I applied for this card on March 16th 2018, I was approved with a deposit of $49 which I paid right away. I received my card on March 27h. My first payment was due on May 14th, which I paid in full and about two weeks early. It took until May 18th for Capital One to make the first report to the credit bureau. My credit score was at 520 and increased to 604, that is an increase of 84 points! All I could say is wow! If you are debating on wether to get this card or not don't hesitate! It is so worth it and does exactly what it says it will do, build your credit! Thanks Capital One I could not be happier!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 26.99%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 26.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I just started caring about my credit at the age of 29. My score started out at 517and I was clueless on how to bring it up. I started asking around and started researching for myself. Literally everyone/everything always had "Capital One" somewhere in it. I decided to go for it but I knew my score was low and had NOT ONE previous credit card. I went with the secured card from Capital One and low and behold I was approved but did have to drop the $200 for my deposit. ALL WORTH IT! Not even a month in, my score jumped to 640! With all the research I done I knew to keep my utilization low and pay in full each month. I just hit my 6th month and Capital One gave me the $300 increase they promised and I applied for a store card which was approved for $200. My score is now 685 with a CL at $700. Probably still low compared to some but I'm extremely proud of myself and UP is the only way to go from here. Building credit definitely takes time so don't get discouraged. Be patient and DO IT RIGHT and I promise you it will come. Good looking Capital One!
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