Hi there all. Had to change handle,having trouble logging in on old one, prolly used wrong pw. Anyway had cap one secured card since august and am quite happy with it. I got an offer for an unsecured card from bank one for $300. Took that. One month later they raised it to $400. Wow. Done for a while with new cards. No more inquiries for a bit. Hoping score goes up. 550 credit karma, 612 equifax . Seems like a big difference to me.