YasmineMerced17

6 Contributions 177 People Helped

Member Since: June 2014

Most Helpful Contribution

Capital One® Secured Mastercard®

Dec 28, 2019
Great for rebuilding credit
Helpful to 90 out of 94 people

Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!

Activity (6 Total Contributions)

Capital One® Secured Mastercard®

Dec 28, 2019
Great for rebuilding credit
Helpful to 90 out of 94 people

Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!

Citi® Secured Mastercard®

Jan 25, 2019
Drop your biggest deposit down.....
Helpful to 28 out of 31 people

No credit increases...

i called and asked for an increase and got denied because something was on my credit report from another company that was already paid off!

I guess two years of on time payments with a zero balance card does not prove your credibility with them! That’s just ridiculous!

i have other cards that I get increases on all the time because I have proven good on time payments with them... 

makes since... 

so, yeah.. what your original deposit is is your credit with them... 

mecen after two years of ontime payments and no balance on the card! 

Just sick to treat Layla customers that way! 

Indigo® Platinum Mastercard®

May 23, 2017
This card should be for emergencies only
Helpful to 37 out of 43 people

Your minium payment depends on how much yo have on the card and it changes frequently before the due date! It also has a yearly fee so even if you don't use it your stuck making a payment for the high fee. 

Capital One® Quicksilver® Cash Rewards Credit Card

Dec 28, 2019
Great for rebuilding credit
Helpful to 21 out of 26 people

Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!

Capital One® Quicksilver® Cash Rewards Credit Card

Dec 28, 2019
Great for rebuilding credit
Helpful to 1 out of 7 people

Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!

Capital One® Quicksilver® Cash Rewards Credit Card

Dec 28, 2019
Great for rebuilding credit!
Helpful to 0 out of 6 people

Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!