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Re: My “Road to Credit” With the Capital One Secured Card

Home › Forums › Credit Talk › Secured Credit Cards › Capital One › My "Road to Credit" With the Capital One Secured Card › Re: My “Road to Credit” With the Capital One Secured Card

January 24, 2012 at 1:09 am #2340
TEKHD
Participant

Here is my Timeline:

01/12/12: Applied Online and was instantly approved with the $49 Deposit. (Sent $750 Online than same moment) (On 01/13/2012 money disappeared from my bank account)

01/17/2012: Got letter on mail from: CapitalOne 30280 Salt Lake City, UT 84130-0280 with message “You”ve been approved for the CapitalOne Secured MasterCard with a minimum security deposit of $49.00… 2 to 3 Weeks and card will get here also says…

When I get the card I will spend 30% by paying my cell provider and anything else in order to get to about 30% as recommended… My question is…, in order to improve score… should I wait for the invoice and pay with interests in order for it to show well on credit reports… or can I just pay it in full the next day? In other words, for example… If I pay AT&T with my credit card today… Can I pay it in full tomorrow to the credit card? (Pay credit card the next day in full) or do I have to wait for the invoice and 20%+ fees and then pay in order for it to improve score? thank you in advance!

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