Let me put it this way! i had medical and other bills on collection and just after $300 limit on Capital One Secure card my credit score went from 515 to 690!!! all i can say is make sure you utilize it with under 9% and you will see major improvements and pay your bill before due date and before your statement gets generated. Im very happy with is card and you never have to cancell or close it since it has $0 charge a year!
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A decent card to build credit with, but any card with an annual fee can't be considered an elite option.
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