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gail77al78

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I opened a secured card with Capital One 5 months ago.
My credit is showing as fair even though I I pay immediately every month.

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It takes time. If this is your first account and only account on your credit reports, you will need to do a little more. Read as much as you can on the subject, keep making on-time payments and in six months or so, start keeping an eye on your FICO scores. You probably don't have them yet.

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check back after a year or 2 years. 

Credit History and credit Scores take time.  a LONG time. 

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