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Reply To: My next credit line increase?

Home › Forums › Credit Talk › Secured Credit Cards › My next credit line increase? › Reply To: My next credit line increase?

February 12, 2014 at 11:31 am #3637
fontanaman
Participant

That’s what I thought as well, but believe me, they are not interested in rewarding customers at this credit level. I really tried hard to get my card unsecured after having it for two years. I talked to different people, sent letters over the mail and through planetfeedback. I was always told it was not possible, they do not unsecure. I was never late, never went over my limit and my credit score went up to the 700’s.

Looking back, I’m now kind of glad I went elsewhere. I now have a rewards card with Chase and their customer service is top notch. They gave me a good credit limit, then increased it (not to mention they gave me $150 credit for my new account). Calling them is super easy and their online features are awesome. The other day I lost my wallet and had to call and cancel my card. I did it all through an automated service over the phone. Took me a couple of minutes and my account online was immediately updated. I had the new card in 5 days. They also refinanced my car loan, gave me a better rate, etc.

Capital One’s secured card is definitely useful, it helped my credit a lot when nobody was willing to give me credit. But as I said, once your credit improves, you can apply for a better card somewhere else (or even for a better card with them).

Do you have any other cards? I found that having a second card was of great help as well (I also had a BOA secured card back then).

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