wanderingnobody

5 Contributions 39 People Helped

Member Since: December 2015

Most Helpful Contribution

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 01, 2016
Appreciate the cash back
Helpful to 19 out of 20 people

This was the first card I applied for (other than a Kohl's charge) after I decided to start rebuilding my credit.  My score was around 590 with multiple derogatory items on my credit report (although most were a few years old).  I was approved for $300.  5 months later I knew I was supposed to be getting an increase due to on time payments, but it hadn't happened yet so I requested an increase on the website. It was approved and increased the limit to $800. Imagine my surprise a few days later when I logged in and saw that they gave me the automatic increase also, making the limit $1300! This card does have an annual fee, but I have more than earned it back with the cash back.  I used the card to pay for my husband's tuition and paid it off immediately. I also use it for all my Amazon purchases and pay it off 2-3 times a month. I really am happy with Capital One, and I will remember their kindness when I graduate and have a good job. I'll remember that they gave me a chance and will likely use them for mortgage and auto loans as well.

Activity (5 Total Contributions)

Capital One® Quicksilver® Cash Rewards Credit Card

Mar 01, 2017
Like everything but the interest rate.
Helpful to 13 out of 13 people

I don't think I would have been approved for this card if I directly applied (credit score around 670). However I asked Capitol One if they could upgrade my Platinum card to something else, and they offered to convert my card to Quicksilver. I started with Platinum with a $500 limit and now have $2000. I also have their Quicksilver One card, and other than the interest being high I have had no problems. Their app is super easy to use.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 01, 2016
Appreciate the cash back
Helpful to 19 out of 20 people

This was the first card I applied for (other than a Kohl's charge) after I decided to start rebuilding my credit.  My score was around 590 with multiple derogatory items on my credit report (although most were a few years old).  I was approved for $300.  5 months later I knew I was supposed to be getting an increase due to on time payments, but it hadn't happened yet so I requested an increase on the website. It was approved and increased the limit to $800. Imagine my surprise a few days later when I logged in and saw that they gave me the automatic increase also, making the limit $1300! This card does have an annual fee, but I have more than earned it back with the cash back.  I used the card to pay for my husband's tuition and paid it off immediately. I also use it for all my Amazon purchases and pay it off 2-3 times a month. I really am happy with Capital One, and I will remember their kindness when I graduate and have a good job. I'll remember that they gave me a chance and will likely use them for mortgage and auto loans as well.

Target® Credit Card

Dec 21, 2017
Really my favorite card
Helpful to 6 out of 6 people

I shop at Target constantly so after rebuilding my credit to about 600 I applied for their Red Card. Was approved for a small amount, I think about $350.  However, over the course of the last year they have given frequent increases and it now sits at a $2000 limit. My credit has flucuated from 600-660 but it seems like the credit increases always come when I get close to my limit. I try to pay it off but I did carry a $1500 balance for 2 months and that is when they bumped it to $2000.  I've never had a single problem and really enjoy the 5% off.

Capital One® Platinum Credit Card

Jul 01, 2016
Perfect for rebuilding
Helpful to 1 out of 1 people

I love this card! I was first approved for the Quicksilver One then applied for the Platinum. Was approved for $500 with a score around 590 with 5 derogatory items on report.   After 2.5 months I requested an increase and they bumped it up to $1500! My score has increased to 640 since I received this card.  I use it frequently (though not as much as the Quicksilver) and pay on it weekly, rarely carrying a balance more than $100 at the end of the month. I'm so glad Capital One gave me a chance to rebuild.

Merrick Bank

Mar 01, 2017
Good enough

I've had this card for 6 months with no problems. Hopefully they give the promised increase in the seventh month.