Reply To: My Road to Better Credit. Home › Forums › Credit Talk › Secured Credit Cards › Capital One › My Road to Better Credit. › Reply To: My Road to Better Credit. July 3, 2013 at 10:23 am #3365 ValerieAnneParticipant Woah, just checked my score on CS and it dropped 33 points after applying for the Cap One Secured Card! :< It is now 635.