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 18, 2013 at 2:33 pm #3372 fontanamanParticipant I remember feeling like my first due date took forever to post, so it might be a few days until that happens. You’ll see your annual fee soon I believe.