mnleake0528

I've had this card for two years and have had no issues listed above, like any credit card pay on time. As far as apr's mine has been lowered the higher my FICO gets. No complaints here the only card I use now. Along with great rates and service I routinely gets limit hikes which all that does is give me a better FICO score.I guess it a great card if your responsible enough.

Check out Clarkhoward.com look for credit freeze enough said. Annualcreditreport.com along with that and your GOLDEN!

Warning about Cap1 they are slow to increase CL. I've had a CC with them for 2.5 years and just this month have they given me a CLI. In fact I got two out of them,one just today. The first was a CLI of $250 and today another $300. I figured if I've been in good standing that long and have a score of 704 they can come off a little bit of credit.

The only thing was I basically had to beg for them to give me the CLI today not much appreciation for the guys who foot the bill's around there.

Respman22 have you looked into Orchard bank they may be able to get you a credit card if not you may use one of there secured cards and no
I have no affiliation with them. My banker told me about them when I was trying to establish my credit two years ago as a No mark I now a 700.

If your smart you may use AnnualCreditReport.com and check one credit bureau every four months for free from the gov't with no fee or hit to your credit. By law you are allowed one free pull of your credit report with no penalty, it won't give you a score but you'll know if things are good or bad!