I don't know why I put off fixing my credit for so long. Oh wait, yes I do. It's called FEAR! My first credit card was a discover card that I signed up for the first semester on campus when I was 19. BIG MISTAKE. I didn't know what to do with my $1,000 limit and how to handle that so I charged away and never paid. Terrible way to start my relationship with credit cards. Fast forward to twenty years later when I realized enough was enough. I made some really bad decisions and my score was 513 as of last November. I applied for this card and got approved! After 5 months of paying on time, I was given a $300 credit increase. Around this time I was told on Credit Karma that I had very good odds of being approved for a quicksilverone card and I applied and was approved with a $1,000 credit limit! I couldn't believe this. I also have a Citi Double Cash card with a credit limit of $2,700. My point is that not even a year ago my credit score was 513 and it is now between 650 and 670. Thank you Capital One for helping me overcome my fear. Just tackle it and ask for help. You'll be ok.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 24.99%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 24.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Happy Capital One gave me a chance to rebuild my credit by accepting me as a customer. Yes, its a secured card but my credit score went from 403 to 563 using this over the last year. Make your payments on time, avoid the APR. Customer service is so helpful and knowledgeable. I love that i can pay my bill on the app and my funds are readily available. I would give more stars, but I have yet to get a credit increase or my refundable deposit back...
Compare Holders of this Card
Note: Sample data consists of Credit Karma members who hold this card.
The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.