Impressive!
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!
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Excellent
I wanted to start over with a credit card I filled out the application and got approved I couldn't believe it I didn't need a deposit I thank Capital One
Great for building credit!
Helps build credit back up if you've had a rough patchy credit history. I applied for this car with scores barely over 500. I haven't really had credit in my life minus a couple credit cards once I turned 18. I got rid of them after a couple of years. Now I'm 33 and have found out that nowadays you need good credit for almost anything so I applied for this card. I was approved instantly with a $99 deposit. I paid my deposit and received my card in about a week. 3 months later my credit scores have went from 526 & 528 to 705 & 706. This is a great card as long as you use it responsibly and make your payments on time. I always use less than 30% of my limit and pay off my balance in full.
Schizophrenic customer service
1. English is a second or third language.
2. If you do chose this card speak only to managers.
3. Make sure the offshore customer service agents enter your information correctly.
4. SLOW to report. 3 months no report.
5. Based on my experience I would not recommend not just this card but the entire company to anyone I didn't dislike.
AWFUL!
Don't do it.
Take your business else where.
Spent 2-3 days it of every week on the phone with them.
I got my card in January had to call cause they hadn’t reported it to the credit bureaus... I finall call last week and they claim they did but they didn’t but the same day I called I got a notification that it was a change to my credit report.
Easy to be approved
I didn't think I would be approved but I was. It was so easy to apply and I was approved quickly. Now I have a god start in improving my credit score. I just received it and it was fast and easy to activate my card and I will be using it asap. Thanks Credit Karma
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WHAT IS A CLI
Terrible service
I got the card with fees to collect points. AS soon as the expenses is more than $1 000, that card is blocked. Each time, I have to call the Security and some time this is more than 1 hour lost on the phone with people transfering my call and asking same questions all the time, name, address, birthday..... a Nightmare!
They explain that you can’t go over a $1000 limit. That’s your fault for not reading thoroughly!
BEST EVER
I was approved for the card and added my husband as an authorized user. This is the fifth month of us having this card. My husbands credit scores have gone up 109 points and mine went up 69 points. The key is not using more than 30% of the available balance and paying it on time. We usually pay it off each billing cycle. It’s great! We are finally home buying credit worthy!
congratulations!! How long did it take until it showed up on your credit reports?
I got my card in December and it showed up on my credit report at the end of January
Omg this is totally awesome I just got approved today. How did you go about adding your husband because I want to do the same?
Thank you Charlie!!
love it
I applied for this card late 2017 after having a rough year. I had a terrible credit score with not one card to my name. I tried to get a citi secured card but they denied me, discover denied me for their secured card as well. Capital one approved me. I put the maximum deposit which was $800 to get a $1000 credit limit. I got a CLI one time and never again. I also never missed a payment. This card helped me when most others wouldn’t give me a chance. Only negative is after 16 months they never gave me another CLI or graduated my card to an unsecured.
What exactly does CLI mean?
One and only Credit card!
Only one that helped me better my credit! Will always forever have a capital one credit card. ONLY God knows how hard I been trying to better my credit and capital one gave me that opportunity!
Highly recommend it!
Not sure yet
I haven't spent it yet, I'll update when it reports on my credit score.
My first credit carf.
I had no credit History. This Is my very first credit card at age 50. " I"guess it's never to late." Had no problem being approved and started with CL of $200 and my first credit score ever was 670 .Pay everything on time for 6 months credit limit jumped to $500, and credit score 701. It will be one year on May 2019 hoping to see what happen with my credit score and limit! I know it will go up but love to know how much.
Easy card, no brainer, purchase stuff, and then pay off every month.
Next will be a new card, and a auto loan.
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