because of my past history with them, plus I’m waiting for my credit to get better so I can try to reopen this card. You can check out some tips on how to improve your credit by FICO here. I applied to all kinds of cards all at once so that I would limit inquiries. I made my deposit in January and my card will be here this week. Ok, I’ve finally added a forum section for all you guys to post your timelines, suggestions, tips, feedback, etc.

There’s no need to use your real name, location or any personal information, in fact I encourage not to. That same day I signed up for the online banking and for Credit Inform if thats whats its called. The higher your credit utilization, or the close your credit card balances are to your credit limit, the more your credit score is hurt.

I totally forgot I even applied for the CapOne secured card, then yesterday I received a letter saying I was approved. I just don’t want the Credit Inform service since it provides FAKO scores and might be a hassle to cancel. Good luck, I’ll check on your progress from time to time. I also just purchased a 2011 accord this may 2011 that capital one financed as well yay. Unfortunately I used to pay late all the time so the bank closed my account.

Now I have heard of this issue occurring before on this blog so I was not really worried but when I called I spoke to three different reps capital one secured card who either kept transferring me because they did not know how to deal with the concern or hung up on me for whatever reasons arised. Please feel free to join, you can access this secion here. I was approved immediately but I remember reading somewhere that not everybody gets approved or is eligible for this card, I think your credit needs to be within a certain range. New and used mobile homes for sale and rent.

After a month after month long postal strike I finally get the letter stating approved for 500 limit with a 75$ security deposit. Cap One says that you shouldn’t apply to two cards within a 45 day period so I’m not gonna try be cause they take the first application only as a CR stated. I know already that I’m approved for a credit line of $300 with $99 deposit at 22.94% APR… Well,my concern is the APR being so high, Is that good or bad. I can’t wait to not think about this credit stuff anymore.

I think im gonna make a payment before i even get my bill so that way when the report it to the credit bureau i dont have much of a balance on the card. It’s a simple board but I think it’s all we need for now. But before i applied for this card just now. I know you can’t pay your first bill before the statement is cut. They told me every 6 months based on payment history and if account was in good standing.

In a bid to boost sales, toyota motor has toyota rate decided to cut the prices of prius. Microsoft office excel download full microsoft excel 2010 version free microsoft excel. Are you looking for easy to follow excel examples. You have a 25 day grace period to pay the balance. I only put down $300 in my security deposit for $451 of credit.

The capital one secured mastercard has a high annual fee and a high apr. When i applied for the secured card and was approved for the 49/200 deal. Citi will put your deposit in a CD for at least 18 months and Bank of America offers to graduate your card and refund your deposit after 12 months if you’ve handled your credit wisely. Called a week after and said should be here or waiting for prosessing. I’ve had the card for 5 months and need to wait 4 months more to hopefully get my deposit back and have the card unsecure.

Answers to commonly asked questions about the capital one secured. The deposit I made to increase my balance….the funds were taken out of my checking account the next day, but I haven’t seen any changes in my credit limit. It’s not that I’m not happy cuz i Sure Am but it just makes me wonder if I should have gone for the unsecured offer. Frontpage news banks not pressuring no check estate developer loans developers to service.

The guy said I had just had an increase in Nov.