Great 1st Credit Card!
Applied for this card in April was approved and being paying my bill on time or before the due date for the last 3 months. My credit score shot up to 769 before I decide to apply for a another credit card with Capital One. It took me about a month or so to decide on this card since I had so many cards to choose from. I read all the terms and conditions on all the cards. I read the positive and negative reviews as well before I decide. I was approved with a matter of seconds with an credit line of $5000. I was shocked since I wasn't expecting it to be so high. I can get approved for an credit increase up to $10000 after a few months. So I'm gonna do what I did with my 1st card wait 3 to 4 months before applying for a 3rd card. I'm trying to get my credit score up to the 800's before applying for mortgage lenders. I recommend this card to anyone who is looking to increase their credit score in a matter of months. My score shot up to 86 points with Equifax after I first used it to pay my phone bill. I don't use no more than 30% of my card balance since that is the general rule of thumb. I use it once a month to pay a bill then put it away for the rest of the month. And they are excellent at reporting payments to the Credit Bureau each month after the billing date it gets reported. I hope my experience will help the next person on deciding on getting this card. Good Luck!