Thought I would pop in here to update on how my credit journey has been going. Since having my card for almost 7 months I have to say, getting this card has been the best decision I have ever made in my life. For the first few months I was doing it all wrong. I would pay my balance off in full every month without carrying a balance, well after searching on the right way of doing it, I started only carrying up to $50 of my $200 credit limit as a balance, then I started using all of my credit limit. Still making on time minimum monthly payments. Last month me and my mom went to buy a car. I had $3,000 cash, I wanted to get a $4,000 used car so I will only have $1,000 and fees until it is paid off. Well the place was closed where I saw a car I wanted, so we went across the street to another car lot. They only had one car that was around my price, but my mom insisted on getting a newer car. The car I picked out was $15,000. EEEkkkkkk I will be paying for this car forever. Well they ran my moms credit and she was denied for the loan. They ran mine and I was approved for a $15,000 car loan. And it is all thanks to this card. Before this card I had no credit. This is the only credit card type I have besides having a bank account. Well 3 weeks after getting the car loan, I got a $100 unsecured credit increase from Capital One. I was in total shock. 2 weeks after that, I applied to Credit One Bank for a credit card and was approved for $300 unsecured credit card. I applied to this card before and was denied, even after credit karma kept telling me I would be approved, well I finally was. And it is all thanks to Capital One’s Secured visa 🙂